03 February, 2025 | 11:01 IST
Valentine’s Day is the perfect occasion to celebrate love. It’s the time to appreciate your partner and what could be a better way to express your love than a unique gift. As the day is approaching, you may be looking forward to choosing the most suitable gift for the special person in your life.
With some thoughtful planning and the right financial tools, you can make grand gestures without straining your budget.
Before diving into gifting options, determine how much you can afford to spend without affecting your finances. Once you have a clear figure, allocate funds for gifts, dining, entertainment and other planned activities for Valentine’s Day. If your budget is tight but you want to make a grand gesture, you can opt for a quick personal loan to supplement your funds. But, borrow only what you need and ensure you can comfortably repay the amount.
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1) Tech gadgets and accessories: Tech gadgets and accessories make for practical and exciting gifts in today’s digital world. If your partner is a tech enthusiast or appreciates smart solutions, consider a stylish smartwatch from brands like Apple or Samsung. These devices offer features like fitness tracking, heart rate monitoring, and call handling, making them both functional and fashionable. For music lovers, high-quality headphones from brands like Bose or Sony can elevate their listening experience with crystal-clear sound.
2) Personalised gifts: Personalised and customised gifts hold sentimental value and show thoughtfulness and effort. You could gift an engraved wallet or bag from a luxury brand, adding a personal touch with your partner’s initials or a heartfelt message. Alternatively, consider commissioning custom artwork from a local artist. A painting or digital illustration that represents your relationship is a unique and meaningful gift.
3) Relaxation and wellness gifts: Book a spa day or a couple’s spa session at a luxury hotel to help your partner unwind and rejuvenate. You can also curate a premium grooming kit with skincare and self-care essentials, creating a personalised wellness package.
4) Experience-based gifts: Instead of material gifts, consider planning an adventurous experience or a fun activity you both can enjoy. Book something like paragliding, skydiving, or scuba diving to create unforgettable moments. If your partner enjoys cooking, sign them up for a culinary workshop or cooking class in your city.
5) Wardrobe additions: If your partner has a passion for fashion, wardrobe additions are always a great idea. Timeless pieces like designer watches, bespoke suits or elegant gowns can add sophistication to their wardrobe while also being practical. Fashion gifts are both stylish and functional, making them a perfect choice for Valentine’s Day. If you are not sure what your partner may like, you can also opt for a giftcard that they can use to shop at their preferred brand stores.
6) International trip: You can also explore short international trips to countries with visa on arrival to make your valentine's day unforgettable. Personal loan for travel can help you book a foreign trip without spending all your savings in one shot.
A personal loan is an unsecured loan that can be used for various purposes, including expensive Valentine’s Day gifts or celebrations at an exotic location. Personal loans generally have fixed interest rates and the exact monthly EMIs are known beforehand. You can spread the cost of your purchases over a flexible tenure ranging from as low as three months to up to five years. This will ensure you don’t deplete your savings or that you can adjust your monthly budgets to make this Valentine’s Day memorable.
You can explore multiple personal loan offers through online platforms like Moneycontrol. With loans starting at an interest rate of 12% per annum, you can choose the most affordable personal loan through the Moneycontrol app. You can apply for a loan up to Rs 15 Lakhs from seven lenders in a completely paperless process.
ALSO READ: What is the maximum and minimum tenure for personal loans?
You can apply for a personal loan through online lending platforms. Access a hassle-free, 100% digital personal loan through instant loan apps like Moneycontrol. With minimal processing fees and no paperwork, the loan amount is directly credited to your bank account within minutes. Simply enter your details, complete a quick KYC verification, and choose your EMI repayment plan to avail the loan through Moneycontrol app and website. In collaboration with seven lenders, Moneycontrol offers instant loans of up to Rs 15 Lakhs, with interest rates starting at as low as 12%.
Once you secure a personal loan for your Valentine’s Day plans, it’s crucial to manage repayments responsibly. Here are some tips:
Timely repayments will also help maintain or improve your credit score, ensuring you’re financially prepared for future needs.
ALSO READ: Personal loan impact on credit score: Key factors and tips to manage
Selecting the perfect Valentine’s gift goes beyond material items. Whether it’s a tech gadget, personalised keepsake, experience-based gift, wellness package, or fashion addition, the thought behind it can be precious for your partner. If financial constraints are holding you back from making a grand gesture, an instant loan can help bridge the gap.
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