loans

Govt’s new Credit Guarantee Scheme may offer up to Rs 50 crore to each eligible exporter, sources say

It will remain open till March 31, 2026, or until guarantees worth Rs 20,000 crore are issued, with each loan having a tenure of four years, including a one-year moratorium on repayment, sources indicated.

Steady jobs, stronger loans: How your job and experience shape loan approvals

Lenders read your employment history as a proxy for repayment stability—longer tenure and credible experience usually mean easier approvals and better terms.

Small textile exporters face NPA risk as Trump tariffs cause order cancellations, payment delays

Liquidity pressure is mounting on certain MSME exporters, with increasing calls for a moratorium on payment of dues to banks as well as government-backed credit support.

Why checking your personal loan EMI can save you from a debt trap

A simple guide to why a quick monthly EMI check can protect your finances long before any trouble shows up.

Buying a home in your 40s? Here are key things to keep in mind

A home purchase at this stage needs careful balance between EMIs, savings and long-term security.

How to apply for an education loan: Eligibility, process and key benefits explained

A clear guide for students and parents planning to fund higher studies in India or abroad

Lesser-known tips to reduce your education loan burden

Smart ways to cut interest, repay faster, and stay debt-free after graduation

Home loan interest rates: fixed vs. floating — what’s right for you?

Understand the difference between fixed and floating home loan rates to choose the one that best fits your budget and comfort with risk.

The smart way to pick a home loan that fits your life

A smart home loan isn’t just about the lowest rate—it’s about picking terms that fit your life and finances.

Personal loan or credit card EMI: Which truly costs less?

A quick guide to choosing the cheaper option when you must borrow.

Personal loan or mortgage: How to choose the right loan for your needs

A clear comparison to help you decide which financing option suits your needs.

Gold loan vs personal loan: The smarter choice when cash runs short

When cash can’t wait, pick the option that saves interest, protects your assets, and gets money to you on time.

Home loan: Compare top banks for lowest interest rates and EMIs

Compare home loan interest rates from top banks, with rates starting from 7.3% and EMIs ranging from Rs 39,670 to Rs 44,986 for a Rs 50 lakh loan over 20 years.

Top-up or fresh personal loan? Here’s the quickest, cheapest way to raise cash

If you need money fast, top up your existing loan; if a new lender cuts your rate big enough to beat fees, a fresh loan can save more over time.

Should you switch your home loan now? Here’s when it really pays off

Move only when the rate cut beats all fees and you keep (not stretch) your remaining tenure—early in the loan is where the big wins are.

How to spot and avoid personal loan scams before it’s too late

Fake loan offers are rising fast, and knowing the red flags can save you from losing money — and your identity.

What is FOIR, and how does it affect your personal loan approval

Understanding your FOIR can help you plan your personal loan better and increase your chances of approval.

What can lower your chances of getting a personal loan approved

Even with a steady income, these common mistakes can reduce your loan eligibility and delay approval.

Planning to raise a personal loan this festive season? 7 key points to remember

Before you apply for personal loan, it’s important to be aware of key factors that can help you borrow smartly and avoid surprises.

5 hidden clauses in personal loan agreements you can’t afford to miss

Before you sign that personal loan agreement, here are the fine-print traps that could cost you more than you expect.

PPF loan vs personal loan: Understanding the smarter borrowing option

PPF loans and personal loans offer quick cash, but differ in costs and benefits. PPF loans are cheaper but have limits, while personal loans offer flexibility at higher interest rates.

Home loan vs. self-funding: Which is better for buying property?

Balancing financial comfort and long-term gains depends on your liquidity and investment goals

Loan against fixed deposits vs. personal loan: What’s cheaper?

When you need quick funds, both personal loans and loans against fixed deposits can come to the rescue—but the cost and benefits differ significantly.

How to get a personal loan with a low credit score in India

Even with a poor credit history, you can still access funds by following a few smart steps