How a credit card loan works and when it’s better than a personal loan
From instant approval to flexible tenures, here's how credit card loans can provide relief when you need instant cash—without harming your credit score if used wisely.
Why is digital KYC necessary while availing a personal loan
Skip paperwork—e-verification speeds up the process and gets your loan approved faster.
EMI versus tenure: How to optimise your home loan repayment strategy
When repaying a home loan, borrowers must choose between lowering EMIs for more liquidity or reducing tenure to save interest, considering their financial goals and cash flow situation.
Is it wise to take a personal loan to invest? Here’s what you need to know
Borrowing to build wealth sounds tempting—but it could cost you more than you gain.
Getting a personal loan with a 610 credit score? What are your options
Your credit score of 610 is not good, but it doesn't necessarily mean you're in the dark. That's how lenders see it—and what you can do to improve prospects of being approved.
Personal loan vs credit card: What serves you best in interest rate and borrowing?
Understanding the cost, flexibility, and repayment plan of your personal loan enables you to choose the borrowing options.
Pre-approved loans: Why the banks offer them and what to be aware of before agreeing
Pre-approved doesn't mean risk-free—know what's driving the offer before you sign.
When a personal loan is a bad idea: Know the risks before you borrow
Personal loans offer ready cash, but in the wrong situation, it could end up costing more than you anticipated.
Borrowing from friends to repay loans? Why it may cost more than you think
It may seem like a quick fix, but turning to friends to cover your loan repayments could lead to long-term financial and personal trouble.
Top reasons why people choose personal loans to meet their financial goals
Personal loans have become the go-to financial tool for anyone looking to pay for everything from a short list of bills to a long list without pledging collateral. With minimal paperwork and instant approval, they are the most convenient option in case of emergencies as well as in planned life occurrences. Whether for unplanned hospitalization or funding a dream wedding or honeymoon, personal loans are the flexible option that traditional loans are not.
Should you take a home loan? What to weigh before deciding
Home loans allow you to buy assets but also come with long-term money ties—understanding both sides can lead you to make smarter choices.
Do you have tax relief on personal loans? This is what the law says
Personal loans are not necessarily tax-deductible, but in some cases, you can claim benefits—depending on how you use the money.
Which of these assets is best suited to take a loan in 2025? FDs or gold or shares
Your choice of collateral could impact interest rates, processing time, and loan amount—know the pros and cons before mortgaging assets.
Why taking a personal loan isn’t always a smart move
Personal loans are often seen as easy solutions for pressing financial needs, like medical bills or vacations abroad, but while may be a convenient way of getting cash quickly, the high interest rates and harsh repayment plans make them a less-than-ideal solution
Thinking of borrowing against your FD? Here's what you should know
A fixed deposit loan offers hassle-free, low-cost money without wrecking your investment—but it's not for every situation.
India’s Credit Divide: Formal access grows, but informal borrowing persists
Credit penetration, the asset side of banking, has lagged. Despite the surge in account openings, India’s financial inclusion ranking remains below peers like Brazil, South Africa, and Russia. Non-institutional lenders continue to dominate credit access for low-income households and self-employed entrepreneurs
Personal Loan Lock-In Period: What it means and how it affects your loan repayment
Before applying for a personal loan, don’t miss the fine print on the lock-in period—a set duration (usually 6–12 months) during which you can’t prepay or close your loan, even if you’re ready. This affects your repayment flexibility and can cost you more in interest. In this blog, we break down how lock-in periods work, their impact, and what you should know before foreclosing your loan.
Applying for a personal loan? Make sure you do these things to strengthen your eligibility
Getting a personal loan is more than just filling out the application form—the bank needs to be sure that are a safe and reliable borrower. Poor credit history or an unstable income can make any lender refuse to loan you money. By preparing your financial profile ahead of time, you can significantly increase your chances of approval and negotiate better loan terms.
Rejected for a personal loan or credit card? Here's why your application could have failed
Applications are usually declined by lenders due to credit history, income, or documentation problems — here's what you should know before you apply.
How soon will your personal loan be disbursed? These 4 things matter most
Need instant cash via a personal loan? While most lenders offer "instant approval," the actual time it would take to receive the cash in your bank account may not be as speedy. While some borrowers find it in their accounts within hours, others find it a few days later. It all depends on a few critical parameters—your credit score, the lender you approach, the application mode, and the speed of verification of documents.
Want to close your personal loan early? These 5 tips can help you save big
Personal loans are convenient in emergencies, but the longer you keep them, the more you pay in interest. The plus side is that with some clever strategies, you can reduce your loan term and save on the total cost. If you want to access monthly cash flow or eliminate debt anxiety, prepayment of your loan can be a clever money move.
How soon will your personal loan be disbursed? These 4 things matter most
Need instant cash via a personal loan? While most lenders offer "instant approval," the actual time it would take to receive the cash in your bank account may not be as speedy. While some borrowers find it in their accounts within hours, others find it a few days later. It all depends on a few critical parameters—your credit score, the lender you approach, the application mode, and the speed of verification of documents.
Best home loan interest rates in India – July 2025
Looking to buy your dream home? These are the top lenders offering the most competitive home loan interest rates in India right now.
For Q1, past will outshine present as life insurers brace for soft FY26
Growth may drag in Q1 but life insurers may report robust profitability
