Should you opt for a low-interest pre-approved loan or a fresh loan?
Choosing the right loan can save you money and reduce repayment stress.
Holiday Loans: 27% of Indians borrow for vacations, but at what cost?
A survey reveals 27 percent of Indians use personal loans for vacations, with Gen Z and millennials driving the trend, but holiday loans come with high interest rates and debt risks.
Buying insurance with a home loan is not compulsory. Should you still get it
Understanding the role of home loan insurance can help you make an informed decision about protecting your family’s financial future.
How fair and transparent loans will help NBFCs and small businesses grow by 2047
NBFCs play a vital role in India’s inclusive growth by providing transparent, fair credit to underserved communities. Responsible lending builds trust, reduces risks, and drives sustainable economic development towards 2047 goals
Personal loan vs credit card: Which is for you?
From interest rates to convenience, here's how personal loans measure up against credit cards as a borrowing option.
Home loan rates fall below 7.5%; here is what top banks are offering
Home loan interest rates have dipped below 7.5% following RBI's 100 bps repo rate cut this year, with rates ranging from 7.3% to 8% for a Rs 50-lakh loan
Switch or stay? How to bag a lower home loan rate
Choose renegotiation with the same lender if the rate difference is modest (0.25% to 0.5%), your existing lender’s conversion charges are reasonable, you value convenience, service continuity, and less paperwork, and you have a shorter remaining tenure and just want mild relief.
Education Loan: A list of banks offering loans starting at 8.25% to study abroad
Education loans for studying abroad cover a range of expenses including tuition fees, living costs, laptops, books and travel
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.
