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After moderating earlier in FY26, lending picked up sharply towards the end of 2025. As of December, bank credit grew at 14.5%
With the new regime now the default option, expectations are rising that Finance Minister Nirmala Sitharaman may use this year’s Budget to better balance lower rates with meaningful incentives
Banks often bundle insurance with personal loans as “peace of mind”, but for many borrowers it adds cost without adding real protection.
Missing EMIs is frightening, but panic usually makes things worse. A few early, practical moves can limit damage and keep the situation from spiralling.
Before you say yes to that “pre-approved” loan, pause and look at what’s really being sold to you.
A bounced EMI is often blamed on bad timing, but its real cost shows up later in your credit score, borrowing options and monthly peace of mind.
Most “money surprises” aren’t actually surprises. A sinking fund is just a way to spread the cost quietly across months, so you’re not forced into EMIs when the bill shows up.
If your PAN or Aadhaar has been misused, speed matters more than perfect paperwork. Your first job is to find the loan on your credit record, and your second is to create a clean paper trail that forces the lender and the credit bureau to treat it as fraud.
High-interest loans keep borrowers stuck; the avalanche strategy offers a practical, interest-saving exit path.
It’s not just missed payments that matter. Even routine credit card swipes shape how banks judge your ability to repay a loan.
RBI rules give borrowers more protection than most people realise.
The right borrowing tool depends less on the offer and more on what you truly need the money for.
Luxury purchases bring joy in the moment, but the repayment lasts much longer.
Why taking fresh credit doesn’t always harm your score — and when it can.
A top-up loan can feel like an easy source of extra money, but it works in your favour only when you understand the costs, the tenure and how it affects your larger debt picture.
A loan against mutual funds lets you unlock money from your investments without selling them, but it only works well if the need is short term and you are disciplined about repayment.
A simple guide to choosing the right option based on how much, how long, and how often you need money.
On paper, non-bank sources have offset the fall in bank funding to commercial sector. But trace the source of funds and we go back in many cases to banks, who continue to play an outsized role. India still lacks enough diversity in sources of funding
With India Inc’s financial health at its best and loan growth remaining anemic despite efforts, the regulatory nudge towards big-ticket corporate loans is understandable. But who will lend in this cycle and more importantly, what happens to cautious lending are key questions ahead of the sector.
Defaulting on a loan against property can lead to severe financial and legal consequences, making it essential to understand the risks and remedies before matters spiral out of control.
Leveraging your investments for quick liquidity can be tempting, but in volatile markets, it comes with unique risks and rewards.
The cabinet of Chief Minister Nitish Kumar approved a new scheme, 'Mukhya Mantri Divyangjan Udyami Yojana', in this regard.
Smart credit card use can boost your loan eligibility, while poor habits can quietly damage your chances.
A top-up loan can offer quick relief, but understanding the terms and implications is essential before saying yes.
Making the right choice can save money and reduce financial stress.
