Loan

High-interest loans keep borrowers stuck; the avalanche strategy offers a practical, interest-saving exit path.

Why your credit card usage matters more than you think when applying for a loan

It’s not just missed payments that matter. Even routine credit card swipes shape how banks judge your ability to repay a loan.

When a recovery agent knocks on your door know your rights before you panic

RBI rules give borrowers more protection than most people realise.

Instant loan or credit card loan — how do you decide which one suits you?

The right borrowing tool depends less on the offer and more on what you truly need the money for.

Thinking of using a loan to buy luxury items? Read this before you swipe

Luxury purchases bring joy in the moment, but the repayment lasts much longer.

Will a new loan reduce your credit score? Here’s how the impact truly works

Why taking fresh credit doesn’t always harm your score — and when it can.

Before you say yes to a loan top-up, read this

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.

Loan against mutual funds: A flexible way to raise cash without selling investments

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.

Borrowing against gold: Pick between a loan and an overdraft

A simple guide to choosing the right option based on how much, how long, and how often you need money.

OPINION | Does the rise of non-bank funding represent financial disintermediation or liquidity shuffling?

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

OPINION | Vault Matters: Big-ticket corporate loans return, but stress lurks

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: What every borrower should know

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.

Amid market uncertainty: Is a loan against securities the right choice?

Leveraging your investments for quick liquidity can be tempting, but in volatile markets, it comes with unique risks and rewards.

Bihar to provide interest-free Rs 5 lakh loan, subsidy to specially abled persons to promote entrepreneurship

The cabinet of Chief Minister Nitish Kumar approved a new scheme, 'Mukhya Mantri Divyangjan Udyami Yojana', in this regard.

The way you use your credit can affect your future loan approval. Here’s how

Smart credit card use can boost your loan eligibility, while poor habits can quietly damage your chances.

What to check before accepting a loan top-up from your bank

A top-up loan can offer quick relief, but understanding the terms and implications is essential before saying yes.

Should you pay off your education loan early? Here’s how to decide

Making the right choice can save money and reduce financial stress.

Avoid loan stress: Use an EMI calculator before you borrow

EMI calculators inform you where you stand before you take the loan.

Who repays a loan after the borrower’s death? Here’s what happens to the liability

Co-borrowers, guarantors, and legal heirs must understand their financial responsibilities and rights after a borrower passes away.

How senior citizens can get loans after retirement: Best options explained

From reverse mortgages to pension-backed credit, here’s how retirees can access funds easily.

Loan closed but credit report says otherwise? Here’s how to fix it

Closing a loan should be the end of your worries, but when it still appears as “active” on your credit report, it can be frustrating. Your credit scores could be lowered or applications rejected—there are numerous unexpected, but serious, consequences of a delayed loan closure. Here’s how to resolve them quickly to preserve your creditworthiness.

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.

Making a part-payment on your loan? Here's how it affects your credit score

Paying off part of your loan ahead of schedule may sound like a smart idea, but how will it really impact your credit score? Here's what you should know.

How to easily apply for an instant loan of ₹2,000 using your Aadhaar card

Need a small emergency loan? Whether it is an unexpected medical need, grocery or mobile recharge, a ₹2,000 loan will get you by. Aadhaar-based online authentication guarantees taking one such loan as hassle-free as possible—no lengthy forms or physical visits to worry about. Just carry your Aadhaar card and a smartphone along, and you're ready to go. Apply, verify, and receive money in minutes.

RBI report reveals India’s consumption boom powered by affluent borrowers

The Reserve Bank of India's latest Financial Stability Report exposes a troubling truth: India's consumption-driven growth is increasingly powered by wealthy households who can access cheap credit