Loans

Debt avalanche vs debt snowball: What’s the smarter way to pay off loans

Choosing the right repayment strategy can save money, reduce stress, and help you get debt-free faster.

India Buys in Hindi, Dreams in EMI: Why the metro-first strategy is broken

India's market is diversifying beyond metros. Brands must evolve strategies, catering to both urban and rural needs, balancing aspiration with accessibility, and embracing regional preferences for sustainable growth

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.

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

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.

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.

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.

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.

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

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

Handle With Care: Credit cards can hurt more than they help

Credit card pros and cons: Be mindful and rack up your spends only as much as you can comfortably afford to clear each month. Anything more can mean trouble.

Rate Race: PSBs take the lead, drive interest on home loans below 7.5%

Lowest home loan interest rate: Private banks are yet to pass on the full benefit of RBI’s 100-bps repo rate cut to their home loan customers.

Smart borrowing: How to tell good loans from bad ones and avoid debt traps

Knowing the difference can help you build wealth instead of falling into a financial hole.

Need quick cash for financial emergencies? Consider taking a loan against your car

Loans against cars allow you to tap into your asset to ensure liquidity in times of crises, but lack of diligence in repaying the loan will have consequences.

MC Exclusive | BimaPay eyes 30–40% volume from ULIPs, nears launch of fully digital loan against life insurance platform

Loans against life insurance policies is a practice that’s long existed in the offline world. But the process is full of delays and paperwork. BimaPay aims to eliminate that friction.

BimaPay Finsure targets Rs 20 crore premiums in FY26 for maiden corporate product

However, even with the new corporate product, BimaPay remains a retail-first business, CEO Hanut Mehta says

Finance Loan Guide: Key Details You Need To Check Before Applying For A Loan

New to borrowing? This guide breaks down everything you need to know about finance loans in India—from types and eligibility to choosing the right lender and avoiding debt traps.

Centre mulls tightening capex loan scheme as many states prioritise freebies over infra spend

While states like Andhra Pradesh, Rajasthan, Bihar, Jharkhand, Madhya Pradesh, Himachal Pradesh, West Bengal, among others, have largely relied on loans from the Centre to spend on infrastructure, the finance ministry is particularly concerned about the impact of capex assistance on the debt levels of smaller states.