Loans

When interest rates drop but your EMI doesn’t

If interest rates are falling but your EMI isn’t, the problem is usually not the headline rate. It’s how your loan actually behaves.

IIFL Finance's Rs 2,000-crore bond issue opens tomorrow

The lender's biggest ever bond issue includes a Rs 500 crore base and a Rs 1,500 crore green-shoe option, the company said on February 16

Worried about hidden loans? Here’s how to check what’s active in your name

Keeping track of loans under your name is essential to avoid fraud, credit damage and unpleasant financial surprises.

Startups to seek Finance Ministry nod for loans against pending GST input tax credit

The finance ministry already approves such loans for MSMEs and corporate sector as loan against receivables

Juggling multiple loans? Here’s how to stay in control without sinking your finances

Handling more than one EMI is stressful, but with the right structure and discipline, you can protect both your cash flow and your credit score.

Pre-approved personal loans: Why banks push them and when you should still say no

A pre-approved loan feels flattering and urgent, but it’s rarely about doing you a favour. It’s about risk, timing and margins—and knowing that makes it easier to decide when to walk away.

ITI to monetise 91-acre Bengaluru land parcel to raise Rs 3,473 crore, clear dues and loans

The Centre says ITI Limited has an order book of Rs 18,746 crore but continues to make losses

Govt’s new Credit Guarantee Scheme may offer up to Rs 50 crore to each eligible exporter, sources say

It will remain open till March 31, 2026, or until guarantees worth Rs 20,000 crore are issued, with each loan having a tenure of four years, including a one-year moratorium on repayment, sources indicated.

Steady jobs, stronger loans: How your job and experience shape loan approvals

Lenders read your employment history as a proxy for repayment stability—longer tenure and credible experience usually mean easier approvals and better terms.

Small textile exporters face NPA risk as Trump tariffs cause order cancellations, payment delays

Liquidity pressure is mounting on certain MSME exporters, with increasing calls for a moratorium on payment of dues to banks as well as government-backed credit support.

Personal loan or mortgage: How to choose the right loan for your needs

A clear comparison to help you decide which financing option suits your needs.

OPINION | Gold loans haven’t had it better, but lenders shouldn’t throw caution to the wind

The surge in gold price provides a platform for a big push in gold loans. However, the risk of gold’s adverse price movement should engender caution

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