Personal Loans

Each of these borrowing tools has its place-and its traps. Here's what really works in your favour and what doesn't.

Unexpected ways to use personal loans beyond paying off debt

A loan isn’t just for emergencies or consolidating credit — it can also fund growth, opportunity, and smarter choices.

Pay off multiple personal loans: Simple strategies that work

A practical playbook to organise EMIs, cut interest costs, and get debt-free faster—without wrecking your credit.

Secured vs. unsecured personal loans: Which is right for you?

Choosing between secured and unsecured loans can shape your financial journey — here’s how to decide.

Celebrate stress-free: Using personal loans smartly for festival expenses

Festivals can strain your budget, but a well-planned personal loan can help you enjoy celebrations without financial worries.

How personal loans for treatment costs can protect family finances

When medical emergencies strike, personal loans can provide timely relief and prevent families from draining their savings.

Using personal loans to fund a career shift: what you should know

A personal loan can make up the difference if you are switching careers, but it does have terms that you should know.

Smart ways to use personal loans beyond debt repayment

Personal loans can do more than just clear old debt — they can be tools for growth and financial flexibility if used wisely.

How a strong credit score unlocks bigger personal loans

A higher credit score doesn’t just improve your chances of loan approval—it can also help you secure larger loan amounts with better terms.

Personal loans explained: Should you opt for a top-up or a fresh loan?

Both provide you with extra money, but the knowledge of how they differ makes you select the better and more cost-saving choice.

Bank or fintech app? Learn the key differences in personal loans

Understanding the difference between traditional banks and latest fintech apps will help you choose which loan to go for.

Should you take personal loans from multiple banks? What to know before applying

Borrowing from more than one bank may boost access to funds but also raises risks if not managed carefully.

Personal Finance | Credit growth riding on personal loans spells caution for borrowers

Borrowing against assets for spending and not for asset-creation could lead to a strain on household cash flow 

Stacking loans: Can you really have more than one personal loan?

Multiple personal loans are possible, but they come with added responsibilities and risks.

Chart of the Day | What do the latest data show on trends in personal loan growth?

While industry and services credit remain steady, the sharp deceleration in personal loans points to cooling household demand.

Personal loans: Smart financing tool or risky debt trap?

A personal loan can satisfy urgent requirements or fund possibilities, but the question of whether it is most appropriately utilized for consumption or investment will be based upon cost, risk, and self-control.

Why salaried employees are more likely to qualify for instant personal loans

Stable income, predictable cash flows, and formal documentation make salaried professionals attractive to lenders

Personal loans explained: What they are, and how to use them wisely

A personal loan can become a quick solution if you are having a cash flow issue, but you need to be aware of its fees, EMIs, and repayment terms before you apply for one.

Hidden charges in personal loans you shouldn’t ignore

Personal loans have become a saviour for many in times of crisis or for big bills. However, they may be costing you more than you think. Most borrowers look for low EMI options, but things like processing fees, prepayment fees, etc. can creep up sneakily and add to the actual cost of the loan. Being aware of all these expenses beforehand is very important in making a financially savvy decision.

Smart ways to manage personal loan EMIs without stress

Got a personal loan and feeling the pinch every month? You’re not alone. While EMIs make loans manageable, they can also strain your finances if not planned right. The good news? A little awareness and discipline go a long way in avoiding that pressure. Whether you’re new to EMIs or juggling multiple payments, these tips will help you stay in control and stress-free.

GPay now offers instant personal loans – but are they worth it?

GPay now offers instant personal loans – but are they worth it? Google Pay’s new loan feature promises quick cash, but here’s what you need to know before using it.

Fintech NBFCs accounted for 75% of all personal loans in FY25, a 3x growth in six years

Fintech loans accounted for 12% of the sanctioned value but 74% of the sanctioned volume, focusing on underserved segments that needed small-value loans

There is room to grow on high-yielding products: BoB chief Debadatta Chand

Given the opportunity, the bank can take more risks on its books in personal loans, non-mortgage-based retail loans, loan against property and auto loan, Chand explained.

Quick ways to secure instant personal loan approval

By maintaining a good credit score, preparing documents in advance, and choosing the right lender, you can significantly boost your chances of approval.

Personal loans for travel: Is it a smart choice for your dream vacation?

Taking a personal loan for travel can help you fund your dream vacation, offering benefits like immediate access to funds, fixed repayment schedules, and lower interest rates compared to credit cards. However, it also comes with risks.