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An electric scooter can seem affordable until you look at the amount you need to pay upfront. If you would rather keep some savings aside, an EMI can make the purchase easier to manage. But the monthly payment depends on more than the scooter’s price. 

If you are planning to buy an EV in Delhi, the showroom price isn't the only thing to check. Delhi EV Policy 2.0 can affect your purchase through incentives, tax and registration benefits, while phased rules will change which vehicles can get new registrations. Here’s what the policy means for buyers and vehicle owners, and what to check before you buy.

Rahul had taken a personal loan two years ago to fund a family emergency. He paid his EMIs diligently for 18 months. Then came an unexpected job loss. Struggling to keep up, he called his lender and asked: “Can I just settle the loan?” The lender said yes - for a reduced amount. Rahul thought he had dodged a bullet.

An 800 CIBIL score generally indicates a strong credit history and responsible management of past credit. However, your credit score is only one part of a personal loan assessment.

Your loan may have worked well when you took it, but your finances may have changed. A better rate, stronger credit profile, or a difficult EMI may make you look for a new option. Refinancing can replace your existing loan with terms that better fit your needs. This guide explains how it works, when it helps, and how to check savings.

Aman thought he needed money just once but his expenses kept coming in parts. First, there were medical bills, then costs for his freelance work, and later, gaps in his business cash flow. He took a personal loan, but the fixed amount didn’t really help it was either too much or not enough. Aman felt stuck managing it. Then he found a personal line of credit, which let him take money only when he needed it, making things much easier.

Both personal loan and salary advance loan are helpful for money shortage. Yet their jobs are quite different.

Salary day comes. The EMI auto-debit runs. The account does not have enough. What follows is not just a failed transaction. Personal loan EMI bounce charges kick in, sometimes penal interest too, and the credit score takes a note of what happened. This blog explains what these charges are, what triggers them, how much they typically cost, and what to do if an EMI does not go through.

Seeing ‘Settled’ on a credit report can be unsettling, particularly when you are planning a new loan. Start by checking what the lender has actually reported: the account, the amount, the date and the status. Those details decide your next move.