You’re already managing a home loan, but six months later, your child’s education costs rise and your car starts showing its age. And now you’re tempted to take a personal loan or maybe a car loan. Sound familiar?

Whether it's a TV, an air conditioner, or a bigger fridge, upgrading your home is necessary. But these things often come with a heavy cost. 

Are you wondering whether to buy that luxury bike with your savings or wait? Spending your entire savings at once isn’t wise; you should keep enough cash aside for unexpected expenses.

UPI has revolutionised how we, as a country, go about everyday transactions. Thanks to it, standing in queues at the ATM is thankfully a thing of the past. It has also eliminated the need to calculate and count change for each transaction– a major win for a lot of us who are not particularly fond of mental math. 

Some weeks really test your patience, don’t they? The fridge stops cooling without any warning, the kids need new school items, and there’s a family function you can’t avoid.
Soon, your expenses start piling up, and savings tap out. That’s when you start comparing quick-cash options like an instant loan vs gold loan, to cover this gap.
 

Do you need a loan right away but don't know where to start? You are not the only one! Fearing rejection or a drawn-out application process, many Indians are hesitant to apply for quick online loans.

Need a sudden cash outflow but are concerned since you haven't prepared your Income Tax Return (ITR) yet? 
Nothing to fear! Taking a personal loan without an ITR seems impossible in the classical sense. But several financial institutions offer instant access to funds without an ITR to both salaried and self-employed individuals. It is a godsend, particularly for freelancers, contract employees, or freshers who are unlikely to be asked to file an annual ITR.
 

UPI has changed the way Indians do their financial transactions. As an instant payment system, UPI allows users to send money, request money and transfer funds across multiple bank accounts using just a mobile number or UPI ID. These transactions are done through various UPI apps like PhonePe, Google Pay and BHIM app which provide instant and secure payment solutions. The digital payments industry has grown rapidly with industry leaders and innovators driving the adoption of UPI and related technologies. In June alone, UPI processed over ₹24.03 lakh crore in transactions, for everything from utility bills to loan EMIs. But with increased usage comes increased risk of UPI fraud which has gone up significantly in recent times.

Running out of cash before the month ends is a common problem many of us face. Whether it’s an unexpected medical bill, a school fee reminder or just everyday expenses piling up, financial shortfalls can happen to anyone. We traditionally dip into our savings, borrow from friends or swipe a credit card to cover these costs. But what if the UPI app you already trust could give you a small buffer of credit you can tap anytime, anywhere?