The month is over, all your bills are paid, your obligations are fulfilled, and your bank account is almost empty till the upcoming pay cheque.

Suyash is a college graduate. Two years ago, he took a loan to buy his first bike. But he couldn’t handle the high monthly EMIs. So, he took another loan to pay off the first one. However, the second loan also had high interest.
Before he could realise, he was trapped in a cycle of borrowing to pay off debts.
This is a classic example of a debt trap. What’s more terrifying? As per RBI’s data, 5-10% of India’s middle-class population is stuck in a similar situation.
 

Most people in India use digital banking daily. We compare loan offers. We evaluate FD interest rates. We switch apps for better savings returns. Yet very few actually understand one core concept: the difference between APY and APR.

From personal loans to home loans, your credit score affects your eligibility for any loan you apply for. A good score boosts your chances, while a bad one does the opposite. 

Like many of us, Mohan found himself in need of quick financial support to give his home a fresh new look. Similarly, Geeta wanted to go on a much-awaited family vacation. And guess what?

When you pay monthly EMIs, using UPI is like second nature. But what if you reach the transaction limit and the payment fails?

India’s love for UPI is undeniable. With an average exceeding 650 million transactions per day, it is clearly the crowd favourite. A quick scan and a beep can settle payments for anything and everything.
From buying vegetables at the local market to splitting a dinner bill with friends, it covers it all.
What started as a government-backed initiative has become a national habit. UPI has ushered in a new era of convenience. And as a result, it’s now an integral part of how we live, shop, and move through the day.
 

QR codes are everywhere today, from shop counters and café tables to fuel stations and even on utility bills. What began as a small digital convenience has become one of India’s most trusted ways to pay.