Ravi opened a fixed-deposit savings account last week. His friend Priya added money to hers around the same time. Both put in ₹1,00,000, but with two different banks.

For any borrower, submitting a personal loan application marks the end of a process. But in reality, you’re merely passing on the baton to the lender. It’s the cue for a series of behind-the-scenes journeys. You have eligibility checks, KYC verification, loan approval workflows, and finally, disbursal. There’s a whole flurry of activity.

UPI has become the mainstay of all transactions in the country. So much so that a lot of people have even stopped carrying physical money with them.  That said, as is the case with all technology, no matter how good, sometimes things go wrong, and UPI is no different. 

If you have ever opened your CIBIL report and wondered what those numbers like 000, 030, or 090 are trying to say, you are not alone. Most of us focus on the credit score and miss the one detail lenders quietly study first: Days Past Due.

Think of it as your EMI discipline scorecard. A small delay today can shape tomorrow’s loan decisions. So let’s decode it in the easiest, most practical way..

Most people think about personal loans only when an expense appears that their savings cannot comfortably handle. In those moments, understanding how a personal loan works becomes essential.
This guide clearly explains the meaning, purpose, and benefits of personal loans, helping you decide when they are a practical choice. Read on!

Many borrowers feel stuck with high monthly instalments, long repayment schedules, or interest rates that no longer suit their financial goals. However, this situation is more common than the borrowers realise.

Loan approvals don’t happen by chance. Lenders study your income stability, credit history, and debt levels closely. For businesses, they go a step further and evaluate the Debt Service Coverage Ratio (DSCR), a powerful indicator of how financially strong and reliable your operations appear 

This is something most of us can relate to: our muscle memory failing us at the worst possible time. Sometimes you end a call instead of answering it, hit Shift + Delete instead of just delete, and lose critical data or files.  

Things could get worse, for instance, when you enter the wrong UPI pin thrice and get your UPI app locked, especially when there is a long queue behind you.