Katyaini Kotiyal

Have you ever planned a home makeover just before Diwali? Or maybe consider buying a cool gadget during an Independence Day sale?
Festive seasons in India are big events. They carry a lot of meaning, emotion, and big expenses. And when that happens, borrowing rises too.
 

Money has continually evolved from coins to notes and from cheques to mobile wallets.
CBDCs are a new form of digital money issued by central banks, such as the Reserve Bank of India, and accessible directly on your mobile phone, similar to UPI or digital wallets.
 

Your credit score isn’t built on one factor alone. Among repayment history and loan amounts, there’s another piece that matters: your credit mix. 

Suppose you’re buying a new laptop online or booking tickets for a family holiday. Just as you are about to pay, a button pops up: “Buy Now, Pay Later” or “Get an instant loan with easy EMIs.” In that moment, the purchase feels far less overwhelming.

Loyal customers expect more. They want recognition, perks, and trust. And honestly, they do deserve it. 
Given this baseline expectation, it’s no surprise that loyalty programs are booming in India. Retail, telecom, and e-commerce have nearly perfected the art of rewarding loyalty. Seeing this, even financial institutions are entering the fray.
 

Medical bills are due today. A car breaks down before payday. Rent top-ups when a client pays late. Money emergencies arrive suddenly, and choosing the right credit tool under pressure is hard. 
Personal loans or overdrafts (OD) are two common options in such situations. Both provide quick access to cash, but have different underlying mechanisms. This guide breaks down those differences, shows when each option shines, and helps you decide before the crunch moment.
 

The traditional path to securing a personal loan has long relied on salary slips, income tax returns, and extensive bank statements. But what if you’re a freelancer, gig worker, or small business owner whose income doesn’t fit neatly into these conventional categories? Enter the evolving world of UPI-based lending, where your Unified Payments Interface transaction history becomes an additional tool for financial access.

The Union Budget 2025 has shifted the financial ground for many Indians. New tax slabs, higher deductions, and updated rules on house property all affect how much money actually lands in your pocket each month. 

The prices of gold and silver have been rising steadily and are touching new highs every few months. Despite this, with every festive season comes the urge to buy these precious metals either due to tradition, family commitments, or as an investment.