Katyaini Kotiyal

A personal loan is a versatile form of credit. Whether you need to fund your child’s education or pay your parents’ hospital bills, it can help in every situation. No wonder over 67% of Indians rely on it for financial emergencies. 

Thinking of taking a loan? Good idea! But do you know which type is right for you?
When it comes to loans, two broad categories exist: long-term loans and short-term loans. Most people think they’re just repayment tenures. But the reality is far more complicated than that. 
 

How often do you use UPI without a second thought?
Maybe it’s a quick QR scan at the grocery counter, paying bills online, sending money home in seconds, or splitting a dinner tab with friends. For most of us, it’s a reflex now. Fast, simple, and always just a tap away.
 

Have you ever stopped for lunch on the highway only to hear, “Sorry, no cards”? Carrying wads of cash isn’t safe, and ATMs aren’t always nearby.
While UPI apps can be a lifesaver, there are network issues and safety concerns. To access funds and make payments effectively, National Payments Corporation of India (NPCI) has released UPI ATM, UPI Lite, and Tap-to-Pay. UPI stands for Unified Payments Interface, a digital payments system supported by banks across India. Introducing UPI features like UPI ATM and Tap-to-Pay enhances digital payments, and these features are supported by major banks and robust financial infrastructure.
 

Why PSU/MNC Employees Get Better Loan Terms (And How You Can Too)
 

Imagine this: your salary lands in your account, and seconds later, you’ve paid your bills. Or you’re out shopping, and a quick scan from your phone settles the payment instantly.
That convenience is what India’s Digital Rupee offers. And it does more than improve daily transactions. If you're planning a personal loan, the digital rupee streamlines the application and review process, too.
 

Kabir is a 30-year-old IT consultant at an MNC. Relocating from one city to another for client projects is part of his job, so he’s always on the move.
For his latest project, he had to relocate to Hyderabad for three months. He explored PGs within his budget, compared amenities, and booked the best one. But instead of paying the deposit from his pocket, Kabir took a personal loan. Surprised? Don’t be!
 

You’ve probably seen ads promising free credit score checks. But is it really free? Or will you end up signing up for a trial you didn’t need?
Your credit score affects how easy the process will be for you to get a personal loan to fund a family emergency.
 

Today, almost every Indian relies on mobile wallets for everything. They’re instant, contactless, and widely recognised. In fact, UPI alone is accepted by over 65 million merchants in India.