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Katyaini Kotiyal

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About Author

Katyaini is a finance expert with a focus on the non-banking financial sector, bringing over 8 years of experience in NBFC. She specializes in simplifying complex financial concepts for readers, helping them navigate the NBFC landscape. Outside of work, she is passionate about travelling.

Blog By Author

Build a Financial Safety Net Before a Loan
Finance TipsFinancial Safety Net Before Taking a Personal Loan

Rahul took a personal loan to furnish his apartment. He had no buffer and believed that his paycheck offered him a safety net. After a few months, he had a medical emergency...

UPI vs PPI
Finance TipsUPI vs PPI - Understanding the Key Differences

Digital payments are prominently used among Indians. People are using online payment methods to pay grocery stores, shopkeepers, and even to split restaurant bills...

What is UPI 123 Pay?
Finance TipsUPI 123 Pay: Digital Payments Without Internet

Anit Prayag is a private university lecturer who conducts seminars in different cities. During one of his trips, he visited a café in a rural area with poor internet connectivity...

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Personal LoanWhat Will Happen If A Personal Loan EMI Bounces?

EMI bounces are common. They usually occur when your bank account doesn’t have the required balance to pay the EMI. But once you fail to repay an instalment, the system keeps a record of it, and applicable EMI bounce charges are triggered

ZED Certification Scheme of MSME
Business LoanZED Certification Scheme of MSME: Everything You Need to Know

The MSME sector is called the backbone of the Indian economy, and for good reason. It accounts for nearly 45% of all exports out of the country and for approximaly 30% of the GDP.

Income Certificate
Finance TipsIncome Certificate - Meaning, Benefits, and Its Uses

Riya got admission in the medical college of her dreams, but quickly realised she would need help paying the fees. The college was ready to offer her a full scholarship if she could submit documents proving she genuinely needed financial assistance.

Difference Between Sanction and Disbursement
Personal LoanDifference Between Sanction and Disbursement: Loan Process Explained

Sarah applied for a home loan. She just received an email that her loan has been sanctioned. She is celebrating, thinking that the money for her dream home has been paid...

Best 160cc Bikes in India
Two Wheeler LoansBest 160cc Bikes in India – Power Meets Performance

Power, performance, and mileage – the 160cc segment offers a blend of all these and more. When you want to rule the roads in style and comfort, the 160cc bikes are an affordable choice.

UPI रेफ़रेंस नंबर क्या होता है?
Finance TipsUPI रेफ़रेंस नंबर क्या होता है? UPI रेफ़रेंस नंबर की पूरी गाइड

UPI ने हमारे भुगतान वातावरण में क्रांति ला दी है, इसे शुरू से अंत तक डिजिटल प्रोसेस में बदल दिया है। कैश और भौतिक लेनदेन में अब बहुत कम मात्रा में होते हैं। UPI हर तरह से फायदेमंद है, फिर भी इसमें...