Tanuj Lalchandani

Do you, despite setting up multiple reminders, always end up missing payment deadlines? EMIs and subscriptions are a way of life now, and if you add to this how hectic life is, the most common answer you'll get is 'yes.'

Picture this: you’re sipping tea at a roadside stall. It’s time to pay. You grab your phone, scan a QR code, and ka-ching. The payment is settled within minutes. Now imagine you’re in the queue for the next iPhone. When it’s your time to pay, you repeat the action. Scan and pay. 

UPI's immense convenience and real-time transaction capability make it the most preferred payment method today. In August 2025, UPI recorded 20 billion transactions worth INR 24.5 lakh crores.

Did you know that of the ₹1,572 trillion in transactions made in the first half of 2025, ₹1,536 trillion, or 99.8%, were made using UPI? This shows how popular UPI has become among Indians, traversing both the urban and rural populations.  

NBFCs (Non-Banking Financial Companies) are crucial entities that help in expanding credit access across sectors where traditional banks often fall short. Unlike banks, they...

Rahul wrapped up a freelance project and expected a quick payment. He shared his UPI ID, waited, and then sent a reminder. The client replied late, entered the wrong amount once, and fixed it after another message. The whole exchange took longer than expected.

Meena stitches garments at a small unit in Pune, earning Rs 18,000 a month. When her daughter was hospitalized suddenly, the bill came to Rs 45,000. Every rupee she had was already spoken for. She searched for a personal loan for low income and found mostly confusing jargon or products she clearly did not qualify for. What she needed was a plain, honest answer. Here it is.

Amit and Priya both applied for a Personal Loan on the same day. Both are software engineers in Delhi, earning similar salaries, and both applied for the same loan amount of Rs 3 Lakh. A few hours later, Amit received a notification of approval with an attractive interest rate, while Priya’s application was flagged for further review.

Imagine Rohan, a 30-year-old project manager in Hyderabad. After months of planning, he finally decided to take an Instant Personal Loan of Rs 4 Lakh to consolidate his high-interest credit card debt and renovate his home office. He spent days comparing interest rates across various lending apps. One lender offered 12% p.a., another 15% p.a., and a third mentioned "starting at 10%."