Tanuj Lalchandani

The past decade has witnessed India's digital payment system completely change the way we manage money. From sending rent to EMIs, all of it is just a tap away. Among them, Net Banking and UPI are the top priority options for Indians. 
Although both options offer convenient, cashless transactions, they function in significantly different manners. It is a question of whether you would prefer instant speed (UPI) or absolute control and larger limits (Net Banking) while going for EMI repayment. 
 

You wake up to a burst pipe in your home. By noon the next day, you’re quoted ₹2 lakh for repairs. Waiting days for funds isn’t an option. After all, you need the money yesterday!
That’s where the need for the fastest personal loan disbursal comes in. 
 

Your Key Fact Statement (KFS) is a mandatory statement that gives you a clear, transparent summary of your loan’s T&Cs. Just like you review a contract before signing it, understanding your KFS empowers you to make informed borrowing decisions before you sign any loan agreements.

What’s the first thing lenders check while considering your loan or credit card request? It’s your CIBIL score.
Your CIBIL score is your financial report card. This simple, three-digit number ranges from 300 to 900. It reflects your ability to manage debt. Being closer to 900 improves your chances of landing credit. What’s more? You can get better terms for your good credit behaviour.
In short, your CIBIL score tells lenders whether you’re a responsible borrower or a risky one.
 

UPI has quickly risen to be the most popular mode of digital transaction in India recently, with a transaction volume of over 20 billion in August 2025 (NPCI).

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.'

UPI has revolutionised how we, as a country, go about everyday transactions. Thanks to it, standing in queues at the ATM is thankfully a thing of the past. It has also eliminated the need to calculate and count change for each transaction– a major win for a lot of us who are not particularly fond of mental math. 

Need a sudden cash outflow but are concerned since you haven't prepared your Income Tax Return (ITR) yet? 
Nothing to fear! Taking a personal loan without an ITR seems impossible in the classical sense. But several financial institutions offer instant access to funds without an ITR to both salaried and self-employed individuals. It is a godsend, particularly for freelancers, contract employees, or freshers who are unlikely to be asked to file an annual ITR.
 

Shania has a personal loan with an EMI due on the 7th of every month. This time, life got in the way. She missed the payment and finally cleared it on the 15th. But when she checked her account, the amount was higher than usual. The culprit? A small but significant addition called a penal charge.