Tanuj Lalchandani
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For any borrower, submitting a personal loan application marks the end of a process. But in reality, you’re merely passing on the baton to the lender. It’s the cue for a series of behind-the-scenes journeys. You have eligibility checks, KYC verification, loan approval workflows, and finally, disbursal. There’s a whole flurry of activity.
Every lawfully registered Indian company is given a unique Corporate Identification Number (CIN) by the governing body that oversees company establishment (the ROC), similar to how the Indian government issues Aadhaar cards for identification.
A personal loan can save the day when your plans go sideways or a sudden expense pops up. It’s quick, simple, and gets you the money when you need it most.
No one ever plans for a medical emergency. It just happens.
A sudden surgery, an ICU admission, or an unexpected diagnosis can turn your world upside down within hours. In those moments, arranging funds quickly becomes as urgent as getting the right treatment.
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.
The month is over, all your bills are paid, your obligations are fulfilled, and your bank account is almost empty till the upcoming pay cheque.
Suyash is a college graduate. Two years ago, he took a loan to buy his first bike. But he couldn’t handle the high monthly EMIs. So, he took another loan to pay off the first one. However, the second loan also had high interest.
Before he could realise, he was trapped in a cycle of borrowing to pay off debts.
This is a classic example of a debt trap. What’s more terrifying? As per RBI’s data, 5-10% of India’s middle-class population is stuck in a similar situation.
QR codes are everywhere today, from shop counters and café tables to fuel stations and even on utility bills. What began as a small digital convenience has become one of India’s most trusted ways to pay.