Tanuj Lalchandani

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.

Rohan was in a financial pinch. His car broke down two weeks before his salary day. His cousin said, “Just take a personal loan.” His colleague said, “Why don’t you get a salary advance loan?” Both sounded like smart options. 

If you need funds urgently, Google your options. You will most likely come across these two terms: mini loans and personal loans. While they may look the same, they are actually different options. 

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.
In addition to the retail niche, UPI is making its convenience known in the financial services sector as well, with features like UPI AutoPay. UPI AutoPay automates your recurring payments—EMIs, subscriptions, etc. —improving payment convenience a notch further. Let's understand that in more detail.
 

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. 
No cash, no card, just a quick UPI payment. That’s how common it’s become in India. From street vendors to large retailers, Unified Payments Interface (UPI) has changed the way we pay. It’s fast, safe, and built for the modern, digital India.