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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

Good Credit Score
What’s a Good Credit Score to Get a Loan?

Meera teaches at a local school and needed a personal loan of ₹3 lakh. With her good credit score, the lender didn’t take long to give the green light. She was able to get the low-interest rate personal loan quickly and only had to share minimal documentation before the amount was credited.

14 Aug, 2025
Which Loan Should I Take First
I’m New To Credit – Which Loan Should I Take First?

You've started earning and have finally experienced financial independence. It is exciting, but can feel a little overwhelming, as with this new phase also comes certain financial responsibilities.

14 Aug, 2025
Salary Required for Personal Loan
Minimum Salary Required for Personal Loan in India: What Lenders Really Look For

Riya and Arjun both applied for a personal loan last week.
She’s a teacher in Thane earning ₹25,000/month. He’s a software developer in Bengaluru with a ₹55,000/month salary.
 

11 Aug, 2025
Old vs. New Tax Regime
Old vs. New Tax Regime Simplified: Which One Should You Pick?

Over 8 crore Indians filed income tax returns in FY 2023–24. Yet, when it comes to choosing between the old and new tax regimes, confusion still lingers. 

11 Aug, 2025
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The Importance of Good Credit for Securing a Business Loan
Credit score is beneficial to your business for the following reasons: Makes you a responsible borrower Qualify for significant funding Better loan terms I...
28 Jul, 2025
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Navigating Personal Loan Applications Amidst RBI’s Revised Lending Policy

The RBI policy landscape for personal loans has undergone a significant transformation in recent months. On May 8, 2025, the Reserve Bank of India issued comprehensive Digital Lending Directions, marking a pivotal shift in how digital loans are offered and processed across the country. These changes come at a time when the digital lending ecosystem has expanded rapidly, necessitating stronger guardrails to protect borrowers.

03 Jul, 2025
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Top Engineering Colleges Accepting JEE Main Scores in 2025

Today in India, there are over 2000 JEE Colleges or engineering colleges that accept JEE Main scores. This includes government-backed colleges, those run under a public-private partnership, and private institutions.

03 Jul, 2025
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Power Your Business Expansion with a Smart LAP Strategy

Growing your business requires substantial financial resources. Whether looking to scale operations, invest in new equipment, or tap into new markets, you will need funding support. That is where a business Loan Against Property (LAP) comes in handy. This financial instrument leverages the equity in your property to secure a loan with terms and conditions far better than traditional business loans.

 

03 Jul, 2025
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Essential Tips for Planning Your First International Trip

When you are planning for your first international trip, it can be an overwhelming experience. As more Indians look to explore destinations beyond borders, especially during summer vacation, the thrill of experiencing new cultures, cuisines, and landscapes becomes irresistible. 

03 Jul, 2025