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How Embedded Lending is Changing the Way We Borrow
Finance TipsThe Future of Central Bank Digital Currencies (CBDCs) in Everyday Banking

Money has continually evolved from coins to notes and from cheques to mobile wallets.
CBDCs are a new form of digital money issued by central banks, such as the Reserve Bank of India, and accessible directly on your mobile phone, similar to UPI or digital wallets.
 

Katyaini Kotiyal
Credit Score Dropped After Applying for a Loan
Finance TipsMy Credit Score Dropped After Applying for a Loan – Why?

Noticing a dip in your credit score after applying for a loan can be unsettling. Especially if you’ve been diligent with your finances and have never missed a payment.

Katyaini Kotiyal
Old vs. New Tax Regime
Finance TipsOld 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. 

Katyaini Kotiyal
Learn more about Gold Loan Rules
Finance TipsNew RBI Gold Loan Rules Explained: Loan Limits, Tenure & Eligibility (2025)

The latest RBI rules for gold loan (2025) are transforming how gold-backed financing operates across the country. 

Katyaini Kotiyal
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Finance TipsHow to Update Corrections on PAN Card Details Online?

A PAN card is an official document essential for tax-related activities and financial transactions in India. Your Permanent Account Number (PAN) serves as proof of identity when filing your income tax returns. 

Katyaini Kotiyal
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Finance TipsAll You Need to Know About Merchant Cash Advances (MCA)
Introduction Mr Harish Raghav runs a computer parts manufacturing unit in Hyderabad. He finds that his working capital is not sufficient to take bulk orders or carry out...
Manya Ghosh
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Finance TipsNeed A Little Funding Immediately Say Hello To Short-Term Loans
  Introduction There are several occasions when we urgently need a little extra capital than we have in our savings. The purpose is usually an emergency li...
Manya Ghosh
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Finance TipsFive Reasons Why You Should Not Be Opting For a Loan Moratorium
In an attempt to help the small borrowers, the RBI has announced Resolution Framework 2.0. It offers an option to lenders and borrowers to consider a loan moratorium. Sounds appealing, but is it a goo...
Manya Ghosh
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Finance TipsAll You Want To Know About Your EMIs
The COVID-19 pandemic has not only posed a big question mark on health and well-being, it has affected our economy in never-before ways. Therefore, it does not come as a surprise that both individuals...
Manya Ghosh

    Did You Know

    Credit Worthiness

    Before offering a loan, the lender evaluates the borrower's possibility of defaulting, by measuring his or her credit worthiness. This assessment is based on the borrower's credit history, credit rating or score, employment/ business history, banking history, income to expense ratio, and others.