Big life goals don’t always wait until you’ve saved enough. A wedding date, a course admission, or a chance to buy your first home can come with fixed timelines. Many people today use personal loans to handle these milestones, spreading costs into easy EMIs instead of delaying plans.

Adulting isn't easy in 2025. A single event, such as a wedding, an urgent house repair, or a medical bill, can cause even the finest financial plans to collapse due to taxes, EMIs, rent, investments, and other daily costs.

Did you know that EMI repayment leaves a financial trail behind you? It highlights your financial habits.

When planning a major expense to achieve your life goals, what is your first choice: using your savings or taking out a personal loan?

Rohit and Viraj both work for the same company in Chennai. 
Rohit, a marketing intern, lives in a PG with his flatmates. Viraj, his manager, lives in his own flat with his family. 

You’ve worked hard to build your retirement fund, setting aside money year after year with one goal: peace of mind for the future. 

So you finally got your much-awaited appraisal. Now is the perfect time to visit your dream destination, and you applied for a personal loan. But then your application got rejected. 

The biggest worry for anyone, especially with a family, is how to balance finances. On one side, you have non-negotiable commitments like medical expenses, loans, and educational expenses. On the other hand, there is the need to take a memorable family trip or buy that dream gadget or appliance. 

Applying for a personal loan often seems simple. Borrowers research lenders, compare interest rates, complete the application, and wait for approval.