Blogs.

Getting a loan as a student in India used to mean two things: a bank branch visit and a guarantor with a salary slip...

It was the 29th of the month. Priya had just swiped her card at a grocery store when the transaction failed - not because the store had a problem, but because she had no idea how much was left in her account after her EMI had gone out two days earlier. A small inconvenience, but an entirely avoidable one.

Imagine you walk into a bank to open a savings account. Before anything else - before you pick your account type, before you discuss interest rates - the bank asks for your identity and address documents. You hand over your Aadhaar card and PAN card. Within minutes, the process is done.

It is the 24th of the month. Akash has Rs 400 in his account, a flat tyre that will cost Rs 600 to fix and five days until salary. He searches on his work break: "instant cash until salary."

Aarav is 26 and his laptop is giving out on a Saturday morning. He needs a replacement that costs Rs 40,000. His savings cover rent and a buffer he does not want to touch.

Ever wondered what you’re really signing up for when you take a loan? Financial obligations in loans go beyond just borrowing money. They’re the commitments you make...

Kartik is 22 and looking at a Rs 60,000 laptop. Below the price, a line reads: EMI starting at Rs 2,800 per month. His salary is Rs 25,000. The number looks manageable but he wants to know what it actually includes before he commits. Does the total come to more than Rs 60,000? What is covered in each payment?

Vikram had just switched jobs and needed to update his salary account details with his new employer. He reached for his passbook and realised he hadn’t touched it in two years. The chequebook was somewhere in a drawer he hadn’t opened since the pandemic. He tried to recall the number from memory. Twelve digits? Fourteen? He wasn’t sure.