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Salary day comes. The EMI auto-debit runs. The account does not have enough. What follows is not just a failed transaction. Personal loan EMI bounce charges kick in, sometimes penal interest too, and the credit score takes a note of what happened. This blog explains what these charges are, what triggers them, how much they typically cost, and what to do if an EMI does not go through.

Seeing ‘Settled’ on a credit report can be unsettling, particularly when you are planning a new loan. Start by checking what the lender has actually reported: the account, the amount, the date and the status. Those details decide your next move.

Many people assume that filing an Income Tax Return (ITR) is mandatory to apply for a personal loan. While several lenders may request an ITR as part of their documentation process, some may offer a loan without ITR to eligible applicants by assessing alternative proof of income and repayment capacity.

A payment request pops up while you are busy. It looks routine, so you approve it. Moments later, the money is gone, and the sender has vanished.

A personal loan is one of the most commonly used ways of borrowing money for any type of cost, be it anticipated or unexpected. Be it a medical emergency, wedding, traveling, household renovation, school tuition, consolidating debts, or other expenses, an unsecured personal loan can help borrowers whenever they need.

Three years ago, ₹1.5 lakh got you a decent commuter and not much else. That ceiling has shifted considerably. Today the same budget opens up 225cc engines, USD forks, ride modes, dual-channel ABS, and in one case, a CNG powertrain that costs almost nothing to run. The ten bikes below represent the strongest picks across different riding needs — compared on real-world mileage, performance, safety, and what ownership actually costs over time.

If you drive every day and sometimes have a pillion, comfort and reliability matter as much as style to you. A family bike is not just a means of getting from one place to another, but an excellent companion for office commutes, taking children to school, shopping for groceries, and weekend trips. The best motorcycle should have a comfortable seat, be fuel efficient, have low maintenance costs, be a reliable vehicle, and still be affordable to buy.

There's no fixed minimum CIBIL score for a personal loan in India, whatever the ads might have you believe. Most lenders want to see 725 or above. But that's only part of the story, before anyone actually decides anything, they're reading your income, your job stability and the EMIs you're already paying.

Mr. Anand Sachdeva just received his year-end bonus from his company. Instead of utilising the entire money, he wanted to clear a certain amount of his personal loan.