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Unified Payments Interface (UPI) has completely transformed how India handles and pays money...

The way we make payments has changed dramatically over the past few years. Initially, we used cash, and this was not an easy experience for anyone who hated doing mental math.

Then came the switch to plastic money, i.e, your debit and credit cards. A significant upgrade, but still involved the faff of pulling the right card out of a slot, which barely had space for your fingers to fit into

We share expenses all the time, from brunches and weekend trips to cab rides, OTT subscriptions, and even quick grocery runs. But the minute the bill arrives, confusion begins. Who owes what? Who paid last time? Who still hasn’t settled? 

We trust UPI for everything today, from QR scans to monthly bill payments. So, when you spot a strange transaction or send money to the wrong person, your heart skips a beat.

You’re all set to sign the dotted line of your personal loan agreement. The prospect is thrilling.  
But let’s hit pause before we get the ink flowing. It’s vital to have clarity in this moment.
 

Ravi opened a fixed-deposit savings account last week. His friend Priya added money to hers around the same time. Both put in ₹1,00,000, but with two different banks.

UPI has become the mainstay of all transactions in the country. So much so that a lot of people have even stopped carrying physical money with them.  That said, as is the case with all technology, no matter how good, sometimes things go wrong, and UPI is no different. 

If you have ever opened your CIBIL report and wondered what those numbers like 000, 030, or 090 are trying to say, you are not alone. Most of us focus on the credit score and miss the one detail lenders quietly study first: Days Past Due.

Many borrowers feel stuck with high monthly instalments, long repayment schedules, or interest rates that no longer suit their financial goals. However, this situation is more common than the borrowers realise.