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UPI has changed the way Indians do their financial transactions. As an instant payment system, UPI allows users to send money, request money and transfer funds across multiple bank accounts using just a mobile number or UPI ID. These transactions are done through various UPI apps like PhonePe, Google Pay and BHIM app which provide instant and secure payment solutions. The digital payments industry has grown rapidly with industry leaders and innovators driving the adoption of UPI and related technologies. In June alone, UPI processed over ₹24.03 lakh crore in transactions, for everything from utility bills to loan EMIs. But with increased usage comes increased risk of UPI fraud which has gone up significantly in recent times.

Did you know that 67% of Indians have taken a personal loan to meet their funding requirements? A primary reason behind this is that they are quick and easy to apply and have no end-usage restriction, giving you the freedom to utilise the fund for anything.

From learning a new language to booking a haircut at home, there’s an app for everything today. Need groceries? There’s an app. Want to meditate? There’s one for that too.

Shania has a personal loan with an EMI due on the 7th of every month. This time, life got in the way. She missed the payment and finally cleared it on the 15th. But when she checked her account, the amount was higher than usual. The culprit? A small but significant addition called a penal charge.

How often do you use UPI without a second thought?
Maybe it’s a quick QR scan at the grocery counter, paying bills online, sending money home in seconds, or splitting a dinner tab with friends. For most of us, it’s a reflex now. Fast, simple, and always just a tap away.
 

You’ve probably seen ads promising free credit score checks. But is it really free? Or will you end up signing up for a trial you didn’t need?
Your credit score affects how easy the process will be for you to get a personal loan to fund a family emergency.
 

Side hustlers may see orders flowing in for a week, while the next could bring them an emergency like a laptop repair, inventory maintenance, or late client payment.

The traditional path to securing a personal loan has long relied on salary slips, income tax returns, and extensive bank statements. But what if you’re a freelancer, gig worker, or small business owner whose income doesn’t fit neatly into these conventional categories? Enter the evolving world of UPI-based lending, where your Unified Payments Interface transaction history becomes an additional tool for financial access.

WhatsApp is an application that needs no introduction. It is one of the most popular messaging platforms in India and worldwide.
As of today, it's being used for more than just personal communication; you can shop via the app, get customer support, and receive important notifications.