In​‍​‌‍​‍‌ December 2025, India saw the volume of UPI transactions exceeding 21.6 billion, a clear indication of the increasing dependence on digital payments. The digital payment market in India witnessed a very rapid growth, and UPI turned out to be the most convenient and fastest mode of money ​‍​‌‍​‍‌transfer.

The majority of borrowers don't consider verification unless it causes delays. When you apply for a loan, you submit the necessary paperwork, wait for approval, and then proceed. The same requests are made in a different application years later. That repetition feels routine until it causes delays or confusion. 

Whenever someone asks for your UPI ID, your mind suddenly fills with questions. You start thinking about whether sharing it is safe and whether something could go wrong with your bank account later. Even though you use UPI almost every day, that small fear still shows up because money is involved, and no one wants to make a mistake. 

UPI may feel unavoidable today, but it is not the only way to move money in India. People regularly face situations where UPI simply doesn’t work; apps fail, banks restrict transactions, or payment limits get in the way. 

UPI​‍​‌‍​‍‌ has truly revolutionised our lives in terms of money management. It has made payments, transfers, and bill settlements so fast and easy that it has taken away all the hassle.

Loans are approved based on risk. When a lender feels uncertain about a borrower’s repayment capacity, they often look for additional assurance. This is where another individual may be asked to step in, not as a borrower, but as a backup.

Taking out a loan isn't just about the amount you borrow.  It is also about how affordable your monthly repayments are. A small decision, like choosing between a fixed interest rate or a floating interest rate, can make a significant difference in your finances over the years. 

Ravi applies for a loan and gets rejected because his credit score stays low. The reason confuses him because he never borrowed money before. Without past loans or repayments, the system has nothing to evaluate. 

You’re filling out a bank form. Or setting up a UPI payment. Or writing a cheque. Suddenly, you see the word payee. And pause. Who exactly is the payee? Is it you...