Blogs.

Once your loan is approved, one small decision follows: how the EMI leaves your account each month. The Personal Loan eNACH vs UPI AutoPay choice looks minor, yet the two work quite differently.

In times when you need funds, having a Public Provident Fund (PPF) account already poses a dilemma, as you may wonder whether you should borrow money against your PPF account or apply for an unsecured personal loan. Both borrowing choices, although effective and useful, differ greatly in terms of eligibility requirements, money availability, rate of interest, repayment schedule, and flexibility. 

Not long ago, borrowing meant a branch visit, a folder of photocopies and a wait of several days to hear anything back.

Lost the physical RC, or tired of carrying it around? Knowing how to download RC of vehicle records, car or bike, works the same way: DigiLocker, mParivahan, or the Parivahan portal. How to download bike RC online specifically follows the identical steps. Once it's pulled from the Vahan database, it's legally valid.

A lender puts 10% interest on the offer letter and most borrowers nod and sign. What that 10% is actually calculated on, the original loan amount or the outstanding balance, is the question almost nobody asks.

My neighbour bought an electric scooter last year. Told me it was for the environment. It wasn't, not really, he just got sick of arguing with the petrol pump guy over exact change every single week.

A supplier offering a bulk deal that closes in 48 hours. A festive season three weeks away and the warehouse running at half capacity. A raw material price about to jump and no cash available to buy ahead. These are not edge cases.

Petrol at Rs 103 per litre. A typical service visit costing Rs 900 to Rs 1,800. Tyre replacements every 18 to 24 months.

Two people need Rs. 1.5 lakh. One puts it on a credit card and pays the minimum due each month. The other takes a personal loan at 15% and clears it in 18 months.