Disclosures under Regulation 62 of the SEBI LODR

Big life goals don’t always wait until you’ve saved enough. A wedding date, a course admission, or a chance to buy your first home can come with fixed timelines. Many people today use personal loans to handle these milestones, spreading costs into easy EMIs instead of delaying plans.

Rajiv had to deal with an unplanned cost and applied for a personal loan. Since his credit score ratings were good, the process was quick and the terms were comfortable. A co-worker with a weaker score had a different experience, facing delays and extra checks before approval.

Adulting isn't easy in 2025. A single event, such as a wedding, an urgent house repair, or a medical bill, can cause even the finest financial plans to collapse due to taxes, EMIs, rent, investments, and other daily costs.

Did you know that EMI repayment leaves a financial trail behind you? It highlights your financial habits.

When planning a major expense to achieve your life goals, what is your first choice: using your savings or taking out a personal loan?