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?

Every time you apply for a loan or credit card, four institutions are running a background check. And their opinion matters affect your loan approvals, interest rates, and even credit card limits.