financial performance

Ravi opened a fixed-deposit savings account last week. His friend Priya added money to hers around the same time. Both put in ₹1,00,000, but with two different banks.

For any borrower, submitting a personal loan application marks the end of a process. But in reality, you’re merely passing on the baton to the lender. It’s the cue for a series of behind-the-scenes journeys. You have eligibility checks, KYC verification, loan approval workflows, and finally, disbursal. There’s a whole flurry of activity.

UPI has become the mainstay of all transactions in the country. So much so that a lot of people have even stopped carrying physical money with them.  That said, as is the case with all technology, no matter how good, sometimes things go wrong, and UPI is no different. 

If you have ever opened your CIBIL report and wondered what those numbers like 000, 030, or 090 are trying to say, you are not alone. Most of us focus on the credit score and miss the one detail lenders quietly study first: Days Past Due.

Think of it as your EMI discipline scorecard. A small delay today can shape tomorrow’s loan decisions. So let’s decode it in the easiest, most practical way..

Most people think about personal loans only when an expense appears that their savings cannot comfortably handle. In those moments, understanding how a personal loan works becomes essential.
This guide clearly explains the meaning, purpose, and benefits of personal loans, helping you decide when they are a practical choice. Read on!