Credit Card Loan or Personal Loan: Which one is cheaper? Nowadays, in the hectic financial landscape, individuals are required to have money at their fingertips, be it in case of an emergency or in case of scheduled expenditures. And two of the most popular borrowing products in India are: Both of them are unsecured, both […]

When you suddenly need money for anything – be it a medical emergency, home repairs, education, travel or even a luxury purchase – two financing options immediately come to mind: Personal Loans and Credit Cards. Both of them provide you the fast access to the finances required, both are unsecured debt (no collateral requirement) and […]

How do most of the individuals check their credit reputation ?  They will check their CIBIL score which is a 3 digit number, have a glance at it, and just move on. But they miss the fact that this is not the complete picture . There is more to it. It’s your CIBIL report, and […]

You must agree that applying for a loan feels pretty straightforward. You choose a lender, fill out a form, submit documents, and wait for approval and your loan get approved. However,  what people miss out is this that the real evaluation starts way long before you fill the loan application to apply for the loan.. […]

Whenever you would have searched online to check your credit score , you would’ve probably come across two terms ,which sound almost identical, Credit score and CIBIL score. Isn’t it? If yes, don’t worry , you are not alone. This is true for most of us and this arises questions such as :  Well the […]

Most of the people in India are familiar with their Cibil score. Few people actually take time to download and read their Cibil report. And that’s an opportunity that’s been lost. Your Cibil report is an extensive report of your entire credit history. It helps illustrate how you’ve dealt with loans, credit cards, EMIs, repayments […]

If you’ve ever applied for a loan or a credit card in India, chances are you’d have heard this question, “What’s your Cibil Score?” While Cibil Score may sound intimidating at first but it is a critical component of financial health that warrants regular attention. A Cibil score should not be a source of concern, […]

While most people understand the importance of checking their credit score, far fewer truly understand how to read their credit report. This gap in knowledge is often the inception of many financial mistakes. Your credit score is just a number. Your credit report, on the other hand, tells the full story about your credit history […]

A few years ago, checking your credit score was a subject for bankers and finance professionals. However, today , by the grace of technology,  it’s something every person can easily do. Whether a salaried employee, a self-employed person or somebody who is  just starting in their career, should track their credit score regularly and understand […]

Building a good credit score is one of the most important financial moves that anyone who is starting their journey in credit makes in India. Whether you’re thinking of taking any personal loan, applying for a credit card, buying a bike on EMI or later in life, you might want to take a home loan, […]

Your CIBIL score is one of the most important numbers in your life, as far as financial life is concerned. Whether you’re applying for. a personal loan, credit card, home loan or even instant loan from an NBFC, lenders will check your credit score to decide: A high CIBIL score above 750 means quick approvals, […]

A personal loan is really fast and easy to get in India. Lots of people apply for loans every year. They use these loans for all sorts of things like bills, trips, education, paying off other debts or buying something big. People like loans because they can get the money quickly. This is helpful when […]

Over the past years, India has experienced an enormous increase in the number of instant loan applications that suggest quick cash, paperless application, and 0% interest. Although most of these websites are entirely legitimate and collaborate with NBFCs that are registered by the RBI, more and more fake, fraudulent, and scam loan apps have also […]

Sometimes it is enough to just manage finances, and when it comes to buying a big ticket, debt consolidation, or covering large bills, say, home improvements, business acquisition, or an emergency, it might be time to consult a professional. Joint personal loans come in there. They can give two individuals a viable means to borrow […]

Today, emergencies don’t wait. Whether it be your bike breaks down, your phone stops working, you have a medical emergency at home, or you happen to find a deal you can’t miss that is limited time only, you need money now. The good news? No need to go to the bank, fill out lengthy forms […]

Nowadays, in the digital-first world, gadgets are no longer a luxury; they are an essential. Devices like smartphones that keep us connected, laptops that make us work, tablets that help us learn and smart watches that reveal our health condition are all necessities in our day-to-day lives. However, as prices have been increasing annually, it […]

Life is not always going to go according to plan. Sometimes you get hit with a sudden medical bill, urgent repair to be done in the house or a wedding expense, or you want to upgrade your house or take that long-awaited trip. For instance, when you have not got enough money in savings, how […]

Taking a loan is easy. Repaying it smartly? It is where the majority of people fail. Personal loan, credit card loan, education loan or home loan is one thing, but when EMIs start taking a bite out of your monthly pay, it all counts. What most borrowers do not know, though, is that: You should […]

One of the strongest financial figures in your life is your CIBIL score. Be it in a personal loan application, in the application for a credit card, in the purchase of a car, or even in the negotiation of a lower interest rate, this three-digit score can influence virtually every lending decision of banks and […]

One of the most popular types of financial products in India is personal loans. Their speed, flexibility, little paperwork, and use in almost anything make them attractive to almost anything – medical emergency, marriage, travel, home improvement, or even debt consolidation. However, even being so popular, there is a lot of mythology, half-truths and old-fashioned […]

Personal loans have been a popular source of finance among Indians since they need to finance a wedding, an emergency, a home, travel, or even school. Conventionally, these loans were obtained by most borrowers who would approach the banks. But in recent years – and particularly in 2025 – the tide has changed. There is […]

The festival season in India is one of the most colourful seasons. Raksha Bandhan and Onam to Durga Puja, Diwali, Christmas, and New Year – the months of August through January are full of festivals, shopping, travelling, gifts, and family reunions. There are also costs associated with celebrations. These include festival shopping, house renovation, gadgets, […]

It can also be easy to take a personal loan in India, as all one has to do is fill out the form, attach the paperwork, wait until the loan is approved, and get the money. Nevertheless, a major process that is usually overlooked is the verification of the employer. Be it a professional working […]

Personal loans may come in handy when you require urgent money, in case of an emergency, large ticket items, marriage, house renovation or travelling. However, in the long run, an increase in interest, increasing EMIs or financial pressure can burden such loans. It is at this point that it is possible to consider the Personal […]

Economic crises can hardly declare their presence. A doctor bill, home repair, urgent need to go on a trip or even a lack of money till the end of the month, anything can mess up your budget. Two products that bring immediate relief when money is tight includea salary advance and a personal loan. The […]

In 2026, the dilemma of NBFC versus a bank when it comes to taking a personal loan may be quite overwhelming–they may provide similar products, but the experience, interest rates and approval procedure may as well differ greatly.  This is a perfect example of an intelligent and 2026 update comparison that will aid in choosing […]

The weddings in India are not only events but are also full of emotions, traditions, and memories. It could be a grandiose destination wedding, a traditional affair or a small, intimate party, but one thing stands out: Indian weddings are costly. Since arranging the venue and catering are not expensive, and jewellery, decor, dresses, photography, […]

Debt may silently sneak into your life – a credit card bill this time, a consumer loan that time, a purchase made with BNPL that you have forgotten, and before you realise, you are paying several EMIs with different interest rates and different due dates. You are not alone, should this sound familiar to you. […]

Personal loans have evolved as one of the prominent financial tools for Indians. For every small or big need, be it home renovations, or medical emergencies, or going on a trip to educational needs, or marriage expenses, or even to manage some unexpected expenses, people are looking forward to personal loans . But when you […]

Missing out on the personal loan EMI is more common than one thinks. Being delayed in work, having a medical need, an unexpected bill, or missing a simple oversight may mean you are skipping a payment. However, whereas one missed EMI may present a benign impression, it can incur several serious consequences in terms of […]

Introduction: Why Medical Emergency Personal Loans Matter. Health emergencies don’t come with a warning. An unexpected hospitalization, surgery, an accident, or a critical disease can result in unexpected expenses running into lakhs. For a lot of Indians, especially those without health insurance or with inadequate savings, being able to handle such expenses is a very, […]

When financial needs arise be it in the form of education, home renovation, medical emergencies, business requirements or travel iterations wherein choosing the right lender makes the world of difference. India’s personal loan market has witnessed a massive growth thanks to digital banking, RBI-regulated NBFCs and fintech platforms such as CreditMitra which makes it easy, […]

Self-employed professionals, freelancers, shop owners, traders and independent consultants are one of India’s most robust backbones of the economy. But when it comes to availing a personal loan, this is a segment that often faces more challenges when compared to salaried employees. Irregular income, lack of formal proof, and fluctuating cash flow of a business […]

A Complete Guide for Hassle-Free and Instant Approval Getting a personal loan in India has been made easier than ever. Whether choosing to apply through Net Banking, an NBFC or through a digital first lending platform, the documentation process has become a matter of a few minutes and is also done 100% online. Still, most […]

For most salaried employees in India today, financial stability doesn’t necessarily involve having too much money in savings. Unexpected expenses – medical needs, home repairs, travel, education or even unexpected bills can come at any time. That’s where Personal Loan for Salaried Employees comes in to be the perfect financial cushion. These loans are fast […]

Smart ways of minimizing your EMI and saving money. One of the commonest types of credit in India is personal loans: they are fast, adaptable and fully collateral-free. Whether it may be for medical emergencies, to renovate the home, travel, marriage costs or to consolidate your debts, personal loans offer financial relief on the spot. […]

Getting a personal loan today is easier than ever before what with digital lending and instant loan apps. But what if you don’t have a salary slip or bank statement – two documents to which most lenders say they like to see? It is not an isolated case as you imagined. Many people in India […]

Introduction: The Rise of Instant Personal Loans in India Over the past few years, instant personal loans have revolutionized the way the Indians borrow money. With just a smartphone, Aadhaar, and a bank account, you can receive funds in minutes – be it for some medical emergency, travel booking, urgent home repairs, or any other […]

Introduction Easy cash Mobile-first loan applications have become a common practice in India. Be it to pay off medical bills, fix a home, travel, or simply to cover cash flows. There are dozens of applications that are promising instant approval, the minimum of documentation, and money within minutes, but which one is the correct one? […]

Introduction Personal loans have turned out to be one of the simplest methods of handling an emergency, large-scale buying, or budgeted expenditure. Before you apply, though, you should know the eligibility requirements of a personal loan – lenders scrutinize your salary, age, credit rating, employment, and financial health before granting you a loan. This guide […]

Introduction: Personal Loans in 2026 What is Changing? The personal loan is one of the financial products that has come out to be a savior to the young population who is digitally active in India. Personal loans are getting popular in India, taking the fast route to close financial gaps and in a convenient manner, […]

The most significant thing to do when you take a personal loan is to understand your EMI (Equated Monthly Instalment). Borrowing to travel, emergencies, marriage, and even to consolidate your debts, by calculating your EMI, you can have an idea: Here are the steps of how to find the personal loan EMI, the formula and […]

One moment, everything is normal and the next moment, a sudden accident, illness, robbery, or natural disaster can wipe out your savings. That’s why there is general insurance on the market to remain financially protected, in case things go wrong. Most people, however, find general insurance confusing. There are too many terms, too many options, […]

The unpredictable nature of life means that one day you are fine, the next you have an accident, an illness or you lose your job or have an emergency that empties all your savings. This is precisely the purpose of insurance – to cover you, your family and your money. Yet, most Indians either do […]

When most people hear the word mutual funds, most immediately think of the stock market, high risk, high reward, lots of uncertainty. However, there is a whole range of funds that are geared towards stability and low risk. It is known as Debt Mutual Fund, and it is becoming one of the most popular investment […]

If you’ve ever heard someone say that he invested in a mutual fund and his money was growing, yet he did not do anything, you might wonder, Is that really that easy? Good news: Yes, it can be. Mutual funds are some of the most commonly used investment habits in India particularly to those investors […]