personal loan

RBI’s new rules for personal loans, gold collateral, capital raising: THESE changes to come into effect tomorrow

Under the new guidelines, banks are allowed to reduce the spread on floating-rate loans, even if the three-year lock-in period…

September 30, 2025 13:52 IST

gold loan, NBFC, banks, personal loan, loans, jewellery, money

The gold loan trap: How your family’s jewellery is silently disappearing

Families pledge bangles and chains thinking it is only for a while. One renewal leads to another, until the jewellery…

September 4, 2025 05:00 IST

Holiday loans are sold as convenience, but they are really a trap that eats into your future. (This is an AI generated image)

The holiday loan trap: How your dream vacation becomes a financial nightmare

One swipe for tickets, one click for hotels, one small EMI for meals abroad. That is how holiday debt creeps…

Updated: August 18, 2025 18:08 IST

The "Pre-Approved" Illusion: How Algorithms Nudge Borrowing and How to Master Financial Decisions. (Image Source: Canva)

The hidden truth behind your ‘pre-approved’ personal loan offer

The pervasive “pre-approved” loan offers from NBFCs and banks, often feeling like personal solicitations, are in fact sophisticated algorithmic profiling…

July 28, 2025 05:30 IST

Small loans, big trouble: Why are young Indians defaulting on small loans?

Recently, data shared by CRIF and Digital Lenders Association of India (DLAI) has revealed a worrying picture. According to them,…

April 22, 2025 13:49 IST

Gold Loan vs Personal Loan: Which is better for small amounts?

Both options come with their pros and cons. You may decide based on your requirements of funds and how quickly…

March 23, 2025 11:17 IST

Loan Options for Senior Citizens: How to secure financing in retirement

Several banks and financial institutions offer specialised loan options for senior citizens to meet their financial needs. Here we take…

March 19, 2025 11:45 IST

Pre-Approved Personal Loans: A smart financial move or a risky bet?

Designed for people with a strong credit profile and reliable repayment history, pre-approved personal loans provide instant access to funds…

March 10, 2025 15:43 IST

PNB revises interest rates across loan products! Check new rates for home, car and personal loans

The revised rates apply to a wide range of products, including home loans, car loans, education and personal loans, ensuring…

February 20, 2025 13:30 IST

Simple Interest vs Reducing Balance: What’s the better choice for your loan?

While the Reducing Balance method is generally more customer-friendly, the Simple Interest method might work for those who prioritise simplicity…

February 11, 2025 13:16 IST

Can you change current loan from floating rate to fixed interest rate and vice versa? Check RBI's FAQs

Can you change current loan from floating rate to fixed interest rate and vice versa? RBI issues guidelines

The RBI’s recent FAQs clarify whether borrowers can switch between fixed and floating interest rates on EMI-based personal loans, providing…

Updated: January 12, 2025 15:46 IST

First-time borrower? 10 important tips for you to understand loan management

There are different types of loans available to suit various needs of borrowers. These include personal loans, home loans, business…

November 20, 2024 15:25 IST

Soft vs Hard Credit Enquiries: What should you know before applying for a loan?

Credit enquiries play a crucial role in determining your credit score and can influence your ability to secure loans, credit…

September 28, 2024 10:38 IST

How to manage multiple loans without getting financially affected

Do you have multiple loans or are you caught in a debt trap? If yes, then consider the following tips…

August 21, 2024 11:46 IST

Ola users can now apply for personal loans of up to Rs 10 lakh directly through Ola app

Ola users will now have the convenience of applying for personal loans via the Ola app of up to Rs…

August 16, 2024 15:23 IST

Loan transfer might cost you MORE than you think! Find out how to avoid hidden charges and save big

Borrowers usually opts for transfer or refinancing of their loans when they receive a better offer from another bank. This…

May 7, 2024 10:07 IST

Simplifying Loan Interest: What is reducing balance method?

Understanding loan interest can be tricky, but the reducing balance method offers an easy way to calculate and manage interest…

April 29, 2024 09:30 IST

bank loans, personal loans loans, banking

Personal loan origination volumes rise 22% in October-December

he report showed that there is a shifting borrower preferences towards smaller-ticket loans during the festive season with average ticket…

April 26, 2024 05:45 IST

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The man who made Prestige a household name

Business46 min ago

TTK Group, best known for its Prestige pressure cookers, faced a crisis in the 1970s when their products started exploding in kitchens. The solution came in the form of a simple innovation- drilling a hole in the lid to release excess steam. This safety feature, invented by the late TT Jagannathan, helped the company regain trust and become a billion-dollar enterprise.

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