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  1. Business News
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personal loan

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Why Personal Accident Insurance is a Must-Have Addition to Your Health and Term Plans
Take personal accident cover as a rider in your health or term plan

Personal accident insurance provides a vital financial cushion through lump-sum payouts for disability or death.

January 16, 2026 22:43 IST
RBI's new rules for personal loans, gold collateral, capital raising: THESE changes to come into effect tomorrow
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 up to Rs 50,000?
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?
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
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?
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
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?
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
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?
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
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 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!
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?
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
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From low attrition to high productivity, Macquarie lists 5 reasons ICICI Bank stands out 
From low attrition to high productivity, Macquarie lists 5 reasons ICICI Bank stands out 
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Macquarie Research has found that ICICI Bank stands out among large private banks due to lower attrition rates, disciplined hiring, and stronger employee productivity. The bank has also shown improvements in employee metrics and has a more stable workforce. Hiring restraint and increased employee productivity have allowed for more output from existing staff.

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