Personal Loans Offers: Types and Best Deals in India
Personal loan offers are tailored deals from banks, NBFCs, or fintech apps that make borrowing easier and more affordable. These offers often include competitive interest rates, processing fees, flexible repayment options, or even pre-approved loan amounts based on your credit history. The right personal loan offer can reduce your borrowing cost and give you quicker […]
NBFC Personal Loan Interest Rates in India
NBFC stands for Non-Banking Financial Company. These institutions provide financial services such as loans, credit facilities, and investments, but unlike banks, they do not hold a banking license or accept demand deposits. Instead, NBFCs focus on making credit more accessible, especially for people who might find it difficult to get loans from traditional banks. An […]
Annual Percentage Rate vs Interest Rate: Key Differences Explained
What Is the Interest Rate? The interest rate is the basic cost of borrowing money, which is the percentage of your loan amount. When you take a personal loan, the bank or NBFC charges you this rate for lending the money. For example, if you borrow ₹1,00,000 at a 12% annual interest rate, you will […]
What Is Revolving Credit in Personal Loans?
Revolving credit is a type of borrowing where you are given a credit limit that you can use, repay, and reuse as needed. Unlike a one-time loan, this credit “revolves,” meaning you can borrow multiple times without reapplying. A common example is a credit card or an overdraft facility on a bank account. For instance, […]
Loan for Down Payment: How to Fund Your Home Purchase
What is a Loan for Down Payment? Buying a home is one of the biggest financial decisions in life, but arranging the down payment often feels like the hardest part. A loan for down payment is essentially a financial product, usually a personal loan, that helps buyers cover the upfront portion of the property cost […]
What is Personal Loan Enquiry and How It Impacts Approval?
Before a lender gives you money, they need a quick “health check” of your credit. That check is called a personal loan enquiry. In simple terms, it’s the act of pulling your credit information to assess risk. There are two kinds: soft enquiries and hard enquiries. Soft enquiries like checking your own score or a […]
Cross Cheque: Meaning, Types, Importance Explained
What is a Cross Cheque? A cross cheque is a type of cheque that cannot be directly encashed over the bank counter. Instead, the amount is credited only into the bank account of the payee. You can identify a cross cheque by two parallel lines drawn on the top left corner of the cheque. Unlike […]
Digital Arrest Fraud: What You Need to Know
“Digital arrest” is a cyber scam where crooks pretend to be police, CBI/ED, TRAI, or bank officials on phone or video calls. They accuse you of a fake crime (like money laundering or SIM misuse), flash forged IDs or “warrants,” and threaten arrest, account freeze, or media exposure unless you follow their orders. The goal […]
Top AI Tools for Finance in 2025
Finance teams are moving from manual spreadsheets to AI-assisted systems. Think of AI as an always-on teammate: it reads heaps of documents, flags odd entries, drafts first-cut reports, and answers questions in plain English. The payoff is faster month-end, cleaner compliance, and more time for planning. These tools plug into what you already use: ERPs, […]
How to File ITR First Time Online: Complete Guide
Filing your Income Tax Return (ITR) for the first time can feel a little intimidating, but it doesn’t have to be. With the government’s e-filing system, the process is now 100% digital, faster, and simpler than ever. Whether you’re a salaried employee who has just started working, a freelancer, or someone earning income from investments, […]
Easy Loans for Onam Decoration & Celebration Expenses
Onam, Kerala’s most vibrant and anticipated festival, is a time for grand celebrations, elaborate feasts, and beautifully decorated homes. But between Pookalam flowers, new outfits, the grand Sadya, and hosting, the bill can creep up. If you want to enjoy the moments, a bit of planning and a quick festive loan can make your celebrations […]
NEFT Vs UPI: Which is Best for Daily Use?
In today’s India, you’ve got two superstar payment options at your fingertips: NEFT (National Electronic Funds Transfer) and UPI (Unified Payments Interface). Both withdraw money securely from your bank account to someone else’s, yet they play very different roles. NEFT is the sturdy highway built for larger, less time-sensitive transfers, while UPI is the lightning-fast […]