Author name: admin

Loan Offer Shown, But Amount Reduced at Checkout – Why? When applying for personal loans through the internet, there is often a seemingly confusing situation whereby the personal loan amount is high, only to be reduced by the final stages. The situation sometimes appears as a form of frustration to many borrowers; such borrowers might […]

Why Your Credit Score May Change Suddenly Credit scores have the most pivotal position among all financial aspects of a person. A number of individuals have the habit of checking their credit score on a regular basis, only to notice a rapid rise or fall in it. This happens to most individuals, mainly when they

Bank Timing Changes 2026: Impact on Customers & Borrowers The banking industry in India is gearing up for yet another change in operations. Following years of growth in digital banking, and changes in customer behavior, initial reports have emerged of changes to banking opening and closing times, set to come into action from 2026, with

Are Zero-Interest Loans a Trap? The 2025 Fine-Print Explained Are Zero-Interest Loans Really Free Money? “Take a loan and pay back only what you borrowed!” This line sounds exciting, especially in 2025 where more lenders, NBFCs, fintech platforms and digital banks are promoting zero-interest loans. But here is the real question. Are zero-interest loans truly

Can BNPL Affect Your CIBIL Score in 2025? The Fact Behind Fiction by The ‘Buy Now Pay Later’ market in India is growing rapidly and has, over the past few years, become one of the most preferred payment options among young earners, first-time credit users, and online shoppers. BNPL gives the comfort of buying a

How Loan Recovery Should Happen Legally – RBI Rules 2025 Personal loans have emerged as one of the most popularly availed financial products in India. Quick approval, minimum documentation, and an unsecured nature make personal loans efficient in providing emergency financial support for weddings, education, travel, or any other unexpected expenses. However, personal loans involve

How Loan EMI Bounce Charges Work: A Complete Guide for Borrowers Loan EMIs were designed to make the repayment of loans easy, predictable, and stress-free. Whether it is a personal loan, business loan, home loan, or any other type of credit, a borrower relies on monthly EMIs to plan his finances smoothly. But should an

Understanding the Role of NBFCs Under the PMLA Act The financial scenario in India is changing rapidly, and NBFCs have emerged as one of the strongest pillars of the credit system in this country. Be it a personal loan, instant loan, business loan, or consumer finance, NBFCs offer flexible, quick, and easy financial solutions to

CIBIL vs. Experian vs. Equifax: Which Credit Report Matters Most? Introduction Whenever one applies for a personal loan, credit card, or home loan, lenders take into consideration not just your income but also your credit history. Your credit history is maintained by credit bureaus, organizations tracking how well you have managed borrowed money in the

Digital KYC and eMandate – Simplifying Borrowing in 2025 Introduction: The New Face of Borrowing Indeed, those days are over when the task of applying for a personal loan was associated with bank branch visits, piles of paperwork, and days waiting for verification. Digital KYC and eMandate are the two digital innovations that have completely