Author: Nisha Chawla

Emergencies can come anytime—unexpected hospital bills, urgent home repairs, last-minute travel, or even sudden business needs. In such situations, arranging money quickly becomes a top priority. Most people think about credit cards or personal loans when they need funds fast. But there’s also a lesser-known but powerful third option—a credit line or line of credit. In this article, let’s explore how all three options—credit card, personal loan, and credit line—work, their pros and cons, and how to choose the right one depending on your situation. 💳 What is a Credit Card and When is it Useful? A credit card is…

पर्सनल लोन आज की तारीख में सबसे लोकप्रिय वित्तीय समाधानों में से एक है, जो आपको आपातकालीन जरूरतों, शादी, यात्रा, या घर की मरम्मत के लिए तुरंत नकदी मुहैया कराता है। लेकिन क्या आप जानते हैं कि पर्सनल लोन की अवधि कितनी हो सकती है? यह सवाल इसलिए महत्वपूर्ण है क्योंकि लोन की अवधि आपकी मासिक EMI (ईक्वेटेड मंथली इंस्टॉलमेंट), ब्याज दर, और कुल चुकाने वाली राशि को प्रभावित करती है। अप्रैल 2025 तक, बैंकों और NBFC (नॉन-बैंकिंग फाइनेंशियल कंपनियों) ने अपनी पॉलिसियों में बदलाव किए हैं, जो लोन अवधि को लेकर नए विकल्प पेश करते हैं। इस लेख में…

Personal loans have become one of the most preferred financial products in India. Whether it’s a medical emergency, home renovation, travel, wedding, or even debt consolidation, personal loans offer instant liquidity without asking for any collateral. But while most people focus on the loan amount or the interest rate, there’s one crucial factor that often gets overlooked: loan tenure. In simple terms, loan tenure is the time period within which you’re supposed to repay the loan. It can significantly affect your monthly installments (EMIs), total interest paid, and your overall loan experience. So, how short or how long can a…

क्या आपके पास क्रेडिट स्कोर नहीं है, लेकिन आपको तुरंत लोन की जरूरत है? यह सवाल कई लोगों के लिए परेशानी का सबब बन जाता है, खासकर जब अप्रैल 2025 में आर्थिक अनिश्चितताओं और बढ़ती जरूरतों के बीच लोग आपातकालीन वित्तीय सहायता की तलाश में हैं। पारंपरिक तौर पर, बैंक और NBFC (नॉन-बैंकिंग फाइनेंशियल कंपनियां) लोन देने से पहले क्रेडिट स्कोर की जांच करते हैं। लेकिन, क्या आप जानते हैं कि बिना क्रेडिट स्कोर के भी आप लोन प्राप्त कर सकते हैं? जी हां, यह संभव है! इस लेख में हम आपको बताएंगे कि बिना क्रेडिट स्कोर के तुरंत लोन…

Planning a vacation can be one of the most exciting things in life—but it can also bring financial stress. From flight tickets and hotel bookings to visas and shopping, the costs can add up quickly. For many people, using their savings may not feel right, especially when there’s a better option available—taking a personal loan for travel. Nowadays, travel loans have become a popular choice for those who want to explore the world without touching their long-term savings. Companies like Bajaj Finserv offer travel loans with flexible repayment options, fast approval, and minimal paperwork, making your travel dreams much more…

In India, taking loans has become a common way to fulfil personal or professional goals. Whether it is a home loan, education loan, car loan, or personal loan—borrowers often face financial challenges, leading to delayed or missed payments. While banks and NBFCs (non-banking financial companies) have the right to recover dues, they must follow proper legal and ethical procedures. Unfortunately, many loan recovery agents overstep the line and try to use pressure tactics, including unannounced visits to homes or workplaces. But the big question is: Can loan recovery agents come to your house or office? Are they legally allowed? And…

अपना सपनों का घर खरीदने के लिए होम लोन लेना एक आम बात है, लेकिन कई बार वित्तीय जरूरतें बढ़ने पर लोग सोचते हैं कि क्या होम लोन के साथ पर्सनल लोन भी लिया जा सकता है? यह सवाल आज के समय में बहुत महत्वपूर्ण हो गया है, खासकर जब अप्रैल 2025 में ब्याज दरों और आर्थिक परिस्थितियों में बदलाव की संभावना है। होम लोन और पर्सनल लोन दोनों ही अलग-अलग उद्देश्यों के लिए लिए जाते हैं, लेकिन इन्हें एक साथ लेने के नियम, फायदे, नुकसान, और सावधानियां समझना जरूरी है। इस लेख में हम आपको बताएंगे कि क्या यह…

Buying a home is a big decision, and most people take out a home loan to make it possible. But when it comes to extra expenses like registration, interiors, or repairs, your savings may fall short. That’s when many people think of taking a personal loan to cover those additional costs. But can you take a personal loan if you already have a home loan? The answer is yes, but it depends on a few important things like your credit score, income, and ability to repay. Let’s understand how personal loans and home loans can work together, what you need…

For many people in India, the idea of financial freedom often feels like a faraway dream. When friends or relatives talk about setting their life, they casually say things like, “If I had Rs.10 crore, I would be tension-free,” or “Rs.50 crore would be enough to retire early and live peacefully.” But the big question is — do you really need that much money? In recent years, more people have started thinking seriously about financial freedom. But even today, most are confused about how much is actually enough to live a stress-free, comfortable life without working forever. Some want to…

In India, your creditworthiness is measured by your CIBIL score—a three-digit number ranging from 300 to 900. This score plays a critical role when you apply for a loan or credit card, as banks use it to decide whether to approve your request and on what terms. The higher your score, the better your chances of getting credit easily, with lower interest rates. But have you ever wondered why no one seems to have a perfect score of 900? Even the most financially disciplined individuals rarely get this number. What makes this score so elusive? Let’s understand in detail. What…