Author: Nisha Chawla

Studying abroad has become a common dream for Indian students and their families. Over the years, this dream has only grown bigger. As per government data, more than 13.3 lakh Indian students were studying overseas by the end of 2024. Countries like the USA, UK, Canada, and Australia are among the top choices. But foreign education comes with high costs, and not every family has enough savings to manage it. This is where education loans come into play. Education loans are now seen as a way to bridge the gap between ambition and affordability. With tuition fees, hostel charges, travel,…

Personal loans have become a normal part of today’s financial life. People take loans for various reasons — marriage, travel, home renovation, or even to manage urgent medical bills. These loans are easy to apply for and usually don’t need any security or collateral. But what happens if a person who took a personal loan dies before repaying the EMIs? It’s a situation many families face unexpectedly. The borrower is no longer around, but the loan remains. The bank or financial institution still wants its money back. In such cases, it becomes important to understand what the law says, how…

In today’s world, where EMI, credit cards, and digital lending are part of daily life, your credit score acts like a financial report card. Whether you want a home loan, a personal loan, or even a credit card with good limits, the lender will always check your credit score. The higher your score, the better your chances of loan approval at a good interest rate. This makes it very important to understand what factors affect your credit score. Many people know that repaying EMIs and credit card dues on time improves credit scores. But what most people ignore is —…

Everyday banking is an essential part of life—whether it’s depositing money, taking a loan, or using digital payments. But what happens when things go wrong? Sometimes, banks delay services, charge unfair fees, or behave rudely. Many customers don’t know where to complain or how to get a proper resolution. This article will help you understand how to raise your voice the right way if you’re facing a problem with any bank—whether public sector, private, cooperative, or even a foreign bank operating in India. The process is legal, free, and transparent. Start With the Bank’s Internal Grievance System Lodge a Complaint…

क्या आप भी बैंक के चक्कर लगा-लगा कर थक गए हैं? चाहे ATM से पैसे न निकलना हो, अनावश्यक चार्जेस लगाना हो या लोन प्रोसेस में देरी, अगर बैंक आपकी समस्या का समाधान नहीं कर रहा है, तो आपको शिकायत दर्ज करने का पूरा अधिकार है। इस आर्टिकल में हम आपको बताएंगे कि बैंक की शिकायत कहाँ और कैसे करें, ताकि आपका मामला जल्दी सुलझ सके। पहला कदम: बैंक की शाखा में शिकायत दर्ज करें अगर आपको बैंक सेवाओं में कोई समस्या आ रही है, तो सबसे पहले बैंक की शाखा में लिखित शिकायत दर्ज करें। कैसे करें शिकायत? नोट: बैंक को 30 दिनों के अंदर जवाब देना होता है। दूसरा कदम:…

In today’s fast-paced world, financial emergencies can arise unexpectedly. Instant loans without documents have emerged as a convenient solution, allowing individuals to access funds quickly without the traditional paperwork. But how reliable and safe are these loans? Let’s delve into the details. ​ What Are Instant Loans Without Documents? ​ Instant loans without documents are short-term personal loans that require minimal to no physical documentation. These loans are typically processed online through digital lending platforms, leveraging technology to assess creditworthiness and disburse funds swiftly. ​ How Do They Work? ​ Benefits of Instant Loans Without Documents​ Eligibility Criteria​ While requirements…

In today’s fast-paced lifestyle, credit cards have become a lifeline for many. They offer unmatched convenience, from booking flights and shopping online to handling emergency medical expenses. But sometimes, those big spends feel heavy when the bill arrives. This is where credit card EMI (Equated Monthly Instalment) options come into the picture. Most banks and credit card providers now allow users to convert large purchases into easy monthly instalments, making repayment feel lighter. It sounds simple, but is it truly beneficial? Is it a smart financial decision or just another debt trap in disguise? Let’s understand what it means to…

आज कल बड़े शहर में हर किसी के बटुए में एक-दो नहीं बल्कि तीन-चार क्रेडिट कार्ड तो आम बात हो गई है। शॉपिंग से लेकर रेस्टोरेंट बिल, कैब बुकिंग से लेकर ऑनलाइन EMI तक—हर जगह ये प्लास्टिक कार्ड हमारी ज़िंदगी का हिस्सा बन चुका है। लेकिन क्या आपने कभी सोचा है कि ये कार्ड कब बंद करना चाहिए? और अगर करना है तो कैसे करें ताकि आपके क्रेडिट स्कोर पर बुरा असर ना पड़े? चलो, आज इस लेख में उसी की बात करते हैं—अपने देसी दिल्ली स्टाइल में। पूरी जानकारी, बिना घुमा-फिरा के, एकदम सीधी बात! 📌 सबसे पहले समझिए:…

आज के समय में पर्सनल लोन (Personal Loan) वित्तीय आपात स्थितियों में सबसे उपयोगी सहायता हो सकता है। चाहे मेडिकल इमरजेंसी हो, घर की मरम्मत हो या फिर बच्चों की पढ़ाई का खर्च, पर्सनल लोन तुरंत पैसा उपलब्ध कराता है। लेकिन क्या आप जानते हैं कि सिर्फ दस्तावेज जमा कर देने भर से लोन अप्रूवल नहीं मिलता? इस आर्टिकल में हम आपको बताएंगे कि पर्सनल लोन कैसे लें और लोन अप्रूवल के लिए दस्तावेजों के अलावा किन बातों का ध्यान रखना चाहिए। पर्सनल लोन लेने के लिए जरूरी दस्तावेज (Basic Documents for Personal Loan) पर्सनल लोन के लिए आमतौर पर निम्नलिखित दस्तावेजों की आवश्यकता…

Buying a house is one of the biggest financial decisions in life. And when you are planning to take a home loan, even a small difference in interest rate can affect your monthly EMI and total repayment amount. The good news is that in April 2025, several public sector banks in India have reduced their home loan rates, making it easier for home buyers to get loans at cheaper interest. After the Reserve Bank of India (RBI) reduced the repo rate by 0.25% for the second time in a row, many banks followed the trend and revised their loan rates.…