Credit score below 500 is considered very poor by most credit rating agencies. It suggests a history of defaults, missed payments or simply a lack of credit history. Traditional banks, which typically favour low-risk lending, are unlikely to extend personal loans...
When the Reserve Bank of India announced a 100 basis point cut in the Cash Reserve Ratio (CRR) alongside a 50 basis point reduction in the repo rate, the immediate narrative that dominated headlines was simple: liquidity infusion. But beneath this surface-level move...
Many people in India who don’t like risks usually invest in fixed deposits. The rate of interest paid on fixed deposits is fixed, whereas the risks with mutual funds come from the market. Because FDs are made for a long stretch, individuals might still need to...
With increased digital banking facilities, investing in FDs are made more accessible than ever. Today, a wide range of applications let the users compare the FD rates, invest instantly and manage the deposits at the comfort of smartphones. This article explores the...
Buy Now, Pay Later (BNPL) has become one of India’s fastest-expanding fintech solutions. Promising convenience and affordability, it allows the consumer to purchase goods or services immediately and pay later in installments — frequently interest-free. For most...
Many investors who are planning for future returns often choose between Fixed Deposits (FDs), Public Provident Fund (PPF) and Mutual Funds. Almost all investment options offer their own pros and cons which fit different types of financial aims. You need to understand...
You walk into your local electronics store and purchase that new smartphone, and instead of paying the total amount at once, you split it into four payments using only a QR code to check out. This is happening in hundreds of India’s small cities right now, not just in...
Vikas finally lands a job of his choice at his dream company, with a salary that is enough not only to enjoy a decent life, but also to save a portion of it for the future. However, saving decisions don’t come easily as investment is still not a common norm in India....
The personal loan sector in India has grown immensely over the last 10 years fueled by digital lending platforms, consumer culture, and credit accessibility. Growing concerns over unsecured lending, overleveraging and delinquency risk, especially for younger,...
In recent years, Indian investors have shown growing interest in flexible, low-cost investment options that promote regular savings and long-term growth. Among these, Systematic Investment Plans (SIPs) and Exchange-Traded Funds (ETFs) have gained significant...
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