Author: Nisha Chawla

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…

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…

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…

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…