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April 30, 2024
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Personal Loan Archive
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Vidya Lakshmi Education Loan
May 12, 2023
Vidya Lakshmi Education Loan Scheme is a government initiative to provide financial assistance to students pursuing higher education. Under this scheme, loans are provided to students from different banks and financial institutions across India. The project was launched under the Pradhan Mantri Vidya Lakshmi Karyakram, an initiative to improve literacy…
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Personal Loan for NRI 2024
March 09, 2023
Most people in the country consider relocating abroad for higher education, better economic opportunities, or the desire to start a new life. Adapting to an entirely new living environment in a new country has its own challenges and obtaining financial aid when in an unknown country can give you hard…
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Bank Guarantee: Complete Process and its Types
December 21, 2022
A Bank Guarantee is a promise from a bank or NBFC to repay a customer's debt if the customer defaults on its obligations. This type of guarantee can be useful for businesses that need to borrow money or obtain lines of credit. By providing it, the bank can help reduce…
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Gold Loan Interest Rates
December 05, 2022
Many financial institutions in India allow the recipients of the loan to raise funds by pledging their gold reserves as collateral. The gold loan interest rates vary from 7% per annum to 29% per annum. The applicant can avail of a loan of up to Rs 1.5 Crores. And the…
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Best Personal Loans in India 2024
October 31, 2022
Personal loans have been identified as the most availed of products in the debt market in India. The technology-driven fourth industrial revolution has made the research and application process to obtain loan amounts from financial institutions fairly easy and convenient. According to studies, around 78% of credit requests are hinged…
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Personal Loan Types and Interest Rates
October 15, 2022
The Indian banking sector boasts different Personal Loan types to cater to the diverse set of financial requirements of the customer base. The bank offers its funds to borrowers without any security, making it a popular financial product. The interest and loan amount varies significantly based on the applicant’s profile…
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A Definitive Guide to Statutory Liquidity Ratio (SLR)
October 04, 2022
The economy of every country majorly depends on banks and hence, each country has a monetary authority that regulates how banks operate. In India, we have the Reserve Bank of India (RBI) as our principal monetary regulator operating at a national level. But the question is - how does this…
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Personal Loan Tax Exemptions & Details
July 02, 2022
Time and again, personal loans have proven to be a reliable safety net for any financial need. The unsecured loans are easy to avail of with minimal eligibility criteria and a swift documentation process. The Income Tax Act 1961 does not consider personal loans as an income, so they are…
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Pointers to Keep in Mind to Choose Personal Loan Tenure Wisely
January 13, 2022
Are you going through financial turmoil and need instant access to corpus funds to emerge from a financial crisis condition? Thinking of asking your relatives for a favour? Don’t! To meet the requirement, you can borrow a personal loan instead and that too at the lowest interest rates from financial…
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Pointers to Keep in Mind While Availing Personal Loan
January 13, 2022
Life is unpredictable, and you might need to meet financial obligations irrespective of the time. The veracity of such situations is you can’t prepare yourself ahead of time to deal with them. Although, if the situation is about fulfilling immediate financial obligations, count on a personal loan. However, the unsaid…
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