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Many people assume that filing an Income Tax Return (ITR) is mandatory to apply for a personal loan. While several lenders may request an ITR as part of their documentation process, some may offer a loan without ITR to eligible applicants by assessing alternative proof of income and repayment capacity.

You see the rate. You see the EMI. What sits between them is the bit most people never quite work out. So here is how is interest calculated on personal loans, with the formula and a worked example.

A personal loan is one of the most commonly used ways of borrowing money for any type of cost, be it anticipated or unexpected. Be it a medical emergency, wedding, traveling, household renovation, school tuition, consolidating debts, or other expenses, an unsecured personal loan can help borrowers whenever they need.

Are you also planning to take a personal loan? But do you know the personal loan maximum limit in India?

There's no fixed minimum CIBIL score for a personal loan in India, whatever the ads might have you believe. Most lenders want to see 725 or above. But that's only part of the story, before anyone actually decides anything, they're reading your income, your job stability and the EMIs you're already paying.

Life has a way of throwing unexpected costs your way: a sudden medical bill, an urgent home repair, or even a temporary loss of income. An emergency fund is money set aside specifically to cover these situations, helping you avoid financial stress and reducing the need for high-cost borrowing when things go wrong. This guide covers what an emergency fund means, why it matters, how much you should ideally save, and practical steps to build one over time.

Mr. Anand Sachdeva just received his year-end bonus from his company. Instead of utilising the entire money, he wanted to clear a certain amount of his personal loan.

Have you ever received a message stating that you’re pre approved for a personal loan? If so, chances are that you were intrigued by the offer - after all, unlike typical loan applications, these offers are made based on a lender’s evaluation of your financial profile, making the loan application process faster and simpler.

You might have seen article headlines about the RBI "cutting" or "keeping" the repo rate, with such articles often describing loans becoming cheaper or more expensive. What does this mean in terms of your finances?