Most people in India use digital banking daily. We compare loan offers. We evaluate FD interest rates. We switch apps for better savings returns. Yet very few actually understand one core concept: the difference between APY and APR.
Like many of us, Mohan found himself in need of quick financial support to give his home a fresh new look. Similarly, Geeta wanted to go on a much-awaited family vacation. And guess what?
QR codes are everywhere today, from shop counters and café tables to fuel stations and even on utility bills. What began as a small digital convenience has become one of India’s most trusted ways to pay.
Two people and a government are in need of money. Rohan wants ₹3 lakhs for their wedding. Mohit wants ₹50 crores to expand their business, and the government needs ₹10,000 crores for an infrastructure project.
Rohan was in a financial pinch. His car broke down two weeks before his salary day. His cousin said, “Just take a personal loan.” His colleague said, “Why don’t you get a salary advance loan?” Both sounded like smart options.
If there’s one figure that almost every Indian takes seriously, it’s the CIBIL score. And why not? It affects our eligibility to access credit.
That said, awareness around CIBIL score rules is still questionable. Even today, nearly 50% of Indians refrain from checking their score because they believe it would lower their score.
If you need funds urgently, Google your options. You will most likely come across these two terms: mini loans and personal loans. While they may look the same, they are actually different options.
UPI's immense convenience and real-time transaction capability make it the most preferred payment method today. In August 2025, UPI recorded 20 billion transactions worth INR 24.5 lakh crores.
In addition to the retail niche, UPI is making its convenience known in the financial services sector as well, with features like UPI AutoPay. UPI AutoPay automates your recurring payments—EMIs, subscriptions, etc. —improving payment convenience a notch further. Let's understand that in more detail.