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Press ReleaseMonthly Archives: September 2026
Summary A personal loan can fund an AC purchase even when the buyer does not have a credit card. The borrower pays the seller after the loan is approved and the funds are disbursed; EMIs are then paid to the lender. Compare the total repayment, fees and tenure with any consumer-durable loan or cardless EMI…
Summary Ask the lender whether it allows an EMI date change and what steps apply to your loan. Keep paying on the existing due date until the lender confirms the change in writing. Check whether the new date affects interest, the auto-debit mandate, the repayment schedule or any charge. Managing a personal loan efficiently goes…
Summary The right card should suit the holder’s everyday spending, budget and comfort with managing repayments. Check the annual fee, interest, rewards and security features before applying. Age, income and credit requirements differ by bank and card. Being over 65 does not automatically make someone ineligible. Choosing a credit card after retirement is less about…
Summary A UTR (Unique Transaction Reference) number is a unique identifier assigned to a financial transaction. It helps banks track, verify, and authenticate fund transfers. Customers can use the UTR number to check transaction status or report transaction-related issues. Digital banking has made fund transfers through UPI, NEFT, RTGS, and IMPS quick and seamless. However,…
Summary In your early earning years, a savings account can help build financial discipline and an emergency fund. During your 20s and 30s, balancing saving and spending becomes important as you manage career growth, lifestyle goals, and family responsibilities. Between your mid-30s and 50s, a savings account can support wealth creation, emergency preparedness, and major…
