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Blog Collection

How to Change EMI Date of Personal Loan?

Updated on Wednesday, September 30th, 2026 | By

How to Change EMI Date of Personal Loan?

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…

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Category : Personal Loan

Is insurance mandatory for Personal Loan? – Importance, benefits & tips

Updated on Tuesday, September 22nd, 2026 | By

Is insurance mandatory for Personal Loan? – Importance, benefits & tips

The short answer to “is insurance mandatory for personal loan” is NO. Personal loan insurance is generally an optional protection product, not an automatic condition for taking an unsecured loan. However, a lender may offer a loan-protection or credit-life policy with the application, and the terms can differ between products. If a lender presents insurance…

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Category : Personal Loan

Personal Loan Co-Applicant: Need and Impact on Eligibility

Updated on Thursday, August 14th, 2025 | By

Personal Loan Co-Applicant: Need and Impact on Eligibility

Taking a personal loan can be a quick and convenient way to meet urgent financial needs, be it for medical expenses, education, home renovation, or even debt consolidation. However, not everyone meets the eligibility criteria set by banks and NBFCs. In such cases, having a co-applicant can significantly improve your chances of approval. Let’s break…

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Category : Personal Loan

Can I Take a Home Loan and Personal Loan Together?

Updated on Thursday, August 14th, 2025 | By

Can I Take a Home Loan and Personal Loan Together?

Buying a house is one of the biggest financial goals for most individuals. However, sometimes the cost of setting up the house — interiors, furnishing, relocation, or emergency expenses — might go beyond the home loan amount sanctioned. In such cases, many wonder: Can I take a personal loan along with a home loan? The…

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Category : Personal Loan

Impact of FOIR on Personal Loan

Updated on Thursday, August 14th, 2025 | By

Impact of FOIR on Personal Loan

When applying for a personal loan, several factors come into play — your credit score, income, employment stability, and repayment history. But there’s one crucial metric lenders consider that many borrowers are unaware of — FOIR or Fixed Obligations to Income Ratio. It plays a significant role in determining your personal loan eligibility. In this…

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Category : Personal Loan

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