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Blog Collection

Legal Action Against Personal Loan Defaulters in India 2026

Updated on Thursday, October 15th, 2026 | By

Legal Action Against Personal Loan Defaulters in India 2026

Summary A missed EMI does not automatically make someone a wilful defaulter. Continued non-payment can affect your credit report and future borrowing ability. Lenders can take lawful recovery action, but harassment and threats are not allowed. Speaking to the lender early may help you understand the available repayment options. Missing a personal-loan EMI can be…

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Category : Personal Loan

4 key differences between Personal Loan vs Education Loan

Updated on Thursday, October 15th, 2026 | By

4 key differences between Personal Loan vs Education Loan

Summary An education loan is meant for eligible academic expenses, while a personal loan can be used for many needs, including course-related costs. Education loans generally offer a longer repayment window and a moratorium period. Personal loan EMIs usually begin soon after disbursal. Your admission details, course and co-applicant matter more for an education loan….

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Category : Personal Loan

No Credit Card? Here’s How You Can Buy an AC on EMI with a Personal Loan

Updated on Wednesday, September 30th, 2026 | By

No Credit Card? Here’s How You Can Buy an AC on EMI with a Personal Loan

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…

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Category : Personal Loan

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

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