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Blog Collection

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

Calculate Your Personal Loan EMI Using Excel

Updated on Friday, August 22nd, 2025 | By

Calculate Your Personal Loan EMI Using Excel

A personal loan is a convenient way to manage financial needs, whether it’s for medical emergencies, wedding expenses, home renovations, or even debt consolidation. However, before taking a loan, it’s crucial to understand the monthly repayment amount or EMI (Equated Monthly Installment). While online EMI calculators are available and convenient to use, using Excel gives…

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Category : Personal Loan

Signature Loan vs Personal Loan – Know the Differences

Updated on Thursday, August 28th, 2025 | By

Signature Loan vs Personal Loan – Know the Differences

Loans are an essential financial tool, helping individuals meet diverse needs—from funding a wedding to handling an emergency. Among the various types of loans available, Signature Loans and Personal Loans are two popular options. While both are unsecured loans that don’t require collateral, they differ in eligibility criteria, interest rates, and usage flexibility. Understanding the…

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Category : Personal Loan

Difference Between Repo Rate and Reverse Repo Rate

Updated on Monday, August 25th, 2025 | By

Difference Between Repo Rate and Reverse Repo Rate

In the financial landscape, interest rates play a crucial role in maintaining economic stability. Two such important rates set by the Reserve Bank of India (RBI) are the Repo Rate and the Reverse Repo Rate. These rates impact borrowing costs, liquidity, and inflation, influencing various financial products, including personal loans. Understanding these rates is essential…

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Category : Personal Loan

Flat Interest Rate Vs. Reducing Balance Interest Rate

Updated on Friday, August 22nd, 2025 | By

Flat Interest Rate Vs. Reducing Balance Interest Rate

When applying for a personal loan, one of the key factors to consider is the type of interest rate applied to your loan. Two common methods banks use for calculating interest are the flat interest rate and the reducing balance interest rate.  The experience you have with your loan can depend largely on the type…

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Category : Personal Loan

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