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New Year’s resolutions give you the perfect chance to reset, rethink, and realign your finances. Whether 2025 brought growth, challenges, or important lessons, 2026 offers a clean slate to make smarter money decisions. Setting New Year financial goals isn’t about drastic changes it’s about consistent, realistic steps that strengthen your long-term financial health. These financial

As the year draws to a close, it’s the perfect time to pause, review, and realign your finances. A thoughtful year-end financial checklist not only helps you close the current year on a strong note but also sets the foundation for smarter decisions in the year ahead. Whether your focus is saving more, reducing debt,

The Season of Joy… and Overspending Christmas financial wellness is about enjoying the season of celebration without the burden of stress and overspending. Christmas brings twinkling lights, gift exchanges, festive meals, and joyful gatherings with loved ones but it can also bring pressure to spend more, buy bigger gifts, and celebrate harder. Before we realise

Lumpsum vs SIP: Digital gold has made investing in gold simpler, safer, and more accessible than ever. Whether you are a first-time investor or someone looking to diversify your portfolio, digital gold offers the flexibility to invest either as a one-time lumpsum amount or in small, regular SIP installments. But a common question many investors

Uses of gold go far beyond jewellery, wealth, or festive investments. While most people instantly associate gold with ornaments and financial value, it is far more than just a shiny precious metal. Its unique properties such as high conductivity, corrosion resistance, and biocompatibility make it one of the most versatile materials used across various industries.

Same Sona, New Options Digital gold vs physical gold is a common comparison for Indian investors looking for long-term financial security. Gold has always been a symbol of wealth and safety in India. Traditionally, families invested in physical gold such as jewellery, coins, biscuits, and bars. However, in recent years, a modern alternative has emerged

Understanding the advantages and disadvantages of digital gold is important before investing in this modern form of gold. Digital gold has quickly become one of India’s most popular investment options, offering simplicity, accessibility, and transparency. Unlike traditional physical gold, it allows investors to buy small quantities online, track real-time prices in real time, and avoid

When you apply for a loan, credit card, or even an EMI plan, lenders often look at one number before making a decision and that’s your credit score. This three-digit figure tells banks how trustworthy you are as a borrower. Yet, many people still wonder: What is a credit score, how is it calculated, and

Digital gold returns have attracted growing attention as gold continues to be one of India’s most trusted wealth-building assets. With market volatility, inflation, and global uncertainty increasing over the years, many investors now look for options that offer both stability and long-term growth. This is where digital gold investment has gained massive popularity, allowing anyone

What is digital gold? It is a modern way of investing in gold that combines the trust of a centuries-old asset with the convenience of technology. In India, gold has traditionally been bought as jewellery, coins, or bars. Today, digital gold allows investors to own gold online without physical storage hassles. This article explains what

In today’s digital economy, your credit score is more than just a number, it’s your financial identity. Whether you’re applying for a personal loan, a credit card, or even a rental agreement, that three-digit score determines how easily you can access credit. But what if you have no credit history or a low credit score?

Silver has long been considered a safe-haven investment, offering a stable and tangible way to diversify one’s portfolio. With the rise of digital assets, investing in silver has become even more convenient. Digital silver allows you to buy, sell, and hold silver online without worrying about storage or purity issues. But is digital silver a

What is FatakUdaan? Improve your credit score especially if you’ve ever been denied a loan or credit card due to a low or non-existent one. Many first-time borrowers and gig workers in India struggle to access formal credit, not because they can’t repay, but because they haven’t had the opportunity to build a credit report.

Investing in digital gold has become increasingly popular as India’s investment habits evolve. While gold has long been one of the country’s most trusted and traditional assets, rising digital adoption and modern lifestyles have transformed how people choose to invest in it today. Digital gold has emerged as a smart, convenient, and secure option for

Saving money is not about earning more, it’s about managing what you already have. Whether you’re a student, working professional, gig worker, or running a household, effective budgeting gives you clarity, control, and confidence over your finances. If you’re looking for the best ways to save money, these budgeting strategies will help you cut unnecessary

Last Updated: Tracking digital gold prices on a weekly basis is essential for investors monitoring short-term movements and broader market trends. Since digital gold prices in India closely follow physical gold spot rates, this report reflects actual bullion market activity for 24K gold per 10 grams during the week of 15–21 December 2025, along with

Moving to a new city is an exciting chapter, whether it’s for a better job, education, career shift, or simply a fresh start. But relocation comes with multiple hidden and often unexpected costs. From housing deposits to travel, movers, and settling-in expenses, the financial pressure can increase quickly. This is why many people choose an

A personal loan for wedding can help families manage the rising costs of celebrations without stress. A wedding is one of the most cherished milestones in India—a beautiful blend of family, culture, and togetherness. But behind the joy lies one of the biggest financial commitments many families make. With increasing expenses and growing expectations, planning

Start investing in digital gold online and you no longer need to buy bulky coins, jewellery, or bars to begin your gold journey. Gold has always been one of India’s most trusted investment choices, and now you can buy pure, insured 24K gold instantly from as little as ₹10—making gold investing simpler, safer, and accessible

Understanding Personal Loans for Gig Workers Personal loan for gig workers has become increasingly important as gig work such as freelancing, delivery services, content creation, and ride-hailing continues to grow as a mainstream livelihood. Yet, many gig workers still face challenges in securing loans because they don’t have traditional salary slips or fixed employment contracts,

A personal loan for two wheeler purchases can make owning your first bike much easier. Whether it’s for your daily commute, weekend rides, or the freedom of having your own vehicle, buying a bike is a major milestone. But saving for months or paying a large upfront amount isn’t always practical. That’s why many first-time

Weddings in India are grand, emotional and often expensive. From venue bookings and jewellery to catering and photography, costs can quickly add up, leaving many families searching for affordable financing options. This is where the term Pradhan Mantri Marriage Loan has recently gained popularity. But is there really a government-backed marriage loan? What does it

Instant digital borrowing has changed the way India manages money. Today, whether it’s a medical emergency, home repair, travel plan, or month-end cash crunch, many people choose an instant personal loan online because it’s quick, paperless, and available within minutes. But speed should never replace smart decision-making. Before you get instant personal loan approval, it’s

A personal loan to buy a laptop can make your purchase easier because a laptop is no longer a luxury it is a necessity. Whether you’re a student attending classes online, a working professional, a freelancer, or someone building a side hustle, a laptop plays a major role in productivity and skill growth. However, good-quality

Digital gold has become one of India’s most trusted and convenient investment options, especially for beginners who want to start small. With the flexibility of digital gold SIP, users can buy gold in tiny amounts like daily, weekly, or monthly, without worrying about purity, storage, or safety. Monthly SIPs are simple, predictable, and ideal for

Instant personal loans can be a lifeline as freelancing in India grows rapidly, with designers, writers, gig workers, creators, consultants, and tech experts facing unpredictable income cycles. This is where instant loans online have transformed the game. Designed for speed, convenience, and flexibility, they offer freelancers the financial support they often can’t get from banks.

Personal loan for car are becoming a popular choice among buyers because owning a vehicle is a major milestone whether it’s for daily commutes, family convenience, or personal comfort. While many still consider traditional car loans, more smart buyers are shifting to personal loans for the flexibility, quicker approvals, and fewer restrictions they offer. This

Starting a business is exciting, but it also demands money. Whether you’re launching a home-based venture, offering freelance services, or building a small digital business, you’ll need funds for setup, tools, marketing, and operations. While traditional lenders often require heavy documentation, credit history, or collateral, instant loans online have become a practical, accessible solution for

A personal loan for medical emergencies can be a lifesaver because a medical crisis can happen without warning, and when it does, the financial pressure often arrives before the medical bills themselves. Whether it’s hospitalisation, urgent medication, diagnostic tests, or immediate treatment, the costs can escalate quickly. This is why having access to an instant

An instant personal loan for education can be a lifesaver because education is one of the most valuable investments you can make, but it often comes with sudden or unplanned expenses. From exam fees and online courses to skill certifications and laptops, the cost of upgrading your education can quickly add up. This is where

A personal loan is one of the most convenient ways to manage expenses, emergencies, or planned financial goals. But the final cost of your loan depends greatly on one thing, your personal loan interest rate. Understanding what influences this rate can help you make smarter financial decisions, reduce your borrowing costs, and unlock better loan

A personal loan can be a helpful way to manage major expenses, but as time passes, your financial situation, credit score, or income levels may change. When that happens, you might find that your current loan terms no longer suit your goals. This is where personal loan refinancing comes in, a smart strategy that allows

Whether it’s funding a home renovation, covering an emergency, or fulfilling a long-awaited dream, borrowing can be a practical way to meet financial goals. However, choosing between a personal loan and an instant loan can be confusing for many borrowers. Both serve different financial needs and come with unique benefits. Let’s understand how they differ,

Small Loans, Big Impact When people think of improving their financial health, they often imagine large loans or complex investments. But in reality, small instant loans can be one of the smartest ways to build a strong credit foundation. By responsibly borrowing and repaying micro loans, individuals can create a lasting credit footprint, proving reliability,

Your credit score is the foundation of your financial health. A reflection of how responsibly you manage money. Whether you’re applying for a credit card, personal loan, or unsecured loan, a score of 750 or above is the golden number that lenders look for. A higher score means better loan approvals, lower interest rates, and

Why Credit Score Matters More Than You Think Your credit score is more than a number,  it’s your financial reputation. Whether you’re applying for an instant personal loan online, a credit card, or a home loan, this score helps lenders determine how trustworthy you are as a borrower. A good score opens the door to

Have you ever wondered why some people get instant personal loan approval while others wait weeks or face rejection? The answer lies in one crucial number and that’s your credit score. This three-digit number summarises your borrowing behaviour, repayment discipline, and overall financial reliability. For lenders, it’s the first and most important signal of whether

Introduction Your CIBIL score is more than just a number, it’s your financial fingerprint. Whether you’re applying for a personal loan, credit card, or mortgage, this score plays a crucial role in determining your creditworthiness. Many borrowers, especially first-timers, often wonder what a good CIBIL score is, how it’s calculated, and how they can improve

Every year, National Cancer Awareness Day is observed on 7th November in India to spread awareness about early detection, prevention, and treatment of cancer. While awareness about lifestyle changes and screening has grown, one crucial aspect still gets overlooked & that is financial preparedness. A cancer diagnosis not only impacts physical and emotional health but

What is a CIBIL Score? A CIBIL score is a three-digit number that reflects your creditworthiness or simply put, how reliable you are when it comes to repaying loans and credit card dues. It ranges between 300 and 900, with higher scores indicating better financial discipline. Lenders use your CIBIL score to decide whether to

Your credit score is one of the most important numbers in your financial life as it determines whether you get a loan how much interest you’ll pay and even your overall creditworthiness. But thanks to misinformation and half-truths many borrowers still misunderstand how it works. From believing that checking your score lowers it to thinking

Your credit score plays a key role in your financial journey, it’s the number that lenders trust before offering you a loan or credit card. In 2025, with digital lending growing rapidly, understanding the factors that drive your score can help you make smarter borrowing decisions. Let’s break it down: Why lenders check credit score

When it comes to borrowing money, your credit score plays a key role in deciding whether you get approved for a loan and at what interest rate. Many people are aware of the term but often confused about its actual meaning, importance, and impact on their financial health. This guide covers everything you must know

A dream vacation doesn’t have to wait for your savings to catch up. Whether it’s a solo getaway, a family trip, or a long-planned international adventure, a personal loan to travel can make it happen without the stress of depleting your savings. With instant personal loan apps like FatakPay, travellers can now fund their journeys

In today’s world, financial independence is more than just earning, it’s about having access to credit, managing responsibilities, and building long-term security. For women, an instant personal loan can be more than a source of funds, it can also be a stepping stone to a stronger financial future and a better credit score. With the

Finding the best health cover for family members can feel overwhelming, especially with so many insurance options and jargon. But with the right guidance, you can make an informed decision, the one that protects what matters most: your loved ones and future. Below, we break down the main types of insurance plans, highlighting the five

Managing multiple payments like EMIs, SIPs, or monthly bills – can often feel overwhelming. This is where eNACH (Electronic National Automated Clearing House) steps in as a secure and seamless way to automate recurring payments.  Let’s break down what eNACH is, how it works, and why it’s becoming the preferred choice for millions of users.

What is a personal loan? A personal loan is an unsecured loan that allows you to borrow money without pledging any collateral. It’s flexible, can be used for multiple purposes, and is especially useful during festive seasons when big purchases and unplanned expenses can add up quickly. Why is financial planning needed for festive spendings?

Managing money as a salaried professional can be challenging, especially when you’re just starting out. Here are some practical tips for young salaried professionals: How to get a personal loan Today, getting a salaried personal loan is easier than ever. Here are the common routes: Banks vs Digital Personal Apps for Instant Loans Feature Banks

Women in India today are balancing careers, households, and personal ambitions. Whether it’s for professional growth, personal needs, or unforeseen expenses, having access to credit is crucial. A personal emergency loan offers flexibility, helping women manage finances smartly without having to dip into long-term savings or investments. Funding Education Higher education, whether in India or

Travelling solo is a dream for many women. It’s liberating, confidence-building, and often a once-in-a-lifetime experience. But financial constraints can make that dream harder to realise. With the right financial tools, however, solo travel is no longer out of reach. One of the most effective solutions is opting for an instant personal loan, a smart

Accidents don’t knock before arriving, and their impact can be both emotional and financial. While we can’t control when or where an accident might occur, we can certainly prepare for the consequences. FatakPay’s Rudraksh Accidental Insurance, offered under FatakPay insurance solutions, is designed to give you and your family a financial shield against life’s unexpected

At FatakPay, we believe insurance should be empowering, accessible, and genuinely protective. That’s why we created FatakSecure, a suite of affordable, digital-first insurance policies tailored to everyday needs. Whether you’re looking for 1-year health insurance, protection against life’s unexpected medical costs, or specialised cover for critical situations, FatakSecure has you covered. Insurance Policies by FatakPay:

Cancer Insurance: What is Cancer Insurance? Cancer insurance offers a financial lifeline by providing a lump-sum when you are diagnosed with cancer. Unlike standard health insurance, which often only covers hospitalisation, cancer insurance is tailored to meet the costs of treatments such as chemotherapy, surgery, follow-ups, and associated care. It is one of the most

The Festival of Sibling Bonds Bhai Dooj is a celebration of the sacred bond between brothers and sisters, it’s a day of love, blessings, and gratitude. Traditionally, brothers promise to protect their sisters and offer gifts as a symbol of care. But in today’s world, true protection goes beyond material presents, it lies in securing

Every Diwali a familiar relay race begins. A maroon-gold box arrives, you smile politely, and before the diyas cool you pass it to the next unsuspecting relative. Congratulations, you’ve participated in India’s biggest circular economy: Soan Papdi. Meanwhile, the wealth you wished each other in the WhatsApp greeting remains theoretical. This year, retire the re-gift

Diwali, the festival of lights, is synonymous with prosperity, wealth, and the timeless tradition of buying gold. But while physical gold remains a symbol of fortune, modern investors are turning to a smarter, more accessible alternative—digital gold investment. With no worries about storage, purity, or hefty upfront costs, digital gold has emerged as a practical

Dhanteras marks the beginning of Diwali, a day dedicated to wealth, prosperity, and new beginnings. Traditionally, people purchase gold, silver, or valuable assets to invite good fortune. But beyond the rituals, Dhanteras also teaches us powerful financial lessons about financial planning and building long-term wealth. In today’s digital world, that spirit of prosperity translates into

Dussehra is celebrated across India as the triumph of good over evil, with Lord Rama’s victory over Ravana symbolising the power of discipline, courage, and wisdom. But beyond its mythological importance, this festival also carries lessons we can apply in our day-to-day lives, especially when it comes to financial planning. Just as Ravana’s ten heads

What is FatakPay? FatakPay is more than just a digital lending platform. It’s a financial wellness app designed for India’s blue-collar and gig workforce. With features that go beyond instant salary access, FatakPay allows users to start investing in digital gold and silver for as little as ₹10. This accessibility is transforming how workers traditionally

In today’s digital financial landscape, a credit score acts like your financial passport, determining whether lenders trust you with a loan, credit card, or housing. This three-digit number, generated by credit bureaus, reflects your repayment behaviour, debt levels, and financial reliability. It’s essential to understand what this score really signifies and why it plays such

In today’s financial landscape, your credit score is like your financial report card. Whether you’re applying for a personal loan, a new credit card, or even a rental property, lenders and service providers often assess your creditworthiness through this number. But what if your score isn’t great? Don’t worry! Improving your credit score is absolutely

In a country as vast and diverse as India, life moves fast and often on roads where safety takes a backseat. Be it someone riding a two-wheeler without a helmet, a delivery partner navigating traffic under pressure, or a construction worker climbing a scaffold, accidents don’t ask before they strike. Despite this, most people, especially

How to Invest in Digital Gold? Over the last decade, gold and silver have remained popular choices for investors looking to diversify and hedge against economic uncertainty. Both metals offer unique benefits and are influenced by distinct market forces. Let’s analyse how prices have evolved and understand which metal might be better suited for your

Entering the world of investing can be exciting but also overwhelming. With so many platforms, opinions, and options available today, especially for those looking to invest online, it’s easy to get carried away or make hasty decisions. However, with the right guidance and awareness, beginners can build a strong foundation for long-term financial growth. Let’s

For centuries, gold has been a symbol of wealth, security, and stability. Today, with just a few taps on your smartphone, you can begin your journey into gold investment without visiting a jeweller or worrying about storing physical gold. Digital gold investing offers a modern, convenient, and transparent way to buy, hold, and even sell

In 2025, salaried professionals continue to rely on personal loans as a flexible financial tool, whether for medical emergencies, debt consolidation, weddings, or home renovations. But with multiple apps and financial institutions offering instant loans for salaried individuals, it’s important to know how to navigate your options wisely just like understanding how to invest wisely

In 2025, salaried professionals continue to rely on personal loans as a flexible financial tool, whether for medical emergencies, debt consolidation, weddings, or home renovations. But with multiple apps and financial institutions offering instant loan for salaried individuals, it’s important to know how to navigate your options wisely. A well-informed decision can help you manage

Gold has long been regarded as one of the safest forms of investment, especially in uncertain economic times. But in today’s digital world, you no longer need to visit a jeweller or bank to invest in this precious metal. Digital gold offers a secure, convenient, and modern alternative that lets you buy, sell, and store

In a world where financial needs can be unpredictable, a salary advance loan can be a real blessing. Whether it’s for an unexpected medical bill, a sudden travel expense, or to tide you over until your next payday, a fast loan advance provides quick access to funds based on your earned salary. But what exactly

A personal loan can be a financial lifesaver; whether you’re facing an emergency or simply need to bridge a short-term cash crunch. But what if your credit score isn’t ideal? Can you still apply for an instant personal loan? The answer is yes, with a few smart steps and the right lender. Let’s understand the

In a world where everything from groceries to loans is just a click away, the rise of digital lending platforms has been a game-changer. But while small loan apps and online personal loans have made credit more accessible, they’ve also opened the door for fraudsters. If you’re someone searching for immediate loans online, it’s crucial

For many salaried individuals, especially those earning up to ₹35,000 a month, financial planning often revolves around managing monthly expenses, keeping up with the bills, and navigating unexpected situations. In such cases, the availability of an urgent loan can offer temporary relief but only if one understands how personal loans truly work. This is where

Ganesh Chaturthi isn’t just about colourful idols and modaks, it’s an opportunity to reflect on deeper life lessons. As Lord Ganesh embodies wisdom, new beginnings, and prosperity, his stories and symbols offer valuable guidance, not just for the spirit, but for our finances too. At FatakPay, we believe finance is more than numbers, it’s the

At FatakPay, we’ve always believed that financial well-being is more than just numbers in your account, it’s a mindset, a discipline, and sometimes, even a philosophy. And when it comes to timeless wisdom, the Bhagavad Gita has lessons that fit perfectly into today’s financial world. The Gita is more than a spiritual text; it’s a

Emergencies don’t wait, and neither should you when you need funds. Whether it’s a medical situation, home repair, or a sudden travel need, an emergency personal loan can offer immediate financial help. But before you apply, it’s important to understand the key factors that affect your loan approval, interest rates, and repayment. Here are 5

A two-wheeler can be a convenient and economical way to navigate everyday travel whether you’re commuting to work or exploring the open road. If you’re planning to buy a scooter or bike but don’t want to dip into your savings, a personal loan can offer the flexibility you need to fund your purchase with ease.

Dreaming of turning your creative vision into stunning interiors, expanding your business, or taking on a bigger project? A personal loan can be the key to unlocking your plans. From sourcing premium materials to hiring skilled labour, renovating or redesigning spaces can be capital intensive. A personal loan offers a flexible, unsecured financing option to

Gold has long been considered a reliable form of investment, offering safety during market volatility and inflation. But with the rise of fintech platforms, a new way to invest in gold has emerged: digital gold. While traditional physical gold continues to hold cultural and investment value, digital gold is gaining traction, especially among modern investors

For many salaried individuals, especially those earning up to ₹35,000 a month, financial planning often revolves around managing monthly expenses, keeping up with the bills, and navigating unexpected situations. In such cases, the availability of an urgent loan can offer temporary relief but only if one understands how personal loans truly work. This is where

Planning a wedding is exciting but it also comes with a hefty price tag. From décor to catering, venues to outfits, the expenses can add up quickly. If you find yourself needing a little extra support to make your dream wedding a reality, a personal loan can be a viable option.  Here’s a practical guide

When life throws an unexpected expense your way, like a medical bill, an urgent repair, or a travel emergency, a small personal loan online can be a quick and effective financial solution. These loans are designed to be simple, quick and easy to repay. Let’s understand what they are, when you should consider one, and

Life is full of unexpected moments, and sometimes those moments come with unexpected costs. Whether it’s an urgent repair, a medical bill, or an exciting opportunity you don’t want to miss, a personal loan can be a lifesaver. But not all loans are created equal. Choosing the right platform can significantly impact your loan experience,

Emergencies don’t wait, and neither should you when you need funds. Whether it’s a medical situation, home repair, or a sudden travel need, an emergency personal loan can offer immediate financial help. But before you apply, it’s important to understand the key factors that affect your loan approval, interest rates, and repayment. Here are 5

In today’s fast-paced and financially dynamic world, millennials are embracing smarter, more flexible ways to handle money. Among these, instant personal loans and personal loans stand out as powerful tools that can help bridge gaps, unlock opportunities, and even build long-term financial credibility. Digital lending platforms like FatakPay are leading the change, making borrowing not

When it comes to availing personal loans, apart from the private banks and NBFC-backed platforms, the government also offers different initiatives that can help you get personal loans. Some of these initiatives are popular and commonly known, whereas others are not.  Moving forward with this discussion, we will enlist some of the government initiatives that

We are seeing a significant surge in inflation every year, not just in India but all around the globe. The rise in inflation further impacts almost everything, which includes cost of living, the financial sector, and much more. With changing inflation rates, the interest rates on personal loans also change due to the change in

As we enter 2025, it is time to have a look at RBI’s policies and rules to make sure you are updated with their regulations. The Reserve Bank of India has introduced some new rules, which are effective from January 2025. Apart from this, there are some other rules and policies that continue to be

With rising prices, society is currently experiencing a phase of inflation. This inflation has pushed us to make various changes in our lifestyles and some smart choices and decisions.  During an inflationary period, it can become quite difficult to manage all your finances; however, taking out instant personal loans can help you adjust better during

Getting a personal loan is one of the most tiring and time-consuming processes one can ever go through. However, with the advanced technologies and the option of instant personal loans, this process has become quite simplified and quick.  With the help of fintech institutes availing a personal loan or an instant loan online has become

If you have ever found yourself in any sort of financial crisis with the need of emergency funds- you know about the limited options in the market. Many people opt for Payday loans in such scenarios. However, they might not always be the right choice. Payday loans often look attractive but they are far from

Are you looking to apply for an instant loan online but worried about your credit score? Be it a financial emergency or just a regular situation where you need funds instantly to pay the bills or go out shopping, instant personal loans online are available to help you fulfill all your financial needs. Now you

A lot is happening in our everyday lives, managing work, home, health, family, personal time, and finances as well. In between all this, we often miss one or two bills and miss our deadline which can reduce our credit score.  Now you might think that with a low credit score your financial stability might take

Life is unpredictable, you never know when you might get stuck in an emergency and need funds instantly. Hence, it is always said to be prepared no matter what the situation is. But we all know such problems and emergencies can be faced by anyone at any time.  With all the advancements in technology, we

We all are living in a world surrounded by uncertainties. We never know when we might encounter a financial crisis or emergency. Be it travel expenses, bill payments, or something else, it is essential to be prepared for such events.  To ensure we are prepared and fully equipped to handle such events, financial institutions have

We all have dreams and aspire to achieve a lot in our lives. Be it in professional, personal, or financial aspects, these aspirations never die. However, managing finances can become a dreaded task and some of us fall behind in the process of financial planning, responsibilities, and management as well.  Often we fall for the

We are living in a technologically advanced world where everything is available online and instantly. Be it your entertainment, shopping, or even finances, all these can be easily accessed from the comfort of your home. In the finance sector, these advanced technologies have enabled financial institutions to offer instant personal loan at the comfort of

The time of festivities is back again and we all have started our preparations for Diwali. Buying clothes, sweets, and other festive items is just a part of the festival celebrations. However, we often forget about spending limits during making these festival purchases, and there is a risk of constituting debt. To avoid any such

Diwali is one of the most celebrated festivals in India and the most awaited time of the year. It is regarded as an auspicious occasion to make investments or make any other new beginnings. While celebrating Diwali be it lighting up diyas or buying sweets, and gifts for loved ones, one of the major aspects

It is given that for a personal loan apply or any other loan, you must meet the eligibility criteria given by the lenders and the banks. This often consists of a high credit score, essential to the entire loan application process.   However, for people with bad or low credit scores, this can become a problem

With advanced technologies and cut-throat competition every business is trying to get maximum customer attention and offering them enhanced services. For this, several financial institutions and banks are also approaching customers via WhatsApp.   These WhatsApp communications are regarding availing personal loans and other financial schemes. Often such communication is right, but it is not completely

How many times has it happened in life that you need immediate cash/funds but don’t have any? These situations can be overwhelming and overbearing for any individual. To tackle such situations, one can easily apply for an online personal loan and get easy, quick access to funds.   In case of any financial emergency, these online

With advanced technologies and newly developed online platforms, applying for an online personal loan has become simple and easy for all the users. At the convenience of their home, now users can apply for a personal loan, with a minimum documentation and quick processing time as well.   In the overall process of personal loan application,

In India, the financial market is transforming with the integration of advanced technologies. Be it digital platforms or automation, making the process of loan application simple, easy and convenient for the users. Another use of technology is applying for personal loans using aadhar cards. These aadhar card loans are another simple convenience for the users. 

We are living in a fast-paced world, where everything is turning digital and is supposed to be done within minutes. All the processes are transformed into digital processes, making it convenient for the users. These digital processes can be observed in almost all sectors and industries such as banking.  You can now avail instant loans

In the world of personal finances having a solid credit score while applying for a short term loan can help you with the process. For availing these loans, there are various short term loan apps available in the market that you can explore.  One of the leading and trending short term loan apps these days

In today’s digital era, getting instant loans online has become quite a convenient and suitable approach for most individuals. Not only is this a quick approach but is also hassle free for all those who are seeking quick financial solutions. Be it a financial emergency, an investment or any personal expense, these instant quick loans

There are instances when borrowing money is the only option and there is nothing wrong with that. However, making such decisions randomly or in a rush may be a bad idea. Before you apply for a loan, you need to consider various factors in order to make the right choice. Before you start applying, it’s

In the world of personal finance, personal loans are often connected with various misconceptions. These misconceptions can lead to making wrong and uninformed decisions. It is essential to have a deep understanding of all the factors and rid of the misconceptions and myths related to the same. Here in this blog, as we move forward,

Introduction: Praveen receives a salary and pays for all the bills and essentials, but then, at the end of the month, he is out of money. He still needs to buy more stuff, but Praveen had to wait for next month’s salary due to a lack of funds. Somewhere, we have all been in Praveen’s

If by reading the title, you are thinking, ‘What is virtual credit?’ ‘Is it even useful?’ Don’t skip this blog Cause we have covered everything you need to know. Let’s start with an instance: When in the morning you are leaving your house, you make sure that you keep all of your essential stuff. Like

This blog is about Simplify-ing Financial workflow, but before that, let’s create a healthy morning routine with a scenario: You wake up and go to the gym at 7 am. Then, while returning, you have a coffee from a cafe. Next, you buy some vegetables, cook, and eat your breakfast. Last but not least, you

When we go on a trip, we plan everything: when to depart, reach where, what clothes are needed, etc. Everything is so organized, so why not manage your expenses? Financial stability is essential, and making a budget is the best way to help you create financial stability.  Budgeting is a fundamental pillar that you can

There are situations where a significant amount of money is required, such as for home renovations or purchasing a vehicle, and the most desirable loan option in such cases is Equated Monthly Installments (EMI). Using an EMI loan, one can easily make expensive purchases and pay them in affordable instalments.  However, handling such large sums

When considering financial assistance, two common options that come up are advance salary and personal loans. Both options have their pros and cons depending on the situation. If you’re looking for more flexibility and larger amounts, a fatakpay personal loan might be more suitable. The blog offers a thorough side-by-side comparison to empower you to

You must always be mindful of your spending, especially if you wish to save for future financial wellness. You will refill the oil in the vehicle only when it’s required. Then why spend the money when it is not needed? When and where you spend your money affects your future savings; mindful spending can effortlessly

Knowing you have enough money to live freely even after retirement is fantastic. With perfect Tax planning, you can achieve ideal financial wellness. Tax preparation and financial health are essential to ensure your future financial security. It is inextricably intertwined since adequate tax preparation can significantly affect economic well-being. This blog post will examine the

In today’s world of uncertainty, insurance and risk management have become crucial pillars of financial stability for everyone. They act as protective shields against the unknown and unpredictable, providing a sense of security and peace of mind. For both you and corporations, they serve as the foundation of financial stability. In this blog, we will

Who wants to avoid achieving financial wellness? A feeling of contentment and peace of mind comes with having the resources to live your desired life. And investing is the key to unlocking this financial freedom. Whether you dream of buying your own home, funding your children’s education, or luxurious retirement, investing can help you get

Credit Score are more than numbers; they judge your ability to obtain finance. It decides whether you get a 20000 loan on aadhar card, or even an interest rate that is competitive with yours. Nevertheless, many individuals need help comprehending the intricacies of credit scores and how to enhance them. We’ll be exploring the fascinating

Imagine you have started a small business. You want to open a general store in your area, where you could sell basic ration stuff or regular household stuff, but you need a suitable funding solution for your business. Launching costs, controlling cash flow, and funding expansion are some Financial challenges you may face. If you

If you have financial planning, any financial emergency won’t be a problem. For instance, if your car broke down unexpectedly at the end of the month when most people are short on cash, you would already have an emergency fund and be able to fix it immediately without worrying about money, and emergency funds is

The Employee Provident Fund (EPF) is a government-mandated savings scheme designed to provide financial security and stability to employees during their retirement. It is crucial for individuals to regularly monitor their EPF balance to ensure they are on track to meet their financial goals. In this blog post, we will guide you through the process

Senior Citizen Savings Scheme, or SCSS for short, is a government-sponsored savings programme for people over 60. This programme was launched by the Indian government in 2004 with the goal of giving retirees a reliable and secure source of income during their post-retirement years. It is one of the most profitable savings plans in India

Unit Linked Insurance Plans, often known as ULIP, enable you to combine insurance and investing into one product. It gives you a life insurance policy and enables you to profit from the stock market, debt funds, or possibly both, depending on the circumstances. Since its founding in 1971, ULIPS has advanced significantly. The Unit Trust

As the tax-saving season approaches, investors often look for investment options that offer tax benefits and help them create wealth in the long run. Equity-Linked Savings Schemes (ELSS) an investment option offering tax benefits under Section 80C of the Income Tax Act, 1961, and providing an opportunity to invest in equity markets. This blog will

Introduction to TDS: TDS, or Tax Deducted at Source, is a portion of a person’s monthly income that is taxed as soon as it is received.It is applicable to all forms of income and is paid to the Indian Central Government. There are 27 sections under Tax Deducted at Source, each with a particular deduction

Introduction to Digital Signature Certificate: The Ministry of Corporate Affairs (MCA) launched the MCA 21 project with the following goals: Forms should be e-centric, simplified, and online transactions should be encouraged. This is where Digital Signature Certificate comes in. Prior to the execution of this project, the processes for classifying, storing, and retrieving paper-based records

Introduction to TPA: Have you ever had to admit a loved one to the hospital on short notice? Though unpleasant, it is a difficult and inescapable aspect of our lives. You rush to get medical help when accidents happen or incidents occur that require emergency hospital care. Those who have insurance policies can take a

In essence, a loan is money that is lent with the assurance that it will be paid back over time. Your obligation to pay interest on any borrowed funds is established by the lender. coupled with the borrowed main sum. These are several types of loans that are offered in India. Various types of loans:

In today’s blog, we are going to talk about Personal Loans. We will learn in detail about how to take a personal loan. We will also see in what situations you should opt for a personal loan. Personal loan is the most expensive loan. So you should generally avoid it. We will also look at

Quick Recap of Lending: The process of Lending involves an individual, a group (public or private), or a financial institution, which makes funds available to a person or business with the expectation that the funds will be repaid. In Part 1 we covered Lending in the Ancient and Middle ages across various geographies. In Part

Introduction to Lending: Lending is an age-old practice that has been a part of human civilization since ancient times. In the process of Lending, an individual, a group (public or private), or a financial institution makes funds available to a person or business with the expectation that the funds will be repaid. The concept of

Introduction: ETFs and Mutual Funds have quite similar characteristics. Its functionality and related risks vary, nevertheless. To make an informed choice, be aware of these variations.  Mutual funds and ETFs both share some characteristics. But, there are several significant distinctions that define ETFs and Mutual Funds apart. They both possess a wide range of distinct

It is often said that don’t put your eggs in a single basket. People usually interpret this statement as ‘not putting money in a single stock’. That interpretation is not entirely wrong, however, it does miss a crucial point. A better interpretation of this statement is that don’t put your money entirely in the stock

Whether you are young or slightly old , old age is sooner or later gonna affect all of us. Retirement might be a long way ahead, but planning beforehand will make sure that your old age is as smooth as your present age. In this blog, we talk about ways in which you can plan

Ever wondered why banks keep pushing users to sign up for credit cards? Does it make you think whether having a credit card really has its advantages? Let’s venture deeper into the blog to understand The Smart Ways of Using Credit Cards. First let us understand about the term Credit Card and how different it

Insurance is a financial tool that helps protect you from unexpected events. It gives you peace of mind and provides you with the confidence to face a situation if something unexpected happens. Whether it is a car accident, a natural disaster, or a serious illness, insurance can help you avoid financial ruin. At its core,

Money is a funny thing. It can bring us joy and security, but it can also cause stress and anxiety. And while we like to think that our spending habits are rational and logical, the truth is that our emotions and psychology play a huge role in how we handle our money. One of the

Financial security is a key concern for many people in today’s economy. With inflation on the rise and the threat of recession looming, it’s more important than ever to make sure that your financial situation is stable and secure. There are several reasons why financial security is important in today’s economy Inflation: Inflation is a

Do you know where your money is? Are you able to regularly track your expenses? If not, then understanding your Personal Finance will help you manage your funds in a better way. Most people will measure their personal cash flow on a monthly basis. They’ll look at how much they’ve made and how much they’ve

Are you ready to take control of your credit and achieve the financial freedom you deserve? Your credit score is the key to unlocking a world of financial opportunity, from low-interest loans to credit cards with generous rewards programs. But what is a credit score and how is it calculated? Your credit score is a

Financial wellness is an umbrella term that refers to effectively managing your economic life, and it encompasses a wide range of concepts, such as keeping spending within your means, being prepared for emergencies, having access to the information necessary to make good financial decisions, and having a plan for the future. But according to a

If there was a silver lining to the Covid-19 pandemic, it was many of us realizing the importance of taking care of ourselves. At least 80% of the general population started engaging in some form of self-care after the pandemic. The same is applicable to our financial health as well. It was during and after

The health and happiness of its employees are a priority for any company. Therefore, businesses are spending more on employee wellness programs to ensure healthy bodies and minds that, in turn, provide superior output. While the aspect of health has been downplayed in the past, here are some reasons why financial health is essential to

A credit score plays a crucial role in determining your creditworthiness. Whenever you Apply for a personal loan online, banks or Non-banking financial institutions will evaluate your credit score while deciding whether to lend you money or not. The credit score also influences the loan amount to be sanctioned and the interest rate to be

In the world of “buy now, pay later”, it is essential to keep an eye on one’s credit score. Although understanding credit score is simple, it can be scary to see a lower credit score. This article talks about what a credit score is and how you can improve it.  What is a Credit score? 

In the fast-moving world, we live in today, an individual encounters various challenges and tasks. To remain competitive, one has to take the risks that were previously unheard of. These inherent risks taken by individuals call for appropriate insurance at any given point in time. A legal contract signed between two parties i.e., the insurance

Digital transactions are growing at an unprecedented rate not only in this country but the world over. India has seen the fastest rate of digital adoption in the world. In his latest monthly radio broadcast ‘Mann Ki Baat’, Prime Minister Narendra Modi touched upon the topic of cashless and digital transactions in the country. According

In the present day, purchases made by the consumer and deals done by different ventures in business are largely done and dependent on credit. A good bureau score plays a critical role in an individual’s financial life. The complete system, right from the availability of credit to the time taken for a loan application to

bile platform. It was developed by the National Payments Corporation of India (NPCI) and controlled by the RBI. UPI transactions are processed through a Virtual Payment Address (VPA) or the UPI ID.

Aadhaar is the most useful verification tool to authenticate one’s identity. It provides you with the option of biometric (photo, fingerprint) verification. The 12-digit Unique Identification Number (UID) provided by the UIDAI is the safest link for recording any financial proceedings in India. Aadhar verification is necessary when opening a bank account, filing your tax

Aadhaar card has been made mandatory to avail a number of services and to authenticate various documents. In order to avail online facilities related to Aadhaar, you have to register your mobile number with UIDAI that will be used to send the OTP for authentication

Financial products and services must be made available to all the citizens of the country. With the progression of technology, we have seen a larger percentage of the population adopt financial services like payments, transactions, credit, savings, and insurance. According to the statistics put out by the World Bank Group, 1.2 billion adults have been

As we all know, lower income leads to a lower demand for financial services, particularly the products related to borrowing or availing facilities of credit. The ability and the willingness to use credit by the lower income segment is sparse due to a sense of ineptness to take risks. Hence credit must be made available

According to Tom Rath and Jim Harter – financial wellness is “effectively managing your economic life”, the gentlemen are well known for their leadership in workplace wellbeing research at Gallup.  Financial wellness is a derivative of financial security, that is, acquiring the ability to meet your current and future financial obligations. Financial wellness also sometimes

A credit score is a three-digit number that determines the credit worthiness of a person. It is probably the first thing checked by the credit issuer. Credit scores are backed by credit reports which is(are) a working and explanation of the credit history of an individual. These enable financial institutions to check the credit reliability

The demand for credit facilities has increased rapidly with the emerging growth of BNPL i.e., buy now pay later option. It provides easy access to credit since credit cards function on a deferred payment rule, which means that the card can be used in the present and the payment can be made thereafter. Approximately five