Everything you should know in the world of Finance

The entrepreneurial landscape in India is booming with fresh ideas and ambitious ventures. However, lack of funds remains one of the biggest challenges for budding entrepreneurs. With limited personal savings and reluctance from investors (including friends and family members) to invest in unproven business ideas, many promising startups fail to take off.

In life, priorities often shift – you may find yourself wanting to upgrade to a new two-wheeler, simplify your finances, or perhaps relocate to a new city. Whatever the reason, selling your current two-wheeler can become necessary, and with that comes the need to transfer ownership. This often raises the question of whether it's possible to transfer the associated loan to another person.

Gold loans have become an extremely popular way for individuals to access short-term funds in times of financial need. A gold loan is a secured loan where gold jewellery or gold ornaments are pledged as collateral with a financial institution.

With the growth of digital financial services, applying for a gold loan online has become very convenient. In the sections below, we'll discuss the advantages of gold loans in detail.

As a salaried individual, you may face pressing financial needs that require quick access to funds. Medical emergencies, home renovations, wedding expenses, or even debt consolidation needs can arise where you need financing but cannot liquidate your assets quickly. This is where a personal loan for salaried employees comes in very handy.

Business loans are essential for startups and established businesses. For small and medium-sized enterprises (SMEs), they provide the financial boost needed to achieve goals. While loans can provide the necessary capital to start or grow a business, they also come with interest, fees, and repayment responsibility. So, when is the right time to take out a business loan?

In this blog, we will explore the key factors to weigh when making this important choice for your company.

Acquiring funds for a business typically carries interest costs, which vary based on the financial institution and loan structure. For Indian SME owners, identifying the lowest viable rate can save lakhs over a multi-year repayment period. However, interest pricing reflects a complex interplay of external bank policies and internal company factors. Continue reading to understand the business loan interest rates in India and the key factors affecting the interest rate you will get.

Gold loans have become an increasingly popular way for individuals to access quick funds in India. With minimal documentation and fast disbursal, gold loans offer a flexible and affordable borrowing option with the security of gold jewellery as collateral. For financial institutions, properly evaluating the loan amount to the value of the gold ratio, also known as the LTV ratio, is critical to ensuring responsible lending practices. Read on to learn more about the loan-to-value ratio in gold loans.

Getting a personal loan can be a smart financial move when used wisely. With interest rates lower than credit cards and quick access to funds, personal loans offer solutions when you need them most. Understanding why people take personal loans, how they work, and why you may need one empowers your financial decisions. Read on as we explore six rational reasons why people take out a loan.