Your go-to resource for financial wellbeing

Loan Consolidation

Online debt consolidation loans let a borrower merge multiple EMIs into one loan entirely through a website or app, with identity verification done over video instead of at a branch. The application, documents, and approval can all happen from home.

By Mohit Juneja | 21 August 2026

Loan Settlement

A one time settlement scheme for NPA accounts lets a bank accept a reduced lump sum from a borrower to permanently close a loan that has already turned bad, marked as a Non-Performing Asset, or NPA. Banks run these under a Board-approved policy, inside a framework RBI issued in 2023, and many push harder around financial year-end.

By Mohit Juneja | 21 August 2026

Reduce My EMI

No-cost EMI is a marketing term used for EMI offers where the customer is presented with little or no separate interest cost. In credit-card EMI transactions, the economics may involve an upfront merchant/card-issuer discount or other arrangement that offsets the interest. The financing cost may still exist economically, even when the customer doesn't pay a separate interest amount. interest component.

By Mohit Juneja | 20 August 2026