Author: Nisha Chawla

Travelling can be exhausting, especially when you have to spend long hours at the airport. Crowded waiting areas, expensive food, and lack of privacy can make the experience stressful. But what if you could relax in a comfortable airport lounge with free food, Wi-Fi, and a peaceful seating area? Many credit cards in India offer free airport lounge access, making your travel smooth and enjoyable. Nowadays, several banks provide this benefit, either with unlimited access or a fixed number of free visits per year. Some cards also offer international lounge access, which is a great perk for frequent travellers. However,…

A personal loan is a quick and easy way to get funds when needed. Whether it’s for a medical emergency, wedding, home renovation, or travel, a personal loan helps you cover expenses without pledging any security. But while applying for a personal loan, most people only focus on the interest rate. However, banks and financial institutions also apply various other charges, which can increase the overall cost of the loan. If you don’t pay attention to these hidden costs, you may end up paying much more than expected. Let’s understand the different charges on personal loans and how they can…

Taking a personal loan can be a great financial solution when you need funds for emergencies, home renovation, medical expenses, or other needs. However, the interest rate on a personal loan plays a crucial role in determining your repayment amount. If you manage to get a loan with a low-interest rate, you can save a significant amount of money in the long run. Many people struggle with high-interest rates because they don’t know how to get the best deal from lenders. The good news is that with a few smart strategies, you can secure a personal loan at a much…

Managing credit card bills can be challenging, especially when the amount is large. If you are struggling to pay off your credit card dues, there is a solution. Most banks offer the option to convert your credit card outstanding balance into easy Equated Monthly Instalments (EMIs). This helps you pay back the amount in small, manageable chunks instead of one big payment. In this guide, we will explain how you can convert your credit card bill into EMIs, the process involved, benefits, and important things to keep in mind. What Does Converting a Credit Card Bill to EMI Mean? When…

Buying a house is a dream for many, but home loans can be a long-term financial commitment. Over time, if interest rates drop or better offers are available, transferring your home loan to another bank or financial institution can help save money. A home loan transfer is a process where you shift your existing loan from one lender to another for lower interest rates, better terms, and reduced EMI. What is a Home Loan Transfer? A home loan transfer, also known as a home loan balance transfer, allows borrowers to shift their outstanding loan amount from their current lender to…

Gold has always been one of the most valuable and preferred investment options in India. Whether for weddings, festivals, or as a financial asset, Indians have a deep connection with gold. However, many people notice that gold prices in Dubai are lower than in India. This often raises the question – why is gold cheaper in Dubai? Let’s understand the key reasons behind this price difference and also check the current 24-carat gold price in Dubai. 1. Lower Import Duty on Gold in Dubai One of the biggest reasons why gold is cheaper in Dubai is the lower import duty.…

Owning a home is a dream for many people in India. But with skyrocketing real estate prices, it becomes difficult to buy a house with just savings. This is where home loans come into play. Banks and builders advertise easy EMI schemes, making it look simple and affordable to buy a home. However, many homebuyers later realize they are caught in a financial trap, with delays in possession, increasing EMIs, and legal troubles. How Home Loan Schemes Turn Into a Nightmare 1. The Illusion of Easy EMIs Many banks and financial institutions promote home loans by offering lower initial EMIs.…

Emergencies can come at any time, and a personal loan is often the best financial support during such times. The good news is that getting a personal loan has become much easier than before. With digital banking and financial services, you can now apply for a personal loan online and receive approval within hours. If you are looking for a quick personal loan without much hassle, here’s everything you need to know about the process, eligibility, and factors that can speed up your approval. What is a Personal Loan? A personal loan is an unsecured loan, meaning you don’t have…

Buying a home is one of the biggest financial decisions in life. Since real estate prices are high, most people take a home loan to fulfill their dream of owning a house. However, home loans come with various charges that can increase the overall cost of borrowing. It is important to know about these charges before applying for a loan so that you can plan your finances better and avoid unnecessary expenses. Here are some of the major charges associated with home loans that you should be aware of. 1. Application Fee: The First Expense You Pay Before processing your…

Education loans are a lifeline for students aiming to pursue higher studies but face financial challenges. Whether it’s a professional course, an advanced degree, or studying abroad, education loans can help cover tuition, accommodation, and other costs. Here’s a detailed guide on applying for an education loan, including eligibility, documents required, and its benefits. What is an Education Loan? An education loan is financial aid provided by banks and financial institutions to help students cover the cost of their education. These loans cover expenses like tuition fees, hostel charges, travel, and additional costs related to academics. Students can repay the…