loan

I need to politely reject a loan request for a 1.5L loan request from my cousin. He keeps on pestering me to take a personal loan on my name from ICICI with the promise of consistent repayments. He has already borrowed 4.3L from me and I don't wanna give any further. I just want to politely...

I have received the following email from Fi this morning. Flat 10.5% p.a looks attractive. Did anyone use this before? What are the probable hidden charges and things I should be expecting?

Few months ago I was in need of a instant loan. I have CCs from Axis and ICICI. I couldn't find such a offer from their apps. After one month I got the offer of instant loan of credit card and I took it though the need was mostly met. But now I am getting frequent calls from their end . They...

Jupiter is rebranding their on demand Salary feature and calling it Mini Loan. That makes me wonder whether if they will launch Max Loan as well? I mean, HDFC has something called Jumbo Loan, so why not.

I have a car loan with HDFC bank for 5 years and have completed around 30 months. To reduce the overall tenure, I made a pre part-payment for the loan but have not received any acknowledgement from the bank on the receipt even though the amount is debited from my account. Is there any one who...

Hi all, I missed my ECS for the Hdfc loan on the Hdfc account. My mistake. I thought it had sufficient balance, But it didn't. But, Right away I paid manually through pay outstanding EMI and Charges in the loan section and it was right away shown in my loan section as paid and I don't see any...

For those who have applied Education loan (or) have paid off one recently, there's a scheme called CSIS for Edu loans. The basic gist is Central government will pay you back the total interest charged by the bank for the total period till you have graduated (+ a maximum of 1 year depending on...

Hi all. Some years back I had taken an education loan from a national bank. Though I was late in repaying a few instalments, I repaid back all the amount due and closed that loan account in December 2021. I took an NOC from the bank declaring that the all dues were cleared and they were closing...

Greetings, fellow forum members! I've recently been scouring the forum in search of information on the prevailing interest rates for business loans offered by various banks. Unfortunately, I haven't come across any comprehensive details on this matter. If any of you have up-to-date knowledge...

This recent documentary from the BBC is a good watch. Share with your family and friends to create awareness, especially youngsters. It is so sad to see so many are naive and dumb.

Hi, In my CIBIL report, I see that a CITIBANK Loan/Overdraft account was reported from Citibank. It is shown under "Closed Accounts" -> Loans -> Overdraft Please refer the attached screenshot with this post. Whereas, I have never opted for any Loan/Overdraft account from Citibank in the last...

The following incident occurred with one of my close friends at Anand, Gujarat branch. My friend intended to apply for a loan to purchase land for building a house. Since a home loan couldn't be obtained for land purchase, HDFC presented him with the following options: 1. 35% of the loan amount...

I Have a Pre-approved ₹2,23,000 IDFC First Money Credit Line something different from Personal Loan Instant ∙ Zero paperwork ∙ Zero pre-payment penalty ∙ Withdrawal as many times as you like Flat 1% processing fee per Withdrawal @ 17% monthly reducing interest per annum EMI upto 48 Months...

I have a question, if I have a house worth 23 lakhs, can I take a loan on this house without salary slip and ITR, if yes, how much and what will be the interest rate?

Here's my advice (that no one asked for but someone may need) based on how I started with my credit card journey. Note my CIBIL is 802 and I have no secured loans such as home or car loans. Just credit cards, which are unsecured. Here's how I started and how I'll say everyone who is starting...