personal loan

I’m planning to take a personal loan of around ₹15-20L in about a year and want to ensure I get the lowest possible interest rate. Since I don’t have any previous loans, I’m looking for best practices to improve my eligibility before applying. I’ve heard that taking small loans for shorter...

I want to take personal loan of 1 lakh and my salary comes in hdfc account but currently I don't have any pre-approved offer from hdfc. My salary comes in hdfc account but my company don't have tie up with any bank. Should I manually apply for loan online or offline with RM as I have preferred...

Hi All, My wife fell to the victim of a cyber crime for 20 lakhs by availing 20 lakhs instant loan. The incident happened on Aug 2024 and I have raised a complaint to the cyber crime brank and FIR is also issued for the same. after waiting for 90 days, the bank (ICICI) informed...

Hello Technofino Community, I currently have a home loan with ICICI Bank that was taken for purchasing an empty plot. The current interest rate on this loan is 9.4%, and I am exploring two options: Top-Up Loan: Is it possible to top up my existing home loan with ICICI Bank for additional...

Hi Team, I see cred cash is at 11.49% then idfc first money is at 13% with reducing interest rate and hdfc personal loan at 11.25% and hdfc also giving loan credit card at 11.04( but for interest we need to pay gst of 18% so not worth) I m looking for a personal loan of 5 to 10 L Both cred...

Hi, I have 1 personal loan going on in IDFC Bank, 8th of every month is the due date, EMI is automatically deducted from IDFC Savings account. I usually transfer the funds in that account before the due date, somehow I forgot to transfer the funds today and auto debit got failed. I noticed this...

Hi Everyone, I wanted to seek advise from expert members of the forum on advise and what all precautions to take while availing a Personal loan -- 1) I have talked with HDFC (10.85) and Axis (10.85) rate of interest, playing negotiation here. 2) Foreclosure post 12 months any time. 3) HDFC has...

Hello friends, I have a question. I begin my financial journey in January last year and I’m still learning it all. In April 2023, I purchased health insurance from Care, and to manage the budget I told them that I’d pay the premium on monthly basis. At that time, I’ve had Axis IOCL credit...

This is a WikiPost regarding PLCC (Personal Loan on Credit Card) This thread intends to list banks that offer PLCC on a pre-approved basis and the interest rate they offer to credit card holders. Such information will be useful for many credit card enthusiasts. Currently, GST (18%) is added to...

Hello Technofino community members, I'm reaching out to inform you about a complaint I filed today against Transactree Technologies Private Limited. On October 2nd, I discovered an unauthorized loan appearing on my CIBIL report—a loan I never took. I immediately contacted Transactree via...

Dear All, Special PF offers on indusind PL....

I don't open the hdfc portal frequently but saw today that now you can pay your loan using payment methods like other bank DC, wallets (only payzapp as of now) and UPI. This opens the door to lot of possibilities. You can also customize the amount you want to pay. Update - only Rupay DC...

I have a personal loan in HDFC. Monthly EMI getting deducted from my ICICI saving account. I want to know if i can change the deducting account to other bank. Thanks.

Hi my name is Rakesh Sajjan so I have a loan with money view with partnership of whizdom finance... But last month a new account was shown in the credit report with DMI name and account number with the same amount and they have already sent multiple Times overdue notification to male saying I...

Hi I am in plan to take personal loan upto 30L and invest it on buying some property. Any other options or suggestions? Please help

What happens if person with personal loan/credit card loan dies of some reason without paying loan, do banks recover it from family members?

How do I ask ICICI to remove personal CIBIL enquiry? I was just trying to open digital savings account with ICICI where I entered my PAN and other personal Info but they did a personal loan enquiry on my CIBIL. Can someone please guide me what steps should I take to fix this?

I urgently need some money for medical expenses and I was looking at some Personal loan options as my Insurance has capping ...Axis is providing me a top-up loan at the rate of 11.25% though my existing loan is at 10.75%, They are saying there rate has changed 11.25% is the lowest they can...

I recently opened an account with Freo PayLater. At around midnight, I started receiving SMS from different lenders about loan applications under process which I never applied for. I checked my CIBIL score the next morning to see that multiple enquiries were made by different lenders (Incred...

Friend has an ongoing personal loan from Paytm. Lender being hero fincorp since July 23. He has always been up to date with payments infact would make the payment on Paytm app before the auto debit. Today he recieved a sms from CIBIL about changes to his report. Since he does not subscribe to...