Personal Loan News
Rates, festive offers, credit-score shifts and unsecured-lending news.
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SBI Chairman Setty Expects 50 bps Rate Hike in December: What Costlier Loans Mean for You
SBI chief CS Setty expects a further 50 bps of rate hikes in December, according to Livemint. Here's what that could do to your EMI and what you can do now.
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Planning a Home Loan? Tidy Your Credit Report First, Experts Tell Livemint
Livemint reports experts say a stronger credit score can help you get a lower home loan rate. Here's a pre-application plan and what a small rate gap costs.
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Free Online Credit Report Check: Spot Errors Before You Apply for a Loan
As reported by oneworldnews.com, you can check your credit score online for free. Here's how to read your report and fix mistakes before you borrow.
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Bajaj Finance Personal Loan for Diwali 2026 Shopping: Check the Full Cost First
Bajaj Finance is promoting a personal loan for Diwali 2026 shopping, as reported by LatestLY. Here's what it really costs and how to borrow wisely.
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A Higher Credit Score May Cut Your Existing Loan Rate: What Borrowers Can Ask Their Lender
Moneycontrol.com reports that a better credit score may help lower the cost of a loan you already have. Here's how to ask, what it can save, and what to avoid.
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SBI Data Leak Worry: How to Guard Your Credit Score From Fake Loans
Moneycontrol.com reports on an SBI data leak and the fear of loans taken in your name. Here's how fake loans work and what to check now.
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Light Verify Loans Opens Online Personal Loans With Soft Credit Checks: What It Means for You
Light Verify Loans has started an online personal loan service with soft credit checks, per openPR.com. Here's what that means, and what to check before you apply.
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Closing a Personal Loan: How Long Your Credit Score Takes to Recover and What Helps
Paying off a personal loan can cause a small, short dip in your credit score. Here's why it happens, how long recovery can take, and what to do.
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Car Loan Amounts Rise 49% in Seven Years, Tenures Stretch: What It Means for Buyers
A CIBIL report says car loans are bigger and tenures longer than seven years ago. Here's what that means for your EMI and total interest.
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SBI's 10% Personal Loan Rate Explained: Total Interest on ₹1 Lakh by Tenure
SBI's personal loan rate starts at 10% in October, with a ₹10,624 EMI on ₹1 lakh, as reported. Here's what that means and how to compare offers.
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Before You Pick a Personal Loan This October, Look at Fees as Well as EMI
Livemint has set out EMIs and processing fees across 22 lenders for October 2026. Here's how to use that list and what the fees do to your real cost.
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Bandhan Bank CEO Says Microcredit Is Business Credit: What It Means for Small Borrowers
Bandhan Bank's CEO says microcredit should count as business credit, not a personal loan, as reported by Business Standard. Here's what that could mean for small borrowers.
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Choosing a Quick-Approval Personal Loan App in India: What a Top-10 List Won't Tell You
Moneycontrol.com has published a 2026 guide to quick-approval personal loan apps. Here is how to judge any such list: the real cost, RBI safeguards and the checks to run before you borrow.
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Digital Personal Loans Are Expanding: How to Review an Instant Loan Before You Apply
News9live reports digital personal loans are expanding and urges borrowers to review instant loans first. Here is a practical checklist on cost, lender checks and repayment before you apply.
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RBI MPC Meeting Begins October 5: What It Could Mean for Your Home and Personal Loan EMI
The RBI's rate-setting panel began its meeting on October 5, per News24Online. Here is how a repo rate decision reaches home loan and personal loan EMIs, with worked examples.
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Fake Agents and Phishing Links Target Personal Loan Seekers: How Borrowers Can Stay Safe
Zee News reports warnings about fake agents, phishing links and too-good-to-be-true offers for personal loan applicants. Here is how to verify a lender and avoid advance-fee traps.
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Digital NBFCs vs Banks in Personal Loans: Which Lender Suits Which Borrower
BizzBuzz reports that digital NBFCs and banks serve different personal loan borrowers. Here is what that split means for your rate, approval odds and total cost.
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Personal Loan vs Credit Card Debt in 2026: Why Revolving Card Balances Usually Cost More
National Herald has compared personal loans with credit card debt for 2026. For most borrowers, a fixed-rate personal loan costs far less than a revolved card balance, though fees and discipline matter.
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Personal Loan Sanctions Reach Rs 2.99 Trillion in April-June Quarter: What Borrowers Should Know
Personal loan sanctions hit Rs 2.99 trillion in Q1FY27, as reported by Business Standard citing FACE. Here is what the volume means for your own borrowing, EMIs and credit score.
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Forbes Ranks Bad-Credit Personal Loans for Scores Under 580: What Indian Borrowers Can Learn
Forbes has published a list of the best personal loans for borrowers with scores under 580. Here is what low-score borrowers in India should take from it, with worked EMI costs.
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Digital Lenders Outpace Banks in Personal Loans: What Younger Borrowers Should Check
Livemint reports digital lenders are outpacing legacy banks in personal loans, with younger borrowers preferring fintech apps. Here is what that means for your cost, safety and choice of lender.
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10 Red Flags of Personal Loan Scams: What Indian Borrowers Should Check Before Applying
Bankrate has published a list of ten warning signs of personal loan scams. Here is how Indian borrowers can apply the same caution: verify the lender, never pay upfront, read the terms.
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Personal Loan Growth Rises to 16.9% in August, RBI Data Shows: What Borrowers Should Know
Personal loan growth climbed to 16.9% in August, as reported by The Economic Times citing RBI. Here is what a faster-growing loan book means for your EMI, approval odds and borrowing choices.
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Digital NBFC Personal Loan Book Grows 28%, Quality Improves: What Borrowers Should Know
Digital NBFC personal loan books grew 28 per cent with better portfolio quality, per Investment Guru India. Here is what it means for your borrowing costs, approvals and choice of lender.
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Repaid Your Personal Loan in Full? Your Credit Score May Lag for Months
Closing a personal loan doesn't update your credit score overnight — bureau reporting cycles mean the improvement can take weeks or longer to show, as reported by livemint.com.
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Personal loans may overtake gold loans as the fastest-growing credit segment: what borrowers should know
A report says personal loans could pass gold loans as the fastest-growing lending segment. Here is what that means for your borrowing costs, your options and your next loan decision.
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Personal Loan Rates in India 2026: What Borrowers Should Compare Before Signing
The Tribune has published a 2026 guide to personal loan rates, features and lender comparison. Here is what it means for borrowers and how to judge an offer on cost, not just the headline rate.
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Bajaj Finance Personal Loan Range Runs Rs 40,000 to Rs 55 Lakh, 108 Months: What to Check
Bajaj Finance is reported to offer personal loans from Rs 40,000 to Rs 55 lakh with tenures up to 108 months. A longer tenure lowers the EMI but raises the total interest you pay.
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UBS Sees India's Personal Loan Growth Cycle Turning Strong: What Borrowers Should Do
UBS sees India entering a strong personal loan growth cycle as unsecured credit revives, per Moneycontrol.com. Here is what a lending upswing means for your approval odds, rates and EMI.
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Personal Loans Lead India's Credit Recovery: What It Means for Borrowers and Loan Costs
PGurus reports personal loans are leading India's credit comeback. Here is what that means for approvals, pricing and how to borrow without overpaying.
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UPI MDR's Hidden Cost Could Push Up Small Personal Loan Rates
UPI's zero-MDR structure has hidden costs for lenders, and per reporting by Moneycontrol.com, that pressure could make small personal loans costlier.
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UBS Upgrades L&T Finance, Bajaj Finance: Personal Loan Boom Seen Ahead
UBS has upgraded L&T Finance and Bajaj Finance and raised target prices, betting on a fresh personal loan growth cycle, according to reporting by NDTV Profit.
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Moneyview IPO Price Band Set at Rs 32-34 a Share: What Personal Loan Borrowers Should Know
Moneyview's Rs 10.91 bn IPO carries a Rs 32-34 price band, per fintechbiznews.com. Your loan and EMI stay unchanged; here is what the listing means, and what it does not.
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Higher Credit Score Means Cheaper Personal Loans: How Your Score Sets the Rate You Pay
A strong credit score is what unlocks low-interest personal loans, as reported by DNA India. Here is how lenders price risk and what a rate gap costs you in rupees.
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Personal Loan Balance Transfer: Costs to Check Before Switching Lenders
Moneycontrol.com reports borrowers should check the numbers before switching personal loan lenders. Here is how to test whether a switch saves money once fees are counted.
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On-Time EMIs, Falling Credit Score: The Hidden Factors Bureaus Track
Paying every EMI on time doesn't guarantee a rising credit score — utilization, inquiries and credit mix can pull it down too, per Livemint. Here's what to check and fix.
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Small-City India Now Drives Personal Loan Demand Growth: What It Means for You
Tier-2 and Tier-3 cities are now leading India's personal loan demand growth, per The Tribune — here's what smaller-city borrowers should check before applying.
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Loan Rejected Despite Good Credit Score? 7 Reasons Lenders Say No
A good credit score doesn't guarantee loan approval. Moneycontrol.com reports lenders weigh income, existing debt and repayment capacity too.
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Forbes Ranks Best Fair-Credit Personal Loans For 2026: A Reality Check For India
Forbes' 2026 ranking of personal loans for fair-credit US borrowers doesn't apply directly to India — but the credit-score pricing gap it highlights very much does.
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Bajaj Finance Personal Loans Start at 10% p.a.: What Borrowers Should Know
Bajaj Finance is offering personal loans starting from 10% p.a., per reporting by theprint.in — here's what the rate band means for eligibility, EMIs and comparing offers.
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Why Many NRIs Have No CIBIL Score — and How to Build One in India
Many NRIs discover they have no CIBIL score despite years abroad. Here's how to check it, why the file is often empty rather than bad, and how to build credit history for Indian loans.
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A High Credit Score Doesn't Guarantee Home Loan Approval — Here's Why
Reports say a borrower with a 780 credit score still had a home loan application rejected, and experts point to factors lenders weigh beyond the score alone.
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Festive-season personal loan offers are landing: the fine print that separates real savings from packaging
Processing-fee waivers and "special rates" arrive every festive quarter. A Key Fact Statement read in the right order tells you in minutes whether an offer beats your existing pre-approved pricing.
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