Bipin Prajapati

November 4, 2026

Diwali is a time for diyas, family and fresh beginnings. But when a recovery agent’s call cuts through the celebrations, overdue EMIs and legal…

October 28, 2026

You applied for a personal loan. Your salary is stable, your documents were in order, and your CIBIL score was in the range of…

October 21, 2026

The Debt-to-Income (DTI) ratio is a financial metric that compares your monthly debt liabilities with your gross monthly income. Lenders often use this ratio,…

October 19, 2026

Dussehra celebrates the victory of good over evil. Yet the festive season is also when Indians lean most on their Credit Cards: over 42%…

October 14, 2026

You open your banking app to pay the electricity bill or withdraw a little cash, and notice that your balance is showing on the…

October 7, 2026

Navratri brings families together, but financial stress can make it harder to enjoy those moments. India’s household debt stood at 41.3% of GDP as…

September 23, 2026

People dealing with debt often avoid talking about it because they feel ashamed, fear judgement, or don’t know how to explain their situation. Constant…

September 16, 2026

You cannot go to jail simply for failing to repay your credit card debt in India. Credit card debt is generally treated as a…

September 10, 2026

Ganesh Chaturthi is a time of new beginnings, wisdom, and seeking the removal of obstacles. But for many households, one obstacle can be financial…

September 2, 2026

Debt stress isn’t just about unpaid bills or missed EMIs; it can affect your mental well-being, relationships, work performance, and confidence long before it…