Everything you should know in the world of Finance

Peer-to-peer (P2P) lending is growing quickly in India. With P2P lending, people can borrow and lend money directly between each other without visiting a bank or non-banking financial company (NBFC). This allows individuals and small businesses to get loans faster and investors to earn higher returns.

Leading platforms are expected to handle over ₹ 100,000 crore per year in loan originations by end of 2025. As trust and awareness of this new lending model increase across small towns and cities, exponential expansion is on the horizon.

The Atal Pension Yojana (APY) is a government-backed pension scheme in India, designed primarily for individuals in the unorganised sector. Launched in 2015, it aims to provide a steady income stream post-retirement, ensuring financial security for those who may not have access to formal pension systems. The scheme offers multiple pension plans with varying monthly pension amounts, ranging from ₹1,000 to ₹5,000. To be eligible for this scheme, you must be between 18 and 40 years of age and have a valid bank account.

Dairy farmers work hard to manage their farms, but they often need a reliable vehicle to transport milk, feed, or supplies. Buying a new car can be expensive. Used car loans can be a practical option for dairy farmers. This article explains how these loans can help manage costs, support farm operations, and offer flexible financing options.

Sound credit health is fundamental to securing favourable financial opportunities, particularly when considering a personal loan. Personal loans offer a convenient way to access funds for various needs, such as home improvements, medical expenses, or debt consolidation, without requiring collateral. Unlike secured loans that require collateral, personal loans are based on your creditworthiness. Your creditworthiness, or credit health, is a measure of your financial reliability.

Buying a car is an exciting yet costly endeavour for most people in India. For healthcare professionals, having a reliable vehicle can make commuting to hospitals, clinics, and patient visits much more convenient. However, healthcare workers also have significant financial obligations, including housing, medical school loans, insurance premiums, and more. 

In India, auto loans typically span several years, with applicants paying nearly double the original loan amount when interest and other charges levied by the lending institutions are included. Over the duration of the loan tenure, you slowly build equity in the car, which refers to its current resale value minus the pending loan amount.

As a self-employed professional, bringing home a steady pay check every month is never guaranteed. Income can fluctuate dramatically based on business cycles, client payments, and general economic conditions. So, when planning to take on a major recurring expense like a used car loan, meticulously managing your overall finances before and after securing financing becomes critical. 

For medical practitioners in India, owning a reliable car brings immense convenience when commuting to hospitals, clinics, diagnostic centres, and patients’ homes at odd hours almost daily. However, the high prices of new cars and even pre-owned models make financing the only viable option for most resident doctors, nurses, technicians and support staff working in the healthcare sector.

Whether managing a thriving café in Bengaluru or operating a retail establishment in Delhi, securing adequate funding to support business growth or address cash flow challenges remains a critical priority for business owners in India. Here, two popular financing options stand out: merchant cash advances and traditional business loans. Determining which option between merchant cash advance vs. traditional business loan best suits your needs is essential. This article provides a comprehensive analysis of both options, outlining their advantages, disadvantages, and appropriate use cases.

Many businesses face temporary cash flow gaps between securing new funding rounds or while waiting to complete a major deal. Bridge loans act as short-term financing to help cover these gaps. This article outlines the essential steps for obtaining bridge financing from lenders.

What Are Bridge Loans?

A bridge loan is a short-term loan that provides temporary financing until additional funding is secured. These loans "bridge the gap" between regular funding rounds or major business deals.

Typical situations where companies utilise bridge financing include: