Working capital loans: how they work, what they cost and how limits are set
Guide
A plain guide to working capital finance for Indian businesses: the products on offer, how lenders decide the limit and how to use it well.
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Why loans get rejected, and what to do about it
Guide
Rejections usually trace back to a handful of causes: credit history, income, documents, the asset or a mismatch with the lender. Here is each cause, the fix, and when to reapply.
TG-bPASS Building Permission and Home Loans in Telangana
Guide
TG-bPASS processes building permissions online by self-certification. See what it covers, which papers lenders ask for, and how to avoid delays on a construction loan.
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Telangana MSME Schemes: T-PRIDE, T-IDEA, TG-iPASS and Central Schemes
Guide
State incentives and central credit schemes can sit alongside a bank or NBFC loan. See what each is for, an eligibility outline, and where to confirm current terms.
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Stamp Duty and Registration in Telangana for Property Buyers
Guide
Stamp duty in Telangana is worked out on the higher of the deed price and market value. See the structure, the mortgage deed (MODT) costs, and how to use the official calculator.
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Stamp duty and registration charges by state: how they work and where to check
Guide
Stamp duty is set by each state, so the amount on the same flat differs by state. Learn how it is worked out, who pays, and where to find official figures.
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Repo rate, EBLR and MCLR explained
Guide
The repo rate, EBLR and MCLR decide how your floating-rate loan moves. This guide explains each term, how a rate change reaches your EMI, and what choices you have at a reset.
PMAY housing scheme guide: urban and rural help to buy or build a home
Guide
PMAY helps eligible households buy, build or improve a home. This guide explains the urban and rural schemes, who benefits and how an interest subsidy works.
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Personal loan with a low credit score: realistic options
Guide
A low credit score narrows your options but does not close every door. See realistic routes, safer alternatives such as gold or FD-backed loans, and how to rebuild.
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What decides your personal loan interest rate
Guide
The main factors lenders weigh when they set the personal loan rate they offer you, and what you can change before you apply.
Personal Loan in Hyderabad: Eligibility, Documents and Safe Borrowing
Guide
A practical guide for Hyderabad borrowers on what lenders check, the papers to keep ready, address proof for renters and newcomers, and safe digital borrowing.
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Personal loan fees and charges explained
Guide
A plain list of the charges a lender may add to a personal loan, what each one is for, and how to compare offers on total cost instead of the headline rate.
Personal loan eligibility: salaried vs self-employed
Guide
What lenders look at for salaried and self-employed borrowers, why they are assessed differently, and how to prepare.
Personal loan by salary: what ₹25,000, ₹50,000 or ₹1 lakh a month can support
Guide
A personal loan amount is set by the EMI your salary can carry, not by a fixed multiple. See worked examples at three salary levels and the other factors lenders weigh.
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Personal loan basics for first-time borrowers
Guide
A short, plain guide to personal loans: how they work, what they cost, what lenders check and what to watch for.
Alternatives to a personal loan
Guide
Seven other ways to raise money, with the trade-offs of each, so you can choose the one that fits your need and your risk.
NRI loans: dos and don'ts
Guide
The habits that keep an NRI loan smooth, and the mistakes that delay or sink it, from attestation to repayment accounts.
NRI home loan and tax: what to ask your adviser
Guide
What to ask about tax before and after an NRI home loan, without section numbers that have changed under the new Income-tax Act.
NRI home loan: eligibility, papers and rules
Guide
A complete guide to home loans for non-resident Indians: eligibility factors, papers, repayment route, limits on property and the steps.
New car loan vs used car loan
Guide
How a new car loan and a used car loan differ in cost, terms, paperwork and risk, and how to decide which suits your budget.
MSME loans in India: options, schemes and how to apply
Guide
The main funding routes for MSMEs in India, including government-backed schemes, and the preparation lenders expect.
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Mortgage laws in India: the six types of mortgage and your rights
Guide
A plain guide to mortgage law in India: the six kinds of mortgage, the usual bank route, SARFAESI action and your rights.
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What happens if you miss an EMI
Guide
The financial and credit consequences of missing a loan instalment, what lenders can and cannot do, and the steps to take if you are in trouble.
Minimum credit score for a loan: how lenders use it by loan type
Guide
No single credit score cut-off applies to every loan. Here is how lenders weigh the score for each loan type, what else they check, and what can make up for a weak score.
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