SMART FINE

Getting a loan with a bad credit score is challenging, but it’s not impossible. Many people in India struggle with low credit scores due to missed EMIs, credit card defaults, multiple loan applications, or unstable income. Yet financial emergencies don’t wait. Whether you need funds for medical bills, business needs, education, or personal expenses, there … Read more

Studying in India or abroad has become increasingly expensive, and not every student has collateral such as property or fixed assets to pledge for a loan. Recognizing this, banks and NBFCs in India now offer education loans without collateral for deserving students based on their academic profile, course, university, and future earning potential. In 2025, … Read more

Buying a home is one of the biggest financial decisions anyone makes in their lifetime. As property prices continue to rise, most people rely on home loans to afford their dream house. But the most important factor that decides the total cost of your loan is the interest rate. Even a small difference of 0.25% … Read more

Buying a bike without paying any down payment has become easier than ever in India. With increasing competition among banks, NBFCs, and digital finance companies, several lenders now offer Zero Down Payment Bike Loans, meaning you can take your bike home without paying even ₹1 upfront. This type of loan is extremely popular among students, … Read more

When you apply for a loan in India, one of the biggest extra costs you face is the processing fee. Most banks charge anywhere between 1% to 3% of the loan amount as processing fee, which increases your overall cost. For example, on a loan of ₹5,00,000, the processing fee alone can be ₹5,000 to … Read more

Street vendors play a huge role in India’s informal economy, but for decades they had no access to formal banking, credit facilities, or business support. To help these small vendors grow and stabilize their income, the Indian Government launched the PM SVANidhi (Prime Minister Street Vendor’s AtmaNirbhar Nidhi) scheme. This scheme provides easy collateral-free loans … Read more

Getting a personal loan as a self-employed individual has always been more challenging compared to salaried professionals. Banks rely heavily on stable income, predictable cash flow, and documented earnings — something that self-employed business owners, freelancers, traders, and gig workers often struggle to present. But things have changed drastically in 2025. Digital lending platforms, fintech … Read more

Instant loan apps have changed the way people borrow money in India. A few years ago, getting a personal loan took days of paperwork and multiple bank visits. Today, you can get money in your bank account in just a few minutes — even if you don’t have a strong CIBIL score. This is why … Read more

Finding a low-interest personal loan in India has become easier than ever, but most people still end up paying more than they should. The reason is simple — lack of information. When you know where to apply, how to compare rates, and what factors affect your loan eligibility, you can save a huge amount of … Read more