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Gold loans are not ‘easy money’ in a volatile market

The gold loan market has reached a record ₹16 trillion, but rising delinquency rates signal emerging credit stress. As market volatility triggers margin calls, experts warn that over-leveraged borrowers risk financial exclusion if gold prices continue to fluctuate.

Gold loan vs gold overdraft facility: Here's all you need to know before choosing what works best for you

Want to leverage your gold for a line of credit? We explain what gold loan and gold overdraft facility is, what you get you and which is the better choice based on your needs. 

Consent-driven credit: Why consumer-controlled data is shaping the future of lending

Consent-driven credit is reshaping lending in India by giving consumers control over their financial data through the Account Aggregator framework. This shift is improving credit access, accuracy, and trust, especially for underserved borrowers.

Credit score boost: Weeks, months, or years — What’s the real timeline?

It does not take too long to improve your credit score if there is no default or loan settlement in your credit report. By following certain basic steps – such as timely card payments and keeping credit utilisation low – you can improve your score within a few months &nbsp;

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Choosing between fixed and floating rates? Here’s what most people get wrong

One could decide between a fixed and a floating rate of interest on the basis of a few criteria such as the loan tenure, risk appetite, interest rate cycle and stability of income, among others.

This IndusInd card provides access to airport lounges and travel perks at zero cost

IndusInd Bank Tiger Credit Card offers two complimentary domestic lounge access in a quarter and two international lounge access in a year.&nbsp;

She made one mistake and lost ₹2 lakh on her credit card; don’t be next

It is a standard practice among fraudsters to prompt you to share crucial credit card details by creating a sense of urgency. They would say that your card needs verification, without which it stands to get cancelled. Then they would ask you to share the card number, CVV number and expiry date, etc.

These 5 credit cards are being devalued in 2026. Check list

A number of popular credit cards have undergone major devaluations lately. Here we list five major cards which have been devalued in one way or other&nbsp;

Which are the best credit cards to spend on food, dining and groceries?

We list out a few credit cards which give maximum benefits on groceries, food and dining spends. You should choose one card which suits your spending patterns

Before you apply for a loan again, fix these gaps in your profile

Has your loan been rejected once? If yes, you need to now upgrade your profile before you apply for it again to avoid rejection the second time

Same ₹10,000 EMI… but one walks away with ₹55,000 less. Here’s the catch

Same EMI, same tenure, but your credit score decides how much you actually get and how much extra you pay. Looks like the same loan on paper, but one small number can cost you thousands without you even noticing.

No credit card but want a good score? Start with these simple moves

Building a good credit score is achievable even without a credit card. It takes consistent fiscal practices and financial discipline to form a strong credit profile for future borrowing needs. Here's a look at how you can do so…

Finance News

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Personal Loan

Gold loan vs gold overdraft facility: Here’s all you need to know before choosing what works best for you

Gold loans are not ‘easy money’ in a volatile market

Choosing between fixed and floating rates? Here’s what most people get wrong

Get Personal Loan up to

₹5,00,000

Get Personal Loan up to

₹5,00,000

Credit Cards

She made one mistake and lost ₹2 lakh on her credit card; don’t be next

These 5 credit cards are being devalued in 2026. Check list

Which are the best credit cards to spend on food, dining and groceries?

Credit Cards with limit up to

₹5,00,000

Credit Cards with limit up to

₹5,00,000

Credit Score

Before you apply for a loan again, fix these gaps in your profile

Same ₹10,000 EMI… but one walks away with ₹55,000 less. Here’s the catch

No credit card but want a good score? Start with these simple moves

Your Credit Score is

Ready!

Your Credit Score is

Ready!

All Your Money, one Smart APP

All Your Money, one Smart APP

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