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Guides to borrowing well
How loans, fees and credit scores actually work in India — written to help you compare offers with the full picture.
- Personal loanPersonal loan vs. business loan: which one should you choose?Both can fund a business need, but they differ on eligibility, documents, amount, rate and tax treatment. Here is how to pick the right one. · 2 min read
- Interest ratesFlat interest vs. reducing balance interest: why a 10% loan isn't always 10%A flat rate is charged on the full loan for the whole tenure, a reducing rate only on what you still owe. Here is how much that difference really costs. · 1 min read
- Credit scoreWhat affects a CIBIL score? The five factors that matterYour CIBIL score runs from 300 to 900 and decides both approval and the rate you are offered. These are the factors that move it — and how to improve each one. · 2 min read
- Credit scoreHow multiple loan applications affect your credit enquiriesApplying to several lenders at once can lower your credit score and your approval odds. Here is the difference between hard and soft enquiries, and how to shop for a loan safely. · 2 min read
- About PaisaFinSahi loan, sahi daam: how we think about the right loan at the right priceThe right loan is the one that fits your need, your repayment capacity and your budget — at a cost you understand before you sign. Here is what that means at PaisaFin. · 1 min read
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