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What is Key Fact Statement? How To Access Key Fact Statement?

Micro Finance: Meaning, Features and Models

What is NH in CIBIL Score?

How to Write a Personal Loan Agreement?

Discover how to write a personal loan agreement, including key clauses, types of charges, borrower-lender responsibilities, and a sample agreement format.

Personal Loan for Senior Citizens: Eligibility, Benefits & Features

Explore how senior citizens can qualify for personal loans, eligibility criteria, required documents, and the best lenders offering loans to retirees and pensioners.

LSS in CIBIL Report: Meaning, Impact & Ways to Improve Score

Learn what LSS means in your CIBIL report, how it’s calculated, its impact on your credit score, and tips to improve your report and score.

What is a Post Dated Cheque? Meaning, Benefits & Validity

Learn everything about Post Dated Cheques - what they are, how to issue them, their uses, legal rules in India, benefits, and possible penalties for dishonour.

MPIN Number - Full Form and Meaning

Discover what an MPIN number is, how to set or change it, its uses in mobile banking, key differences from UPI PIN, and tips for strong and secure MPIN usage.

What is Monthly Average Balance (MAB)? How to Calculate It?

Learn what Monthly Average Balance (MAB) is, how to calculate it, why it’s important, the penalties for non-maintenance, and tips to maintain it easily.

Difference Between Bonds and Loans

How to Get a Personal Loan Without ITR: Steps & Criteria

What is Loan Against FD? Features, Benefits & How It Works

What is Payment Reversal? Types, Causes & How To Avoid It

FICO Score: Meaning, Types, Calculation and How To Improve It

Top 10 Best Places To Visit In November In India

Difference Between Mortgage and Collateral

What is Hypothecation? Meaning and Types

Decentralised Finance (DeFi): Meaning, How It Works & Benefits

Special Mention Account (SMA) in CIBIL Report

What is Co-Lending? Meaning, Features and RBI Regulations Explained

What Does ‘Written Off’ Mean in CIBIL and How Can You Remove It?

Impact of GST on Personal Loan

What is a Non Encumbrance Certificate (NEC) and Why is It Important?

What is a No Objection Certificate (NOC) and Why is It Important?

What is a Mortgage Deed and How Does It Work?

What is Days Past Due (DPD) and How Does It Affect Your Credit Score?

CIF Number: Meaning, Full Form, Features & How to Find It

Credit Monitoring: Features and Advantages

What is a Tradeline on a Credit Report?

Statutory Liquidity Ratio (SLR): Components, Calculation & Compliance

Multi Purpose Loan: Meaning, Features & Benefits

Average Credit Score For Personal Loan

Difference Between Flat Interest Rate and Reducing Interest Rate

Outstanding Balance - Meaning and How it Works?

What are Personal Loan EMI Bounce Charges and How To Prevent Them?

What Is Interest Coverage Ratio and How Is It Calculated?

How to Get ₹20,000 Loan without Income Proof?

Floating Interest Rates: Formula, Types, Pros & Cons, and Uses

APR vs Interest Rate: Meaning & Differences

How to get a ₹50,000 Loan on PAN Card?

What is the Debt Snowball Method and How Can It Help You Pay Off Debt?

Difference Between Cash Credit and Overdraft

Difference Between Personal Loan vs Gold Loan

Salary Slip: Meaning, Components, Importance & How to Download

Working Capital Demand Loan: Features, Benefits and Alternatives

Promissory Note: Meaning, Types & Features

What is Penal Interest? Meaning and How it is Calculated?

No Dues Certificate: Meaning, Purpose & Format,

What is No Cost EMI and How Does It Work?

What is Personal Loan Insurance and How Does It Protect You?

What is Overdue Payment and How Can You Handle It?

Microcredit: History, Features, Types, and Key Benefits

What is Marginal Standing Facility (MSF) and How Does It Work?

What is a Loan Shark and How Can You Protect Yourself?

Loan Amortization: Meaning, Schedule, Calculation, Types & Examples

What is Lease Rental Discounting (LRD) and How Does It Work?

Indemnity: Meaning, Types & Importance

What is Deferred Payment and How Does It Work?

Debt Financing: Meaning, Types, Advantages, Disadvantages & Examples

Debt Avalanche Method: Meaning, How It Works, Pros, Cons & Examples

Control Number in CIBIL: Meaning, Purpose & How to Get It

Channel Financing: Meaning, Features, Benefits & How It Works

Credit Control: Meaning, Types, Importance & Process Explained

5 C’s of Credit: Meaning, Importance and How to Improve Them

Learn about the 5 C’s of Credit - Character, Capacity, Capital, Collateral and Conditions. Discover their importance and tips to improve your creditworthiness.

Balloon Payment: Meaning, How It Works & Advantages & Disadvantages

What is Credit Rating? Importance and Benefits

What is Credit Repair? How Does It Work?

Joint Personal Loan: Meaning, Eligibility, Benefits & How It Works

Loan Life Cycle - Meaning and Steps

Loan Underwriting: Meaning, Process, Types, and Key Steps Explained

Learn what loan underwriting is, how it works, key requirements, and what lenders evaluate to approve or deny your loan application in various scenarios.

What is a Credit Builder Loan & How Can It Improve Your Credit Score?

A credit builder loan helps you build or improve your credit score with small payments over time. Learn how it works and if it’s right for you.

Difference Between Pre-EMI and Full-EMI

Learn what Pre-EMI and Full EMI mean, how they work, their key differences, benefits, tax implications, and how to choose the right option based on your financial needs.

Difference Between Repo Rate and Reverse Repo Rate

Learn the difference between repo rate and reverse repo rate, how they work, and why they matter for India’s economy. Understand their impact and how the RBI decides these rates.

Prime Lending Rate

Explore the Prime Lending Rate in India, understand its meaning, how it's calculated, who sets it, and its impact on borrowers, personal loans, and the economy in 2025.

Loan on PPF Account: Meaning, Eligibility, Features & How to Apply

Need urgent funds? Learn how to get a loan against your PPF account at low interest rates, eligibility criteria, repayment rules & more in this quick guide.

What is Revolving Credit and How Does It Work?

Learn what revolving credit is, how it works, and how it affects your credit score. Discover the pros, cons, for managing revolving credit accounts.

What is MCLR and How Does It Affect Your Loan EMI?

Learn what MCLR (Marginal Cost of Funds based Lending Rate) means, how it works, and its role in determining loan interest rates in India.

Bridge Loan: Meaning, Types, Features, and How It Works

Discover what a bridge loan is, how it works, and the different types available. Learn why it might be the right choice.

Loan to Value (LTV) Ratio: Meaning, Importance & RBI Guidelines

Learn what Loan to Value (LTV) Ratio means, why it matters in lending, and how to calculate it using a simple formula with examples.

Government Personal Loan Scheme: Eligibility, Interest Rates & Benefits

Explore the Government Personal Loan Scheme. Learn about eligibility, loan limits, interest rates, repayment options, and how to apply.

Consumer Durable Loan

Learn all about consumer durable loans, including features, eligibility, interest rates, benefits, and step-by-step guidance on how to apply easily.

How to Check CRIF Credit Score?

Find out how to check your CRIF credit score online using simple steps. Learn to correct errors in the CRIF Credit Report.

Fixed Obligation to Income Ratio (FOIR): Meaning and Calculation

Understand what Fixed Obligation to Income Ratio (FOIR) is, how it's calculated, and why it's crucial for personal loan eligibility.

How to Calculate Personal Loan EMI using Excel

Learn how to calculate personal loan EMI using Excel with an easy formula. Step-by-step guide to plan your loan repayment smartly.

How to Check CIBIL Score by PAN Card?

Learn how to check your CIBIL score using your PAN card in simple steps. Understand the process, why it matters, and how it impacts your credit health.

How to Get a Personal Loan with 550 Credit Score in India?

Know how to get a personal loan with a CIBIL score of 550. Learn about the challenges, risks, lender options and smart tips to improve approval chances with Lendingplate.

How to Write a Loan Application Letter

Learn the key elements of crafting an effective loan application letter. Our comprehensive guide provides tips to enhance your writing and secure funding.

Punishment for Non Payment of Personal Loan in India

Learn about the legal consequences and penalties for non-payment of personal loans in India, including lender actions and borrower rights.

Urgent Loan for CIBIL Defaulters: Eligibility & How to Apply

Need an urgent loan with a low CIBIL score? lendingplate offers quick personal loans for CIBIL defaulters with flexible tenures and fast approval.

Retail Loan? Definition, Types, Pros & Cons

Learn what a retail loan is, its types, and how it helps individuals finance personal needs like home, vehicle, or education with flexible repayment options.

10 सबसे अच्छे लोन देने वाले ऐप्स

पर्सनल लोन ऐप एक ऐसा वित्तीय उपकरण है जिसे विशेष रूप से आपकी आर्थिक ज़रूरतों को पूरा करने के लिए डिज़ाइन किया गया है। भारत में कई बैंक और वित्तीय संस्थान मोबाइल ऐप्स के माध्यम से इंस्टेंट पर्सनल लोन प्रदान कर रहे हैं।

Top 30 RBI Approved Loan Apps in India - 2025

Explore the top RBI-approved loan apps in India for 2025, featuring the best trusted options. Compare features, interest rates, and benefits.

Loan Loss Provision? Everything You Need to Know

Discover what loan loss provisions are, why they matter, and how they help manage credit risk. Learn about provisioning methods, key challenges

RBI Guidelines for Loan Recovery 

Stay informed on RBI guidelines for loan recovery, borrower rights, and fair practices. Learn how lendingplate ensures a transparent and compliant recovery process.

Advance Salary Loans: Features, Eligibility and Benefits

Get instant access to your paycheck with advance salary loans from lendingplate. Apply online for quick cash relief with loans up to ₹1 lakh for urgent financial needs.

Personal Loan Tenure – Maximum And Minimum Duration

Discover the minimum and maximum personal loan tenures and find the ideal loan term to align with your financial goals

What is Part Payment in Personal Loan?

Making part payments in your personal loan reduces interest costs, shortens tenure, and boosts financial flexibility. Check the policies for limits and charges

What is the Minimum CIBIL Score For Personal Loan

Learn the ideal CIBIL score range for personal loan approval and how it impacts your eligibility. Understand key factors influencing your credit score.

Difference between Loan Write Off and Loan Waive Off

Understand the key differences between loan write-off and loan waiver, how they impact borrowers and lenders, and their financial implications.

How To Check Loan Account Number(LAN)? 

A Loan Account Number (LAN) is a unique identifier for managing loans. Learn how to check your loan account number online, its importance, and easy steps for access.

How to Get Personal Loan Without a Salary Slip

Looking for a personal loan without a salary slip? Discover alternative documents, lender options, credit score impact, collateral role, and tailored loan products.

Difference Between Loans and Advances

Know the key differences between loans vs advances. Learn about their types, similarities, interests rates and more.

Basic Requirements to Qualify for a Payday Loan

Explore how you can qualify for a payday loan without delay. This post mentions the basic requirements to qualify for the loan.

Most Common Financial Mistakes to Avoid

Many people often make common financial mistakes and end up worsening their economic condition. Avoiding these errors can help them stay financially healthy.

Credit Appraisal - Learn Everything About It

Banks and online lenders prioritize credit appraisal before approving a credit application. The evaluation process helps understand a borrower’s creditworthiness.

What is a Debt Instrument? Learn Everything About It

A debt instrument plays an instrumental role in helping businesses, individuals and Governments to raise capital. Obtain knowledge about it in detail.

Personal Loan Refinance - Learn Everything

Planning to consider a personal loan refinance? In this post, it is time to understand everything related to loan refinancing options.

How to Finance Small Debts with a Single Personal Loan?

Learn how to finance small debts with a single loan in this post through several tricks and tips and manage your loans effectively.

What is a Flexi Loan - Everything You Need to Know

Learn how a Flexi loan works, offering flexible withdrawal and repayment options, making it a smart choice for managing personal finances.

Hidden Charges on Credit Cards: What You Must Know

Explore the hidden charges on credit cards, from late payment fees to foreign transaction costs, and learn how to avoid unexpected expenses.

What is Creditworthiness?

Discover what Creditworthiness is and how it impacts your credit score. Learn strategies to save on early credit repayments and manage costs effectively.

What is an Excellent Credit Score? Learn Everything

Having an excellent credit score is boon in personal lending. Here you’ll learn everything about excellent credit score.

Disadvantages of a Low Credit Score in Personal Lending

Explore the disadvantages of low credit scores in personal lending, including higher interest rates, limited loan options, and increased borrowing costs.

Moratorium Period: Learn Everything About It

Learn all about the moratorium period, a temporary suspension of loan repayments that helps borrowers manage financial challenges without penalties.

Overdraft Facility: Overview, Features, and Benefits

Discover the overdraft facility: learn about its features, benefits, types, and eligibility criteria to optimize your financial management strategies.

How to Repay Personal Loan After Job Loss

Discover how to repay loan after job loss. We discuss our 9-step plan on how to make informed financial decisions in cases of uncertainty like job loss.

Real Vs Fake Loan Apps: How to Identify Them?

Learn how to distinguish between real and fake loan apps with essential tips on verification, research, and protecting your personal information.

Is it Possible To Have a 900 Credit Score?

Discover whether is it possible to have a 900 credit score! In this article you'll learn about higher credit score and it benefits etc.

Loan Restructuring - All You Need to Know

Benefits of Loan Restructuring: Make loan payments more manageable, avoid default, and get back on track financially with loan restructuring.

Difference Between Debt Consolidation and Debt Settlement

Discover what are debt consolidation and debt settlement strategies. Learn strategies to ensure optimal financial and manage costs effectively.

Missed a Personal Loan EMI – What to do Next?

Missed a Personal Loan EMI? Learn what to do next to minimize penalties, rectify the situation, and prevent future financial difficulties.

What is Mini Loan - All You Should Know

Explore the world of mini loans in India, including benefits, types, risks, and responsible borrowing practices to make informed financial decisions.

Fixed and Floating Interest Rates - Which is Better?

Want to understand everything about floating and fixed interest rates? Let's find out the differences in this all-encompassing post.

What Are the Common Myths About Cibil/Credit Score?

Uncover common myths about credit score and learn the truth behind them. Clear up misconceptions to better manage your credit health.

Loan Syndication - Learn Everything About It

Discover everything you need to know about loan syndication. Explore its process, benefits, and how it can impact your financial strategies.

Why is Travel Good for Mental Health?

Discover how travel can boost your mental health by reducing stress, enhancing creativity, and providing new perspectives on life.

Personal Loan for Festival - Offers & Benefits

Celebrate festivals with ease! Get a personal loan for festival expenses with flexible repayment options & festival loans.

Prepayment Penalty: What it is and How to Avoid it?

Discover what a prepayment penalty is and how to avoid it. Learn strategies to save on early loan repayments and manage costs effectively.

Best Places to Travel in August in India

Discover the best places to travel in August in India, from scenic hill stations to vibrant festivals and offbeat destinations. Plan your getaway!

Travel Loan - Interest Rates, Eligibility & Features

Discover the essentials of travel loans: interest rates, eligibility criteria, and key features to make your travel financing smooth and stress-free.

What is Unsecured Credit Card? - Learn Everything Here

Discover the ins & outs of unsecured credit cards! Learn how they work, benefits, and risks. Get informed and make smart financial decisions.

Preventing Fraudulent Activities in Online Lending

Need to learn about loan fraud activities in online lending? This post describes how to prevent these scams.

Why You Should Repay Loan on Time?

Interested in applying for a personal loan? Here's why it is important to repay loan on time. Let's find out the reasons in this post.

How to Manage Personal Loan EMI Payments?

Learn effective strategies to manage your personal loan EMI payments. Discover tips for budgeting, timely payments, and reducing debt.

7 Tips for Choosing the Right Personal Loan for Your Needs

Looking for a personal loan? Check 7 tips for choosing the right personal loan for your needs and make a financially correct decision.

Personal Loan for Unexpected Medical Expenses?

Personal loan is best solution to deal with financial situation specially in unexpected medical expenses. Learn here everything about it.

What Happens When You Default on Personal Loan Payments?

Have you experienced a default on your personal loan? Learn the consequences you are likely to face in case of a loan default.

NACH Mandate- Everything You Need to Know

Want to learn how the NACH mandate revolutionizes the way people used to handle recurring payments? Here’s how it’s a boon to the Indian finance sector.

How to Close Personal Loan Early?

Planning to opt for a personal loan closure process? This post enlightens you on the easy steps to close a personal loan earlier and save money.

What is a Term Loan? Definition, Types and Benefits

Do you know about the term loan? A term loan is a loan amount provided by financial institutions for a specific time.

How to Plan for Early Retirement?

Wondering how to plan for early retirement? Here's your all-inclusive guide to follow. Let's find out the tips mentioned here.

Ways to Rebuilding Credit Score After Loan Default

Defaulted on your loan? It can negatively impact your credit score and chances of securing a loan in the future. Read on to learn effective ways of rebuilding credit score after default.

12 Money Management Tips to Improve Your Finances

How do you manage your personal finances effectively? Let's find out the top 12 money management tips in this post.

How to Deal with Financial Anxiety During Financial Crisis?

Do you need to deal with financial anxiety? Read on to discover some effective ways to deal with financial stress during a financial crisis.

8 Financial Lessons That Everyone Should Know Before Turning 30s

Wondering how to start planning your financial future? Here are the best financial lessons to learn before turning 30 years.

9 Personal Loan Mistakes to Avoid Before Taking Loan

Most of the people make mistakes while applying for personal loan. Here you'll lean about the personal loan mistakes to avoid while applying for loan.

The Role of Personal Loans in Financial Planning

Personal loan plays an important role in financial planning. In this post you'll learn about the role of personal loans and how it helps you financially.

How Does a Credit Card Help in Emergency Situations?

Why would you ever use your credit card in emergency situations? Let's find out the different aspects and other considerations in this post.

The Role of Collateral for Loans

This post helps you understand the role of collaterals in secured loans. Let's find out what collateral loans and its types.

Manage Credit Card Debt: Tips for Responsible Usage

Wondering how to manage credit card debts while using your card responsibly? Welcome to this post, where you can discover effective methods.

Important Factors Affecting Interest Rates

Many of you don’t know about the important factors affecting interest rates of a personal loan. In this post you’ll learn everything about it.

The Impact of Credit Score on Personal Loan Approval

How much does a credit score impact on personal loans? Let's learn more in this comprehensive post by demonstrating the factors, benefits, and other details.

How to Read and Understand Your Credit Report?

You need to understand your credit report before applying for a loan. Let's find out the ways in the following post.

How to Avoid Hidden Charges in a Personal Loan?

Planning to opt for a personal loan? Do you understand the hidden charges in a personal loan? Check details from this all-encompassing guide.

What is Peer-to-Peer Lending? Learn Everything About It

What is peer-to-peer lending? In this post you'll learn about the key benefits, risks, and other details about peer-to-peer lending.

What are the Documents Required for KYC?

Which KYC documents are required to complete the verification procedure? Here you’ll learn everything about KYC documentation.

What is a Secured Credit Card and, How It Works?

Welcome to this all-encompassing post, which walks you through the ins and outs of secured credit card. Let’s learn the crucial things.

Ways to Get Instant Personal Loan without CIBIL Score

Want to apply for an instant personal loan without CIBIL score? Here you'll learn about the best ways to opt for a personal loan without CIBIL.

Loan Sanction Letter and Its Importance

Are you seeking a housing loan to purchase your dream home? You must learn everything about the loan sanction letter in brief.

What is Credit Card Limit – Learn Everything About It

Understanding the credit card limit is integral when buying a credit card. This blog covers a few important aspects that you should know about the credit card limit.

Personal Loan Disbursement Process - A Complete Guide

Do you wish to learn about the personal loan disbursement procedure? Here’s a post that lets you discover the ins and outs.

Line of Credit vs. Credit Card: Know the Difference?

Are you confused between a credit card and a line of credit? Don't know which one to select – line of credit vs credit card? Let's find out more in this insightful guide.

How to Choose the Right Credit Card for Your Needs?

Want to opt for a new credit card to get better instant personal loan deals? Here's a step-by-step guide to selecting a credit card.

Best Credit Cards in India 2024

Which is the best credit card right now in India? This blog elucidates on the best credit cards that you should consider in 2024.

Credit Card Settlement Process and Its Impact on Credit Score

Are you planning to opt for credit card settlement? Do you know how it negatively impacts your CIBIL score? Let’s find out more in this post.

Best Personal Loan Apps in India 2024-2025

Want to Apply for personal loan? Here is the list of best loan apps in India 2025. These apps are best loan apps with affordable interest rates.

How to Get Out of Credit Card Debt?

Are you credit card holder and have credit card debt? In this guide you’ll learn step by step process to get out of credit card debt.

Credit Card Reward Points – How to Earn & Redeem?

Credit card reward points are a convenient way to earn cashback and discounts. Read on to discover the ways in which you can redeem credit card rewards.

How to Close or Cancel a Credit Card? - Step - by - Step Guide

Wondering how to close or cancel a credit card with zero balance? Welcome to this post, where you will learn the five simple and easy methods.

Financial Planning Tips for Salaried Employees

What's the best financial planning for salaried millennials? This post explains how salaried employees should plan their finances with some easy tips.

Understanding Hard Inquiry and Its Impact on Credit Score

Learn everything about hard inquiry and its impact on credit score. In this post you’ll understand ins or outs of hard inquiry.

How Credit Utilization Affect Your Credit Score?

What’s credit utilization? Does it affect your score? This guide describes how credit utilization can impact your credit score and how to keep it low.

Personal Loan vs. Credit Cards Loan? Which One is Best

Personal loans and credit cards offer quick access to funds. Learn the difference between personal loan and credit cards here to make an informed decision.

Understanding Annual Percentage Rate (APR) and It's Formula

Annual Percentage Rate (APR) represents the yearly cost of a personal loan. Let’s understand about APR and formula to calculate it.

How to Get Personal Loans with Low Interest Rates

Personal loan with a low interest rate can be a crucial to deal with financial crises. Here you’ll know the tips to avail personal loan on low interest rate.

Credit Utilization Ratio – Definition, Calculation and Tips to Maintain

Let’s understand about credit utilization ratio, how to calculate, what is good credit utilization ratio, tips to maintain and its pros and cons.

CIBIL Dispute - Learn Everything About

Understand everything about CIBIL dispute like process, impact and how you can you apply for CIBIL dispute resolution.

The Complete Guide to Urgent Personal Loans

Get fast approval for urgent personal loans. Access funds quickly in times of need. Apply now for swift financial assistance.

Loan Settlement - Everything You Need to Know

You want to settle your loan application but don’t know its impact on your credit score. Here, you’ll learn everything about loan settlement.

How to Get Instant Loan Approval: Tips and Strategies

Everyone wants to get instant loan approval, but have you ever thought about how to get quick loan approval? Here, we’ll learn about it.

Debt Trap — How to Get Out of It?

In this post you’ll know about debt trap, factors that can contribute to the formation of a debt trap and way to get out of it.

Small Personal Loans: Learn Everything About It

Want to apply for a small personal loan? Here, you’ll learn everything about personal loans, process to apply, pros and cons of the loan.

Loan Default: Causes, Consequences, and How to Avoid It

Loan default happens when someone who borrowed money can't make their payments on time, as agreed in the loan agreement.

Powerful Ways to Become Financially Stable

Are you wondering how one can become financially stable? Read this article to learn how to do that and be prepared in case of rainy days.