Guides
How lending actually works, written by people who did the underwriting.
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How to Become a Loan DSA in India (2026 Guide)
A practical guide to becoming a Direct Selling Agent for loans: who qualifies, how registration works, what you earn per product, and the RBI rules you must follow.
Home Loan Balance Transfer: When It Saves Money and When It Does Not
The arithmetic of switching lenders: rate difference, remaining tenure, costs and the repricing alternative, with a worked example and a simple break-even rule.
How to Spot a Loan Scam: Fake Agents and Advance Fees
The patterns behind India's most common loan frauds, the checks that take two minutes, and what to do if you have already paid.
Borrowing basics
3 guides
Personal Loan Eligibility: How Banks Actually Decide
The five inputs behind every personal loan decision: income, FOIR, credit report, employer profile and stability, with worked examples and practical fixes.
Loan Against Property vs Personal Loan: Which Is Cheaper for You?
Cost, speed, amount, risk and tax treatment compared, with the situations where each product wins and a worked comparison on a ₹20 lakh need.
Personal Loan for Self-Employed: Documents and Eligibility
Why self-employed applicants face more scrutiny, the documents that prove income, banking-based programmes when ITR understates earnings, and alternatives that are cheaper.
Home loans
2 guides
Home Loan Balance Transfer: When It Saves Money and When It Does Not
The arithmetic of switching lenders: rate difference, remaining tenure, costs and the repricing alternative, with a worked example and a simple break-even rule.
Fixed vs Floating Home Loan Rate in 2026: Which Should You Choose?
How repo-linked floating rates work, what fixed and hybrid options really offer, and how to decide with the repo rate at 5.25% and the cycle where it is.
Credit and scores
2 guides
How to Get a Personal Loan with a Low CIBIL Score (and When Not To)
Realistic options for scores below 700: which lenders consider you, what it costs, secured alternatives that are cheaper, and how to rebuild the score in six months.
Understanding Your CIBIL Score and How to Improve It
How the score is built, what each range means to a lender, the five factors that move it, common myths, and a 90-day improvement plan.
Partner programme
2 guides
Loan DSA Commission: How Much Agents Really Earn
How DSA payouts are calculated, why percentages differ by product, what a realistic monthly income looks like, and the clawbacks and deductions to watch for.
How to Become a Loan DSA in India (2026 Guide)
A practical guide to becoming a Direct Selling Agent for loans: who qualifies, how registration works, what you earn per product, and the RBI rules you must follow.
Safety and compliance
3 guides
RBI Rules Every Loan DSA Must Follow in 2026
The Digital Lending Directions 2025, the 2026 draft directions on marketing and sales, the DPDP Act, and what they mean in practice for agents who source loans.
How to Spot a Loan Scam: Fake Agents and Advance Fees
The patterns behind India's most common loan frauds, the checks that take two minutes, and what to do if you have already paid.
How to Read a Key Fact Statement (KFS) Before Signing Your Loan
Line by line through RBI's standard loan disclosure: APR, fees, EMI schedule, prepayment terms and what to do if something is missing.
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