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Tata Capital > Blog

Will the Third Wave Lower the Home Interest Rates?

India is currently facing the third bout of COVID infections. While its impact is predicted to be less severe than the previous two waves, it will nonetheless bring an economic slowdown for a couple of quarters.

Due to this slump, RBI is unlikely to raise the interest rates on housing loans for at least six months, making it a great time for homebuyers to invest in their dream home.

However, with the home loan reduced interest rates reaching rock bottom during the first two waves, you may be wondering whether they’ll go down even further during this wave. Before we answer that, let’s understand how the interest rates are decided in the first place.

How are interest rates decided?

In India, the interest rates that banks offer on home loans are directly regulated by the Reserve Bank of India (RBI). To bring any changes to the overall market interest rate, RBI sets a repo rate, which is an interest rate at which both public and private banks can lend money from RBI.

Naturally, the lower the repo rate is, the cheaper it will be for banks to borrow from the RBI. As a result, banks can help themselves forward the borrowed money to the consumers at a lower rate.

RBI usually increases the repo rate to keep inflation in check. However, since many businesses shut down due to lockdowns, the RBI lowered the repo rate significantly (from 6.25% to 4%) in May 2020 to compensate for the ensuing economic depression. And RBI is yet to change the repo rate. This means that interest rates are at an all-time low.

Additional Read – Changes in Home Loan Interest Rates After Coronavirus

Will home loan interest rates go down?

Given that the third wave is significantly less dangerous than the previous two and there are no new lockdowns, it’s unlikely for the economic slump to be as severe or continue as long as those from the previous two waves. In short, there’s no reason for RBI to drop the repo rates further.

Moreover, given the fantastic real estate performance in 2021 and increased supply, the demand for housing loans is currently at its peak. Therefore, lowering the interest rates further may be detrimental for the banks.

Plus, India is currently facing record inflation rates. So, if anything, RBI may increase the repo rates in the coming months rather than reducing it, which will bring up the housing loan interest rates.

In a nutshell, it’s highly improbable for the home loan interest rates to go down any further, even with a third wave.

Additional Read –Why Would 2021 Have a Low Home Loan Interest Rate in India?

Parting thoughts

If you’re waiting for the third wave to bring down interest rates, that’s unlikely to happen. However, you can secure lower-than-average interest rates with Tata Capital’s super affordable housing loans. Apart from the low rates, you also get speedy loan processing and disbursal, flexible repayment tenures, and easy-to-meet eligibility criteria.

Use the home loan EMI calculator on our website to get started with the planning today!

Here are some Investment Tips by Experts for Post-pandemic World

Since December last year, the coronavirus has been making the world fragmented, weak, and panicked. Death tolls in even the most medically advanced countries are steadily rising. Since vaccines are still under development to fight against this deadly pandemic, coronavirus lockdowns seem to be the only solution governments can come up with.

India, home to 1.3 billion people, has been shut for almost two months now, except for a few cities. Even though the COVID-19 pandemic is a healthcare crisis, many experts are comparing its economic impacts to the 2008 financial crisis and the Great Depression. In such times, growth projections for leading industries and financial sectors are showing a downward curve.

Additional Reads – What Should you do When Economy is Slowing Down?

However, once this crisis subsides and India gradually lifts its coronavirus lockdown, you must prepare to regain your financial footing. Therefore, as markets reopen, you must know of a profitable place to park your funds.

The Do’s and Don’ts of Investing After the COVID-19 Pandemic

Given these tough times, you might be wary and confused about investing your savings. Don’t fret! Here is some expert advice about market investments once coronavirus in India ends.

1. Stay Away From the Stock Market

Usually, an attractive investment opportunity, the stock market is a risky place to put your money right after the pandemic. Almost every political, social, and fiscal change or news affects the market. As the coronavirus in India is already harassing your previous investments, try to stay away from the stock market in upcoming months.

2. Try Commodity Trading

One of the busiest places to trade in, commodity markets include traders investing in everything from grains and oil to gold and precious metals. While one significant way to engage in commodity trading is investing in stocks of companies that are related to the thing you are interested in, it is still a risky method, especially amidst COVID-19 in India.

The best way to engage in commodity trading is to purchase actual assets and have a broker hold them until you wish to sell them. The risk involved in such investments is minimal, and the liquidity and volatility are high.

3. Invest in Forex

Forex trading is undoubtedly one of the most preferred and attractive investment markets for amateurs and professional investors alike. This market sees trades of billions of dollars every day and is mostly uncomplicated. Since forex trading does not require an extensive stock portfolio, almost anyone can engage in the market with the help of an online broker. But, be sure to keep a vigilant eye on currency values and invest as soon as the coronavirus lockdown solutions relax market restrictions. The tips mentioned above will guide you and your finances in these unprecedented times. No matter how attractive an investment opportunity seems, understand your capabilities, options, and liquidity details. Hopefully, coronavirus lockdown solutions advocated by governments and institutions will ease investment possibilities very soon after the COVID-19 in India ends.

How Will Economy Affect the Day to Day Life in Post Pandemic World?

Our present and future hang in a delicate balance, amidst the continually evolving COVID-19 pandemic.  And, what’s worse is the vaccine against this virus is at least a year away from even the most privileged members of society.

Strict coronavirus lockdowns are in place across the globe to tackle the pandemic. The Indian government, too, imposed a lockdown in late March, which is still in place. Businesses across the country are closed for more than two months now, and those in the process of reopening will take a long time to get back in shape financially. Amidst strict lockdowns and crumbling markets, the coronavirus’ impact on the economy cannot be negated.

Additional Read – The Economic Impact of Coronavirus, Explained

COVID-19 and the Indian Economy

Unfortunately for India, the economy was already in splits since demonetization in 2016. To make matters worse, this virus entered our borders, imposing a countrywide coronavirus lockdown. Today, finances of both big and small businesses are somewhat in shambles, and it is impossible to predict the extent of the financial downturn.

The GDP is expected to fall much below 4%, a record low for a country of 1.3 billion people. Such a sharp decline in revenues and GDP is the reason why COVID-19 in India will most likely be our worst financial crisis to date.

Sectors like export and tourism took the worst hit due to the sudden spike of COVID-19 in India. Cities and states that relied chiefly on tourism and hospitality saw people losing jobs at an alarming rate. According to a McKinsey report published in March, bankruptcies and corporate layoffs will be disturbingly high this year. The demand for consumer goods will continue to reduce as people will further cut down spending. The only sector expected to stay afloat amidst the coronavirus in India is the financial sector, since substantial capitalization, and regulations govern India’s financial institutions.

Additional Read – Finance Ministry Measures to tackle COVID-19 Economic Slowdown in India

How Will the Crashing Economy Affect You?

Complex economic projections and disheartening news are probably bombarding your senses round the clock. With several coronavirus lockdown solutions being designed by the government and the lockdown being slowly lifted, you must understand what these projections, data, and news mean for you.

  • Telecommunication and internet have allowed many businesses to operate remotely. You might have also spent the majority of the lockdown working from home. Prepare to do so in the near future as well. Even if authorities relax the lockdowns, businesses won’t be able to start in-office operations immediately.
  • You should expect a significant decline in revenue if you own a business in tourism, hospitality, or exports sectors. There can be no accurate projections of when your business will revive. MSME’s might see slight stabilization in revenue, but loans and managing costs will trouble small business owners in the upcoming months.
  • Supply lines of pharmaceutical products and medical devices will improve, and their demand might increase.
  • Stock markets will continue plummeting as investments reduce. Loans, if made cheaper, will save several sectors like real estate.

As the government introduces more coronavirus lockdown solutions to revive the economy, most of you can hold your breath and hope for the best. The coronavirus in India has induced panic and uncertainty, but it will not last forever. With new fiscal policies, patience, strength, and trust, the world economy will soon gain a firm footing and begin to normalize. Until then, stay at home, maintain hygiene, and be patient.

Prepare your Business to Grow After the Lockdown Ends

As emotionally draining the lockdown and pandemic have been for people around the globe, the economic repercussions have been far more alarming. Right from households to businesses, everyone has suffered a setback to an extent. 

The time has been particularly tough for companies that have seen a sharp fall in demand for their products and services and have been unable to supply their items in the market. But as the popular adage goes, ‘this too shall pass,’ and when it does, this is how you can prepare your business to grow after the lockdown. 

Plan your business’ cash flow

The most vital aspect of a business is its capital. Most enterprises have suffered heavy financial losses due to the pandemic. Applying for a business loan online can help you cover all probable costs. Women can also consider opting for a women entrepreneurs loan. With comfortable tenures and competitive interest rates, you can ensure smooth cash flow to your business and ensure its growth as soon as markets reopen. 

Make a list of your needs

You may have to make several modifications to the way you ran your business before the lockdown was imposed. It is highly likely for some states to remain closed for such an extended period; some may open partially, and some might be fully functioning. 

You must make a list of all your suppliers, employees, distributors, etc., and check how many members of your staff will be available to work post lockdown. If you find any missing links, you need to start looking for backups immediately. People are essential cogs of your business operations. Without them, it would be practically impossible to function and grow your business. 

Take advantage of government schemes

Advantage of Government Schemes for Businesses

You are not alone in your struggle. Most other small and big enterprises are suffering heavy losses right now. Thankfully, the government has taken active steps to ease some of these problems. For instance, the finance minister announced a Rs 20 lakh crore stimulus package for micro, small and medium enterprises (MSMEs). In addition to this, the government has also announced collateral-free quick business loans. Keep an eye out for these schemes and see if your business can benefit from them. 

Additional Read: 3 Lakh Crore COVID Relief Package for MSMEs: How will this benefit the MSMEs and Start-ups?

Maintain a virtual presence

Some businesses are taking online orders and keeping the buzz around their products high, even during the lockdown. Your business’ online presence on social media, advertising, etc., can be a great strategy to keep the demand for your products and services flowing. You can start with deliveries nearby and move to the city or nation-wide deliveries as restrictions ease out. A loan for business can help you create and maintain your online presence without any financial worries.

Conclusion 

It may take some time for things to return to normal. As long as you are well prepared, you will not have much to worry about. The more important thing here is to utilize this time and come up with a business plan that can help you grow your profits and cover-up for the previous months’ losses. And you can always opt for Tata Capital business loan to get your operations back on track. Minimal documentation, attractive interest rates, flexible repayment terms and tenure, etc., are some benefits you get when you apply for business loan from Tata Capital.

Additional Read: Benefits of using a Business Loan after Lockdown ends

How to use a business loan effectively after the lockdown ends?

The COVID-19 pandemic and the subsequent lockdown has been emotionally, physically, and financially hard on people. Many have lost jobs while some have had to go through pay-cuts. While salaried individuals struggle with a limited source of income, the lockdown presents a lot more hardships for business owners. A person running a business is not just responsible for his/her income but may also be accountable for paying employees and investors. A viable option to get a business up and running after the lockdown ends is by taking a loan for business. 

Uses of a business loan after the lockdown:

Make up for the lost inventory: Businesses like retail or wholesale stores that engage in buying and selling of goods may need to replenish their stock as soon as the lockdown ends. They may see a spike in orders as many people will try to cover up by ordering more. An instant business loan can be used to cover the costs of new inventory and allow the business to refuel its operations.

Refinance other accumulated debt: Despite the lockdown, many entrepreneurs have not stopped paying their employees’ salaries. Many businesses have also incurred heavy losses with a fall in sales contributing to the overall debt. One can take advantage of the competitive business loan interest rate and refinance all debt with a single loan.

Refinance other debts

Make a website: The lockdown has made it evident that the future lies in the digital world. Companies can use the loan effectively to build a website for the business that can be used later for running daily tasks like accepting orders, assigning work to employees, and more.

Marketing and advertising: One of the best ways to help a business get back on its feet is through advertising and marketing. However, this can be expensive. Quick business loans can help cover such costs and help bring more visibility to a business.

Think long-term: Getting a business loan online is a smooth and hassle-free process. The loan applicant can have the funds credited to the company’s account in no time. However, a sudden surplus of money can sometimes be used ineffectively. Therefore, it is essential to have a comprehensive budget in place that takes care of all long-term business needs while avoiding wastage of money. 

Additional Read: Benefits of using a Business Loan after Lockdown ends

Conclusion

It is hard to predict when the lockdown is likely to be lifted and to what measures will businesses be able to take to run operations smoothly. This uncertainty can further give rise to more financial anxiety. A business loan can help entrepreneurs tackle some of this uncertainty with a well-structured finance model. It can help both big and small companies to get back up on their feet.

If you need funds for your business after the lockdown ends, you can reach out to Tata Capital and apply for business loan at attractive interest rates and convenient tenures.

Additional Read: COVID-19 Outbreak: Ways To Manage Cash Flow for your Small & Medium Businesses

How to make your business ready to face any disaster

Starting and operating a business requires a lot of focus, determination, and grit. Ensuring smooth operations does not just depend on your hard work but is also affected by various other factors like demand and supply, the economy, market fluctuations, etc. Despite the several uncertainties that surround your business, here are some tips you can follow to help ensure your business is ready to face any crisis.

Ensure liquidity at all times

Money is fuel for your business. As long as you have enough capital, you do not need to worry about the smooth functioning of your daily operations. It is crucial to maintain a strict budget in place and be aware of how and where you use your company’s funds. As a business owner, you must always plan ahead for the next quarter and ensure that you have sufficient money. 

If you struggle with liquidity issues, you can always use a business loan. There are also various unique loans explicitly crafted for small businesses and women entrepreneurs. If you find yourself facing financial problems and think your business is headed for troubled times, you can take advantage of an SME business loan or women entrepreneurs loan. 

Additional Read: COVID-19 Outbreak: Ways To Manage Cash Flow for your Small & Medium Businesses

Maintain an emergency fund

Just like personal finance, an emergency fund is also essential for a business. The current pandemic has taught business owners many lessons, one of which is that a crisis can knock at your door at any time. Many thriving businesses have abruptly gone out of work and are unable to function due to social distancing norms. An emergency fund, or a loan for business, can be helpful to make up for such trying times.

Manage your debt efficiently 

Manage Your Debt Effectively

Debt can come in the way of your business’ growth. This is why it is crucial to manage it well and repay your outstanding bills as soon as you can. If you have multiple debts and loans, you can consider refinancing it under one loan. Business loan interest rates are quite competitive and can be used in these times of financial constraints. 

Identify cost-cutting possibilities

You should check for areas where you can cut costs without hampering the productivity of your overall operations. This can include cutting down on hiring and spending on expensive and avoidable equipment, office furniture, excessive advertising and marketing. Understand the core needs of your business and allocate your funds accordingly. Try to cut costs wherever you can and redirect this money to your emergency fund to prepare for any unforeseen contingency. 

Conclusion 

Managing a business is a tough job. While you get to be your own boss, you also receive a gamut of responsibilities in return. Aiming for profits, better visibility, and a large customer base is every business’ primary goal. But it is also vital to be prepared for an unprecedented financial disaster. 

If you find your business struggling financially and need funds, you can check out Tata Capital instant business loan. You can get a loan for up to Rs. 75,00,000 at tenure and rate of interest you are comfortable with.

Additional Read: Benefits of using a Business Loan after Lockdown ends

Benefits of using a Business Loan after Lockdown ends

The COVID-19 pandemic and the subsequent lockdown has been emotionally, physically, and financially hard on people. Many have lost jobs while some have had to go through pay-cuts. While salaried individuals struggle with a limited source of income, the lockdown presents a lot more hardships for business owners. A person running a business is not just responsible for his/her income but may also be accountable for paying employees and investors. A viable option to get a business up and running after the lockdown ends is by taking a loan for business. 

Additional Read – 10 Benefits of Taking a Business Loan

Uses of a business loan after the lockdown:

Make up for the lost inventory: Businesses like retail or wholesale stores that engage in buying and selling of goods may need to replenish their stock as soon as the lockdown ends. They may see a spike in orders as many people will try to cover up by ordering more. An instant business loan can be used to cover the costs of new inventory and allow the business to refuel its operations.

Refinance other accumulated debt: Despite the lockdown, many entrepreneurs have not stopped paying their employees’ salaries. Many businesses have also incurred heavy losses with a fall in sales contributing to the overall debt. One can take advantage of the competitive business loan interest rate and refinance all debt with a single loan.

Refinance other accumulated debt

Make a website: The lockdown has made it evident that the future lies in the digital world. Companies can use the loan effectively to build a website for the business that can be used later for running daily tasks like accepting orders, assigning work to employees, and more.

Marketing and advertising: One of the best ways to help a business get back on its feet is through advertising and marketing. However, this can be expensive. Quick business loans can help cover such costs and help bring more visibility to a business.

Think long-term: Getting a business loan online is a smooth and hassle-free process. The loan applicant can have the funds credited to the company’s account in no time. However, a sudden surplus of money can sometimes be used ineffectively. Therefore, it is essential to have a comprehensive budget in place that takes care of all long-term business needs while avoiding wastage of money. 

Conclusion

It is hard to predict when the lockdown is likely to be lifted and to what measures will businesses be able to take to run operations smoothly. This uncertainty can further give rise to more financial anxiety. A business loan can help entrepreneurs tackle some of this uncertainty with a well-structured finance model. It can help both big and small companies to get back up on their feet.

If you need funds for your business after the lockdown ends, you can reach out to Tata Capital and apply for business loan at attractive interest rates and convenient tenures.

COVID-19 Outbreak: Ways To Manage Cash Flow for your Small & Medium Businesses

As the world grapples with the COVID-19 pandemic, businesses are put to the test. They’re running on long and uncertain timelines and dealing with significant cash flow problems. The virus has shut down cities, forced teams to go remote, brought travel to a halt, upended supply chains and curtailed the demand for everything but essentials. All of these are affecting businesses and impeding the revenue-generating capacity of organizations.

During times of great uncertainty, your company’s success depends on how you pivot and respond.

To make things easier for you, here are some tips for managing the cash flow of your business during these testing times:

1. Consider new ways to deliver your product or service

It’s time to adapt to the current situation and start getting creative to maximize the inflow of cash. How? Going online is the answer since you can no longer engage with customers in person.

Many dine-in restaurants and hotels are offering pickup and online ordering options. Gyms are offering virtual classes and expanding their customer base to kids while banks are introducing mobile payment schemes, business loan online and more.  

Selling online can help you retain your existing customers, while also potentially opening your market to people beyond your geographic area. 

​2. Adjust your goals and strategies 

It may not make sense to throw away years of strategy to move in a different direction. So, rather than adopting a ‘sit-and-wait’ approach, as a business, you need to adapt your goals and strategies and substitute/boost avenues of revenue. 

Before you decide, pause and think of the direction you need to go in. Think of long-term solutions like improving efficiency by outsourcing some functions; export companies can look at selling in the local market or a loan for business for a smooth flow of operations among other strategies.    

3. Consider your borrowing options

Business Loan during lockdown

A solution to curb cash flow is to bring money into your business. Financial relief can be sought through a business loan. Apply for a business loan if you’re looking to meet short-term liquidity needs. An instant business loan allows you to have some money in hand to replace your lost earnings, pay your bills, pay your rent and overheads, revamp marketing and sales and more. 

Additional Read – Tips for Getting your Business Loan Approved in First Attempt

​4. Plan for the recovery 

As a business, you should be careful about the decisions you take during such difficult times. Make sure they don’t obstruct your ability to resume operations when things get back to some semblance of normalcy.

Not having a plan to resume operations, cutting ties with key suppliers or reducing payroll may forestall the firm from getting back to business as usual.

Also, think about how you may need to amend your business model to a post-pandemic world. For example, even though clients and employees can return to physical locations, will you continue to conduct operations virtually?

5. Stay strong

Remain alert, agile, flexible and responsive enough to take the needed actions to safeguard your enterprise.

It’s critical that you have access to accurate information, insights and experts. Whether quick business loan or advice, Tata Capital is here to help and support as you navigate through the effects this pandemic may have on your business. 

Will My Personal Loan Eligibility Be Impacted During Lockdown?

The COVID-19 led outbreak has put many individuals under financial stress. With the lockdown in effect, the situation has gotten worse for those facing a severe cash crunch. In such testing times, getting a personal loan seems to be the only option left, for a financial re-ordering. However, a question lingers:

Has the lockdown impacted personal loan eligibility? The answer is both yes, and no.

The eligibility conditions to apply for personal loan remain as they were pre-lockdown. But the financial sector is feared to have been affected adversely. And with the increasing pay-cuts and job losses, more borrowers are likely to default. This situation raises concerns for the lenders who might exercise stringency in estimating personal loan eligibility.

In this article, we will explain the personal loan eligibility factors that will be impacted by the lockdown and how.

Income

Even as lenders soften their loan terms, without adequate monthly income, personal loan applications won’t be approved. Your monthly income is the most critical factor in your financial profile as it represents the ability to repay a loan while meeting your monthly obligations.

However, due to the pandemic, many are experiencing a financial crunch, and the economy has been on the decline. Given the gravity of the situation, this personal loan eligibility factor will be impacted the most. Therefore, ensure that you add additional sources of income from passive sources, like a rented property, contribute towards your monthly income and enhance your creditworthiness.

Additional Reads: Tips to Manage Your Finances During Coronavirus Lockdown

Debt-to-income ratio

The finance sector will most likely be swamped with lousy credit flow in the wake of lockdown. With many people going through lowered income growth and job losses, there will be a simultaneous increase in credit seekers. This scenario poses a problem for the lenders who will respond with stricter eligibility conditions. Hence, for personal loan seekers, having a good debt-to-income ratio can come handy.

A financial profile that has too many obligations is preferred less by the lenders since it suggests a higher percentage of debt-to-income ratios. Typically, a debt-to-income ratio value that is below 50% is considered ideal for instant personal loan approval. A rate higher than this will suggest a higher risk of default.

Employment stability

When you apply for a personal loan, lenders tend to check how stable your employment is. Stability in employment translates to a steady stream of income. This directly affects your ability to repay a loan without defaulting. Additionally, lenders also inspect the economic sector and the company you work for since their stability is directly linked to yours.

Especially now, the stability of your employer will be regarded highly. The pandemic has already harmed several sectors, and it is hard to determine how it will continue to affect the economy further. In such a situation, lenders may steer away from your personal loan application if your employer’s stability is compromised.

In summation

With the widespread panic and anxiety due to the pandemic, taking out a personal loan is most likely to ease your financial burdens. Moreover, with RBI cutting down the repo-rate, interest rates on several loans have also been mitigated. Therefore, ensure that you fulfil the criteria mentioned above to apply for personal loan.

You can secure a personal loan online. For an easy and seamless process, get in touch with us today!

Tips to Manage Your Finances During Coronavirus Lockdown

The shifting nature of the COVID-19 pandemic has left us praying for normalcy to return. Anxiety and fear have reached the recesses of our collective psyche. Even thinking about tomorrow seems futile in the face of contagion. And with the economic slowdown and the financial crisis testing our survival, the world paints a dismal picture today.

However, this too shall pass! But until it does, how does one prepare for the future? The answer lies in the way we manage our finances – and availing a personal loan is one such solution.

Here are a few tips that can help with better finance management-

Frugality for the win

In such a difficult financial crisis, being frugal can be a colossal aid. Start by identifying the household essentials and separate them from household items that you can do without. Doing this will help you in keeping a check on your expenses. For instance, you can begin by cancelling unnecessary subscriptions that might be racking up the bills. By cutting down on such non-essential items, you can also save more.

Re-budget

Come up with a budget that cuts down on unnecessary expenses and focuses only on the essentials. Since the pandemic is still largely unpredictable, it is wise to control spending on luxury items. Any frivolous expenditure on entertainment or food items must be cut back. Allocate a budget for household needs that leaves enough money for the savings.

Additional Reads: What are the Steps Taken by the Government to Fight Coronavirus in India?

Avoid panic buying

It is understandable why you would want to stock up on groceries. However, you must refrain from indulging in panic buying. Overspending simply because of the pandemic’s uncertain nature will affect your financial health adversely. Even worse, it will lead to a shortage of supplies for other people. And right now, it is just as important to think of the community as you think of yourself.

Use e-wallets for making purchases

From safety’s POV, it is better to use e-wallets for making purchases. With the mandated practice of social distancing, e-wallets are ideal modes of payment. Minimise visits to banks or ATMs as these locations are frequented by many people. Instead, make use of e-wallets, UPI, or online banking facilities to make financial transactions. There are also several benefits and rewards that you can reap by merely using these modes of payment.

Keep an emergency fund

The unpredictability of COVID-19 cannot be emphasised enough. It has led most of us to rethink our priorities and concerns when it comes to creating a household budget. Therefore, seeing as the impact of the pandemic will last long, having an emergency fund can come as a blessing. By simply cutting down on non-essential expenses and optimising alternate sources of income, you can save up money for future needs.

Additional read: How Can a Personal Loan Help You Overcome Financial Crisis During Lockdown?

In summation

The tips mentioned above can assist you in managing your finances better. However, no matter what measures we take, some of us might be unable to come out of the crisis. In that case, taking a personal loan can help you meet your financial needs.

Apply for personal loan with us. We offer instant personal loans at competitive ROIs with minimal documentation. You can also apply for a personal loan online by logging on to our website today!