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Most of the banks and NBFCs provide MSME loans to Micro, Small and Medium Enterprises. The interest rates on the MSME loans range from 8.50% to 17% depending on the business profile and internal policies of the lender. The best bank for MSME loans can be the one that caters to your requirement at lower interest rates. It purely depends on your business credit profile and the lender’s policies. The following are the interest rates offered on MSME loans by various lenders.

Yes, a housewife can get a state pension by signing up for ‘Atal Pension Yojana’ which was launched by the government in 2015. The scheme can be availed by all citizens, including housewives between the age limit of 18 to 40. The subscriber should have a savings account which will be linked to the pension scheme. The premium can be paid from the savings account through an auto-debit facility or other payment methods.

For all types of loans (secured and unsecured), the applicant must show proof of income so that lenders can evaluate your repaying ability. Although a housewife works hard for the family’s well-being, she is still treated as a non-earning member. Despite this, there are options to become eligible for loans.

Loan duration and EMI are the two important factors that determine your debt burden. When you take any loan, these two factors are fixed up front before the approval. Based on your acknowledgement, the loan amount is disbursed after agreeing to the terms and conditions. If the EMI amount is higher, the loan tenure may be lower and if you have low EMI amount, the tenure may be longer depending on the loan amount.

A debt consolidation loan is a loan that helps you pay off all your pending debts: unpaid loans or credit card debt. Multiple debts are combined into one single debt where you get more lenient payoff terms. This debt can be paid off in EMIs through a debt consolidation loan. In the long term, if you pay your EMIs on time, your credit score will eventually increase.

A MUDRA loan can be borrowed from most of the lending banks and NBFCs in India. Pradhan Mantri MUDRA Yojana (PMMY) is a scheme that was launched to provide loans up to Rs. 10 lakhs to the non-corporate, non-farm small/micro enterprises.


Using a KrazyBee loan, students can purchase anything online via an easy EMI option. If you are looking forward to purchasing a laptop or need funds to get through your college semester, you can get your money from KrazyBee. There are a few steps that you would need to follow to get the money you need for your purchases.


HDFC Bank provides Insta Loans to all the HDFC Bank credit cardholders against their credit limit. One can avail Insta Loan based on their eligibility. Closing the Insta Loan is much similar to closing all other loans. After completing all the repayments, you can call up the customer support of HDFC Bank to request for a ‘No Objection Certificate’ (NOC).

Lenders see individuals with bad credit as risky borrowers. Upon that, an unsecured loan contains more risk to the lender as there is no collateral involved. Due to this reason, the interest rate on unsecured loans are generally higher.


Every bank has its own internal policies in calculating the loan amount that one will be eligible for. It is mainly calculated based on the monthly income of the applicant. One of the criteria is your EMI will be structured in such way that it should not cross more than 40% to 50% of your monthly income. If your earning Rs. 25,000 per month, your maximum EMI towards a personal loan can be up to Rs. 12,500.


It’s not possible to get two loans on the same house as the property can be used as the collateral for only one loan. However, both can apply jointly for a single loan on the same house. Having spouse as the co-applicant is the best combination for getting higher approval on a housing loan.


As the term suggests, quick loans are available within a few hours of application. It is different from the traditional loans that are available with banks and financial institutions. Most lenders have an easy registration process, wherein your basic details are requested and verified. The verification process is completed in no time to ensure money is disbursed. If you are eligible for a quick loan, the lender will immediately transfer the required funds into your account.  


Bajaj Finserv is a Non-Banking Financial Company (NBFC) that provides a wide range of financial products and services. Each financial product from Bajaj Finserv will have certain eligibility criteria that must be fulfilled in order to get approval for the respective credit. For example, if you are applying for a personal loan, the following eligibility criteria are required.

There are online lenders who provide quick loans exclusively for individuals who have bad credit history. All you need to do is to just fill out an application form and submit it online. The lender may have listed out the required documents and minimum credit score required to become eligible for the loan with bad credit. 

Banks extend hassle-free funds to farmers who are involved in crop production and allied agriculture activities. Lucky you are if you have gold jewels and get loans for agriculture. The lowest interest rate on gold loans can be availed from banks for purely for agriculture purposes.

Having a bad credit can sabotage your chances of getting a good loan. However, the chances are not completely ruled out. With the digital technology, you can explore the options. Following are some of the ways through which you can get a good loan even with a bad credit.

Getting a loan or credit card with bad credit could be quite a challenging task as the lender would expect a decent repayment ability from the borrower. However, the options are not completely ruled out. Following are the ways using which you can secure credit with a bad credit score.


Applying for loans and getting approvals from the bank is a tedious process as there are many documents / collaterals that you will have to furnish to the bank. The bank decides to approve your loan application based on your capacity to repay the loan amount and your credit history. If you have a steady source of income and a good repayment history, banks will offer you loans. But if you are unemployed, the scenario might change, even though it is not impossible to get a loan.   


Canara Bank offers attractive interest rates to a wide range of agriculture loan products. Below is the table that lists out the different rate of interests for different loan amount: 

Canara Bank provides around 30 loan schemes for agriculture and allied activities. These can be availed individually or jointly as a group. Following are some of the common eligibility criteria to avail the agriculture loan facility.

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