Personal loans can be extremely useful to meet big-ticket expenses like home renovation, weddings, medical treatment etc. However, one key eligibility criterion for personal loans is income proof through salary slips. This leaves many self-employed professionals, business owners and freelancers wondering. According to the Centre for Monitoring the Indian Economy, 83% of India’s workforce operates in the informal sector as of 2022. how do they get a personal loan without salary slips?

Though most lenders insist on salary slips, getting a personal loan without them is not impossible. In this post, I will share actionable tips and alternate documentation that can help you get personal loan approval even without formal salary proofs.
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Are you looking for a quick loan approval, you may feel frustrated if you have a low CIBIL score or no credit history. Traditional lenders like banks and NBFCs rely heavily on your credit score provided by CIBIL to determine your loan eligibility. But having a poor or no credit score shouldn't stop you from accessing funds in an emergency.

This comprehensive guide will help you to get instant loans without depending solely on your CIBIL score. By evaluating alternative options, you can meet your urgent financial needs even with bad credit.
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The financial industry transformed completely with the advent of AI. Fintech is using AI to improve speed and efficiency, enhance customer experience, provide personalized financial services, detection and prevention of fraud.

Artificial intelligence and financial technology have transformed India’s lending sectors. Harnessing AI and fintech innovations can help you secure optimal loans with lower interest rates faster than traditional methods. The lending industry is one of the sectors that AI most impacts.

In this post, we’ll explore how to leverage technology for an efficient and cost-effective loan application process. We will discuss the benefits of AI in the lending industry, and how AI is being used in the lending industry.
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The Employees' Provident Fund (EPF) is a retirement benefits plan provided by the Employees' Provident Fund Organization (EPFO). Every month, both the employee and the employer contribute 12% of their basic income and dearness allowance to the EPF. EPF is a tax-saving strategy that allows investors to earn much higher interest rates. The Employees' Pension Scheme receives a share of the employer's contribution (8.33% out of 12%). (EPS). Continue reading to learn everything you need to know about the EPF system, including interest rates, eligibility, contribution, withdrawal, and online account administration.

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Your creditworthiness is indicated by your credit score, which is a three-digit figure. It demonstrates to the lenders your level of risk as a borrower. It is predicated on a credit report that comprises information on an individual's debt, payment history, quantity of credit accounts, and other elements.

Your credit score is one of the most significant figures in your financial life. It has a significant impact on credit card interest rates, insurance premiums, loan approval rates, and interest rates, among other things. However, what precisely is this enigmatic three-digit number?

We'll explain how credit scores are calculated in this post so you can learn how to raise your own. Let's examine the main variables at work and how each impacts your credit standing.

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