Dussehra is a popular Hindu festival celebrated with immense joy and enthusiasm across the country. Symbolising the victory of good over evil, Dussehra is celebrated at the end of Durga Puja or Navratri when Lord Ram won over Ravana, stating that good always prevails no matter how many obstacles come your way.  The festival celebrations bring excitement during family gatherings, gifts, new clothes, planning trips and home renovations. But with all of the fun things comes managing finances to avoid overspending and stress. This is where an online personal loan can enable you to enjoy festivities to the fullest without having to worry about your pocket. This blog will explore why taking out a personal loan is a wise choice, how to apply for one via online platforms like Stashfin easily, and what financial mistakes to avoid. Why Choose a Personal Loan This Festive Season? Festivities bring celebrations and happiness, but they also come with increased expenses. Whether buying gifts for loved ones or renovating your home, managing finances during this season may feel overwhelming. Instead of stressing about the money and overspending it, you can make a budget and apply for personal loans to cover all your financial needs. Personal loans are unsecured credit offered by financial institutions and online lenders for a set duration. In recent years, personal loan companies and their apps have made it easy to apply for a loan online, charging competitive interest rates and offering flexible repayment options. This makes it a convenient and quick service, with funds sometimes transferred to the borrower’s account within a day. Benefits of Applying for Online Personal Loan With technological advances, applying for personal loans has become easy and convenient. Users can apply for a loan and get the funds disbursed into their accounts while sitting in the comfort of their homes. Online loans require less paperwork, making it easier and faster to get loans. Compared to traditional loans, personal loans are quicker for someone who wants the funds immediately. Online lenders offer a number of repayment alternatives and competitive interest rates, allowing users to choose the best option.  How to Get a Personal Loan Online Instantly? Getting a personal loan is a fast and straightforward process. Here’s a guide to help you follow the simple steps: Do your research and choose a lender that offers competitive rates, transparent terms, and an easy process.  Once you choose a reliable lender like Stashfin, check your eligibility based on income, credit score, and age. Select the loan amount and repayment tenure that best suits your financial situation. Upload required documents like proof of income, identity, and address. Once the documents are verified, the funds will be transferred to your bank account.  Why is Stashfin Your Trusted Financial Partner? When it comes to choosing a reliable platform for instant loan approval, Stashfin stands out the best. Following are the reasons why the app is trusted by many for their financial needs: Instant Approval: The platform is known for providing quick loan approvals, making users meet their urgent requirements. Minimal Documentation: The application process requires minimal to no paperwork, simplifying the process for borrowers. Flexible Repayment: Users can choose the repayment tenure per their financial condition. Transparent Terms: Stashfin avoids applying hidden charges and ensures the user is fully aware of all the terms and conditions.  User-Friendly Interface: The app interface is user-friendly and easy for borrowers to navigate, making it convenient for them to apply for a loan. Financial Mistakes to Avoid During Festive Season While online personal loans are an easy way out, it’s essential to manage finances to avoid any stress down the line. Following are the mistakes you need to avoid: Not Making a Budget: It’s essential to budget for all the expenses before festivals. Avoiding this can lead to overspending, and you may lose track of money. Don’t forget to add daily expenses like groceries and payment of utility bills.  Start Savings Early: Instead of spending a large percentage of your income, start extracting a certain amount and keeping it aside as savings. These are for the short term and might help manage finances during festivals. Delaying Repayments: Make all the repayments in the required tenure to avoid late fees and penalties. Not All Lenders Are Equal: Research all the lenders offering personal loans. This will help you find better options with competitive interest rates and terms. Conclusion This Dussehra, when celebrating the victory of good over evil, make sure to fight all the financial demons and celebrate stress-free by making smart decisions. Instead of spending all your savings, an online personal loan is a wise option to meet your festive needs. With flexible repayment options, transparent terms and conditions and an easy application process, it's safe to say that Stashfin is the platform that you can trust. By avoiding the above-mentioned mistakes, you can make the most of the loan and enjoy the festivities with great enthusiasm.

As the festive season approaches, the spirit of Durga Puja begins to fill the air. One of the most vibrant and cherished festivals, it celebrates culture, tradition and victory of good over evil. The ten-day festival (the last five days are the most important) honours Goddess Durga, who is believed to symbolise power, protection and motherhood.  From artistic pandals to cultural events to delicious feasts, the festival showcases the best of Indian culture. It is celebrated with great enthusiasm across the country but is particularly special in the eastern states of West Bengal, Bihar, and Odisha. In this blog, we’ll explore the rich history, significance, and celebrations of Durga Puja, along with some financial tips to help you manage your finances and enjoy the festivities to the fullest. Durga Puja Festival Durga Puja, also known as Durgotsava, is a Hindu festival that celebrates the victory of Goddess Durga over Mahishasura, symbolising the triumph of good over evil. It is a time to honour the goddess, seek her blessings, and celebrate the spirit of humanity.  The festival is celebrated with unmatched enthusiasm, mainly in eastern states such as West Bengal, Jharkhand, Odisha, Bihar, Assam, and some parts of Maharashtra and Delhi. However, recently, it has become a global event and is celebrated by Bengali communities in cities like London, New York, and Toronto.  While the exact origins of Durga Puja are unclear, it is believed that some of the royal and wealthy families used to celebrate the festival in the early 16th century. Over the years, the public has started celebrating with majestic and artistic pandals, stunning idols, and cultural events. Important Dates with Rituals In 2024, the Durga Puja celebrations start on October 9th and end on October 13th. However, on October 2nd, the Mahalaya event is celebrated, during which Goddess Durga is invited to earth, and her eyes are drawn on the idol.  Shasthi - 9th October - Goddess Durga descends on Earth, and her beautiful idols are unveiled. Saptami - 10th October - The Pran Pratishthan ceremony is performed, and the Kola Bou ritual takes place. Ashtami - 11th October - Kumari and Sandhi Puja to honour the victory of Goddess Durga over Mahishasura. Navami - 12th October - Maha Aarati to mark as the festival's final day. Dashami - 13th October - Goddess Durga visarjan with sindoor utsava. Significance of Durga Puja Festival Primarily, the festival celebrates the victory of good over evil. It has several other important symbolic meanings: Symbolises the power of women as the goddess is a powerful deity who won over the demon Mahishasura. The festival brings together people from all the communities to create unity and togetherness. Celebration of togetherness and symbolises the importance of family. How Is Durga Puja Celebrated? The festival is celebrated with great enthusiasm and is a perfect blend of spirituality and cultural activities. Here are the main rituals and traditions that make it a grand event:  Pandal Hopping: With unique themes, the majestic pandals with beautiful idols of Goddess Durga are created across the cities. People visit multiple pandals with family and friends and get blessings. Cultural Programs: Many artists showcase their talents and perform traditional dance, music, drama, and other cultural shows. Live events and competitions take place every evening.  Bhog: Devotees and visitors enjoy Bengali delicacies, especially Bhog (offering to the goddess). Visarjan: The end of the festival seas on Vijayadashami, when the idol of the goddess is immersed in the rivers, marking her return to her divine abode.  Stashfin: Your Financial Partner for Durga Puja With festivals like Durga Puja approaching, we understand the increase in expenses, including clothing and gifts, home decorations, and attending community events. We at Stashfin aim to relieve financial stress and allow you to enjoy the festivities to the fullest by helping you get an instant personal loan online conveniently with minimal to no paperwork. Here’s why you should consider applying for a loan from Stashfin: Quick and easy application process with minimal to no paperwork, making it hassle-free for borrowers. Users get to have transparent terms and conditions, ensuring no hidden charges. Provides flexible repayment options to make it easy for borrowers to choose as per their financial conditions. Considered one of the top loan apps, it offers a user-friendly interface that makes navigating and applying for loans easy. Tips For Planning Festive Finances If you want to be a part of the celebration truly without worrying about the finances, read the following tips: Make an estimated budget before the festival begins and include all expenses, such as travel, gifts, home renovation, clothes, etc. Since brands offer festive discounts and rewards, take advantage of them and save some money. If you have a shortage of funds and a major expense is pending, apply for a personal loan from a reliable platform like Stashfin. Track your spending to stay within the budget and avoid overspending. Conclusion Durga Puja is a festival that celebrates the power of womanhood and motherhood. It’s a time to come together with communities, family, and friends and seek blessings from the goddess. With the celebration, managing finances is also important to avoid stress. At Stashfin, you can quickly apply personal loan to cover expenses.  This Durga Puja, make memories that last a lifetime and enjoy the festivities to the fullest.

In recent years, India has witnessed incredible growth in the number of personal loans and the number of Individuals availing of instant personal loans. While the year-on-year growth of personal loans has reduced due to several reasons, the actual loan sum has crossed ₹40 Lakh Crore and is still growing at a rapid rate, whether due to need or as a tool to achieve goals and dreams.  This level of popularisation and growth in the usage and availability of urgent loan apply online is made possible through various instant personal loan apps such as Stashfin. Keep reading to find out. What is an instant personal loan, and how does it work? An instant personal loan is a credit of money borrowed from a bank or a non-banking financial company in exchange for interest repayment in addition to the principal sum in a monthly payment referred to as an equated monthly instalment or EMI. As personal loans are typically unsecured, they do not require any collateral as security and do not have any specific conditions for use, unlike home loans or auto loans, thus making it a lot easier to use for emergency expenses, consolidate loans with higher interest rates, fulfil your dreams, etc.  What are the eligibility criteria for instant personal loans? Depending on the specific lender, there are several different eligibility criteria for instant personal loans in India. These criteria range from the ages of the individuals to minimum income, existing liabilities, etc., and should be considered whenever planning to avail a personal loan. Here are some of the key eligibility criteria for availing a personal loan from Stashfin, one of the renowned lenders in India, offering instant credit to its customers from anywhere at any time, right from its app.  Citizenship- Indian Citizen Age of the borrower- At least 18-years old Minimum monthly income- At least ₹15,000 per month Good credit history Good credit score Job history at the organisation Last 6-month bank statements (Proof of finances) Proof of income tax submission Proof of business ownership and continuity (If a business owner) Audited financials from the last two years (If a business owner) Office address proof (If a business owner) Why are salaried employees preferred for instant personal loans? Whether it is due to steady income flow, higher perceived savings, greater reliability for repayment of unsecured loans, or better credit scores due to timely repayment of prior loans, individuals availing instant personal loans for salaried employees are more likely to be preferred.  This is because compared to unemployed individuals or those who are self-employed and might not have a steady income stream, salaried employees are more likely to repay the loan and not become non-performing assets or NPAs after not making repayments for at least 90 days.  Do note, however, that this preference does not mean that all salaried employees will be eligible for loans, and neither does it indicate that non-salaried employees will be ineligible for loans. In fact, unemployed individuals can also avail themselves of an instant personal loan by putting up collateral as security or having a cosigner eligible for the loan. How do you apply for a personal loan for salaried employees? Once you know the eligibility criteria to avail of a personal loan for salaried persons and have gathered the necessary documents, you can follow the given instructions to apply for a personal loan for salaried from anywhere at any time, whether it is from the convenience of your home or at a store looking to purchase the items of your dreams without having to pay high credit card interest rates. Download the Stashfin application from the Google Play Store or Apple App Store. Open the app and log in using the phone number and email address where you want all correspondence to occur.  Complete your KYC to determine how much loan you are eligible for and apply for it based on your specific needs.  Once your application is submitted and the loan is approved, you will receive the amount in your account within just a few hours. Conclusion Whether you are a salaried employee or a business owner, loans are a mechanism not just in times of need but also as a mechanism to achieve your dreams as long as the borrowing is within your means. By ensuring responsible borrowing, you can receive the funds you need to fulfil your requirements and not have to worry about having to pay back the loan.   

As human beings, it is natural to dream and want to achieve greatness and success, whether it is for oneself and to better one's life or to build a brighter future for their next of kin. There are many opportunities to spend money on better schools, larger homes, bigger cars, and lavish weddings, but in recent years, whether due to inflation, taxation, or any other factor, it has become increasingly difficult to save money or have the adequate financial means to fulfil these dreams.  This is where opting for an instant personal loan online from a reliable lender such as Stashfin makes the difference. It enables you to take charge of your finances and achieve your dreams in a much simpler, quicker, and more efficient way. This article explores the world of personal loans and compares the former with top-up loans to help you choose the right loan for your specific needs.  What is a personal loan? A personal loan is a sum of money borrowed by an individual in exchange for paying back the principal amount and a charged interest rate in equated monthly instalments (EMI) over a pre-determined period. For example, getting a personal loan for ₹1 Lakh at an interest rate of 12% for three years will result in an interest amount of ₹19,572 in addition to the principal sum of ₹ 1 Lakh with an EMI of ₹3321 per month.  Many people prefer instant personal loan online India due to their flexibility of use, quick disbursement, fixed tenure and EMI, and no collateral. Personal loans are typically unsecured, meaning that while the interest rate is higher than a secured loan, the borrower does not have to set up collateral as security. Thus, they can fearlessly get a loan without having to have collateral such as a home, car, or gold to set up as security in the first place. What is a top-up loan? A top-up loan is an additional loan that can be taken on top of an existing loan. This additional sum, along with the interest payable, is added to the outstanding balance remaining to be paid, and the repayment duration can be extended depending on the remaining tenure of the existing loan.  This is beneficial in a number of ways; it does not add another loan to remember, the interest rate can be the same or lower depending on the lender, and the loan tenure can be the same. This is beneficial when facing emergencies or unexpected expenses.  What are the differences between instant personal loan online and top-up loans? There are several ways in which an instant personal loan and top-up loans differ. Here are the differences one can expect between the two: Factors Instant personal loan Top-up loan Loan repayment duration Fixed loan duration with EMI calculated when getting the loan. The repayment duration of a top-up loan can be extended to reduce the EMI or remain the same with a higher EMI for convenient repayment. Purpose of the loan Personal loans can be obtained for any reason, granting flexibility for significant investments or expenses such as weddings, home renovations, medical expenses, etc. Top-up loans are typically used to deal with emergencies and unexpected expenses such as hospitalization. Interest rates The interest rates for personal loans are typically higher due to being unsecured. The interest rates for top-ups can be the same as those on existing loans or lower, depending on the lender's relationship. Loan amount The loan amount an individual can get depends on their needs, their financial history, credit history, credit score, replayability, debt-to-income ratio and several other factors.  The loan amount depends on the outstanding balance of payment, repayment history, individual needs, debt-to-income ratio, etc.  Approval process The approval process for instant personal loan online India varies depending on the lender's policies, fulfilling eligibility criteria, etc.  The approval process is much easier and quicker, allowing for a more efficient process.  Where to get an instant personal loan online India and top-ups? Individuals looking to get personal loan online instant approval can look for reliable lenders with a good name in the industry, such as Stashfin. Stashfin is a leading name in the industry, offering instant personal loans of up to ₹5,00,000 completely online directly from its app within minutes. With an APR starting at just 11.99% and offers such as 0% interest up to 30 days, it makes the perfect partner and lender for loans up to ₹5,00,000.  In addition to a personal loan, Stashfin offers top-up loans to its customers to cater to their needs and support them through their requirements, enabling a hassle-free and efficient experience. Do make sure to check out the policies and the app for more details to make an informed decision when getting the top-up loan. Conclusion In 2024, easy loan availability and online personal loan apply has revolutionized the options for individuals by providing them with the necessary means to achieve their goals and fulfill their dreams by taking charge of their finances. With top-up loans over personal loans, it is possible to not just deal with large expenses but also any unexpected expenses, including emergencies. So get the right loan or top-up for your needs and live and achieve your dreams without fear.   

Loans and money lending have been a part of the banking system for well over 4000 years at this point. Over the years, it has offered significant opportunities to those in need by providing them with instant cash availability. While the history of lending is not quite as positive, the potential for it has witnessed increased growth in recent years, where easy credit availability has made it possible to secure your health, buy a house, buy things to better your quality of life and many others.    This has been made possible in part due to personal loans. While even the term loan tends to scare away many individuals, borrowing using a low interest personal loan online within your means can open up a world of opportunities otherwise unavailable due to lack of finances. This article will explore all you need to know about personal loans, including how the Aug’24 budget has impacted personal loan interest rate in India. What is a personal loan? A personal loan is a sum of money borrowed by an individual from a lender in exchange for the promise of repayment of the principal amount in addition to interest in the form of monthly payments, or EMI. EMI, or equated monthly instalments, is the sum of money a borrower needs to repay the lender each month to clear away the loan at the predetermined date.    A personal loan is typically unsecured, meaning the borrower does not have to set up any collateral, such as putting their house or vehicle as a mortgage, but the return interest rates are higher than secured loans. A personal loan India can be availed based on the monthly income, debt-to-income ratio, specific lender’s rules, etc. This, along with being able to freely use a personal loan for any reason, makes it a valuable asset. How has the August 24 budget affected personal loan interest rates? The August 2024 budget has not significantly impacted personal loan interest rates as the RBI has kept the repo rate steady at 6.5% to deal with high inflation. With Indian banks charging interest rates ranging from 9.3% to 24%, according to Forbes, individuals seeking low interest personal loan online can easily do so. This is because, currently, although the rate has not increased, there is no guarantee that it won’t in the near future.  Where can a personal loan be used? A personal loan can be availed from a bank or a registered NBFC and used for several different purposes ranging from loan consolidation to using it for weddings, education, vacations, buying or renovating a home, etc. Due to its wide range of uses, personal loans are prevalent worldwide, meeting unmatched demands in recent years and having easy credit availability. From being able to buy your dream home to getting a preferred gadget, it is beneficial to get a personal loan as long as it is within one’s means and they are borrowing responsibly.  How do you get instant personal loan disbursal? If you are looking for an instant personal loan disbursal for your specific needs, you can easily download the Stashfin app from the Google Play Store or Apple App Store and follow the given instructions for quick loans.   Sign up using your mobile number. Add your personal details to check your credit limit- you can get a loan from ₹1,000 to ₹5,00,000. Complete the KYC for the next steps. You can choose the loan amount you desire and choose a repayment period ranging from 3 to 36 months.  Fill out the required information and submit the relevant documents to request a loan.   Stashfin makes it hassle-free, with loan availability within minutes from anywhere at any time, but you will only need to pay interest on the amount you have borrowed. It is, however, essential to remember that the EMI instant loan depends on the interest rate and repayment period. While longer repayment durations keep the EMI low, they can result in higher interest paid over the course of the loan repayment, which needs to be kept in mind. Conclusion In 2024, loans have become necessary for a vast majority of Indians to fulfil their dreams. This is why it is beneficial to note that the RBI has not increased the repo rate from 6.5%, thus not affecting the loan interest rate. With low-interest personal loan online, it is possible to fulfil your desires without having to worry about finances. So take charge of your finances and achieve your dreams today with a loan from Stashfin.

Raindrops and the lush green landscapes, and the crisp air - the upcoming monsoon in India holds its own charm. It’s basically the best time to rejuvenate and explore. However, when it comes to traveling in such weather, the plans might get hit by financial constraints. This is where an instant personal loans steps in.  Today, in this article, we’ll understand how you can plan a memorable monsoon vacation with Stashfin’s loan, one of the most trending financial instruments in 2024. What is a personal loan? What are its benefits for vacation planning? As the term suggests, it is a loan type offered to individuals planning to fulfil their personal needs and objectives. Unlike a home or car loan, which requires a very lengthy procedure, these financial instruments can be availed of with just a single tap on your smartphone.  Furthermore, Stashfin offers interest-free loans. This means you don’t have to worry about paying an extra penny while repaying your loan amount. No Collateral A personal loan quick cash is unsecured in nature. This means that you don’t have to pledge any of your valuable assets as collateral. This reduces the risk and makes it accessible to a broader range of borrowers. Financial Flexibility These loans offer the ability to cowl all components of your excursion, from journey expenses to lodging and sports. Unlike the credit card facility, these loans frequently include a minimal interest rate. This makes it distinctly less difficult to manipulate budget. Instant Access Applying for such a facility is an instant process, with many lenders offering instant approval. This tends to ensure that you have the necessary funds to plan and book your trip without any unnecessary delay.  Why Stashfin? One of the Best Instant Personal Loan Apps in India, we offer loans without charging any interest on personal loan, as mentioned above. Yes, you heard that right! This means that you must pay us back the amount you initially borrowed from us (T & C apply).  Our topmost priority is to offer convenience to all our ongoing and upcoming potential customers. This is because we don’t want them to face any hassle when arranging funds for their dream vacation.  Here is a step-by-step guide on how to initiate a Personal Loan on our official application: Download our official application from the Play Store (Android) or App Store (iOS) as per your device model Sign up using your official mobile number Add your personal details to check your credit limit Complete KYC With these four steps, you can easily apply for a personal loan facility at Stashfin. Once our team scrutinizes your application and approves it, the amount will be credited to your account immediately.  Conclusion If you are planning your dream vacation, a wise decision is to not exhaust your savings. An instant personal loan gives you a very quick solution to plan your trip, and with Stashfin, you don’t have to worry about paying any extra amount.  So, what are you waiting for? Download our application today and explore the unexplored places without any stress!  Read more: Escaping a Debt Trap Using a Personal Loan: Strategies and Tips