Imagine you’re attending your favourite band or singer’s concert with friends and lost in the rhythm of live music. The concert season is here, and it’s the moment you’ll cherish forever. But what about the cost of concert tickets, food and accommodation? These are the expenses that are added to the total cost and may cause you to panic. Fortunately, the concert funding is not as daunting as it sounds. With Stashfin’s personal loans, you can manage all the expenses wisely without any stress and turn your musical dreams into reality. Costs Included to Attend Concerts While you must be excited to see your favourite artists perform live, here’s a quick overview of what you might need to make a budget for: Ticket Prices: First and foremost, the prices of the tickets depend on the artist's concert you’re attending, the venue, the type of seat you choose, whether front or back row and most importantly, how early you book. You should book the tickets as early as possible to get them at a reasonable price and minimise the cost. Travel Expenses: If the concert is not in your city, you need to make a travel costs budget and book tickets in advance. Accommodation: Now that you are planning to travel, you must also manage your stay in the respective city. Whether you’re considering a hotel or renting a place, the accommodation cost is also something to consider. Food: Concerts have food stalls that charge higher prices, and forgetting this area might be a mistake you don’t want to make. Merchandise: How can you miss your favourite band’s merchandise? It’s the memory that’s a bit pricy but lasts a lifetime. Why Choose Personal Loans to Manage Concert Expenses? When it comes to attending concerts, the costs added might break your bank. However, choosing a loan to pay expenses is a flexible option, and you can enjoy stress-free. Here’s why applying for unsecured or personal loans can be a wise choice: Instant Funds: Unsecured loans don’t require collateral, the documentation is primarily paperless and time-saving, and the funds get transferred quickly. Hence, you can get the tickets at a minimal cost without any delay. Flexibility: These loans allow you to spend the money per your plan and make a budget. Repayment Tenure: Platforms like Stashfin offer flexible repayment tenure. You can choose the time according to your current financial situation, which makes it easier to allocate the costs of attending the event. Fixed Interest Rates: Most personal loans have fixed interest rates, allowing you to repay the same amount every month. That’s how you can make a definite budget and follow accordingly. Preserve Your Savings: An unsecured loan helps you avoid using savings or emergency funds to cover concert expenses. You can even upgrade your seats, stay or extend your vacation, and make the most of the funds. Stashfin: Your Partner in Concert Funding At Stashfin, they understand the importance of these unforgettable experiences and offer instant personal loans. With Stashfin, you don’t have to worry about the expenses you make while attending your dream concerts. Following are the reasons why Stashfin is a perfect choice: The user-friendly platform helps in easy navigation, allowing you to personal loan apply with a few clicks. The straightforward application process helps in the quick disbursement of loan amounts, and you can make bookings without any delay. Choose the loan amount that suits your budget and the repayment tenure per the financial situation. The transparent terms and conditions prevent you from paying any extra charges. How do you apply for a personal loan through Stashfin? Download the app from the Play Store or App Store. Sign up using your mobile number. Check your credit limit by adding your details. Complete the KYC and proceed with the application. Once the documents are verified, you’ll get the amount in your bank account. Wrapping Up Don’t let the cost of expenses prevent you from attending your favourite artist's or band's concert and missing the experience of a lifetime. With Stashfin, you can apply for a personal loan, manage expenditures, and enjoy the event without worrying about the budget because, ultimately, the memories count the most. So, gear up and start planning your dream event today and let Stashfin be your funding partner.
Diwali, the Festival of Lights, is about spreading joy and happiness, making memories with family and friends, and spending a little extra. With the festivities around the corner, are you also worried about the expenditures? Well, you’re not alone! Whether buying gifts for family or renovating a home, the festivals quickly stretch the budget. But why let the financial worries dim your excitement? With the personal loan online instant approval, you can take care of all the expenses and celebrate Diwali in style! Let’s explore how personal loans are your best decision this festive season. What is a Personal Loan? Personal loans are unsecured loans that do not require collaterals, and the sum can be used for any purpose, making it a flexible financial tool. Unlike other loans, you can use personal loans for emergencies or planned needs like festive shopping or home renovation. Here’s why personal loans are an excellent choice for Diwali: You can apply for personal loans via online apps like Stashfin and get the disbursement in no time. Many platforms offer flexible repayment options to borrowers, making it easy for them to pay according to their financial situation. The funds can be used for various purposes, such as festive shopping or planning a dream vacation. Personal loans don’t require collateral, making it a stress-free option. Smart Ways to Use Personal Loans this Diwali Wondering how to use a personal loan amount for Diwali? Here are some of the smart ways to manage the expenses: Shopping: Festivals are all about shopping, whether for gifts or new clothes. A personal loan can efficiently be your shopping partner. Set a portion of the funds aside to buy thoughtful gifts for family and friends, making the festival extra special for everyone. Home Renovation: Diwali is when most of us think of upgrading our living spaces and creating new and lasting memories with loved ones. Hence, the funds can be used smartly to purchase new furniture or home decorations or even deep clean the house to add newness to the space. Big Purchases: Several brands offer the deals of a lifetime, especially on electronics, which makes them hard to resist. You can use the loan amount to purchase something you need and make the most of festive discounts without waiting for the next paycheck. Travel: Planning to visit your folks this festive season but worried about high ticket prices? Diwali is not joyfully celebrated unless your family and friends are there. A personal loan can used to plan the travel, book those tickets and make memories that will last a lifetime. Host Diwali Parties: If you are someone who loves to host Diwali parties or religious gatherings, a personal loan online instant approval from Stashfin can cover all the costs, and you can be stress-free throughout. Why Choose Personal Loans Over Credit Cards? With credit cards being a popular choice of users, a personal loan can be a great option, especially during Diwali: Lower Interest Rates: Personal loans have lower interest rates than credit cards, making them a smart option for reducing costs and using the money for festive shopping. Spending Limit: Credit cards generally have lower spending limits, which can be problematic when making big purchases during festivities. Repayment: Although users can choose the repayment schedule while taking personal loans, it can vary up to 60 months, and borrowers need to make fixed monthly payments. This helps users make budgets in advance and ensures they don’t fall into any debt cycle. Why Choose Stashfin for a Diwali Loan? Stashfin, India’s leading online lending platform, is known to offer loans instantly at competitive rates of interest. Our personal loan online instant approval makes sure that users get the funds as quickly as possible with minimal documentation and flexible repayment tenures, making it a hassle-free process. Here’s why Stashfin is the perfect personal loan provider: Users don’t have to worry about hidden charges as the platform offers transparent terms and conditions. Once the documents are verified, the funds get disbursed quickly to the borrower’s bank account. Users can choose the repayment period based on their current financial situation. With its user-friendly interface, the platform helps in easy navigation. How to apply for personal loan? Download the Stashfin app from the Google Play Store or App Store. Sign up using your mobile number. Add your details to check the credit limit. Complete KYC and apply for the loan. Once the documents are verified, the amount will be transferred to your bank account. Tips to Manage Diwali Expenses Wisely Now that you understand why an instant personal loan online is an excellent choice, it’s important to plan your festive expenditures carefully. The following tips will help you manage your finances wisely: Plan your expenses in advance to avoid overspending and create a budget. This will efficiently help you repay the sum in time and make the whole process stress-free. Make a list, prioritise the essentials, like house repairs or family needs, and allocate the budget accordingly. Look for the best deals and discounts offered by the brands during the festive season. This will help minimise expenditures when buying gifts or home decorations. Compare the lenders offering loans and choose the one with the best interest rates and transparent terms and conditions. Track your expenses and ensure you stay within your budget. Conclusion This Diwali, don’t let financial worries dampen your festive spirit. Personal loans can help you enjoy the festivities without stress and without compromising your financial health. Whether you’re planning to travel, renovate your home, or buy gifts, with the help of Stashfin, you can handle all the expenses without breaking the bank. Don’t forget to manage expenditures smartly, avoid overspending, and ensure you celebrate a joyful and memorable Diwali.
In today’s unexpected world, financial emergencies can occur anytime, especially when you least expect them. Whether it is for medical bills, urgent home renovation, or you are covering big personal milestones like a dream vacation or wedding. Instead of stressing over the budget, what if we tell you that there’s a way you can get money instantly with no hassle? That’s right! Stashfin is a leading platform that offers personal loan finance instantly and conveniently with flexible terms and conditions to ensure you not only spend the money but also manage to save it. So, how does Stashfin help you manage and save funds? Let’s find out! What are Stashfin Personal Loans? Stashfin, a digital personal loan app, offers easy and seamless access to quick funds, making it easy for those who need money urgently. Unlike traditional banks, Stashfin offers a 100% digital process through which borrowers can apply for a loan without hassle and with minimal to no paperwork from the comfort of their homes. Instant personal loan services provide an innovative solution to access funds with complete transparency. Key Features of Stashfin’s Personal Loans: Depending on the current need, you can borrow loans ranging from ₹ 1,000 to ₹ 5,00,000. With flexible repayment tenures ranging from 3 months to 36 months, you can choose the time you want to repay the loan amount based on your financial situation. The application process is quick and fully digital, includes minimal to no paperwork, and you can apply for the loan from anywhere and anytime. Advantages of Stashfin Personal Loans There are various reasons why Stashfin is the top choice of borrowers for personal loan finance. Here are some of its benefits: Instant Approval and Disbursement: Unlike the traditional method, Stashfin provides faster loan approval and disbursement of funds in your accounts without the hassle of waiting for days. Interest on Used Amount: This unique feature lets you pay interest on the amount you’ve drawn, not your overall credit limit. No Restrictions on Usage: You can use the funds however you want, for emergencies like medical or home renovations or planned situations like weddings, vacations or lifestyle improvement. Interest-Free Period: Our interest-free period states that you won't be charged any interest if you repay the loan within 30 days of its credit line. It becomes helpful for those who need money for a short period and can manage to return the amount. Transparency: Stashfin offers transparency when mentioning terms and conditions to the borrowers. There won’t be a scope of any hidden charges as everything will be mentioned on a prior basis. Competitive Interest Rates: Stashfin offers competitive interest on personal loans, making it stress-free for borrowers to apply for the funds without any extra financial burden. How Stashfin Personal Loans Help You Save Money? Apart from providing financial services, Stashfin's unique features directly help to save money. Here’s how: Avoid Credit Card Debt: Instead of using credit cards to make significant payments, you can apply for Stashfin’s loans. It’s a more affordable solution, and you’ll get the funds quickly and conveniently. Flexible Repayment Tenure: With flexible repayment tenure ranging between 3 to 36 months, you can choose the loan repayment time after analysing your current financial situation. Also, Stashfin does not charge you any prepayment fee for paying the loan early. Up to 30 Days Interest-Free: If you are seeking a short-term loan, Stashfin offers a unique feature where you'll save the interest cost if you repay the borrowed amount in 30 days. This helps you manage your expenses and repay them without any financial burden. Rate of Interest: Stashfin offers a competitive rate of interest on personal loans, so you are not overburdened with extra costs. To save more money, you can choose a shorter repayment period and reduce the interest paid over the life of the loan. How to Apply for a Stashfin Personal Loan? Thanks to Stashfin’s user-friendly interface and its 100% digital platform, the loan application is incredibly simple and quick. Follow the below steps to apply: Start by downloading Stashfin’s personal loan app, available on both Google Play Store and App Store. The next step is to sign up using your mobile number. To check the credit limit, add your personal details. Upload the documents and complete the KYC verification. Once your details are reviewed and verified, the loan amount will be directly disbursed to your bank account. Conclusion Stashfin personal loans offer a convenient and affordable solution for financial needs. From quick applications to transparent terms and conditions to the 30-day interest-free period, Stashfin makes it easy to access funds whenever needed. Features like flexible repayment tenure, zero prepayment charges, and competitive interest on personal loans help save money and make the whole process stress-free. So don’t wait any longer. Download the app and experience a more innovative way to manage and save your finances.
Gone are the days when applying for personal loans was tedious and involved a lot of paperwork. With the rise of technology, online platforms have made it more accessible and convenient for people to get personal loans quickly. But when it comes to taking out a loan, we all are most concerned about the rate of interest. In 2024, several loan apps offer low-interest personal loans online. This makes borrowing more affordable and eases the financial burden on the borrower. Whether you need a loan for an emergency or are planning a big purchase, choosing a personal loan with low interest rates is considered a reliable option. In this blog, we’ll explore the top 6 loan apps, focus on interest rates, key features and some tips that’ll help you make the right decision. Understanding Personal Loan Interest Rates Before learning about the platforms, let's discuss interest rates, why they matter, and basic eligibility for personal loans. A personal loan interest rate refers to the extra money you’ll pay on top of the borrowed amount. Lower interest rates mean lower monthly payments and overall repayments, making managing your finances more manageable. Key features of personal loan apps: Several apps offer convenient application procedures with fast disbursement of funds. With the online processing of loans, the documentation includes minimal to no paperwork. You can choose the repayment tenure based on your current financial situation. Many online providers charge fewer processing fees and have transparent terms and conditions. Factors affecting interest rates: A higher credit score (700-900) generally leads to lower interest on personal loans. A stable, high-income job also impresses the lender, and the lender may offer better rates. The rate may vary depending on the amount you’re borrowing. Basic eligibility for personal loan application: The minimum age should be 21 years for salaried and 23 years for a self-employed individual. Should either be a salaried employee or a self-employed individual. Must have valid documents like PAN and Aadhar Card. Top 6 Loan Apps Offering the Lower Interest Rates Let’s explore the top 6 online loan applications that offer competitive interest rates. Stashfin Stashfin is one of the leading online platforms offering several financial services, including personal loans. We stand out as the best choice among borrowers because we offer transparent terms and conditions, a fast application process, and a competitive personal loan interest rate. Key Features: Interest rates start as low as 11.99% on the amount you draw. The credit limit is up to ₹ 5,00,000. Offers flexible repayment tenure of up to 36 months. The application process is quick and 100% digital. Safe and secure app with quick customer support. Best for: Individuals looking for personal loans at low interest rates, transparent terms and flexible repayment options. KreditBee It’s a loan application that offers both personal and flexi loans for both salaried and self-employed individuals. It mainly caters to young professionals and provides a hassle-free process. Key Features: The loan amount ranges from ₹ 1,000 to ₹ 5,00,000. Interest rates start from 17% to 29.95% per annum. Offers flexible repayment tenure of up to 36 months. Claims to disburse the loan in 10 minutes. Best for: Someone looking for quick emergency loan disbursement with a flexible repayment structure. MoneyTap MoneyTap is a lender that offers a unique service and allows borrowers to pay interest only on the funds they’ve used rather than the amount that’s been approved. Key Features: Users can borrow up to ₹ 5,00,000 with no collateral required. Interest rates start at 13% per annum. Repayment tenure offered is up to 36 months. Safe app offering fast online support Best for: Borrowers looking for a safe app and want to pay interest for the loan amount they’ve used. CASHe The online digital platform that focuses on providing personal loans to young salaried professionals. It offers a seamless and quick application process with minimal documentation. Key Features: The loan amount ranges from ₹ 1,000 and goes up to ₹ 4,00,000. Interest rates are charged per tenure from 2.25% to 2.50% monthly. Repayment tenure from 3 months to 1.5 years. Has a user-friendly interface and offers transparent terms. Best for: Young professionals looking for quick loan approvals. PaySense The instant loan app offers loans to borrowers without having a credit history. It provides quick approvals on personal loans with paperless documentation and affordable EMI plans. Key Features: Get instant loans from ₹ 5,000 to ₹ 5,00,000. Interest rates range from 16% to 36% annually. Offers one-click personal loans Best for: First-time borrowers with zero credit history looking for paperless quick loan disbursements. Fibe (Formerly EarlySalary) Fibe offers accessible loan applications with competitive rates and has a 100% digital process. It provides flexible repayment options with zero foreclosure fees, making it convenient for borrowers. Key Features: Loan amount from ₹ 5,000 to ₹ 5,00,000. Interest rates start at 16% per annum. Flexible repayment tenure of up to 36 months. Best for: Individuals looking for a 100% digital process and need flexibility in repayment tenure. How to Choose the Right App? With so many online platforms available offering competitive personal loan interest rates, choose the one by following the below tips: Compare interest rates charged by online lenders. Make sure you meet the eligibility criteria of the platform you choose. Opt for a lender that provides flexible repayment options with transparent terms and conditions. Read the reviews and get insights into the app’s reliability and customer service. Final Thoughts Choosing the right loan app that offers low-interest personal loans online has become more convenient than ever. After carefully considering all the above factors, pick the one that suits you best. Whether you are a first-time borrower or not, remember to borrow responsibly, repay in the required time, and maintain a healthy credit score.
The festive season is right around the corner, and it's time to celebrate with your loved ones, go shopping, and, most importantly, make memories. However, your budget may feel a little stretched due to the added expenses. From gifts to home renovations, if you are seeking a quick and reliable solution to handle all the extra expenses, then a personal loan can provide you with the financial support to achieve your dreams. Let’s explore why instant loans are a perfect choice for you and what tips you can use to get a loan conveniently during the festive season. What is a Personal Loan? A type of unsecured loan that can be used for various purposes, personal loans help with a number of different expenses, whether they are urgent or planned, including home renovations, purchasing a car, and even travel. This is because, unlike other types of loans, you don’t need to provide any collateral to secure this loan, and you can get approval within just a few hours. Since the loan offers unmatched flexibility and choice on where and how it can be spent, it is considered the best choice to access funds during festive seasons. What are the Benefits of Personal Loans? Check out the following reasons and know why this type of loan can be a great choice for you during festivities: Online personal loans offered by lenders such as Stashfin get instant approvals, meaning they are excellent during emergencies as you can easily apply for a loan and get access to the funds in your account within hours. These loans can be utilised for any purpose, thus making them valuable tools for achieving your dreams. The repayment tenures are flexible, allowing you to comfortably repay the loans in equated monthly instalments or EMIs based on your earnings. With online apps, the application process has become simple and can be done from your home. The entire process is typically transparent, with no hidden charges or confusing terms and conditions. Stashfin: Your Trusted Partner for Personal Loan Stashfin is a leading financial services platform which offers seamless products like quick personal loans. It’s a digital platform that provides affordable and transparent financial products to millions and is committed to helping you achieve your goals. Why Choose Stashfin? With minimal documentation, it provides fast and easy approvals. You can choose the repayment terms as per your situation. The funds are transferred to your bank account in minimal time. To make it more convenient and seamless, you can apply through the Stashfin app. How Do You Apply for a Personal Loan with Stashfin? The application process with Stashfin is quite simple. By following the 5 steps, you can get the funds: Visit the Stashfin website or download the app. Enter all the necessary information, including income, contact details, etc. Upload documents like proof of identity, income and address. After verification, you’ll get an approval notification. You’ll get the loan amount in your bank account. Eligibility Criteria To avail of fast and easy loans, make sure to meet the following eligibility criteria: Should be an Indian citizen Must be above 18 years of age Must have proof of current employment (with at least ₹15,000 as monthly salary) Should have a bank account Valid identity and address proof like PAN and Aadhar card Tips to Get Personal Loan Easily During Festive Season Here are some tips to help you secure a personal loan quickly and easily during this festive season: Check the eligibility criteria beforehand and ensure you meet the necessary requirements. Keep the necessary documents like ID, income and address proof handy. Create a budget, check your financial situation and plan your repayment period before applying. Ensure that you provide accurate and complete information when applying for the loan. Make sure to have a good credit score to increase your chances of quick approval. Conclusion The festivals are meant to be enjoyed with your friends and family, and financial concerns shouldn't hold you back. An online personal loan is the best solution to make your celebrations extra special and enjoy without any stress. With simple online applications, instant approvals, and no hidden charges, financial apps like Stashfin ensure you manage your expenses seamlessly. Apply for a loan today and celebrate without any financial worries.
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.