Razorpay Integrates UPI Payments Directly into OpenAI Codex

This means builders can now move from an idea to a product that earns revenue in minutes. Instead of spending days setting up payment systems, developers can simply ask AI to add payments while building their app, powered by Razorpay’s MCP Server.

India is already home to one of the world’s largest developer communities and processes over 20 billion UPI transactions every month. As AI changes how software is built, this integration ensures that the products developers create can start earning from day one.

How it works → From Idea to Payment in a Single Prompt

By enabling the Razorpay MCP integration, developers can instruct Codex by describing the product they want to build and how they want to charge for it.

For example, a developer could say, “Build me an AI-powered fitness coaching app and help me collect payments from my users via Razorpay,” into Codex, which will generate an app and automatically set up Razorpay’s payment gateway to handle payments (checkout flows and payment collection automatically).

For student builders, solo founders, and early-stage startups, this removes one of the biggest hurdles to launching a product - that is, setting up payments. Builders can now go from idea to product to revenue without complex setup or building any payment infrastructure.

Managing Payments with AI - Inside ChatGPT

Beyond Razorpay’s collaboration with OpenAI on Codex, Razorpay is also bringing payments management directly into ChatGPT. Businesses can install Razorpay’s App from the ChatGPT app directory and manage payments, etc., simply by asking questions.

For example, a business could ask the system to match payments with their bank statement, check refund status, or track settlements - all through a simple conversation.

“India is entering a moment where anyone with an idea can build a product in hours with AI,” said Shashank Kumar, Co-founder and MD of Razorpay. “But the real shift happens when those ideas can become businesses instantly. Our vision is simple: if AI makes it effortless to build, Razorpay should make it effortless to earn. By bringing Razorpay directly into Codex, we’re paving the way, i.e., the moment a developer creates something valuable, they can start charging for it right away. The next generation of startups won’t begin with funding or infrastructure - they’ll begin with a prompt. And when that prompt turns into a product, Razorpay will be there to power the transaction behind it.”

Oliver Jay, Managing Director, International, OpenAI, said, “Codex is helping developers turn prompts into working software in minutes, and we’re seeing strong growth in adoption in India. In February, weekly users for the tool increased by 4x in just two weeks. Integrating Razorpay directly into Codex means builders can now go from idea to product to revenue in a single workflow, and we’re excited to see how this will impact the builder community.”

This launch builds on Razorpay’s broader vision to power the next generation of AI-driven commerce. Through its ongoing work with OpenAI and the National Payments Corporation of India, Razorpay has also introduced agentic payments in India during the Global Fintech Fest last year - enabling AI systems to securely initiate and complete financial transactions on behalf of users.

Together, these efforts reflect a simple vision: as AI makes it easier for anyone to build, Razorpay is making it just as easy for them to earn.

GoCredit's AI Loan Agent aims to automate the complete loan application journey for borrowers

GoCredit has facilitated over Rs. 100 crore in loan disbursals, generated more than 15 million loan offers, and served over 2 million borrowers across 55+ lending partners.

A New Chapter in India's Credit Evolution

India's lending ecosystem has undergone a remarkable transformation over the last decade. Deliberate regulatory design by the Reserve Bank of India — from the Co-Lending Model framework to Digital Lending Guidelines to the Account Aggregator infrastructure — has enabled a sophisticated system where banks provide low-cost capital and NBFCs deploy data-driven underwriting to reach borrowers that traditional banking infrastructure cannot serve alone.
 

GoCredit's AI Loan Agent represents the next step in this evolution: bringing the same intelligence and efficiency to the borrower's side of the transaction.

What the Loan Agent Does

Today, a borrower seeking a personal loan typically downloads multiple apps, re-enters the same details on each, and triggers separate hard inquiries on their bureau report with every application — negatively impacting the very credit score they need to qualify. The act of seeking credit makes it harder to get credit.

The AI Loan Agent, live on the GoCredit platform, eliminates this cycle. The borrower describes their requirement once. The agent identifies the best-fit lender and submits a single consent-based application. No duplicate forms. No scattershot inquiries. The borrower's credit identity stays protected. While the Loan Agent currently lives on GoCredit platform, the company's longer-term vision is to make this intelligence layer available across the broader lending ecosystem.

The agent lives with GoCredit's first lending partner, processing applications daily. Additional integrations are rolling out in monthly waves through 2026.

"RBI has built the regulatory architecture that lets India's lending system work brilliantly at the institutional level — banks providing capital, NBFCs providing intelligence, frameworks like Co-Lending making the connection seamless. What's been missing is someone on the borrower's side. The Loan Agent is our answer: an AI that represents the borrower inside this system, not just another app that makes them navigate it alone." - Anupam Acharya, Co-Founder & CEO, GoCredit.

What This Means for Borrowers and Lenders

For borrowers, the Loan Agent changes the economics of seeking credit. Instead of downloading multiple apps and absorbing hard inquiry damage across scattered applications, the borrower makes one informed decision through a single conversation. The agent handles profile assessment, lender matching, and consent-based application submission — replacing a process that typically takes days and costs the borrower credit score points with one that takes minutes and costs them nothing.
 

"We designed the agent on consent-based automation — no proprietary API dependency on any lender, no bilateral integration per partner. That architecture is what lets us onboard new lending partners in days instead of quarters, and it's how we'll scale to fifty partners without the system collapsing under its own complexity." - Shubham Arawkar, Co-Founder & CTO, GoCredit.

For lenders, the agent delivers pre-qualified, consent-verified, high-intent borrowers — matched to their specific approval criteria before the application is submitted. Early production data shows a 25 per cent improvement in conversion from offer click to KYC completion, driven by the agent's ability to match borrowers to the right lender before the journey begins. With full roll-out across lending partners, GoCredit projects a significant boost in application-to-disbursal conversion — translating directly into lower operational costs per loan for lenders. Fewer wasted credit pulls, fewer abandoned applications, fewer resources spent on borrowers who were never going to qualify.

The Next Evolution of the Loan Journey

The Indian loan journey has evolved in distinct phases. The first era brought applications to bank branches. The second moved them to apps — digital forms, aggregators, instant pre-approvals. Each phase reduced friction but kept the borrower as the one doing the work.
 

"The core challenge was building a system that can assess a borrower's profile, match it against multiple lenders' criteria, and submit a fully compliant application, all while keeping it cost-effective at scale and making the experience feel human. A borrower applying for a loan is already stressed. The agent had to feel like a friend helping them through paperwork, not another system throwing forms at them. Making that work with real users and real money is where the actual engineering went." - Pranav Murali, Co-Founder & Lead AI Engineer, GoCredit.

AI loan agents represent the next leap: the era where applications disappear altogether. The agent doesn't digitise the old journey — it replaces it with a fundamentally different interaction. One conversation, intelligent matching, consent-based automation, and an outcome that benefits the entire ecosystem — borrowers get better terms, lenders get higher-quality applicants, and the credit system operates more efficiently at every layer.

GoCredit is an AI Powered credit platform now with a 55+lender marketplace serving millions of Indian borrowers.

About GoCredit

GoCredit is a financial intelligence platform for India's middle class. The company has facilitated over Rs. 100 crore in loan disbursals, generated more than 15 million loan offers for over 2 million borrowers, and integrated 55+ lending partners — built by a five-member founding team. GoCredit's product suite includes India's first AI-powered Loan Agent and AI-driven credit score forecasting. The company's R&D division, TARA AI Labs, publishes research on behavioural credit modeling and responsible AI in the fintech domain.

Website: gocredit.money

PayU, a leading diversified fintech platform, has today announced the launch of its AI-Powered Outbound Voice Call Assistant, marking a key step in its broader strategy of becoming an AI-native organization across the merchant lifecycle.

PayU’s AI-powered voice agent engages, verifies, and onboards merchants through natural conversational interactions in English and Hindi, with plans to scale across multiple languages

Merchant onboarding has traditionally been a cumbersome and time-consuming process, involving extensive paperwork, KYC verification, and multiple activation steps, often leading to delays, friction, and merchant drop-offs.

To address these challenges, PayU’s AI-powered Voice Call Assistant proactively engages merchant leads, especially those who have not initiated their onboarding journey. Through natural, conversational interactions in English and Hindi, the assistant guides merchants through the onboarding process while capturing essential business information such as website details, expected revenue, and business category. This enables faster verification, improved lead qualification, and significantly reduces drop-offs by connecting merchants with the right support at the right time, while enabling seamless handover to account managers for timely human intervention.

“We’re entering an era where Voice AI is becoming a core driver of how businesses operate and grow,” said Manas Mishra, Chief Product Officer, PayU and Wibmo. “At PayU, we are steadily building an AI-native platform where merchants remain at the center of every innovation. Our AI-Powered Outbound Voice Call Assistant is one example of how we are removing friction across the merchant lifecycle, from onboarding to activation and beyond, while enabling our teams to focus on deeper, high-impact engagement.”

PayU further intends to expand Voice AI deployment to additional merchant touchpoints, including KYC drop-off recovery, activation workflows, new product requests, and cross-sell opportunities and scale it across multiple languages to serve a broader merchant base.

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers). 
 

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

Get the upcoming Samsung Galaxy Z Fold 8 on Bajaj Finserv Easy EMI loan and enjoy hassle-free, budget-friendly payments

Once the phone is launched in India, you can get your hands on the Samsung Galaxy Z Fold 8 without stretching your finances by shopping from a Bajaj Finserv partner store. With more than 1.5 lakh partner stores located in 4,000+ cities, accessibility and affordability are two things you can expect. Easy EMI plans let you split the cost of the smartphone into affordable instalments, spread over 1 to 60 months.

Samsung Galaxy Z Fold 8 — The future of foldables

The Galaxy Z Fold 8 is expected to retain its predecessor’s display setup — an 8-inch main screen and 6.5-inch cover. It will also feature a larger 5,000 mAh battery, ensuring all-day power in a slim foldable design.

Expected specifications:

• Display: 6.5-inch Full HD+ Dynamic AMOLED 2X 120 Hz cover display; 8-inch QXGA+ Dynamic AMOLED 2X 120 Hz main display

• Processor: Qualcomm Snapdragon 8 Elite Gen 5

• RAM: 12GB/16GB LPDDR5X

• Storage: 256GB/512GB/1TB UFS 4.1

• Rear cameras: 200MP main (OIS) + 50MP ultrawide + 10MP telephoto

• Front camera: 10MP cover; 10MP main

• Battery: 5,000 mAh with 45W fast charging support

• OS: Android 16

• Build: IP68 dust and water resistance

Display — Same premium panels, upgraded experience

The Galaxy Z Fold 8 is expected to feature an 8-inch QXGA+ Dynamic AMOLED 2X 120 Hz main display and a 6.5-inch Full HD+ Dynamic AMOLED 2X 120 Hz cover display. Together, these panels deliver immersive visuals and excellent colour accuracy.

Display highlights:

• Up to 120 Hz refresh rate

• High peak brightness for outdoor readability

• Corning Gorilla Glass protection

Imaging system — A major ultrawide upgrade

The most significant camera upgrade on the Galaxy Z Fold 8 comes in the ultrawide department with a 50MP ultrawide lens. Combined with the 200MP main sensor with OIS and 4K video recording, this makes the Galaxy Z Fold 8 one of the most capable camera systems ever fitted into a foldable.

Camera highlights:

• 200MP main sensor with OIS for stable, detailed shots

• 50MP ultrawide — up from 12MP on the Galaxy Z Fold 7

• 10MP telephoto for versatile zoom

• 4K video recording support across all lenses

Performance — Cutting-edge chip built for the Fold

The Samsung Galaxy Z Fold 8 is rumoured to be powered by the Qualcomm Snapdragon 8 Elite Gen 5 chip, optimised specifically for the Galaxy Z Fold series. This translates to snappier performance, better power efficiency, and smoother multitasking across the large foldable canvas.

Performance highlights:

• Qualcomm Snapdragon 8 Elite Gen 5 chipset

• Up to 16GB LPDDR5X RAM

• Up to 1TB UFS 4.1 storage

• 5G connectivity support

Battery — Game-changing capacity in a slim body

The shift to a 5,000 mAh battery is one of the most talked-about upgrades of the Galaxy Z Fold 8. Samsung is expected to use silicon-carbon battery technology, which offers higher energy density than standard lithium-ion cells — enabling a larger battery without adding bulk.

Battery highlights:

• 5,000 mAh silicon-carbon battery

• 45W fast wired charging — up from 25W on the Galaxy Z Fold 7

• Wireless charging support

• Optimised battery management through One UI

Design — Slim, creaseless, and built to impress

The Galaxy Z Fold 8 is expected to measure just 4.5 mm when fully opened, with a creaseless display and a carbon-fibre back panel that keeps it lightweight without compromising durability. IP68 dust and water resistance is also expected to be retained.

Design highlights:

• Carbon-fibre back panel for a lightweight, durable build

• 4.5 mm slim profile when unfolded

• Creaseless main display for a better viewing experience

• IP68 dust and water resistance

Software — Long-term support remains a strong point

The Galaxy Z Fold 8 is expected to launch with Android 16 and Samsung's latest One UI, bringing multi-year OS upgrades and regular security patches. Galaxy AI features are also expected across productivity and camera tools, building on the innovations introduced with the Samsung Galaxy Z Fold 7.

Software highlights:

• Android 16 with the latest One UI

• Multi-year OS upgrade promise

• Regular security updates

• Galaxy AI features expected across productivity and camera tools

Samsung Galaxy Z Fold 8 — Pricing and options

The Samsung Galaxy Z Fold 8 is expected in three configurations:

• 12GB RAM + 256GB storage

• 12GB RAM + 512GB storage

• 16GB RAM + 1TB storage

The base variant is expected to launch in India in the range of Rs. 1,60,000 to Rs. 1,75,000, depending on storage options and retailer pricing.

Disclaimer: Prices are subject to change depending on future announcements. Please visit a Bajaj Finserv partner store for the latest pricing.

How to buy the Samsung Galaxy Z Fold 8 on Easy EMIs

Once the Samsung Galaxy Z Fold 8 becomes available, buyers can purchase it from Bajaj Finserv partner stores. Instead of paying the entire amount upfront, the cost can be converted into affordable monthly instalments. Here is how buyers can purchase the device after launch:

1. Visit the nearest Bajaj Finserv partner store.

2. Select the Galaxy Z Fold 8 variant of choice.

3. Check eligibility for Easy EMIs at checkout.

4. Choose a flexible tenure between 1 and 60 months.

5. Complete the purchase and take the new smartphone home.

Bajaj Finance Limited 

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings. 

To know more, visit www.bajajfinserv.in.

Get the latest OPPO F33 5G on Bajaj Finserv Easy EMIs and enjoy a seamless upgrade
 

Users planning an upgrade can own OPPO’s latest smartphones without shouldering the entire expense upfront. With Bajaj Finserv Easy EMIs, users can split the cost into instalments and make payments over a 1 to 60 month tenure. Buyers can go to the nearest partner store, choose the Easy EMI option, and enjoy benefits like zero down payment offers on select models, flexible repayment tenures, and instant approvals.

OPPO F33 5G - A solid mid-range option

OPPO hasn’t revealed the full specifications list of the OPPO F33 5G. However, users can expect best-in-class features, including a premium rugged and trendy design. The smartphone is also likely to get the same IP69K dust and water resistance rating as the F33 Pro, making it an excellent everyday use option. Moreover, the F33 5G is tipped to house a massive 7,000 mAh cell that promises long hours of scrolling, binge-watching, and multitasking.

Expected specifications

• Display: 6.57-inch Full HD+ AMOLED screen, 120 Hz refresh rate

• Processor: MediaTek Dimensity 6360 Max

• RAM: 8GB LPDDR4X

• Storage: 128GB/256GB

• Rear cameras: 50MP main + 2MP depth

• Front camera: 16MP

• Battery: 7,000 mAh with 80W fast charging

• Operating system: ColorOS based on Android 16

• Protection/durability: IP69K dust and water resistance

Design - Slim and trendy

The OPPO F33 5G is expected to feature a slim body with a 6.57-inch flat display and an IP69K rating. Recent reports also point to a lighter build of around 194 grams, which should make the phone easier to carry and use for long periods.

Design highlights:

• 6.57-inch flat form factor

• IP69K dust and water resistance

• Slim and relatively lightweight build

Smooth 120 Hz AMOLED display

The F33 5G is tipped to use a 6.57-inch Full HD+ AMOLED screen with a 120 Hz refresh rate, which makes scrolling feel smoother and improves motion clarity while streaming or gaming. The AMOLED panel offers better contrast and deeper blacks, which can make videos and app visuals look more refined.

Display highlights:

• 6.57-inch Full HD+ AMOLED display

• 120 Hz refresh rate

• Smoother scrolling and animations
   

MediaTek Dimensity 6360 Max processor for streamlined performance

OPPO’s latest smartphone is expected to run on the MediaTek Dimensity 6360 Max chipset with 8GB LPDDR4X RAM and up to 256GB storage. Users can expect smooth, streamlined performance, with the company focusing on optimised hardware.
 

Performance highlights:

• MediaTek Dimensity 6360 Max chip

• 8GB LPDDR4X RAM

• Up to 256GB internal storage

Dual-rear camera setup for crisp shots

The OPPO F33 is rumoured to feature a 50MP main camera paired with a 2MP depth sensor, while the front may use a 16MP camera. OPPO is known for its finely-tuned cameras, and the rear imaging system promises stunning portraits with incredible clarity and detail.

Camera highlights:

• Rear: 50MP main + 2MP depth

• Front: 16MP

• Video recording: 4K @ 30 fps
   

7,000 mAh battery could be the biggest highlight

One of the key highlights of the handset is tipped to be its battery pack, with reports suggesting a 7,000 mAh battery with 80W fast charging support. This means uninterrupted gaming, streaming, and binge-watching sessions for long hours, while the fast-charging support reduces downtime.
 

Battery highlights:

• 7,000 mAh battery

• 80W fast charging support
   

OPPO F33 5G - Pricing and options

While OPPO hasn’t revealed the price range for the OPPO F33 5G, leaks suggest that the base variant (8GB RAM + 128GB ROM) can cost around Rs. 23,999. Moreover, OPPO’s latest smartphones (F33 5G and F33 Pro 5G) are likely to be offered in three colour options: Misty Forest, Passion Red, and Starry Blue.

*Disclaimer: The prices, specifications, and colours are based on recent reports and leaks. Please wait for official updates from OPPO for accurate specifications and pricing.

Best deals and offers on OPPO smartphones

If users wish to explore some other OPPO smartphone, Bajaj Finserv has launched a limited time zero downpayment offer for the following OPPO phones, that’s valid from 1^st April to 30^th April 2026.
 

• OPPO A6X – EMIs starting from Rs. 1,000/-, tenure up to 18 months + Save up to Rs. 5,000 OR get up to 30% off

• OPPO Reno 15 series – EMIs starting from Rs. 1,917/-, tenure up to 24 months + Save up to Rs. 5,000 OR get up to 30% off

*Disclaimer: EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

How to buy the OPPO F33 on Easy EMIs

After the OPPO F33 5G becomes available in India, user can own the device by opting for Easy EMI plans. Buying from a Bajaj Finserv partner store helps user manage the cost better while keeping the purchase process simple. Here is how buyers can purchase the device after launch:
 

1. Visit the nearest Bajaj Finserv partner store.

2. Select the Galaxy Z Fold 8 variant of choice.

3. Check eligibility for Easy EMIs at checkout.

4. Choose a flexible tenure between 1 and 60 months.

5. Complete the purchase and take the new smartphone home.

Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings. 
 

To know more, visit www.bajajfinserv.in.

Make your refrigerator upgrade easy and budget-friendly with Bajaj Finserv Easy EMI Loan

The good news is that upgrading does not have to mean paying for it all at once. Customers can visit the Easy EMI Loan page on the Bajaj Finserv website, browse refrigerators that suit their home, and get a loan approved online — all before they even step into a store. They can then head to the nearest partner store to complete the purchase and split the total cost into Easy EMIs that fit their monthly budget. Select models come with zero down payment — meaning the new refrigerator comes home today, with payments starting only next month.

Why a double door refrigerator is worth the upgrade
Double door refrigerators offer separate compartments for fresh and frozen food, frost-free cooling, and inverter compressors that adjust to actual cooling demand. This results in:

• No manual defrosting: Consistent temperatures are maintained automatically, keeping food fresher for longer.

• Lower electricity bills: Inverter compressors use up to 30–50% less energy compared to fixed-speed models.

• More storage flexibility: Select models offer convertible freezer-to-fridge modes — ideal for festive seasons when fresh food storage needs spike.

Best double door refrigerators to buy this Baisakhi
From compact models to feature-rich options, here are five of the best double door refrigerators available right now:

• Samsung 236 L Frost Free Double Door (RT28C3032GS)

  • Price: Rs. 23,190 | EMIs starting from: Rs. 1,450/month

  • Why it works: A compact, frost-free model ideal for small to mid-size families, with efficient cooling and a reliable inverter compressor for everyday use.

• LG 260 L 2 Star Frost Free Double Door (GL-N292DDSY)

  • Price: Rs. 28,999 | EMIs starting from: Rs. 1,542/month

  • Why it works: LG's Smart Inverter Compressor delivers energy-efficient cooling with faster temperature recovery after the door is opened.

• Whirlpool 235 L 2 Star Frost Free Double Door (NEO DF278 PRM)

  • Price: Rs. 26,650 | EMIs starting from: Rs. 1,776/month

  • Why it works: Whirlpool's MicroBlock technology actively prevents 99% of bacterial growth, keeping food fresher for longer between grocery runs.

• Haier 240 L 2 Star Frost Free Double Door (HRF-2902CSG)

  • Price: Rs. 30,990 | EMIs starting from: Rs. 2,208/month

  • Why it works: Features Twin Inverter Technology for quieter, more efficient operation and a large vegetable box designed for Indian kitchen needs.

• Godrej 272 L 2 Star Eon Crystal Double Door (RT EONCRYSTAL 310B)

  • Price: Rs. 39,511 | EMIs starting from: Rs. 2,343/month

  • Why it works: Godrej's Nano Shield Technology provides over 95% disinfection on food surfaces, while Cool Balance Technology keeps vegetables fresh for up to 30 days.

Disclaimer: Prices and EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

Limited-time offers on refrigerators

• Flat Rs. 1,500 cashback on select in-store purchases.

With EMIs starting as low as Rs. 1,450 per month, bringing home a frost-free double door refrigerator this Baisakhi has never been easier or more affordable.
 

Terms and conditions apply. Check with your store for details.
 

How to buy a double door refrigerator with the Bajaj Finserv Easy EMI Loan
Upgrading to a new double door refrigerator this Baisakhi does not have to mean a large one-time payment. The Bajaj Finserv Easy EMI Loan lets customers split the cost into pocket-friendly monthly instalments, ensuring they always get the best deal.

Here is how it works:

• Select the refrigerator online: Customers can browse models by capacity, star rating, and brand to pick the one that suits their kitchen and budget.

• Check eligibility: They can then head to the Easy EMI Loan page and complete a quick KYC process using a mobile number and PAN card.

• View the limit instantly: The approved loan amount is displayed immediately once verified.

• Visit a partner store: Customers can walk into the nearest Bajaj Finserv partner store and get guidance from an in-store representative.

• Finalise the EMI plan: After picking a repayment tenure and completing minimal paperwork, the purchase is confirmed on the spot.

• Enjoy benefits: Customers will receive Rs.1,500 cashback on all in-store purchases, making the upgrade even more rewarding.

This Baisakhi, the right refrigerator is just a few easy steps away. With the Bajaj Finserv Easy EMI Loan, buying a refrigerator on EMI has never been simpler.

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

Bajaj Finserv Personal Loan

In today’s dynamic financial environment, individuals often face situations that require quick access to funds. Whether it is a medical emergency, a family celebration, travel plans, or urgent home repairs, arranging funds at short notice can be challenging. A personal loan provides a convenient solution by offering timely financial support without disrupting long-term savings. By extending the repayment tenure, Bajaj Finance aims to make borrowing more affordable, flexible, and accessible for customers with varying financial needs.

Longer repayment tenure helps reduce monthly financial pressure
The availability of repayment tenure of up to 108 months allows customers to distribute their repayment over a longer duration. This approach can help reduce the size of monthly instalments, making it easier to manage household expenses alongside loan obligations. It also improves monthly cash flow, allowing borrowers to allocate funds towards savings, investments, or other financial priorities.

Customers can choose a repayment tenure ranging from 12 months to 108 months, depending on their income, financial commitments, and repayment preferences. This flexibility enables individuals to align their loan repayment with their monthly budget and avoid unnecessary financial strain. A longer repayment period can be particularly beneficial when managing large or long-term expenses that require careful planning.

Personal loan interest rate supports better decision-making
Clear communication of loan terms is an essential part of responsible lending. Bajaj Finance ensures that customers are informed about the applicable personal loan interest rate before finalising their loan. This transparency helps borrowers understand the total cost of borrowing and plan their repayments accordingly.

The interest rate typically ranges from 10% to 30% per annum, depending on factors such as income level, credit history, and repayment behaviour. By providing clear information about interest rates and repayment obligations, the company supports informed financial decisions and helps customers avoid unexpected repayment challenges over the loan tenure.

Flexible loan amounts support different financial needs
Financial requirements vary from person to person, and access to the right loan amount is essential for responsible borrowing. Bajaj Finance offers a wide loan amount range starting from Rs. 40,000 and extending up to Rs. 55 lakh, allowing customers to select an amount that matches their specific needs.

This flexibility ensures that customers can manage both small and significant expenses without borrowing more than necessary. Choosing an appropriate loan amount helps maintain financial discipline and reduces the risk of repayment challenges in the future. By providing options that suit different financial situations, the personal loan offering supports customers in making informed borrowing decisions.

Quick approval process ensures timely financial support
Speed is often a critical factor when dealing with financial requirements. Bajaj Finserv Personal Loan process is simple and efficient, enabling customers to apply online with minimal effort. The digital application system reduces paperwork and shortens processing time, making the borrowing experience more convenient.

For eligible applicants, approval is completed quickly, and funds are typically disbursed within 24 hours* after verification. This timely access to funds can be especially valuable during emergencies or situations where immediate financial support is required. A seamless and responsive process helps customers address urgent needs without unnecessary delays.

Collateral-free borrowing makes access to credit easier
Another important feature of the personal loan offering is that it is completely collateral-free. Customers are not required to pledge property, gold, or other assets as security to obtain funds. This reduces financial risk and simplifies the borrowing process, particularly for individuals who prefer unsecured financing options.

Minimal documentation requirements further enhance convenience. In most cases, customers only need to provide basic identity, address, and income details to complete their application. A straightforward process allows borrowers to focus on their financial priorities rather than complex paperwork.

Supporting customers through important life moments
Access to reliable financing can make a significant difference during important life events. Customers often rely on a personal loan to manage expenses related to planned milestones such as weddings, education, and travel, as well as unplanned situations like medical emergencies or urgent repairs.

Having a dependable source of funds allows individuals to move forward with their plans without delay. The availability of a longer repayment tenure further enhances convenience by giving borrowers more time to manage their financial commitments comfortably. This helps customers stay financially prepared across different life situations without disrupting their broader financial plans.

Focus on responsible lending and customer convenience
With repayment tenure now extended up to 108 months, Bajaj Finance offers customers greater flexibility in structuring their loan repayments. This is supported by loan amounts ranging from Rs. 40,000 to Rs. 55 lakh, transparent personal loan interest rates, minimal documentation requirements, and disbursal within 24 hours*, covering a wide range of financial needs.

Customers planning an expense or facing an urgent financial need can review their eligibility, apply now, and select a repayment plan that aligns with their financial goals and monthly budget.

Terms and conditions apply*

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

Bajaj Finserv Personal Loan

A personal loan from Bajaj Finance is designed to help people manage both planned and urgent expenses. Whether it is a medical emergency, a family wedding, travel plans, or home repairs, customers can access funds quickly without pledging any collateral. The company continues to focus on providing reliable financial support through simple processes.

Flexible loan amount and extended repayment tenure 
The newly introduced 108-month repayment tenure is a key enhancement in the Bajaj Finserv Personal Loan. The repayment tenure has been extended from 96 months (8 years) to 108 months (9 years), giving customers more time to repay their loan and helping reduce the monthly EMI burden. This can be especially useful for borrowers who want to manage large expenses without putting pressure on their monthly cash flow.

By offering a longer repayment window, Bajaj Finance allows customers to choose a tenure that fits their financial comfort. Those who prefer smaller instalments over a longer period now have more control over how they plan their repayment journey. At the same time, customers who wish to repay faster and potentially reduce their overall interest cost may continue to choose shorter tenures based on their needs, within the range of 12 months to 108 months.

Bajaj Finance offers a wide range of loan amounts to meet different financial needs. Customers can choose a loan amount starting from Rs. 40,000 up to Rs. 55 lakh. This flexibility allows individuals to borrow only what they need.

Quick approval and fast disbursal
Speed is an important factor when dealing with financial needs. Bajaj Finance focuses on providing quick approval for eligible applicants. The application process is simple and can often be completed online.

Once approved, funds are typically disbursed within 24 hours*. This quick access to money can be helpful during emergencies or urgent situations. Customers do not have to wait for long processing times or complicated paperwork.

A fast and efficient process ensures that borrowers can focus on solving their financial needs without unnecessary delays.

Competitive interest rates
Bajaj Finance offers competitive interest rates on personal loans, helping customers manage borrowing costs effectively. Customers are informed about the applicable personal loan interest rate before they apply. This helps them plan their monthly budget with confidence.

The interest rate typically ranges from 10% to 30% per annum, depending on factors such as income, repayment history, and credit profile. Competitive interest rate allows customers to choose a loan structure that fits their financial goals while keeping repayments comfortable over the selected tenure.

Collateral-free loan with minimal documentation
Another advantage of choosing a personal loan from Bajaj Finance is that it is a collateral-free loan. Customers do not need to provide property, gold, or any other asset as security. This reduces stress and makes the borrowing process more accessible.

The documentation requirements are also simple. In most cases, customers need to submit basic identity, address, and income details. Minimal paperwork helps speed up approval and makes the process convenient for working professionals, self-employed individuals, and small business owners.

This straightforward approach allows borrowers to apply with confidence and receive funds without complicated formalities.

Real-life use cases for a personal loan
A personal loan can support many types of financial needs. Some common situations where customers use these funds include:

• Medical emergencies: Covering hospital bills, treatment costs, or urgent care expenses

• Travel plans: Funding family holidays, pilgrimage trips, or international travel

• Weddings: Managing venue bookings, decorations, and other celebration expenses

• Education: Paying tuition fees, buying study materials, or enrolling in professional courses

• Home improvement: Repairing furniture, renovating rooms, or upgrading household appliances

These real-life uses show how a personal loan can provide financial support during important life events. Having access to funds at the right time can reduce stress and help families focus on their priorities.

While borrowing can be helpful, responsible financial planning is equally important. Bajaj Finance encourages customers to assess their income and expenses before applying for a personal loan. Choosing the right loan amount and tenure can prevent financial pressure in the future. Simple tools such as EMI calculators and repayment schedules can help borrowers understand their commitments clearly before taking a loan. 

The introduction of extending repayment tenure up to 108 months highlights Bajaj Finance’s continued focus on customer convenience and responsible lending. With flexible loan amounts, minimal paperwork, and fast disbursal, the company remains committed to providing reliable financial solutions that support customers at every stage of life.

Customers looking for funds for planned or urgent expenses can explore a personal loan from Bajaj Finance and benefit from a repayment structure designed for greater financial comfort.

Terms and conditions apply*

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

slice UPI credit card

The card is free to own and use, with no joining fee, no annual fee, and no maintenance charge of any kind. Payments through the slice UPI card, work just like any other UPI transaction; through a QR code or a UPI ID. Customers can split payments into three monthly instalments at no extra cost through the product’s "slice in 3" feature. The card works internationally too, with no forex markup and acceptance in 200+ countries.

slice's UPI credit card makes no-cost credit instalments accessible to 300 million Indians across 65 million merchants, on the largest payments network ever built. For context, the world's largest buy-now-pay-later platforms together reach roughly 1.5 million merchants globally.

“slice credit card is now live for everyone. We appreciate the patience of our 1.2 million waitlisted customers over the last few months. We will shortly begin processing your applications and start accepting all new ones,” Rajan Bajaj, founder & CEO, slice said in a tweet.

Users earn rewards across all transactions, making it one of the first credit products in India to consistently reward small-ticket, high-frequency UPI transactions. UPI has already put a payments infrastructure in the hands of 300 million Indians. This card now layers a credit product on top of that — built around how those 300 million actually spend: in small amounts, frequently, and across millions of merchants. slice's systems assess creditworthiness based on real transaction behaviour, enabling it to extend credit responsibly and grow limits incrementally as behaviour is demonstrated. 

About slice
slice is on a mission to build India’s most loved bank. It is reimagining consumer banking in India with simple, transparent and technology-driven products. slice operates as a full-stack bank, offering solutions such as the slice savings account, slice fixed deposits, slice UPI, slice borrow, the slice UPI credit card, and India’s first UPI-led bank branch. Its mission is to make banking faster, fairer and easier for every Indian. slice is backed by global investors including Tiger Global, Insight Partners, Advent International, Blume Ventures and Gunosy Capital.

Bajaj Finserv Personal Loan

Tools like the Bajaj Finserv Personal Loan EMI calculator are helping borrowers take a more structured approach to financial planning by offering clarity on monthly instalments before applying for a loan.

Growing need for smarter financial planning

As financial commitments become more diverse, ranging from medical needs and education expenses to lifestyle upgrades, planning cash flow has become essential.

Borrowers today prefer to evaluate:

• Monthly repayment capacity

• Loan tenure options

• Total cost of borrowing

This shift has increased the importance of digital tools that provide accurate and instant calculations.

Role of an EMI calculator in loan planning

An EMI calculator is a simple yet effective tool that helps individuals estimate their monthly repayment before taking a loan.

Borrowers can calculate their expected instalments by using the Bajaj Finserv Personal Loan EMI calculator, which allows users to enter the loan amount, tenure, and interest rate to instantly view EMI amounts and total repayment details. This enables them to:

• Compare different loan scenarios

• Adjust tenure for affordability

• Avoid over-borrowing

How EMI planning improves financial stability

Understanding EMI in advance allows borrowers to align repayments with their monthly income. A well-planned EMI ensures:

• Better budget management

• Reduced financial stress

• Consistent repayment discipline

Instead of making decisions based on assumptions, individuals can rely on accurate calculations to choose a loan structure that fits their financial situation.

Key features of Bajaj Finserv Personal Loan

Bajaj Finserv Personal Loan is designed to support a wide range of financial needs while ensuring convenience and flexibility:

• Loan amounts ranging from Rs. 40,000 to Rs. 55 lakh

Suitable for both smaller and larger financial requirements

• Flexible repayment tenure ranging from 12 months to 108 months

Allows borrowers to choose a tenure based on affordability

• Quick digital application process with fast approvals

Simplifies access to funds without lengthy procedures

• Minimal documentation requirements

Reduces complexity during the application process

These features help borrowers plan and manage their finances more effectively.

Simple process to apply for a personal loan online

Applying for a personal loan through Bajaj Finance is designed to be quick, convenient, and fully digital, allowing applicants to complete the process without unnecessary delays.

1. The applicant can begin by visiting the Personal Loan section on the Bajaj Finserv website and clicking on the ‘APPLY’ button.

2. They will then be required to enter their 10-digit mobile number and complete OTP verification.

3. After verification, they can fill in basic details related to their loan requirement in the online application form.

4. Once the details are submitted, they can proceed to the loan selection stage.

5. At this step, the applicant can choose the desired loan amount and select from available loan options.

6. They can then pick a suitable repayment tenure, ranging from 12 months to 108 months, based on their financial comfort.

7. The process concludes with completing the KYC formalities and submitting the application digitally.

You will be assisted on the next steps by our representative.

Financial planning in 2026 is increasingly driven by clarity and convenience. Tools like EMI calculators play a crucial role in helping borrowers understand their repayment commitments before taking a loan.

By using the Bajaj Finserv Personal Loan EMI calculator and reviewing loan features in advance, individuals can structure their finances more efficiently and make borrowing decisions with greater confidence.

*Terms and conditions apply

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

Zopper, India's leading insurtech company, announced the launch of ZENOVA, an agentic layer designed to transform how banks distribute insurance products. ZENOVA embeds suitability, disclosure, and evidence generation directly into every insurance sale — helping reduce mis-selling risks across every channel. ZENOVA is powered by Zopper's API-first, multi-insurer platform already deployed at scale with banks and BFSI players across India and can be configured to each institution's policies and architecture without multi-year build cycles.

ZENOVA is powered by Zopper's API-first, multi-insurer platform, deployed at scale with banks and BFSI players across India

Under the emerging Responsible Business Conduct (RBC) framework, mis-selling is no longer a reputational concern but has a direct impact on P&L event. Banks face full refund plus compensation obligations if mis-selling is proven, and the fiduciary responsibility sits squarely with the distributing bank, not the insurer.

ZENOVA is a policy-driven control layer that sits between core banking systems, insurer platforms, and all customer-facing channels. It orchestrates every stage of an insurance interaction, from customer profiling. It needs assessment, suitability scoring, disclosure, consent, issuance, and post-sale verification, generating a regulator-grade evidence file as a byproduct of every transaction.

Suitability is built in by design, with board-approved rules translated into executable logic to ensure every sale passes a rigorous suitability check without exception. This is supported by a unified evidence fabric, where each sale is captured in a single, time-stamped record that includes screens, consents, recordings, and PLVC outcomes, making it instantly retrievable for audits, complaints, or regulatory review. At the same time, channel-consistent conduct is enforced through uniform suitability and disclosure standards applied seamlessly across branches, apps, contact centres, and WhatsApp, ensuring a consistent and compliant customer experience at every touchpoint.

Mr Surjendu Kuila, Co-founder & CEO, said, “Banks that choose to re-platform onto ZENOVA will not only meet the next wave of conduct supervision, but they will set the benchmark for what responsible, profitable bancassurance looks like in India.”

Bragadish Sureshkumar, Chief Technology Officer, added, “ZENOVA is built for a world where banks are expected to prove, not just claim that every sale was done right. By combining agentic AI with a deep, evidence‑first architecture, we give institutions a single platform that can orchestrate journeys in real time and still leave a clear audit trail for every recommendation, interaction, and decision.”

Zopper has raised $125 million to date from marquee investors, including Creaegis, Bessemer Venture Partners, ICICI Venture, Blume Ventures, Elevation Capital, and Dharana Capital. With a 600+ member team across technology, sales, strategy, and operations, the company plans to double down on market penetration in the country while pursuing global expansion and strategic acquisitions in emerging markets.

Zopper has been actively integrating AI and Generative AI across underwriting, sales optimisation, fraud detection, and customer servicing. Its proprietary Digi-Banca platform offers a unified, end-to-end technology stack for insurers and banks, enabling seamless integration and improved customer journeys across multiple financial institutions. Zopper’s mission is to make insurance simple, contextual, and embedded within everyday consumer journeys. By leveraging technology to streamline underwriting, reduce issuance time to minutes, and design tailored micro-products, the company has significantly improved accessibility across ecosystems spanning lifestyle, digital commerce, and financial services.

About Zopper
Zopper combines insurance and technology to deliver customised, end-to-end distribution solutions for insurers and ecosystem partners. Through API-led infrastructure and embedded insurance capabilities, Zopper is expanding access, improving efficiency, and strengthening India’s insurance ecosystem.

To learn more, explore the full whitepaper and get in touch with us here: bit.ly/4t8Yhtb

Nilkamal Homes
 

Nilkamal Homes identified this gap and addressed it with Safe Space Studios by Nilkamal Homes, a one-of-its-kind initiative that gives creators access to beautifully designed showroom spaces that can be used as ready-to-shoot sets, free of cost. The pioneering initiative transforms its flagship Bengaluru showroom at NTR Plaza, Outer Ring Rd, Marathahalli into a high-end, free-to-use production set for content creators every Tuesday and Thursday from 10:00 PM to 2:00 AM. 

During these hours, creators can use these curated interiors of the store as ready-made sets to shoot videos, reels, podcasts, and other digital content. Through this initiative, Nilkamal Homes aims to support the growing creator community by providing a premium, safe and accessible environment where creators can bring their ideas to life and produce engaging content. 

By day, the Marathahalli store functions as a Furniture showroom that welcomes customers to explore an expansive range of home furniture and décor, set within thoughtfully designed spaces that inspire confident purchase decisions. By night, it seamlessly transforms into a dynamic content creation studio, featuring multiple curated zones tailored for creators. From opulent bedroom settings to elegantly styled living and sofa spaces, each zone offers versatile styling possibilities. This unique adaptability provides creators with far greater flexibility and creative control than conventional, ready-made studios, free of cost. 
 

Nilkamal Homes
 

Speaking about the initiative, Mr. Parekh, President at Nilkamal Homes, said, “Creators are the architects of today’s brand narratives, yet their creative potential is often constrained by limited access to well-designed, aesthetic spaces. With Safe Space Studios by Nilkamal Homes, we aim to bridge this gap by offering thoughtfully curated, well-lit, premium environments - completely free of charge. Bengaluru, widely regarded as the epicentre of India’s digital content ecosystem, was a natural choice to pilot this initiative.” 

Creators who want to use the space can apply through Nilkamal Homes’ official Instagram page @NilkamalHomes. Selected creators will receive a two-hour shooting slot and access to multiple styled areas including living rooms, sofas, dining setups, and bedroom spaces. On-site support will also be available to ensure a smooth shooting experience. 

The Marathahalli studio is a pilot project. Based on the response, Nilkamal Homes plans to expand Safe Space Studios to more than 70 Nilkamal Homes stores across India, creating one of the largest networks of free creator-friendly studio spaces in the country. 

About Nilkamal Homes
Part of the legendary Nilkamal Limited group, Nilkamal Homes is a leader in the Indian home décor and furniture market. Known for their well-made furniture and decor, the brand operates 70+ stores across India, dedicated to redefining modern living for the Indian family. 

For more details, please visit www.nilkamalhomes.com.

Follow on Instagram: www.instagram.com/nilkamalhomes.

Bajaj Finserv Personal Loan

With lenders like Bajaj Finance offering digital personal loan solutions tailored for salaried employees, access to credit has become faster and more convenient. This shift has made it easier for individuals to address both planned expenses and urgent financial needs without lengthy processes.

At the same time, the cost of borrowing, primarily determined by the interest rate, plays a crucial role in shaping repayment commitments. A competitive interest rate can significantly reduce both monthly EMIs and the overall repayment amount, making it essential for borrowers to understand how these rates are structured before applying.

Importance of interest rates in personal loans
The personal loan interest rate represents the cost of borrowing and directly impacts:

• Monthly EMI

• Total repayment amount over the loan tenure

• Overall financial planning and budget management

Even a small variation in interest rates can lead to a noticeable difference in long-term repayment, especially for loans with longer tenures.

Factors that influence personal loan interest rates
Interest rates offered to salaried individuals are not fixed and may vary based on several key factors:

• Credit score and repayment history

  • A strong credit profile reflects responsible borrowing behaviour

• Monthly income and job stability

  • Consistent income improves repayment capacity

• Existing financial obligations

  • Lower liabilities may lead to better loan terms

• Employer profile

  • Working with established organisations may positively influence eligibility

A well-maintained financial profile can improve the chances of securing more favourable interest rates.

Why competitive rates matter for salaried individuals
Salaried individuals typically rely on fixed monthly income, making it important to ensure that EMIs remain manageable.

Lower interest rates can:

• Help keep EMIs within a comfortable range

• Reduce the total interest paid over time

• Support better long-term financial stability

For this reason, comparing interest rates and understanding associated charges becomes an important step before choosing a personal loan.

Bajaj Finserv Personal Loan: Key advantages
The Bajaj Finserv Personal Loan is structured to meet the needs of salaried borrowers by offering a balance of flexibility, convenience, and accessibility:

• Loan amounts ranging from Rs. 40,000 to Rs. 55 lakh

  • Allows individuals to choose an amount based on their specific financial requirement

• Competitive interest rates

  • Bajaj Finance offers attractive interest rates on personal loans ranging from 10% to 30% per annum*, depending on the customer’s credit profile, income, and eligibility.

• Flexible repayment tenure from 12 months to 96 months

  • Enables borrowers to align EMIs with their monthly income and financial comfort

• Quick digital application process with fast approvals

  • Reduces waiting time and simplifies access to funds

• Minimal documentation requirements

  • Makes the application process more efficient and user-friendly

These features support borrowers in managing both short-term needs and long-term repayment commitments effectively.

Simple and efficient online application process
Applying for a personal loan through Bajaj Finance is designed to be straightforward and fully digital, allowing applicants to complete the process with ease.

The application journey typically involves:

• Visiting the Personal Loan section on the Bajaj Finserv website and initiating the application

• Verifying the registered mobile number through a one-time password (OTP)

• Filling in basic details related to the loan requirement

• Proceeding to select the preferred loan amount and available loan options

• Choosing a suitable repayment tenure, ranging from 12 months to 96 months

• Completing the KYC process and submitting the application online

This end-to-end digital process reduces the need for branch visits, extensive paperwork, and lengthy procedures, offering a more seamless borrowing experience.

Access to support and assistance
In addition to competitive rates, customer support plays an important role in the borrowing experience. Borrowers looking for assistance related to loan applications, repayment queries, or account details can find support details on the official website or connect directly with the Bajaj Finance customer care team for guidance and assistance.

Having access to reliable support ensures a smoother and more transparent loan journey.

Making informed borrowing decisions
Having access to reliable customer support ensures a smoother and more transparent loan journey, especially when borrowers need clarity at different stages of the application or repayment process.

At the same time, interest rates remain a key factor in determining the overall affordability of a personal loan, particularly for salaried individuals managing fixed monthly budgets. Even small differences in rates can influence both EMI commitments and long-term financial planning.

By understanding how interest rates are structured, evaluating different loan options, and planning repayments in advance, borrowers can make decisions that are both practical and financially sustainable.

With solutions like the Bajaj Finserv Personal Loan, offering competitive interest rates, flexible repayment tenures, a fully digital application process, and dedicated customer support, borrowers have access to options that combine convenience with financial clarity.

Choosing a lender that provides transparency, flexibility, and ease of access can make the entire borrowing experience more efficient, predictable, and easier to manage over time.

*Terms and conditions apply

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

The service enables customers to withdraw cash instantly by scanning a UPI QR code at authorized outlets within RNFI’s Business Correspondent (BC) network. Customers can simply scan the QR code, enter the withdrawal amount, and authenticate using their UPI PIN. Once completed, the merchant dispenses the cash, enabling a simple and frictionless assisted transaction experience.

Commenting on the launch, Krishnakumar Daga, Chief Executive Officer, RNFI Services Ltd. said, “UPI has transformed digital payments across India, but access to cash remains critical for millions, especially in rural and semi-urban markets. This service bridges that gap by combining the scale of UPI with the reach of our assisted network, enabling secure and seamless last-mile cash access.”

The service will be available across RNFI’s extensive merchant network, ensuring access to cash withdrawal services for customers across urban, semi-urban, and rural markets. In addition to improving customer convenience, the rollout is expected to drive higher transaction volumes and deepen engagement across the Company’s merchant ecosystem.

Some of the key features of the service include fast and secure cash withdrawals through UPI QR scan, availability across authorized retail outlets, no requirement for ATM cards or biometric authentication, and a seamless experience across all UPI-enabled applications. The service offers a per transaction limit of Rs. 5,000, with a daily limit of Rs. 10,000 and a monthly limit of Rs. 50,000.

This launch marks a significant expansion of RNFI’s assisted digital banking offerings and strengthens its partnership with Jio Payments Bank. As UPI adoption continues to scale, QR-based cash withdrawals are expected to emerge as a key assisted transaction channel, particularly in markets where access to physical cash remains essential.

About RNFI & Relipay
RNFI Services Limited is a fintech infrastructure company enabling last-mile financial access across India through its flagship platform, Relipay. The platform connects financial institutions with consumers through a nationwide assisted commerce network, offering a wide range of services including banking, payments, collections, insurance distribution, foreign exchange services, and digital financial solutions. By integrating technology, distribution, and financial partnerships, RNFI enables seamless delivery of essential financial services across urban, semi-urban, and rural India.

Bajaj Finserv Easy EMI Loan

The good news is that upgrading does not have to mean paying for it all at once. Customers can visit the Easy EMI Loan page on the Bajaj Finserv website, browse refrigerators that suit their home, and get a loan approved online — all before they even step into a store. They can then head to the nearest partner store to complete the purchase and split the total cost into Easy EMIs that fit their monthly budget. Select models come with zero down payment — meaning the new refrigerator comes home today, with payments starting only next month.

Why Frost-Free Inverter Tech is a must-have

Frost-free technology uses fans to circulate cool air evenly, preventing ice buildup in the freezer. Paired with an inverter compressor that runs at variable speeds based on cooling demand, this results in:

• Lower electricity bills: Up to 30–50% energy savings compared to non-inverter models.

• Reduced noise: Quiet operation that does not disturb the home environment.

• Longer freshness: Precise temperature control keeps perishable items fresh for days.

Best Frost-Free Inverter refrigerators to buy this Gudi Padwa

From compact double-door models to AI-powered options, here are five of the best frost-free inverter refrigerators available right now — with EMI prices to match every budget.

1. Godrej 272L 2-Star Inverter Double Door Refrigerator 

• Price: Rs. 26,490 | EMI from: Rs. 1,247/month

• Why it works: Nano Shield Technology provides over 95% disinfection on food surfaces, while Cool Balance Technology keeps vegetables farm fresh for up to 30 days. 

2. LG 308L 2-Star Frost Free Double Door Refrigerator

• Price: Rs. 31,039 | EMI from: Rs. 2,378/month

• Why it works: DoorCooling+™ cools food 35% faster than conventional systems, and Auto Smart Connect lets it run on a home inverter during power cuts.

3. Whirlpool 308L 3-Star Convertible Refrigerator

• Price: Rs. 33,490 | EMI from: Rs. 1,020/month

• Why it works: Features the industry's fastest freezer-to-fridge conversion in just 10 minutes, and 6th Sense Nutrilock technology preserves vitamins in fruits and vegetables up to 2x longer.

4. Samsung 350L Bespoke AI Double Door Refrigerator

• Price: Rs. 41,490 | EMI from: Rs. 1,290/month

• Why it works: Bespoke AI Energy Mode optimises compressor speed to save up to 10% more energy, with a 5-in-1 convertible setup for maximum storage flexibility.

5. Haier 358L 3-Star Frost Free Double Door Refrigerator

• Price: Rs. 42,600 | EMI from: Rs. 2,169/month

• Why it works: Triple Inverter and Dual Fan Technology offer superior temperature control, and 1-hour icing technology ensures you never run out of ice.

*Disclaimer: Prices and EMIs may vary by location, partner store, and applicable offers. Please verify the latest pricing before purchase.

Limited-time offers on electronics and appliances

• Flat Rs. 1,500 cashback on select purchases.

With EMIs starting as low as Rs. 1,020 per month, bringing home the preferred frost-free inverter refrigerator this Gudi Padwa has never been easier or more affordable.

*Terms and conditions apply. Check with your store for details.

How to buy a new refrigerator with Bajaj Finserv Easy EMI Loan

Upgrading a refrigerator this Gudi Padwa does not have to mean a large one-time payment. The Bajaj Finserv Easy EMI Loan lets customers split the cost into pocket-friendly monthly instalments, while the Maha Bachat Savings Calculator helps add brand discounts and dealer offers on top — ensuring they always get the best deal.

Here is how it works:

1. Select the refrigerator online: Customers can browse models by capacity, star rating, and brand to pick the one that suits their kitchen and budget.

2. Check eligibility: Then head to the Easy EMI Loan page and complete a quick KYC process using a mobile number and PAN card.

3. View the limit instantly: The approved loan amount is displayed immediately once verified.

4. Visit a partner store: Customers can walk into the nearest Bajaj Finserv partner store and get guidance from an in-store representative.

5. Finalise the EMI plan: Pick a repayment tenure, complete minimal paperwork, and the purchase is confirmed on the spot.

This Gudi Padwa, the right refrigerator for a home is just a few easy steps away. With the Bajaj Finserv Easy EMI Loan, buying a refrigerator on EMI has never been simpler — the cost is one thing customers do not have to worry about.

Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings. 

To know more, visit www.bajajfinserv.in

Bajaj Finserv Personal Loan

From planned milestones such as weddings and overseas travel to unplanned situations like medical emergencies, a personal loan from Bajaj Finance offers a dependable and swift financial lifeline. With end-to-end digital processing and a customer-first approach, the borrowing experience is designed to be seamless from start to finish.

Affordable rates that put customers first
A standout feature of the Bajaj Finserv Personal Loan is its competitive interest rate framework. Rates are calibrated to keep total borrowing costs low, giving customers clarity on their repayment obligations from day one.

The applicable interest rate is assessed based on a combination of factors such as the applicant’s income level, employment category, CIBIL score, repayment history, and existing liabilities. Borrowers with a healthy credit profile and steady income stand to gain the most competitive rates, maximising long-term savings.

Repayment flexibility
Recognising that no two borrowers are alike, Bajaj Finance provides repayment tenures spanning 12 months to 96 months. This flexibility allows customers to calibrate their EMIs to fit their monthly cash flow, helping them avoid financial pressure while meeting repayment commitments.

Selecting the right tenure is central to maintaining a sustainable repayment rhythm. A longer tenure lowers the monthly instalment, while a shorter one reduces the overall interest outgo, giving borrowers the power to decide what works best for their specific situation.

Substantial loan amounts to match every aspiration
Personal loans from Bajaj Finance are available from Rs. 40,000 up to Rs. 55 lakh, ensuring that customers can address both modest requirements and significant financial commitments with equal ease. Whether managing short-term cash flow gaps or funding a landmark event, the right amount is always available for eligible applicants.

A streamlined digital application, from approval to disbursal in hours
Bajaj Finance has engineered a fully digital application journey that eliminates the friction typically associated with loan processing. Applicants simply submit their basic personal and financial details online, after which verification is carried out swiftly. In most cases, approved funds are credited within 24 hours*, enabling customers to act on their financial needs without delay.

Collateral-free: Borrow without pledging assets
As an unsecured lending product, Bajaj Finserv Personal Loans require no collateral or guarantor. This removes a significant barrier for many borrowers, simplifying the documentation process and enabling faster disbursals. Customers can access the credit they need purely on the strength of their financial profile.

Who can apply? Eligibility at a glance
Bajaj Finance welcomes applications from eligible Indian residents meeting the following criteria:

• Nationality: Indian citizen

• Age: 21 to 80 years* 

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or above

• Customer profile: Self-employed or Salaried

*Customers should be 80 years* or younger, at the end of the loan tenure.

Uses of a Bajaj Finserv Personal Loan
Bajaj Finserv Personal Loans can be used for various personal expenses, such as:

• Medical and Healthcare Costs: Cover hospitalisation, treatment procedures, and post-recovery expenses swiftly, without drawing on savings.

• Weddings and Celebrations: Finance venue bookings, catering, travel arrangements, and event décor for family milestones without disrupting existing savings.

• Travel and Experiences: Plan domestic or international journeys and repay at leisure through structured instalments.

• Home Improvement Projects: Fund renovation, repair, or interior upgrades to create a comfortable and upgraded living space .

• Education and Career Development: Invest in academic programmes, professional certifications, or skill-building courses to accelerate career growth.

Bajaj Finance continues to set the benchmark in personal lending, combining low-cost borrowing with the speed and simplicity that modern customers expect. Through competitive interest rates, generous loan amounts, and a frictionless application experience, the company empowers individuals across India to pursue their financial goals on their own terms.

For planned milestones or pressing financial requirements alike, Bajaj Finance stands ready to deliver reliable and affordable personal loan solutions.

*Terms and conditions apply.

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

PayU and GoKwik Strategic Partnership

As India’s D2C sector matures, merchants are demanding end-to-end reliability. This partnership introduces an integrated commerce layer that combines GoKwik’s conversion intelligence with PayU’s robust, scalable payments infrastructure, moving D2C brands beyond fragmented solutions to solve these challenges at scale.

“Across the D2C ecosystem, the demand from founders is clear: they need integrated solutions that solve for payment reliability and checkout conversion in one cohesive layer. This isn’t a hypothetical challenge; it's a measurable drain on potential revenue”, Vineet Sethi, Chief Growth and Marketing officer, PayU. The coming together of PayU’s deep payments expertise and GoKwik’s category-leading conversion intelligence is a direct response to this merchant need. It’s about creating the kind of continuous, high-success experience that is non-negotiable for any brand aiming to move from early traction to major scale”.

“GoKwik has set the industry standard for D2C conversion and checkout optimization. Our partnership with PayU is a strategic and natural evolution of that commitment”, said Chirag Taneja, CEO - GoKwik. “By tightly integrating our intelligence with PayU's robust payments infrastructure, we are extending the impact of our platform to ensure a seamless, high-success-rate payments experience. This is about delivering the final, critical piece of the puzzle, enabling our merchants to unlock the next level of growth with total confidence and zero friction."

“I’m incredibly excited about this partnership in action. With GoKwik and PayU both now a seamless part of our commerce journey, the difference has been immediate and quantifiable,” says Ganesh Sonawane, Founder - Frido. “GoKwik's conversion intelligence gets customers ready, and PayU’s reliability ensures they complete the transaction without friction. Since integrating this stack, we have seen an encouraging conversion lift and a massive boost in transaction success rates. This is the integrated solution the D2C market needed to move from great growth to sustainable scale”.

For D2C merchants, this collaboration signifies the shift away from fragmented point solutions. It delivers a truly cohesive commerce experience, drastically reducing checkout-to-payment drop-offs and improving success rates; allowing brands to shift their focus from operational complexity to pure growth. This integrated approach is key to simplifying the commerce stack and supporting the sustainable scaling of the next generation of digital-first Indian brands.

The partnership also reflects a shared commitment to India’s D2C ecosystem, which continues to drive innovation, employment, and digital adoption across the country. By building solutions designed specifically for the realities of D2C commerce, PayU and GoKwik aim to empower the next generation of digital-first Indian brands.

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers).

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

About GoKwik

GoKwik is an e-commerce enablement platform on a mission to democratize the shopping experience by helping 15000+ brands scale with higher conversion, lower RTO and higher conversations. With a network of over 200+ million shoppers, GoKwik offers full-stack solutions across the funnel, enabling brands to provide a seamless, lightning-fast shopping experience to their customers.

Upgrade to a new refrigerator this season with the Bajaj Finserv Easy EMI Loan

The good news is that upgrading doesn't have to mean a large one-time expense. The Bajaj Finserv Summer Sale makes it more affordable, with Easy EMI Loan of up to Rs. 5 lakh, seasonal discounts, and zero down payment on select models. Shoppers can head to their nearest Bajaj Finserv partner store — including Vijay Sales and Croma — to avail the financing options and take their new refrigerator home the same day.

Why eco-friendly refrigerators are worth considering?
The BEE star rating is a reliable indicator of energy efficiency — the higher the rating, the lower the power consumption. Since a refrigerator runs 24/7 and is opened frequently, a higher-rated model can meaningfully reduce long-term electricity costs. Selecting the right capacity is equally important, as an oversized or undersized fridge consumes more energy than necessary.

Top eco-friendly refrigerators available in March 2026
Shoppers can compare features, capacity, and type on Bajaj Mall before visiting a nearby partner store to finalise the purchase.

• Whirlpool 205 WDE CLS Single Door Refrigerator (184L) 

  • Price: Rs. 12,990 | EMI from: Rs. 859/month

  • Why it works: A compact 3-star model for small apartments — energy-conscious cooling without occupying too much kitchen space.

• Samsung Camellia Blue Single Door Refrigerator (223L) 

  • Price: Rs. 19,990 | EMI from: Rs. 1,535/month

  • Why it works: Digital Inverter Technology adjusts compressor speed based on cooling demand, reducing energy consumption and noise.

• LG Smart Inverter Double Door Refrigerator (242L) 

  • Price: Rs. 25,990 | EMI from: Rs. 1,542/month

  • Why it works: DoorCooling+ circulates cold air evenly across all shelves, maintaining consistent temperatures and reducing the compressor's workload.

• Samsung Convertible Double Door Refrigerator (322L) 

  • Price: Rs. 34,990 | EMI from: Rs. 2,433/month

  • Why it works: Five convertible modes allow adjustment of the fridge-to-freezer ratio, avoiding energy waste when full freezer capacity is not required.

• Haier Side-by-Side Refrigerator (596L) 

  • Price: Rs. 1,01,990 | EMI from: Rs. 5,200/month

  • Why it works: Twin cooling systems maintain independent temperatures across fresh and frozen sections, improving energy efficiency.

• LG InstaView Side-by-Side Refrigerator (635L) 

  • Price: Rs. 2,06,499 | EMI from: Rs. 11,400/month

  • Why it works: Knocking twice on the glass panel lets users see inside without opening the door, reducing cold air loss. UV Nano technology keeps the water dispenser hygienic without additional energy use.

*Disclaimer

The prices and EMIs mentioned may differ based on the variant, partner store, location, and promotional offer. Please visit your nearest partner store to find the latest offers and prices.

Limited-time offers on eco-friendly refrigerators

• Whirlpool — Up to 30% off on models priced Rs. 10,000 – Rs. 1,71,000, with EMIs starting from Rs. 859/month 

• LG — Up to 50% off on models priced Rs. 10,000 – Rs. 2,05,000, with EMIs starting from Rs. 875/month 

• Samsung — Up to 50% off on models priced Rs. 10,000 – Rs. 2,05,000, with EMIs starting from Rs. 1,290/month

Offers are limited-time and subject to change. Verify current availability at your nearest partner store.

How to buy a new refrigerator with Bajaj Finserv?
Splitting the cost of a new refrigerator into monthly instalments makes the upgrade far more manageable instead of making a large one-time payment. During the Summer Sale, shoppers can enjoy the following benefits:

• Browse on Bajaj Mall: Compare eco-friendly refrigerators by capacity, door type, star rating, and brand before visiting a store.

• Check pre-approved eligibility: The pre-approved loan limit can be verified on the Bajaj Finserv website using a registered mobile number and OTP verification.

• Find a partner store: Check shortlisted models at 1.5 lakh+ stores across 4,000+ cities.

• Check the model in person: In-store staff can assist with evaluating capacity, star rating, energy features, and build quality.

• Choose an EMI plan: Financing of up to Rs. 5 lakh is available through the Bajaj Finserv Insta EMI Card or Easy EMI Loan, with zero down payment on select models and tenures ranging from 1 to 60 months.

• Complete the purchase: Once approved, the transaction is processed instantly and the refrigerator can be taken home the same day.

With limited-time offers and exclusive deals during the Bajaj Finserv Summer Sale, March is a practical time to upgrade to an eco-friendly refrigerator.

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

The key drivers for these assigned ratings are the organisation’s specialised capabilities in the education financing space, adequate and timely capitalisation to grow the business, a proven track record of disciplined execution with steady growth, a diversified funding profile, and strong asset-quality performance. Avanse adopts a liability-first approach as a core component of its business strategy. The company has established a robust organisational framework and a high-quality product portfolio designed to proactively meet the expectations of credit rating agencies and liability partners. It maintains a disciplined focus on asset-liability management, ensuring the timely servicing of all financial obligations.

Commenting on this development, Amit Gainda, Managing Director & CEO, Avanse Financial Services, said, “It’s a proud moment for team Avanse to receive these ratings from one of India’s leading credit rating agencies. These ratings demonstrate our effective implementation of the Governance, Risk, Compliance & Controllership (GRCC) framework, our liability-first philosophy, and our disciplined approach to financial and risk management. This milestone reflects our focus on creating value through efficient capital management and responsible lending practices, reinforcing our position as a trusted financing partner in empowering students to achieve their academic goals and strengthening the education ecosystem of the country.” 

Avanse remains committed to investing in human capital, processes, and technology to build a future-ready organisation. By leveraging data-driven insights and a customer-centric approach, the company aims to simplify and enhance education and education infrastructure financing, enabling students and institutions to access opportunities with greater confidence and efficiency.

As Avanse enters its next phase of growth, it will continue to prioritise responsible lending, disciplined risk management, and prudent capital allocation, driving sustainable expansion while creating long-term value for all stakeholders.

About Avanse Financial Services
Avanse Financial Services Limited is an education-focused non-banking financial company (NBFC) on a mission to make education financing seamless and affordable for every deserving Indian student. The company offers loans across three key segments:

• Student Loan - International – customised education financing solutions for Indian students pursuing undergraduate & postgraduate courses overseas 

• Education Loans Domestic – customised financing solutions for Indian students seeking higher education at domestic institutions. It also includes loans for professionals engaging in executive learning programs, as well as financing for both curriculum fees for students enrolled in accredited schools and non-curriculum fees associated with skilling programs, executive education, and test preparation courses, all in India.

• Educational Institution Loans – collateral-backed financing solutions to private educational institutions, generally K-12 schools, located in peripheral areas of tier I cities and in tier II and beyond cities in India

For more information, please click here. 

Make buying your AC simple and budget-friendly with a Bajaj Finserv Easy EMI Loan

The good news is that buying a new AC doesn’t have to strain your budget. With Bajaj Finserv Easy EMI loan, you can spread the cost of up to Rs. 5 lakh into manageable monthly instalments. Many models are available with zero down payment, making upgrades more accessible. Plus, during the Bajaj Finserv Summer Sale, you can explore a wide range of options at attractive prices.

How the wrong AC choice affects comfort and bills

Buying an AC without checking the right specs can lead to:

• High electricity bills

• Uneven cooling

• Frequent breakdowns

Avoid these common mistakes to make a smart, energy-efficient choice.

1. Picking the wrong AC size

• Too small: Runs constantly, struggles to cool, wastes energy.

• Too large: Cools unevenly and consumes extra electricity.

Always match AC capacity (tonnage) to your room size.

2. Ignoring Energy Star Ratings
Price matters, but so does efficiency. Higher BEE star-rated ACs cost more upfront but save significantly on electricity over time.

3. Overlooking Inverter Technology
Non-inverter ACs frequently switch on/off, consuming more power. Inverter ACs adjust compressor speed, making them quieter, faster, and energy-efficient.

4. Forgetting installation costs
Split ACs require professional installation, brackets, copper piping, and sometimes stabilizers. Include these costs in your budget.

5. Ignoring room conditions

• Direct sunlight, high ceilings, poor insulation, and number of occupants affect cooling.

• Don’t choose an AC based only on square footage—consider room environment too.

6. Skipping maintenance planning: Check service availability locally. Regular servicing ensures long-term performance and reliability.

7. Prioritising looks over performance: Sleek design is nice, but cooling efficiency, warranty, after-sales support, and spare part availability matter more.

Best-selling air conditioners to explore this summer

1. Samsung 1 Ton 3 Star Inverter Split AC (AR12CY3ZAGD)
Price: Rs. 31,490
EMI starting from: Rs. 1,749
Description: An ideal choice for smaller rooms, this model features Fast Cooling technology and a Triple Protector Plus system to guard against power surges without needing an external stabilizer.

2. Voltas 1.5 Ton 3 Star Inverter Split AC (183V Vectra Prism)
Price: Rs. 34,990
EMI starting from: Rs. 1,944
Description: A versatile all-rounder for the Indian summer, it offers Adjustable Cooling modes that allow you to run the AC at different tonnages based on the heat load or number of people in the room.

3. Daikin 1.5 Ton 3 Star Inverter Split AC (MTKL50U)
Price: Rs. 38,500
EMI starting from: Rs. 2,138
Description: Renowned for its Econo Mode and Coanda Airflow, this unit ensures cold air doesn't fall directly on your head but circulates evenly across the room for better comfort and efficiency.

4. Blue Star 1.5 Ton 4 Star Inverter Split AC (IA418YATU)
Price: Rs. 41,990
EMI starting from: Rs. 2,332
Description: This heavy-duty model is designed for extreme heat. It features a Turbo Cool mode for near-instant chilling and high-quality copper coils that are highly resistant to corrosion.

5. LG 1.5 Ton 5 Star AI Dual Inverter Split AC (TS-Q19YNZE)
Price: Rs. 46,500
EMI starting from: Rs. 2,583
Description: Its AI Dual Inverter senses room conditions to optimise cooling. It boasts a top-tier 5-star rating, meaning significant long-term savings on electricity bills.

Limited-time offers on electronics and appliances

Beat the heat smartly—get up to 60% off on ACs, with pocket-friendly EMIs starting at Rs. 830 per month and zero down payment.

* Disclaimer: Offers and EMI amounts may vary depending on location and partner store. For the latest prices and available deals, browse Bajaj Mall or visit a nearby Bajaj Finserv partner store.

Why should you buy an AC with Bajaj Finserv this summer
Purchasing an AC is easier when the cost is spread over monthly instalments:

• Browse online: Compare models, capacity, star rating, and features on Bajaj Mall.

• Visit partner stores: Check shortlisted models at 1.5 lakh+ stores across 4,000+ cities.

• Choose Easy EMI Loan: Finance up to Rs. 5 lakh with flexible repayment tenures; select models with zero down payment.

• Check eligibility online: Verify your pre-approved loan limit quickly with mobile number and OTP.

• Use the Insta EMI Network Card: Split your bill into EMIs instantly through a paperless process.

Avoiding common AC buying mistakes ensures your AC fits your room, budget, and comfort needs. With Bajaj Finserv Easy EMIs and Summer Sale offers, buying an energy-efficient AC in 2026 has never been easier.

Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings. 

To know more, visit www.bajajfinserv.in

Bajaj Finserv Personal Loan
 

In today’s fast-paced lifestyle, financial needs can arise at any moment. Whether it is a medical emergency, a wedding, a home renovation, travel plans or education expenses, a personal loan serves as a reliable financial solution. Bajaj Finance ensures that customers benefit from affordable borrowing by offering attractive personal loan interest rate structures and flexible repayment tenures, making repayments stress-free and manageable.
 

Competitive personal loan interest rate for easier borrowing

One of the key highlights of the Bajaj Finserv Personal Loan is the competitive personal loan interest rate offered to eligible applicants. The interest rates are structured to ensure affordability while maintaining clarity. By offering lower interest rates, Bajaj Finance helps customers reduce their overall borrowing cost, making it easier to repay the loan over time.
 

The personal loan interest rate is determined based on several factors, including income, employment type, credit score, repayment capacity, and existing financial commitments. Customers with a strong credit profile and stable income can benefit from lower rates, ensuring significant savings across the loan tenure.
 

Flexible repayment terms for better financial control

Bajaj Finance understands that every borrower has unique financial circumstances. To address this, the company offers flexible repayment tenures ranging from 12 months to 96 months. This allows customers to select a repayment plan that aligns with their income flow and financial goals.
 

Flexible terms enable borrowers to maintain comfortable EMIs without placing strain on their monthly budgets. By selecting an optimal tenure, customers can effectively manage their finances while enjoying the benefits of a low personal loan interest rate.
 

High loan amounts for diverse financial needs

Bajaj Finance offers personal loans ranging from Rs. 40,000 to Rs. 55 lakh, depending on the applicant’s eligibility. This wide range ensures that customers can fund both small and large expenses conveniently. Whether it is covering a short-term cash requirement or financing a major life event, Bajaj Finance provides solutions tailored to individual needs.
 

The easy application process and fast approvals further enhance the overall borrowing experience, allowing customers to access funds quickly and efficiently.
 

Quick and easy application process

Applying for a personal loan with Bajaj Finance is a simple and hassle-free experience. Customers can apply online by submitting basic personal and financial details. The digital process ensures faster verification and quicker approvals, significantly reducing turnaround time.
 

Once approved, funds are disbursed swiftly, often within 24 hours*, enabling customers to meet urgent financial needs without delays. Minimal documentation and a streamlined process further simplify the loan journey, ensuring a smooth experience from application to disbursal.
 

No collateral requirement for hassle-free borrowing

Bajaj Finance offers personal loans without the need for any collateral or security, allowing customers to access funds without pledging assets. This unsecured loan structure simplifies the application process, reduces documentation, and enables faster approvals, making borrowing more convenient and stress-free.
 

Eligibility criteria for a personal loan

Bajaj Finance offers personal loans to both salaried professionals and self-employed individuals who meet the eligibility requirements. Key eligibility factors include:

• Nationality: Indian

• Age: 21 years to 80 years*.

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or higher.

• Customer profile: Self-employed or salaried
   

*Applicants must be 80 years or younger at the end of the loan tenure.
 

Ideal use cases for a personal loan

A personal loan from Bajaj Finance can be used for a wide range of purposes, including:
 

Medical emergencies and healthcare expenses:

• A personal loan can help individuals manage unexpected medical costs, including hospitalisation, treatment, and post-care expenses, ensuring timely access to quality healthcare without financial strain.
   

Wedding and family celebrations:

• Personal loans enable families to comfortably manage wedding-related and festive expenses, including venue bookings, catering, décor, and travel, without disrupting long-term savings.
   

Travel and holiday planning:

• Borrowers can use personal loans to fund domestic or international travel, covering costs such as flights, accommodation, and experiences, while repaying in easy instalments.
   

Home renovation and repairs:

• From essential repairs to complete home makeovers, a personal loan provides financial flexibility to upgrade living spaces without delays.
   

Education and skill development:

• Personal loans can support education-related expenses, including course fees, certifications, and skill enhancement programmes, helping individuals invest in their professional growth.
   

Bajaj Finance continues to redefine personal lending by offering low-interest personal loans with flexible terms and quick disbursal. With competitive personal loan interest rate options, high loan amounts, and customer-centric policies, Bajaj Finance empowers individuals to fulfil their financial goals without unnecessary stress.
 

Whether planning a major expense or addressing an urgent financial need, customers can rely on Bajaj Finance for efficient, affordable, and dependable personal loan solutions.
 

*Terms and conditions apply
 

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

How to Plan Investments After Receiving a Bonus, Inheritance, or Asset Sale

Assess the surplus
Before diving into investments, pause to evaluate the funds at hand. Calculate your net amount after taxes and essentials: bonuses may attract TDS, inheritances may involve probate fees or estate duties, and asset sales may trigger capital gains tax. Investors may use part of the windfall to build an emergency fund covering 6-12 months' expenses through an overnight or liquid mutual fund to have convenient access to their money. They may also use some money to pay off high-interest debts such as credit cards. After this, the remaining sum could then be allocated strategically to align with their long-term financial objectives.

Lumpsum vs SIP: Core strategies
Deploying a windfall may demand choosing between lumpsum investing and SIP investment routes, each suiting different risk profiles and market views. A lumpsum calculator may be of help here—it simulates growth potential by inputting your bonus amount, expected rate of annual return, and time horizon of the investment. Investors may use free lumpsum calculators to assess various scenarios.

SIP investment, conversely, involves dividing the sum into monthly/quarterly instalments, mitigating timing risk via rupee-cost averaging. Investors could also adopt a hybrid approach by investing 50% of the surplus as lumpsum and the rest in an SIP.

Use a lumpsum calculator for precision
A lumpsum calculator helps demystify one-shot investing by projecting the potential projecting future using the compound interest formula:
A = P X (1+r)^n

Where:

• A = Final value of investment

• P = Initial investment amount (Principal)

• r = Annualized rate of return (in decimal, e.g., 10% = 0.10)

• n = Number of years

For example, if you invest Rs. 1,00,000 in a fund for five years and expected returns of 12% per annum.

A = 1,00,000 × (1+0.12)^5
A = 1,00,000 X 1.76
A = Rs. 1.76 lakh

Example for illustrative purposes only.

These figures are illustrative, not guaranteed, as markets fluctuate. However, the tool may help investors take data-driven and more informed decisions. 

The calculator is an aid, not a prediction tool. It may provide only an indicative picture. 

Practical steps 
Here are steps you may follow when investing an extra inflow of money. 

1. Define goals: Retirement? Children's education? You may list timelines and required corpus via goal-based calculators.
2. Run simulations: You may use lumpsum and SIP calculators to review various scenarios.
3. Invest: You may choose funds and an allocation strategy that aligns with your investment objectives and risk appetite.
4. Review annually: It is advised to review and rebalance investments regularly to maintain a suitable asset mix.
5. Seek advice: You may consult professional advisers for personalised plans and further guidance.

Conclusion
Receiving a windfall through a bonus, inheritance, or asset sale may mark a moment of investment reassessment in an investor’s journey. Thoughtful deployment of these extra funds may help you enhance your potential corpus. 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

How investors can use a CAGR calculator to understand portfolio performance over time

For investments held over several years, this measure may help place potential outcomes in perspective rather than focusing on isolated periods. A CAGR calculator can help with estimating the returns earned on an investment. Understanding what a CAGR calculator reflects, and what it ignores, may help investors interpret portfolio results with relatively more clarity.

What CAGR represents in portfolio analysis

CAGR, or Compound Annual Growth Rate, represents the annualised rate at which an investment’s value grew over a defined period, assuming all returns were reinvested.

CAGR does not represent interim volatility, instead it shows the returns as a single annualised figure – the steady rate at which an investment would have theoretically grown year on year to arrive at the final amount. In reality, a portfolio may experience uneven gains and declines during the investment period yet still show a positive CAGR if the final value is higher than the starting value. In this sense, CAGR summarises the outcome rather than the actual return path.

This makes CAGR suitable for a quick assessment of a portfolios long-term performance, rather than a granular view of day-to-day volatility.

Why CAGR is commonly used for long-term portfolios

Over extended horizons, portfolio performance may be influenced by market cycles, economic changes, and shifts in sentiment. Year-on-year returns may therefore vary. A CAGR condenses this variability into a single annualised figure, which may be relatively easy to interpret across longer periods.

For mutual funds, performance communication often relies on CAGR because investors enter and exit schemes at different points. CAGR allows historical performance to be presented without assuming identical investment dates or cash-flow patterns. For this reason, CAGR is treated as a reporting metric rather than an indicator of future potential results.

It is important to note that CAGR reflects only starting and ending values. It does not capture interim drawdowns, recovery phases, or periods of stagnation.

Past performance may or may not be sustained in the future.

How a CAGR calculator works

A CAGR calculator typically requires three inputs:

• the initial investment value

• the final investment value

• the investment duration in years

Using these inputs, the calculator applies a mathematical formula to compute the annualised growth rate:

CAGR = (Ending Value / Beginning Value)^(1/n) − 1

Where:

Beginning Value = initial investment amount

Ending Value = value of the investment at the end of the period

n = number of years the investment is held

The result is typically expressed as a percentage by multiplying the outcome by 100.

For example, if an investment grows from Rs. 4,00,000 to Rs. 6,80,000 over a period of 7 years, the CAGR is calculated as:

CAGR = (6,80,000 / 4,00,000)^(1/7) − 1

This results in an approximate CAGR of 7.9% per annum, indicating that the investment’s value increased at an average annualised rate of about 7.9% over the seven-year period.

Example for illustrative purposes only. The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Interpreting CAGR alongside other measures

Although widely referenced, a CAGR calculator does not present a complete picture of portfolio behaviour. CAGR assumes a smooth growth trajectory, which may not reflect actual market movements. As a result, CAGR figures may be viewed alongside other measures such as rolling returns and risk-adjusted return metrics such as beta, standard deviation, information ratio and Sharpe ratio.

In mutual funds, two schemes may report the same CAGR, even though Fund A experienced sharp interim declines and Fund B saw relatively steady performance. This highlights why it is advised to interpret CAGR as a summary measure rather than a standalone assessment.

Using a CAGR calculator for comparisons

One relatively common application of a CAGR calculator is comparing portfolio outcomes across timeframes or strategies. By converting cumulative growth into an annualised rate, CAGR offers a common reference point.

Portfolios with different investment amounts or durations may still be assessed once CAGR is applied. However, such comparisons depend on consistent assumptions, as a CAGR calculator does not adjust for differences in risk, volatility, or liquidity.

Limitations to keep in mind

While useful, a CAGR calculator has certain limitations. It does not reflect the sequence of returns, assumes reinvestment at a uniform implied rate, does not account for volatility or drawdowns, and may mask periods of underperformance.

For portfolios built through staggered investments, such as Systematic Investment Plans (SIPs), CAGR may not fully represent individual cash-flow timing. In such cases, other measures, such as XIRR, may be referenced for added context.

Conclusion

A CAGR calculator is used for summarising portfolio performance over extended periods. By expressing growth as an annualised rate, it may help investors compare outcomes across different timeframes and investment approaches. When viewed alongside other performance measures and with knowledge of its potential assumptions, a CAGR calculator may help in understanding how a portfolio has evolved over time, without implying certainty about potential future results.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Make your air conditioner purchase more affordable with the Bajaj Finserv Easy EMI Loan

Buying a new air conditioner can feel like a big investment, but Bajaj Finserv makes it simple and affordable. With the Easy EMI Loan, customers can break down the cost into manageable monthly installments, choosing repayment tenures of up to 60 months. Many AC models are also available with zero down payment, making instant ownership possible. And with over 1.5 lakh partner stores across 4,000 cities, upgrading to a reliable cooling solution this season is both convenient and budget‑friendly.

What’s on offer this summer

Beat the heat without burning a hole in the pocket. Bajaj Finserv offers exclusive deals on premier AC brands tailored to different needs—whether prioritising eco‑friendly energy savings, cutting‑edge smart features, or powerful, consistent performance, there is an ideal cooling solution for every space.

Voltas ACs

• Discounts: Up to 52% off

• Deal offered: 1.5 Ton 5 Star Inverter Split AC at Rs. 37,490

• Models covered: 2024 and 2025 range

• Ideal for: Families seeking maximum savings with trusted performance

Daikin ACs

• Discounts: 36% – 41% off

• Deal offered: 1.5 Ton 3 Star models starting at Rs. 34,490

• Known for: Japanese precision and durability

• Ideal for: Homeowners who value long‑lasting quality and quiet cooling

LG ACs

• Discounts: Up to 30% off

• Special feature: AI convertible cooling adapts to room occupancy

• Ideal for: Tech savvy users who want smart, customised cooling with options like the LG 1.5‑ton air conditioner.

Who can avail these offers

These EMI plans are available to Bajaj Finserv EMI Network Card holders or those eligible for Easy EMI loan across India. Customers can check their pre‑approved loan eligibility by entering their mobile number online.

Disclaimer: The prices are subject to change and may vary by location or retailer. For the latest prices and offers, visit the nearest Bajaj Finserv partner store.

Why buy a new AC from Bajaj Finserv this summer

Upgrading to a high‑performance air conditioner has never been easier or more affordable. With Bajaj Finserv’s Summer Sale offers, customers can bring home the latest AC models through Easy EMIs, zero down payment schemes, and exclusive seasonal discounts designed to fit every budget.

To help buyers save even more, Bajaj Finserv offers the Maha Bachat Savings Calculator — a smart tool that combines brand discounts, dealer offers, and EMI benefits. It helps customers plan purchases efficiently while lowering the overall cost of ownership.

• Browse online: Explore a wide range of ACs from top brands like Voltas, Daikin, and LG on Bajaj Mall. Compare features such as inverter technology, star ratings, and cooling capacity.

• Visit partner stores: Experience models in person at any of the 1.5 lakh+ Bajaj Finserv partner stores across 4,000 cities, with expert guidance available.

• Opt for Easy EMI Loan: Finance up to Rs. 5 lakh with flexible tenures ranging from 3 to 60 months. Many AC models come with zero down payment for instant ownership.

• Check eligibility online: Quickly verify pre‑approved loan limits by entering a mobile number and OTP.

• Use Insta EMI Network Card: Existing cardholders can convert purchases into EMIs instantly with a paperless checkout process.

With trusted brands offering powerful, energy‑efficient ACs at exclusive prices — and Bajaj Finserv making ownership simple and budget‑friendly — this is the perfect time for families to upgrade their home cooling setup.

Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings. 

To know more, visit www.bajajfinserv.in.

An SIP facilitates regular investing, while an SWP enables regular withdrawals from your mutual fund scheme

Understanding how these two stages connect may help frame the broader lifecycle of mutual fund investing in India.

From accumulation to distribution
A Systematic Investment Plan (SIP) allows investors to invest fixed amounts at regular intervals into mutual fund schemes. Over time, these contributions and assumed potential returns interact under compounding principles, contributing to potential growth of the invested corpus.

Once a sufficient potential corpus is accumulated, investors may consider structured withdrawals instead of redeeming the entire investment at once. A Systematic Withdrawal Plan (SWP) permits periodic withdrawals of a fixed amount from a mutual fund scheme while the remaining balance continues to stay invested.

In this transition from potential growth to income, a Systematic Withdrawal Plan calculator serves as an estimation tool. It helps project how long a corpus might sustain periodic potential withdrawals under selected assumptions.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

How a Systematic Withdrawal Plan calculator works
A Systematic Withdrawal Plan calculator typically requires the following inputs:

• Total investment amount or accumulated corpus.

• Withdrawal amount per interval.

• Assumed rate of return.

Based on these inputs, the calculator estimates how the corpus may decline or sustain itself over time after periodic withdrawals. In the Indian mutual fund framework, withdrawals under an SWP are treated as redemptions of units. Each withdrawal reduces the number of units held, while the remaining units continue to participate in market-linked movements.

The projection generated by a Systematic Withdrawal Plan calculator reflects potential outcomes derived from constant return assumptions. Since actual market performance may fluctuate, these projections remain illustrative rather than predictive.

Balancing withdrawal and potential growth
When linking an SIP with a withdrawal strategy, the relationship between contribution phase and income phase becomes central. The size of the potential corpus built during the accumulation stage can directly influence the sustainability of future withdrawals.

A Systematic Withdrawal Plan calculator allows investors to evaluate how different withdrawal amounts may affect the longevity of the potential corpus. Higher withdrawal levels may reduce the duration for which the corpus sustains income, while moderate withdrawals may allow the remaining balance to continue generating potential growth for a longer period.
Because potential returns in mutual funds are market-linked, the sustainability of withdrawals depends on the interplay between the potential withdrawal rate and assumed return rate. The calculator helps visualise this interaction within a structured model. Although, these calculations remain illustrative and not predictive. 

Understanding the role of assumed returns
The assumed annual return entered into a Systematic Withdrawal Plan calculator significantly influences the projections. If the assumed return rate exceeds the withdrawal rate over time, the potential corpus may sustain withdrawals over the long term. If potential withdrawals exceed assumed returns, the potential corpus may reduce relatively rapidly.

These projections are based on constant growth assumptions. For this reason, projections are typically interpreted as scenario illustrations rather than assurances.

Linking SIP accumulation with withdrawal planning
The transition from a Systematic Investment Plan to periodic withdrawals represents a shift in financial objectives. During the accumulation phase, the focus is on building potential growth. During the withdrawal phase, it shifts toward generating periodic income while ensuring relative stability of capital.

A Systematic Withdrawal Plan calculator helps bridge these stages by showing how the accumulated corpus from a Systematic Investment Plan might support regular withdrawals under selected assumptions. By adjusting withdrawal amounts or return expectations, investors may observe how projected sustainability changes across scenarios. This may help bring about awareness of trade-offs between income requirements and the potential longevity of the corpus.

Recognising structural limitations
While a Systematic Withdrawal Plan calculator offers a numerical projection, it operates on simplified assumptions. It typically assumes a fixed rate of return and consistent withdrawals. In reality, market movements influence unit values, and withdrawal timing may affect realised outcomes.

In India, mutual fund redemptions are also subject to applicable taxation and exit load structures, depending on scheme type and holding period. Such factors may not be reflected in basic calculator projections and may influence actual results.

Conclusion
A Systematic Investment Plan and a withdrawal strategy represent two interconnected stages of mutual fund investing. The accumulation phase focuses on building a potential corpus, while the distribution phase centres on generating potential periodic income.

A Systematic Withdrawal Plan calculator provides a structured way to examine how potentially accumulated investments may translate into potential income streams over time. Although projections remain dependent on selected assumptions, they may help illustrate how growth-oriented investing and income-oriented withdrawals may connect within the mutual fund framework without implying certainty about future performance.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Bajaj Finserv Personal Loan

With rising financial requirements driven by changing lifestyles, emergency expenses, education needs, and travel plans, customers increasingly seek faster and more convenient funding options. Bajaj Finance addresses this demand by offering a seamless, digital loan journey that ensures quick approvals, minimal documentation, and quick disbursal, all through a secure and user-friendly interface.

Fast and convenient loan application process
The approval process is supported by advanced analytics and verification tools. These capabilities enable customers to apply for personal loan online and receive quick eligibility decisions, eliminating long processing delays.

By simplifying the borrowing experience, Bajaj Finance ensures that customers can manage urgent financial requirements without procedural hurdles or extended waiting periods.

Personal loan app for seamless access
Customers can access instant personal loan services through the personal loan app, which offers a smooth and integrated borrowing experience. The app allows users to explore personalised loan offers, check eligibility, submit applications, and manage repayments from a single digital platform.

Designed with simplicity and ease of navigation in mind, the app enables applicants to complete the entire loan process within minutes. The platform also provides access to EMI calculators, repayment schedules, and account management tools, ensuring transparency and convenience throughout the loan lifecycle.

Key features of Bajaj Finserv Personal Loans
Bajaj Finserv Personal Loans come with a range of customer-focused features that support affordability, flexibility, and ease of access:

• Loan amounts starting from Rs. 40,000 and extending up to Rs. 55 lakh, subject to eligibility

• Flexible repayment tenures ranging from 12 months to 96 months

• Competitive interest rates designed to suit diverse borrower profiles

• Minimal documentation requirements

• Quick disbursal directly to the customer’s registered bank account

These features enable individuals to apply for personal loan confidently, ensuring that financial support is both timely and convenient.

Designed to address diverse financial needs
The instant personal loan offering is structured to cater to a broad spectrum of financial requirements. Customers can use the funds for medical treatments, higher education, wedding planning, travel expenses, home renovation, lifestyle upgrades, or debt consolidation.

By offering flexible loan amounts and repayment options, Bajaj Finance allows customers to select EMI plans that align with their income flow and financial goals. This approach encourages responsible borrowing while providing the flexibility needed to manage both planned and unexpected expenses effectively.

Simple process to apply for personal loan online
The digital process to apply for personal loan through Bajaj Finance is designed to be straightforward and efficient:

• To get started, the applicant can visit the Personal Loan page on the Bajaj Finserv website and click on ‘APPLY’.

• They will need to enter their 10-digit mobile number and verify it using the OTP sent to their phone.

• Next, they can fill in the application form with basic details related to their loan requirement.

• After that, they can click on ‘PROCEED’ to move to the loan selection page.

• Here, they can enter the loan amount they need and choose from the available personal loan variants.

• They can then select a comfortable repayment tenure, ranging from 12 months to 96 months, and click on ‘PROCEED’.

• Finally, they need to complete the KYC process and submit the application online.

This streamlined journey eliminates the need for branch visits, lengthy documentation, or complex procedures, offering a hassle-free borrowing experience.

Enabling financial planning and stability
Instant personal loans also support better financial planning by providing predictable repayment schedules and flexible tenures. Customers can structure their EMIs to align with monthly budgets, helping them maintain financial discipline while meeting personal and professional goals.

By offering quick access to credit combined with flexible repayment options, Bajaj Finance helps individuals manage short-term cash flow gaps and long-term financial commitments with greater confidence.

*Terms and conditions apply

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

KreditBee, India’s leading online credit solution provider, has successfully leveraged its partnership with Truecaller, the leading global communications platform to enhance customer interactions, continuing to build trust at every touchpoint.

KreditBee has consistently championed transparency, customer-centricity, and convenience in an industry where trust is paramount. The adoption of Truecaller’s Customer Experience Solution Suite marks another significant step in its mission to enhance customer confidence and engagement.

The implementation of Verified Business Caller ID enables KreditBee to display its brand name, logo, category, verification tick, and green badge, further eliminating uncertainty and reinforcing authenticity. Customer Experience capabilities like Call Reason enable customers to understand the context of incoming calls—whether it is about their KYC, loan disbursements, EMI reminders, or customer support —thereby enhancing transparency and engagement. KreditBee utilizes Truecaller’s Call Me Back capability, which enables customers to schedule preferred call-back slots, ensuring they never miss critical loan inquiries and loan payment reminders. This results in an uplift in loan disbursements and collections.

Speaking on the collaboration, Ajeet Kumar - Chief Operating Officer, Kreditbee "At KreditBee, trust, transparency and timelines have always been the drivers of our interaction with customers. Our collaboration with Truecaller adds an important layer to our existing communication framework, further strengthening our customer outreach. It reinforces secure, reliable and trustworthy lines of communication with our customers. With this partnership, we continue to raise the bar on security to ensure every interaction from KreditBee remains authentic and protected."

Speaking about the strategic partnership, Priyam Bose, Global Head of GTM and Developer Products at Truecaller, emphasized the shared vision of both companies to foster secure and efficient communication. "At Truecaller, our mission is to empower businesses by delivering seamless, secure, and contextually rich communication experiences that build trust and customer delight. We are thrilled to partner with KreditBee, India’s leading fintech platform, to enhance customer communication. Together, we are setting new standards for how trust, convenience, and digital innovation converge to shape the future of outcome-driven customer engagement.”

Truecaller’s Customer Experience Solution is trusted by over 3000+ businesses globally, delivering enhanced communication capabilities that promote brand recognition, build trust, and safeguard customers from scams and fraud.

About KreditBee

KreditBee, India’s leading online credit solution provider, caters to a vast user base of both salaried employees and self-employed individuals. By offering the convenience of personal loans, along with business loans, loans against property (LAP), two-wheeler loans, and other financial products KreditBee has tailored its services to meet individual requirements.

With a strong focus on online tech-based and data-centric KYC, KreditBee envisions solving the financial inclusion gap in the varied demographic segments of the country. The platform is a Series-D funded entity, backed by Advent International, Premji Invest, Motilal Oswal Alternates, TPG-NewQuest, Mitsubishi UFJ Financial Group, ICICI Bank, and Mirae Asset Venture Investments. The company serves the credit and other personal finance requirements through its in-house RBI-registered NBFC, KrazyBee Services Limited (a Systemically Important NBFC), along with partnerships with over 10 renowned financial institutions.

About Truecaller

Truecaller is an essential part of everyday communication for over 450 million active users worldwide, with more than one billion downloads since launch and 68 billion spam and fraud calls identified in 2025 alone. The company is headquartered in Stockholm and has been publicly listed on Nasdaq Stockholm since October 2021.

For more information, visit www.truecaller.com.

Ponmudi R, CEO - Enrich Money

A key industry-first innovation is the “Share Chart” feature, a real-time collaborative charting capability that allows users to draw trendlines, add analytical notes, and publish structured market views directly on a live chart. Unlike static screenshots that require repeated resharing, Share Chart enables multiple users across locations to view and engage on the same live chart simultaneously, creating a seamless, interactive, social-media-like analytical environment. By encouraging transparent, logic-based analysis and community learning, ORCA Chart aims to reduce dependency on unverified tips and speculative market predictions, fostering a more disciplined and education-driven trading ecosystem in India.

Building on this collaborative innovation, Enrich Money has launched an integrated trading community that allows users to share charts, exchange ideas, and receive real-time feedback from fellow traders—directly within the platform.

ORCA Chart is seamlessly integrated within ORCA, Enrich Money’s comprehensive all-in-one investment platform that brings together equities, F&O, commodities, ETFs, bonds, IPOs, and mutual funds under a single unified framework.

At a time when most stockbrokers in India rely on third-party charting solutions, Enrich Money stands among the select few to build and operate a fully in-house charting platform. This transition from fragmented external dependencies to a proprietary, India-built architecture enhances platform efficiency, lowers latency, and improves system stability—particularly during high-volatility and event-driven market sessions.

“Indian traders deserve technology that evolves at the speed of the markets,” said Ponmudi R, Founder & CEO, Enrich Money. “With ORCA, we have built a fully in-house, India-engineered ecosystem that combines speed, intelligence, and collaboration. By eliminating third-party dependencies and integrating AI-driven insights with real-time execution, we are empowering traders with greater control, deeper market understanding, and a platform truly aligned with India’s unique market dynamics.”

Built entirely in India, the integrated technology stack unifies charting, real-time market data streaming, advanced analytics, AI-driven intelligence, onboarding, and trader collaboration into a single high-performance ecosystem engineered for speed, control, scalability, and reliability across asset classes.

Designed from the ground up for rapid rendering and precision execution, ORCA’s proprietary charting engine supports advanced technical studies with exceptional speed and accuracy. The platform also features Scalper Mode, enabling one-click trade execution directly from the charts and eliminating the delays commonly associated with external charting engines—thereby improving decision-making speed and execution efficiency for active traders.

ORCA is Enrich Money’s most advanced AI-driven investment platform, powered by intelligent engines that continuously monitor price action, volatility, and news triggers. By delivering real-time market insights and instant alerts on key movements, the platform enables traders to respond swiftly and confidently to evolving market conditions.

The platform also introduced an AI-driven Strategy Builder, designed to help traders create, test, and refine trading and options strategies using real-time, data-driven outputs. This empowers users to move from idea generation to structured execution with greater precision and confidence. In addition, ORCA offers AI-based fundamental analysis that simplifies complex financial data into clear, decision-ready insights—helping investors evaluate opportunities with clarity and speed.
Further enhancing the user experience, the platform features an AI-driven KYC workflow that enables fast, fully digital account opening within just two minutes, while remaining fully aligned with SEBI compliance requirements. Last year, Enrich Money became the first distributor in India to introduce mutual fund SIPs starting at just INR 10 on its ORCA App—democratizing access to disciplined investing at an unprecedented scale. Unlike platforms that restrict INR 10 SIPs to select in-house offerings, Enrich Money enables investors to start with just INR 10 across multiple mutual fund AMCs through ONDC integration.

This pioneering initiative has significantly lowered the entry barrier to wealth creation, bringing mutual fund investing within reach of millions—particularly in Tier-2 and Tier-3 cities and among first-time investors. By combining accessibility, technology, and choice, Enrich Money continues to empower a new generation of Indians to take meaningful steps toward achieving their financial goals and aspirations. (ENDs) 

About Enrich Money 
Enrich Money is a SEBI-registered wealth-tech platform dedicated to simplifying investing and trading. Its flagship ORCA App combines low-cost access, advanced analytics, and seamless execution to empower retail investors across India. With INR 10 SIPs and ONDC-enabled access, Enrich Money is redefining wealth creation by fostering disciplined investment habits for India’s next generation of investors. The company’s latest innovation, Trade Mode, further strengthens its offering by catering to diverse sections of traders with specialized workspaces, faster execution, and advanced strategy-building tools.

Stable Money x ONDC
 

The surge comes at a time when market uncertainty is pushing more Indians towards regulated gold and silver exposure through exchange-traded funds, moving away from physical holdings or unregulated alternatives.
 

Stable Money operates on ONDC, an open digital infrastructure that enables platforms to reach investors across the country without being locked into closed ecosystems. By leveraging ONDC's interoperable network, Stable Money offers seamless access to SEBI-regulated mutual funds and ETFs - making it easier for investors to access trusted financial products. This alignment reflects a shared vision: democratising access to regulated investments through open, transparent infrastructure.
 

With precious metal prices hovering near multi-year highs and ongoing global economic uncertainty, investors are increasingly favouring SEBI-regulated gold and silver ETFs for their transparency, ease of access, and regulatory oversight. Stable Money has recorded its highest monthly transaction volumes in these asset classes, reflecting a clear shift in investor preference toward products they can trust. ONDC saw nearly 1,50,000 transactions in Jan ‘26, closing at an AUM of INR 72 Crores.
 

"When markets are uncertain, investors want products and platforms they can trust - and the numbers show it. We're seeing our highest transaction volumes ever in gold and silver ETFs because people are choosing SEBI-regulated products over physical holdings or unregulated options. They want transparency, safety, and easy access all in one place. By operating on open infrastructure like ONDC and focusing exclusively on regulated investments, we're able to meet that demand at scale without locking investors into closed ecosystems,” said Saurabh Jain, Co-founder and CEO, Stable Money.
 

Hrushikesh Mehta, SVP - Financial Services at ONDC, said, “Stable Money’s activity on the ONDC Network reflects growing adoption of open, interoperable infrastructure within financial services. Participation at this scale indicates increasing maturity of network-led distribution models. It also points to broader access to regulated investment products across platforms. This represents an important phase in the evolution of open digital networks.”
 

This growing preference is clearly reflected across Stable Money’s 30 lakh-strong user base, where the platform has recorded its highest-ever transaction volumes in gold and silver ETFs. By leveraging open digital infrastructure such as ONDC and maintaining a focused approach on regulated investments, Stable Money is well-positioned to meet this demand at scale while keeping investor choice and trust at the core.
 

About Stable Money

Stable Money is India’s leading fixed-income investment platform that enables individuals to earn stable and secure returns through fixed deposits, bonds via Stable Bonds, and other low-risk instruments. Founded in 2022, the platform has built a user base of over 30 lakh investors and facilitated more than Rs. 4,000 crore in investments with a simple, trusted, and transparent digital experience. The company has raised $40 million from top investors, including Z47, Fundamentum, Lightspeed, and RTP Global, along with prominent angel investors such as Sriharsha Majety (Swiggy), Kunal Bahl, and Rohit Bansal (Snapdeal).
 

For more information, please visit www.stablemoney.in.

About ONDC
Incorporated on 30th December 2021, the Open Network for Digital Commerce (ONDC) is a Section 8 company established by the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce and Industry, Government of India. ONDC aims to create a transformative digital infrastructure that enables open, unbundled, and interoperable network for commerce in India.
 

It is not an application, platform, intermediary, or software, but a set of specifications designed to foster inclusive and collaborative digital ecosystems.
 

To know more, visit ondc.org.

A compound interest calculator helps you visualize the power of compounding

A compound interest calculator offers a structured way to examine this behaviour. By placing reinvestment and withdrawal scenarios side by side, it helps illustrate how potential outcomes may differ as time progresses. 

This approach may support understanding of how reinvestment interacts with time in a long-term investing context. Such tools may be used for comparison and illustration and not for predicting potential conclusions.

Reinvestment as a repeated choice
Reinvestment refers to allowing interest, dividends, or gains to remain invested instead of being withdrawn. In the short-term, this choice may not appear to alter much. Over longer periods, however, its influence may become more noticeable with each reinvestment cycle. This process may be particularly relevant in market-linked investments, where potential returns are uneven and distributed across cycles.

 
Compounding has the potential to be more effective when investments remain invested for longer durations. Discussion around compounding may revolve around consistency and on how it functions across extended periods, rather than on frequent action. 
Visualising reinvestment using a compound interest calculator.

Because compounding unfolds gradually, its effects may not be intuitive. A compound interest calculator may help translate this process into comparable figures.

For example, when earnings are withdrawn periodically, the investment may have less capital available for compounding, which can limit long-term growth. When earnings are reinvested instead, the base amount increases over time, allowing compounding to potentially accelerate the growth trajectory. Comparing these scenarios could help investors observe how reinvestment could influence potential outcomes, even when calculation assumptions remain unchanged.

Actual results may vary from the calculations as they’re only illustrative and not conclusive. Instead, they provide a way to explore how different behavioural choices may interact with time. 

The calculator is an aid, not a prediction tool. It may provide only an indicative picture. 

The power of compounding
The power of compounding describes how potential earnings, when retained, may generate additional potential income over time. As this process repeats, its effect might become more visible across longer periods, particularly when reinvestment remains uninterrupted.

In investment discussions, the power of compounding may commonly be associated with:

• Long-term equity investments.

• Retirement-focused planning.

• Regular investment approaches that place importance on discipline.

These associations arise because time and consistency play a central role in compounding. However, compounding does not operate independently of potential risk or market variability.

Compounding neither reduces uncertainty nor guarantee favourable outcomes. Market-linked investments remain subject to risks. However, the power of compounding gives investments the potential to grow significantly in the long run. 

How withdrawals influence the pattern
When potential earnings are withdrawn, part of the compounding process is interrupted. This does not suggest that withdrawals are inappropriate, as individual financial needs may vary across life stages. From a numerical perspective, however, withdrawals reduce the potential amount that remains available for future compounding.

A compound interest calculator may help compare scenarios with and without withdrawals. Over extended periods, even relatively modest interruptions may lead to noticeably different outcomes. These differences may become relatively clearer when viewed across longer horizons rather than shorter intervals.

The impact of withdrawals is therefore less about timing individual decisions and more about how frequently the compounding process is allowed to continue uninterrupted.

Conclusion
Reinvestment does not imply certainty of potential results. It represents a framework shaped by time, behaviour, and potential expectations. By understanding the power of compounding and using a compound interest calculator to visualise different scenarios, investors may gain insight into how repeated decisions might potentially accumulate over long horizons.

In some cases, the decision to reinvest may not feel significant at the moment it is made. Over longer periods, its effects may become more visible as potential outcomes gradually take shape, without requiring relatively frequent intervention.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Step-up SIP: A step-up SIP allows you to increase your SIP contributions at regular intervals

A step up SIP calculator could help provide a way to examine how incremental changes in SIP contributions may influence the overall investment journey.

What a step-up SIP is designed to reflect
An SIP allows you to invest in a mutual fund scheme in regular instalments – daily, weekly, monthly etc. A step-up SIP involves increasing the SIP contribution at predefined intervals (example, an annual 8% step-up). The increase is usually expressed as a percentage of the existing SIP amount. While salary growth may be frequently used as a reference point, the step-up itself remains a voluntary adjustment rather than an automatic one.

A step-up does not alter the structure or risk profile of the underlying mutual fund scheme. The investment continues within the same scheme, following the same asset allocation and market exposure. The only variable that changes is the contribution amount, which affects the pace at which the capital is added over time.

Exploring contribution paths using a step-up SIP calculator
A step-up SIP calculator is a planning tool that helps estimate how your corpus may potentially grow if you increase your contribution by a fixed percentage each year. It typically requires you to enter your starting SIP amount, expected annual step-up rate, investment duration, and an assumed rate of return, and then calculates an illustrative future value based on compounding.

Since future income changes and market performance cannot be predicted with certainty, the results shown are based on hypothetical scenarios and fixed return assumptions that may not play out in real life. For example, comparing a modest annual step-up rate with a higher one may show how contribution totals and estimated corpus values differ over longer periods. These illustrations do not guarantee outcomes, but may help visualise how small annual increases can accumulate gradually over time.

Common uses of a step-up SIP calculator include:

• Observing how stepped contributions may accumulate relative to a flat SIP

• Comparing conservative and higher step-up percentages

• Understanding how contribution growth interacts with time and compounding

Overall, the calculator should be viewed as an aid for comparison and planning rather than a precise prediction tool.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Linking step-ups to salary growth
Salary growth is not always steady or predictable. In some years, increments may be significant, while in others, income may remain unchanged. Due to this variability, increasing SIP contributions strictly in line with salary hikes may not always be practical.

Instead, step-ups may be considered after evaluating changes in expenses, savings goals, and liquidity requirements. Rather than mechanically matching salary growth, the decision to step up a SIP usually reflects how much additional surplus income an investor is able to allocate towards investments. A step-up SIP calculator may help explore this under different assumptions, including periods where step-ups are paused or reduced.

Role of a mutual fund scheme
While step-ups influence how much amount is invested, the behaviour of the investment depends on the selected mutual fund scheme and market conditions. Equity-oriented schemes may experience higher variability, while debt-oriented schemes potentially offer relatively stable outcomes. These attributes remain unchanged regardless of whether contributions are stepped up.

As a result, step-up decisions are usually considered alongside factors such as investment horizon, risk tolerance, and the nature of the chosen mutual fund scheme, rather than as a standalone choice.

Limits of step-up planning
Step-up SIPs do not reduce market risk or volatility. Market-linked investments continue to be subject to fluctuations, and higher contributions do not change this underlying reality. Step-ups also do not ensure favourable results, as potential outcomes depend on multiple variables beyond contribution levels.

Recognising these limits may help keep realistic expectations. Step-ups are advised to be viewed as a way to adjust contribution behaviour, not as a mechanism to influence potential market performance.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Bajaj Finserv Personal Loan

1. Eligibility criteria
Before applying for an instant personal loan, it is essential to understand the eligibility requirements. Customers can apply for a Bajaj Finserv Personal Loan if they meet a few basic conditions, such as

• Nationality: Indian

• Age: 21 years to 80 years*.

• Employed with: Public, private, or MNC.

• CIBIL Score: 650 or higher.

• Customer profile: Self-employed or salaried

*Applicants must be 80 years or younger, at the end of the loan tenure.

2. Choose a reputed and trustworthy financial partner
Selecting a reputed and trustworthy financial partner is essential when applying for an instant personal loan. A reliable institution ensures transparency, data security, and smooth service throughout the loan journey. Bajaj Finance Limited stands out for its strong customer-centric approach, offering quick approvals, funds disbursal within 24 hours*, and seamless digital processes. In addition, its extensive branch network and dedicated customer support provide both online and offline assistance, ensuring personalised service at every step. Choosing a trusted financial partner like Bajaj Finance helps customers enjoy a hassle-free borrowing experience, backed by reliable support and efficient service.

3. Interest rates 
With Bajaj Finance, customers can avail an instant personal loan with interest rates starting from 10% p.a.* This ensures affordable monthly repayments while providing timely financial support. Additionally, processing fees, which are usually a small percentage of the loan amount, should be considered. Understanding these costs beforehand helps borrowers plan their repayments efficiently and avoid surprises.

4. Loan amount and repayment tenure
With Bajaj Finance, customers can apply for an instant personal loan ranging from Rs. 40,000 to Rs. 55 lakh, with a repayment tenure of 12 months to 96 months. Funds can be disbursed within 24 hours*, providing quick access to financial support when needed. Using a personal loan EMI calculator, applicants can easily estimate monthly payments based on loan amount, tenure, and interest rate, helping them plan their finances effectively and achieve their objectives with ease.

5. Terms and conditions
Finally, reviewing the terms and conditions of the loan is indispensable. This includes prepayment charges, late payment penalties, and any hidden fees that could add to the cost. Understanding the fine print ensures transparency and helps borrowers avoid financial stress in the long run. 

Conclusion
An instant personal loan can provide a timely financial boost for various needs, including medical emergencies, home renovations, or travel plans. However, careful consideration of eligibility, interest rates, loan amount, and terms ensures a smooth borrowing experience. Using tools like a personal loan EMI calculator allows applicants to plan their repayments effectively, ensuring financial well-being while leveraging the convenience of instant loans.

By taking these precautions, customers can confidently apply for a personal loan and achieve their goals without compromising their financial stability.

*Terms and conditions apply

About Bajaj Finance Limited
Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), a subsidiary of Bajaj Finserv Ltd., is a deposit taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 69.14 million customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BB+/Positive and a short-term rating of B by S&P Global ratings.

PayU, India’s leading diversified fintech platform, today announced the launch of inFINity 3.0, the most ambitious and comprehensive edition of its fintech accelerator program to date. Designed for early-stage fintech startups, the latest edition of inFINity offers a high-octane opportunity for founders to validate product–market fit, sharpen Go-To-Market strategies, unlock distribution access, and build for institutional scale. As part of inFINity 3.0, PayU has partnered with Atrium Ventures, a micro venture capital firm, to provide select startups with direct exposure to early institutional capital. Atrium Ventures will mentor the cohort and actively participate in Demo Day, creating pathways for startups to pursue potential investment opportunities. Additionally, AWS continues as the Official Cloud Partner for inFINity 3.0, providing participating startups access to cloud infrastructure, technical enablement, and AWS Activate credits.
 

Applications for inFINity 3.0 are open until 6th March 2026 for early-stage fintech startups. Apply now

What does inFINity 3.0 offer:

• Fast-track to market through PayU’s ecosystem: Participants gain structured access to PayU’s bespoke payments solutions, merchant network, and banking partners. This enables faster pilots and real customer traction.

• Intensive four-week acceleration sprint: inFINity 3.0 runs a structured four-week sprint focused on Go-To-Market strategy, compliance navigation, scale, and making them investment ready—compressing months of learning into weeks

• 1:1 mentorship from fintech founders and ecosystem leaders: Founders receive direct guidance from PayU leaders, and domain experts who have built and scaled fintech businesses in India’s regulated markets.

• High-Impact Bootcamp and Demo Day hosted in India’s startup capital: The program culminates into an intensive 1.5-day Bootcamp and Demo Day in Bengaluru, featuring curated interactions with select fintech-founders, investors, and ecosystem partners.

As additional benefits, the selected cohort will also unlock up to $10,000 in AWS Cloud Credits per startup (subject to eligibility) *⁽¹⁾, alongside exclusive masterclasses from industry stalwarts such as Umang Kumar, Co-founder & CEO, Cardekho SEA, and Nitin Jain, Co-founder, Ofbusiness.

"India's fintech ecosystem is at an inflection point, with budding founders solving real problems and driving economic impact at scale," said Anirban Mukherjee, CEO, PayU. "Through inFINity, our endeavor is to mentor these innovators and connect them with the right investors and strategic ecosystem partners they need to scale. It isn’t a strategy; it's our way of giving back to the ecosystem that's reshaping India's financial future. This is just a beginning, and we’ll continue building more ambitious initiatives to support our vision of nurturing the country’s fintech entrepreneurs.”

inFINity 3.0 builds on the extraordinary success of its first two editions that collectively received 1,000+ applications. Over the last two editions, the program has seen tangible outcomes such as distribution partnerships, commercial pilots, and increased investor readiness.

Program Timelines and Participation Criteria:

Applications for inFINity 3.0 are currently open and the last date to apply is 6^th March 2026. Upon application closure, a four-week acceleration program will run throughout March 2026, culminating in an intensive 1.5-day Bootcamp and Demo Day in Bangalore during the third week of April 2026.

The application is open for early-stage fintech startups that have raised less than $5 million and are seeking seed to Series A funding.

Beyond inFINity, PayU has built one of India’s most comprehensive startup ecosystems, supporting founders across stages through PayU for Startups — enabling seamless payments, credit access, and scalable financial infrastructure. PayU has also partnered with government ecosystem enablers such as Startup India, DPIIT, state startup bodies including Karnataka and Uttar Pradesh, along with banking institutions such as IDFC FIRST Bank, to deliver tailored financial and payment solutions for startups, particularly beyond metro cities.

For more details, visit: www.infinitynow.tech

About PayU

PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers).

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

According to “The Personal Loan Story” released by Paisabazaar, 11% borrowers in India took a personal loan to meet emergency healthcare and medical expenses, with the share rising to 14% in Tier 1. The same stood at 10% in Tier 2 and 8% in Tier 3. The insight clearly points to low health insurance penetration and rising medical costs leading to dependence on personal loans during medical emergencies.

The report is based on in-depth interviews with 2889 personal loan borrowers across 23 cities and towns, offering insights into key borrowing triggers, preferences, decision drivers, and awareness levels across regions, city tiers, and age groups in India.

Along with medical needs, borrowers cited essential day-to-day essential expenses, urgent home repairs, and wedding or celebratory events as the most common reasons for availing personal loans.
 

Key Highlights of the report

• Borrowing is no longer driven only by need. 48% took personal loans for essential requirements, while 36% borrowed to fund aspirations and 16% for business investments.

• Tier 3 borrowers are 2.4x more likely to borrow for daily needs than Tier 1 borrowers.

• Apart from self-employed borrowing for business investments, salaried individuals (9%) are also leveraging personal loans to fund family/side businesses or passion projects.

• Middle-income India is the most credit-active for aspirational led borrowing. Borrowers earning between Rs. 7.5 to 10 lakh annually show the highest lifestyle borrowing at 40%.

• Credit is being used for life events, with 11% of borrowers financing weddings and celebrations, led by Tier 1 cities at 14%.

• Despite the growth of online loans, many still rely on offline channels for borrowing. Only 32% availed personal loans online

• Impulse borrowing is becoming mainstream, with 25% of borrowers skipping evaluation of other credit alternatives, a behaviour most pronounced among Gen Z at 31%.

Santosh Agarwal, CEO, Paisabazaar, said, “Borrowing decisions today are shaped as much by life events, aspirations and urgency as by interest rates or eligibility. This study is our effort to move beyond transactional data and better understand the motivation and behaviour behind borrower decisions. As consumer behaviour evolves rapidly, it is becoming increasingly important for the ecosystem to understand these shifts and enable responsible, transparent and inclusive credit delivery.”

The study also revealed that post-purchase experience was rated “good” or “very good” by a remarkable 91% of borrowers. Speed was the single strongest driver of satisfaction across both offline (58%) and online channels (57%), followed by simplified processes and less paperwork, reinforcing the premium consumers place on efficiency over form.
 

In terms of credit understanding, the report also shed light on how Indians, though majorly credit aware, are yet to grasp the full depth and breadth of credit intricacies. 98% knew what a credit score is, but only a mere 7% fully understood how it affected their loan approval and pricing.

Download the full report:
www.paisabazaar.com/wp-content/uploads/2017/10/The-Personal-Loan-Story-Paisabazaar.pdf

About Paisabazaar
Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Understanding mutual funds as a structured investment option

This structure may help investors participate in the markets in a more organised manner while relying on professional fund management.

What mutual funds represent in an investment journey

At their core, mutual funds are collective investment vehicles. Each investor holds units that represent a proportionate share of the scheme’s portfolio. The value of these units fluctuates based on the market value of the underlying assets. This structure may suit individuals who prefer a managed approach rather than tracking and transacting in individual securities themselves.

Mutual funds are offered across categories to align with varying investment horizons and risk profiles. These categories may include equity-oriented schemes, debt-oriented schemes, and hybrid schemes. The suitability of any category depends on factors such as financial objectives, time horizon, and comfort with market volatility.

How diversification plays a role
One of the key structural features of mutual funds is diversification. By investing across multiple securities, sectors, or maturities, a scheme may reduce the impact of adverse movement in a single investment. This does not eliminate risk, but the likelihood of concentration-related volatility may reduce when investments are spread across assets.

Diversification works differently across categories. For instance, equity-oriented schemes may diversify across industries, while debt-oriented schemes may diversify across issuers and maturity profiles. Investors may choose schemes based on how this diversification aligns with their expectations and financial planning approach.

Investment approaches within mutual funds
Investors may participate in mutual funds through different investment methods. A lump sum approach involves investing a larger amount at one time, while an SIP allows investments at regular intervals. An SIP may suit individuals who prefer staggered investments over time rather than committing a larger amount upfront.

The choice between these approaches may depend on cash flow patterns, market conditions, and personal preference. It is important to note that each method carries market-related risks and outcomes may vary.

Understanding returns and performance measurement
Returns from mutual funds depend on multiple factors, including asset allocation, market movement, and expense ratios. Performance is generally measured over different time frames to provide context on how the scheme has behaved historically.

While historical data may offer perspective, it should not be viewed in isolation. Investors often compare scheme performance against benchmarks or peer averages to understand relative behaviour, though such comparisons are indicative and not predictive.

Past performance may or may not be sustained in future.

Costs and expense considerations
Mutual funds charge an expense ratio, which covers fund management and operational costs. This expense is deducted from the scheme’s assets and may impact overall returns over time. Lower expenses do not automatically translate to better outcomes, but understanding cost structures may help investors make informed comparisons.

Direct and regular plans also differ in expense structures, which may influence long-term outcomes. Investors may review these aspects based on their investment approach and preference for advisory support.

Role of risk and time horizon
All mutual funds are subject to market risks. Equity-oriented schemes may exhibit higher volatility over shorter periods, while debt-oriented schemes may be sensitive to interest rate movements and credit risk. Hybrid schemes combine elements of both, but still carry market-linked uncertainty.

The time horizon plays a significant role in how these risks manifest. Longer investment horizons may allow periods of volatility to smoothen out, whereas shorter horizons may be more sensitive to market fluctuations. Aligning investment horizons with scheme characteristics is an important consideration.

Using tools to estimate potential outcomes
Investors sometimes use tools such as a mutual fund returns calculator to estimate how an investment amount might grow over time under assumed return scenarios. Such tools typically allow users to input variables like investment amount, duration, and expected rate of return to generate illustrative projections.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

While a mutual fund returns calculator may help in visualising potential outcomes, it does not account for real-time market conditions or future uncertainties. These projections should therefore be viewed as broad illustrations rather than forecasts.

Factors investors may evaluate before choosing mutual funds
Before selecting mutual funds, investors often evaluate multiple aspects such as scheme objective, asset allocation, historical behaviour across market cycles, expense ratios, and alignment with personal financial goals. Risk appetite and liquidity needs also influence this evaluation.

It may be useful to review scheme documents carefully to understand how the fund is structured and managed. Decisions are generally more effective when made in the context of an overall financial plan rather than in isolation.

Conclusion
Mutual funds offer a structured way to participate in financial markets across different asset classes and investment styles. Their diversified nature, professional management, and variety of categories may suit investors with varying objectives and horizons. However, outcomes remain linked to market movements and individual scheme characteristics. A thoughtful evaluation of goals, risk tolerance, and time horizon, along with a clear understanding of how mutual funds function, may support more informed investment decisions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Simple interest calculator

What simple interest means in everyday terms
Simple interest is calculated only on the original amount invested, also known as the principal. The interest earned does not compound or earn further interest. This makes it easier to understand and predict.

For example, if a sum is invested at a fixed rate for a fixed period, the interest is calculated once on the principal for the entire duration.
For illustrative purpose only

Because of this linear structure, simple interest is often used for short-term instruments or basic learning purposes, rather than long-term wealth planning.

How a simple interest calculator works
A simple interest calculator uses three basic inputs: principal amount, rate of interest, and time. Based on these, it shows the interest earned and the total value at the end of the period.

The calculation follows a standard formula, which keeps outcomes predictable and easy to interpret. This makes the simple interest calculator suitable for understanding time-value concepts without market variables.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Why understanding simple interest may still matter
While mutual funds do not operate on simple interest, understanding this concept may help you build financial clarity. It shows how time and rate influence outcomes in a direct manner, without compounding effects.

This clarity may be useful when comparing different savings and investment options. It may also help you recognise why long-term market-linked investments behave differently from fixed-return instruments.

Comparing simple interest with market-linked investing
Simple interest offers certainty in calculation, but it does not reflect how mutual funds work. Mutual fund returns depend on market movements and portfolio performance.

performance: Past performance may or may not be sustained in future.

Unlike simple interest, mutual fund returns may vary year to year. Over longer periods, compounding plays a role, which is not captured in simple interest calculations. Understanding this distinction may help you set suitable expectations and avoid comparing unrelated return structures.

Using a simple interest calculator for basic planning
You may choose to use a simple interest calculator when planning short-term goals or understanding how fixed-rate products behave. It may also help in estimating interest from basic lending or savings arrangements.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

However, it is generally not used to evaluate mutual fund investments, as these involve varying returns and compounding over time.

Where mutual funds fit into the picture
Mutual funds are managed investment products where money is invested across assets such as equity or debt, depending on the scheme objective. An asset management company oversees these investments, following stated mandates and regulatory frameworks.

Unlike simple interest-based products, mutual funds do not promise fixed outcomes. Returns depend on multiple factors including market conditions, asset allocation, and time horizon. Understanding simple interest first may help you appreciate why mutual fund outcomes are not linear.

Understanding the role of an asset management company
An asset management company is responsible for managing mutual fund schemes and making investment decisions in line with the scheme objective. The company appoints fund managers, ensures compliance, and handles day-to-day operations.

The asset management company does not guarantee returns. Its role is to manage investments professionally within defined risk parameters, while outcomes remain linked to market performance.

Conclusion
A simple interest calculator is a useful learning tool for understanding basic interest concepts and linear growth. It may help build financial awareness and provide clarity on how time and rate influence money. However, mutual fund investing operates differently, with returns linked to markets and compounding over time. Understanding this distinction may help you approach investments with more informed expectations and a suitable perspective.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

The comprehensive industry evaluation assessed leading technology providers across five critical performance dimensions: breadth and coverage of analytical solutions, market impact, computational infrastructure capabilities, strategic alignment, and innovation in analytical environments. Wibmo's ranking reflects the company's strong performance in delivering advanced security and analytics solutions that address critical challenges in retail banking.

"At Wibmo, we've always believed that the best solutions emerge from truly understanding our partners' challenges – whether that's enhancing trust, streamlining digital experiences, or strengthening security frameworks," said Shailesh Paul, CEO at Wibmo. "Being recognized amongst the global top-50 reinforces our commitment to building technology that enables our banking partners to grow and serve their customers better. As the industry embraces ever-increasing digitization and AI, we're excited to continue co-creating solutions that make complex payment ecosystems reliable and secure.”

The ranking evaluation encompassed multiple functional domains crucial to modern banking operations, including retail credit analytics, fraud and risk management systems, customer behaviour analytics, AI-driven decisioning platforms, and financial optimization tools. Wibmo's inclusion highlights the company's expertise in developing solutions that address the evolving needs of digital-first banking environments. Wibmo proudly collaborates with 200+ banks across 30+ countries.

Key areas where Wibmo demonstrated excellence include:

Advanced Analytics Infrastructure: Robust computational frameworks supporting machine learning and statistical modelling

Innovation in Banking Solutions: Development of next-generation analytical platforms that address complex challenges in payments security, banking operations, and intelligent decisioning

Strategic Market Positioning: Strong alignment between technological capabilities and market needs

Comprehensive Platform Coverage: Broad functionality addressing multiple aspects of payments and banking security, operations, and growth

The retail banking analytics sector represents a highly competitive and rapidly evolving market space, with increasing demand for sophisticated solutions that can handle real-time decision-making, fraud prevention, and customer personalization. Financial institutions are increasingly seeking partners who can provide integrated analytics platforms that combine multiple functional capabilities within unified technological ecosystems.

Wibmo's recognition comes at a time when retail banking institutions are prioritizing investments in advanced analytics to enhance customer experiences, optimize risk management, and improve operational efficiency. The company's solutions enable banks to leverage data-driven insights for credit decisions, fraud detection, customer acquisition strategies, and pricing optimization.

The ranking methodology employed rigorous evaluation criteria, with emphasis placed on vendors demonstrating broader platform capabilities, foundational innovation in analytics tools, sophisticated decisioning frameworks, and effective ecosystem integration strategies. Companies were scored based on their contributions to advancing the retail banking analytics industry and their ability to deliver comprehensive solutions addressing multiple banking functions.

About the Ranking

The Retail Banking Analytics 50 represents an authoritative assessment of solution providers serving the retail banking analytics market. The evaluation process considers factors including technological innovation, market impact, platform comprehensiveness, and strategic positioning within the evolving financial services landscape.

Read Report

About Wibmo | PayU

Wibmo, a PayU company, operates across entities in India, the US, and Indonesia. As a global full-stack PayTech company and an industry leader in payment security and digital payments in emerging markets, Wibmo stands out for its innovation and impact.

In addition to being India’s largest authentication service provider in one of the leading digital payment markets globally, Wibmo offers comprehensive fraud and risk management solutions, digital financial services, prepaid solutions, and a broad range of merchant-acquiring services.

Using a step up SIP calculator to plan gradual increases in SIP contributions
 

Understanding the concept of a step-up SIP

A step-up SIP allows you to increase your SIP contribution at predefined intervals. Instead of investing a fixed amount throughout the tenure, the contribution rises periodically, usually in line with income progression or revised savings capacity. You may choose the frequency and percentage of the increase at the outset, depending on what suits your planning horizon.
 

This structure may suit investors who prefer starting with a manageable amount and adjusting contributions gradually. It is commonly considered in long-term planning where consistency and discipline are prioritised over short-term outcomes.
 

Why investors consider a step-up approach

A gradual increase in SIP contributions may help align investing habits with changing life stages. Early in one’s career, surplus income may be limited, while later years may allow higher allocations. By planning incremental increases, you may avoid the pressure of committing a larger sum at the start.
 

This approach also supports habit-building, as the initial SIP amount remains within comfort levels. Over time, the likelihood of maintaining continuity may increase, provided contributions remain aligned with income changes.
 

How a step up SIP calculator supports planning

A step up SIP calculator helps you estimate how periodic increases in SIP contributions may influence the overall investment journey. By entering variables such as starting amount, step-up rate, and tenure, you may view an indicative projection of how contributions and potential outcomes evolve over time.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.
 

Using a step-up SIP calculator may assist in comparing different step-up rates and understanding how small increases may affect long-term accumulation. It allows you to explore scenarios without making assumptions about certainty or outcomes.
 

Interpreting outputs with caution

While a step up SIP calculator presents projections, it is essential to interpret these outputs carefully. Any illustration is based on assumed inputs and does not account for market fluctuations or changes in personal circumstances.

Performance: Past performance may or may not be sustained in future.
 

If an example shows a higher accumulated value due to stepped-up contributions, it reflects a mathematical projection rather than an assured outcome.

*For illustrative purpose only
 

You may treat such outputs as a reference point for planning conversations rather than as a basis for expectation-setting.
 

Factors to consider before choosing step-up increments

Before deciding the step-up percentage, you may review income stability, expected changes in expenses, and existing financial commitments. A modest increase that aligns with realistic cash flows may be more suitable than an aggressive step-up that becomes difficult to sustain.
 

Using a step up SIP calculator again with revised assumptions may help you reassess affordability under different conditions. This iterative approach supports informed planning without over-reliance on a single scenario.
 

Where hybrid funds may fit in a broader plan

Within a diversified portfolio, some investors also explore hybrid funds to balance exposure across asset classes. Hybrid funds combine different investment types within a single structure, which may suit those seeking moderated variability alongside growth-oriented components.
 

When considering such options, it is important to view them as part of an overall allocation strategy rather than in isolation. The suitability of hybrid funds depends on individual goals, time horizon, and comfort with variability.
 

Conclusion

A step-up approach to SIP investing focuses on gradual progression rather than immediate scale. Tools such as a step up SIP calculator may help you visualise how incremental increases in contributions interact with time and consistency. While such tools support planning, outcomes remain uncertain and depend on multiple factors. A measured, well-considered approach aligned with personal circumstances may help maintain continuity over the long term.
 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

slice UPI credit card
 

slice is building its banking ecosystem around this change. Designed as a UPI-first bank, slice integrates savings, credit, and investments into a single digital experience that mirrors how Indians already transact. Three offerings in particular reflect this approach, addressing long-standing gaps in value, access, and simplicity.

Savings account linked to 100% of the RBI repo rate

slice has introduced India’s first savings account linked to 100% of the RBI repo rate, ensuring customers earn returns aligned with the true cost of money in the economy. Interest is calculated and credited daily, allowing savings to grow in real time rather than through static, below-market rates.

The offering is enabled by slice’s digital-first operating model, which keeps costs low and deploys deposits through disciplined lending to generate a healthy spread over the risk-free rate. Customers benefit from transparent returns, no minimum balance requirements, instant liquidity, and full digital access from day one, including UPI for everyday transactions.

By aligning profitability with fairness, the product sets out a new benchmark for what consumers should expect from a modern savings account.
 

UPI credit card built for everyday payments

As UPI becomes the default payment mode across India, slice is extending credit to where users already transact. The slice UPI credit card allows customers to scan and pay at any UPI-enabled merchant while drawing directly from an approved credit limit, embedding credit into routine payments instead of restricting it to traditional card usage.
 

This shift matters because access to formal credit is still limited for a large part of the population. Banks play a critical role as stabilizing institutions, enabling consumers to build a credit history early in their financial journey. Regular, responsible credit usage helps individuals qualify over time for lower-cost loans such as home loans, education loans, or business credit. For millions, the absence of a simple entry point into formal credit delays these opportunities.
 

Check the NPCI podcast between Rajan Bajaj, Founder & ED, slice and Dilip Asbe, MD & CEO, NPCI
 

The card offers up to 3% cashback based on usage, features such as “slice in 3” for no-cost EMI conversion on purchases above Rs. 2,000, and weekly rewards through slice sparks. With no joining, renewal, or annual fees, and a fully digital experience, the slice UPI credit card lowers barriers to formal credit while aligning with existing payment behaviour.
 

Digital fixed deposits with high returns and regulatory protection

For users seeking predictable and secure returns, slice offers fully digital fixed deposits that combine traditional stability with app-based convenience. Customers can open, manage, and track deposits entirely online, choosing from multiple tenures based on their financial goals.

The fixed deposits offer interest rates of up to 7.25% per annum and are insured up to Rs. 5 lakh by the DICGC, providing an additional layer of regulatory protection. By pairing competitive returns with transparency and ease of access, slice is reimagining even conventional products for a digital-first audience.
 

As banking continues to evolve alongside India’s digital economy, slice’s integrated approach highlights a broader shift in consumer expectations. Platforms that simplify savings, spending, and wealth creation within a single ecosystem are increasingly shaping preference, signaling a new chapter in how Indians experience banking.

Gullak, a digital gold savings platform, today announced the launch of India’s first jeweller savings scheme marketplace, bringing leading jewellery brands onto a single digital platform. The marketplace currently features CaratLane, with two more large jewellers set to launch in the coming days, and 15-20 additional brands planned to be added over the course of the year as the platform scales.
 

Manthan Shah, Naimisha Rao, Dilip Jain (L-R) - Gullak Co-founders
 

The launch marks a significant step in Gullak’s vision to build the most comprehensive product ecosystem for gold lovers, one that supports every stage of a consumer’s gold journey, from short-term gifting to long-term life goals.
 

Jewellery savings schemes have long been trusted by Indian consumers, but discovery has remained fragmented across individual brands, often requiring users to visit multiple stores or platforms to evaluate options. This has led to confusion around which scheme best fits a consumer’s needs. Gullak’s jeweller scheme marketplace brings these schemes onto a single digital platform, allowing users to discover multiple options side by side, choose how they save, and manage their jewellery savings seamlessly in one app.
 

While this launch marks the first step, Gullak’s ambition extends beyond aggregation. Over time, the company aims to build India’s leading jeweller marketplace, bringing together trusted brands, co creating innovative products with jewellers and helping users consistently access the best value for money.

“Many users tell us that while gifting gold especially for anniversaries and other recurring milestones brings immense joy, the purchase often burns a hole in the pocket. Gullak’s jeweller schemes are designed to solve this exact tension - helping users spread the cost of meaningful gifts over time, without compromising on quality or intent. The marketplace fits naturally into recurring use cases like anniversaries, where users redeem jewellery every year on the same date,” said Manthan Shah, Co-founder of Gullak.

Early traction has indicated strong demand for the marketplace. Given Gullak's highest concentration of serious Gold lovers, in just five days of launch, the platform has already surpassed volumes of several physical stores. Jewellers have seen strong engagement and high-quality customer demand through Gullak, with many users turning out to be first-time buyers for these brands and arriving with clear purchase intent.
 

“Jewellers are extremely happy with the scale & quality of customers coming through Gullak. Many of them are first-time buyers for these jewellers, and they come with a clear intent to purchase gold jewellery,” said Manthan Shah.
 

Saumen Bhaumik, Managing Director, CaratLane, said, “CaratLane jewellery is about celebrating life’s daily milestones. Our partnership with Gullak enables millions to plan and save for the pieces they aspire to own - making the journey to owning a natural diamond ring or tennis bracelet as seamless as the purchase itself.”
 

While this launch marks the first step, Gullak’s ambition extends beyond aggregation. Over time, the company aims to build India’s leading jeweller marketplace, bringing together trusted brands, co creating innovative products with jewellers and helping users consistently access the best value for money.
 

As more jewellers come onboard, Gullak envisions becoming the default destination for anyone planning to buy gold, whether for gifting, milestones, or legacy purchases - further strengthening its position as a leading platform for gold lovers in India.
 

About Gullak
Gullak is a Bengaluru-based digital savings and investment platform that automates micro-investments into 24K digital gold, making it easy for users to build wealth through small, regular contributions. The app allows users to set up savings via UPI autopay or round-ups on everyday spends, and accumulated gold can be redeemed as physical gold coins, jewellery through partner jewellers, or converted to cash. Founded in 2022 by Manthan Shah, Naimisha Rao and Dilip Jain, Gullak aims to democratise gold savings across India and has partnered with thousands of jewellery outlets to broaden redemption options while making gold planning accessible and seamless for millions of users.

PayU’s Startup Republic campaign launches with a 120-second hero film capturing the collective spirit of India's entrepreneurial republic, followed by a series of 36 five-minute documentary films
 

India's startup landscape, as of December 31, 2025, boasts more than 2 lakh DPIIT-recognized startups, spanning D2C and diverse business verticals, that have generated employment for over 2.1 million people, with women representation in leadership roles (as directors or partners) exceeding 45%. 

The initiative includes showcasing entrepreneurs from DPIIT-registered startups located in emerging entrepreneurial hubs outside the metros, highlighting narratives from geographically underrepresented regions. Through this inclusive strategy, entrepreneurial achievements from India's varied territories gain nationwide recognition and visibility through a unified story of national progress.

The campaign launches with a 120-second hero film capturing the collective spirit of India's entrepreneurial republic, followed by a series of 36 five-minute documentary films. Spanning diverse segments including lifestyle, travel, health, FMCG, and others, these films represent the true breadth of India's entrepreneurial republic. Each film profiles a founder from a different state or union territory, offering an intimate look at their journey, challenges and aspirations. Rolling out across PayU's social channels starting January 23^rd ahead of Republic Day celebrations, these stories demonstrate how India's startup ecosystem embodies the 'Made in India, built for the world' ethos reshaping the nation's economic landscape.

"The next decade of India's digital economy will be built by founders who understand local consumers deeply and scale with global ambition. At PayU, we believe India's greatest asset is its entrepreneurial spirit. Startup Republic celebrates entrepreneurs actively writing India's future through authentic storytelling, because innovation has no zip code in India and real nation-building happens when founders from Ladakh to Lakshadweep see that their dreams matter. This initiative reflects where India is headed, not just where it stands today," said Vineet Sethi, Chief Growth and Marketing Officer, PayU.
 

“Under Startup India, India’s startup ecosystem is moving beyond scale to focus on depth and genuine impact. With innovation reaching every state and union territory, entrepreneurship is becoming a powerful nation-building force. Initiatives like Startup Republic showcase these diverse success stories, proving that India’s innovation economy is growing well beyond the metros,” said Shri Sanjiv, Joint Secretary, Department for Promotion of Industry and Internal Trade.

This campaign celebrates D2C startups, an integral segment of PayU's merchant ecosystem, bringing these nation-builders into the spotlight during India's most significant patriotic moment. Under an MoU with DPIIT, PayU is working with Startup India to empower startups across India—not just in metro cities—by delivering tailored payment solutions, mentorship, exclusive community access, and fundraising opportunities to support growth at every stage.

PayU also runs InFiNity, India’s leading fintech accelerator, which has enabled 60 startups across two cohorts with 1:1 mentorship, partnership opportunities, and over $5 million in investments, translating founder innovation into real scale.

Watch the film: youtu.be/pw0gGHXj9zc
 

About PayU
PayU, India's leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital financial services needs of customers (merchants, banks, and consumers).
 

PayU provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options, and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.
 

About Startup India
Launched on 16 January 2016, Startup India is a sector-agnostic flagship initiative of the Government of India aimed at building a strong, resilient, and inclusive startup ecosystem across the country. Anchored by the Department for Promotion of Industry and Internal Trade (DPIIT), the initiative works to catalyse a culture of innovation and entrepreneurship by enabling startups through progressive policy reforms, ease of doing business measures, access to funding, incubation and mentorship support, and market linkages.

The startup movement, ignited by the Hon’ble Prime Minister Shri Narendra Modi, has transformed India into one of the world’s fastest-growing innovation hubs. From approximately 500 startups in 2016, the ecosystem has expanded to over 2 lakh DPIIT-recognised startups spanning diverse sectors and geographies, including a significant presence from Tier II and Tier III cities. Startup India continues to play a pivotal role in nurturing homegrown innovation, fostering job creation, promoting inclusive economic growth, and strengthening India’s position as a global startup destination.

The largest convergence of India’s collections ecosystem—one platform, unmatched scale, decisive impact

Collections in India is at a turning point.

As regulations tighten, borrower expectations rise, and technology reshapes recovery models, the industry needs more than conversations—it needs clear direction and collective leadership.

That’s where the Bharat Collection Summit & Awards 2026 returns.

After two transformative editions, India’s most influential collections platform is back to set the agenda for responsible, compliant, and future-ready collections—bringing together the leaders who don’t just adapt to change, but drive it.

Power-Packed Keynotes & Thought Leadership

The Bharat Collection Summit & Awards 2026 features an elite lineup of India’s most influential financial leaders and fintech innovators, delivering insights that matter.

Keynote Speaker

Prashant Mehra

Group Head – Retail Portfolio Management & Fraud Control, HDFC Bank

Featured Industry Leaders

• Rakesh Sharma – Head of Collections, Fibe (formerly EarlySalary)

• Rajaram Manian – Chief Risk Officer, Tyger Capital (formerly Adani Capital)

• Sushant Kumar – Head, Collections & Resolutions, ICICI Home Finance Company Limited

• Vivek Katyayan – COO, Kissht

• Debashish Mohanty – SVP & Head, Collection Strategy, Kotak Mahindra Bank

• Sanju Mangrulkar – Head, Credit Monitoring & Policy, Central Bank of India

• Chandrasekhar Das – VP, Collection Strategy & Analytics, YES Bank

• Ananth Shroff - Founder & CEO ,DPDzero

• Abhishek Rao - Founder, Resollect

• Sonali Jindal - Founder, Rezolv

• Karan Mehta - Co-Founder, Rezolv

• …and many more leaders shaping the future of collections in India

Building the Future of Responsible Collections — Our Ecosystem Partners

Powered by trusted partners driving innovation and credibility:

• DPDzero – Presenting Partner

• Resollect – Co-Presenting Partner

• Rezolv – Gold Partner

• Credit Nirvana – Silver Partner

• Dista – Exhibit Partner

• Neowise (a Decentro company) – Exhibit Partner

• Wevaad – Exhibit Partner 

• FACE – SRO-FT Partner

• Bharat CXO, News Patrolling, Asia Business Outlook – Media Partners

What’s on the Agenda?

High-impact keynotes and expert-led panels will deep-dive into:

• AI & analytics-led transformation in collections

• Regulatory compliance, governance & risk frameworks

• Borrower experience, ethical recovery & trust-building

Every session is designed to deliver practical insights, real-world case studies, and actionable strategies for today’s fast-evolving collections environment.

**The Bharat Collection Summit & Awards 2026 isn’t just an event—

it’s where India’s collections industry sets its direction for the future.**

Date: 18 February 2026
Venue: The Lalit, Mumbai
Register Now: www.thebharatcollectionsummit.com.

ZebPay Introduces SIPs to Promote Disciplined, Long-Term Bitcoin Investing

Reinforcing its long-standing Bitcoin-first philosophy, ZebPay has designed its SIP offering with a clear emphasis on systematic Bitcoin investing, while also extending access to a curated set of 15 crypto investing pairs. Anchored in the brand’s “Bitcoin Mein Pro” ethos, the initiative underscores ZebPay’s belief that long-term value in crypto is built through discipline, consistency, and informed participation rather than short-term speculation.

Sharing his views on the launch, Rahul Pagidipati, CEO of ZebPay, said, “Bitcoin investing, like any long-term financial journey, rewards discipline and consistency. While market volatility is inevitable, systematic investing can help users navigate these cycles with greater confidence. Through the launch of SIPs, we aim to make it easier for Indian investors to adopt a long-term mindset, leverage rupee-cost averaging, and participate in the crypto ecosystem in a more structured and responsible manner."

By enabling regular investments at fixed intervals, ZebPay SIPs help users reduce reactionary decision-making and build disciplined investing habits focused on long-term participation in the crypto ecosystem. The feature is suited for both first-time investors beginning their crypto journey and experienced users seeking a more structured investment approach. Furthermore, ZebPay SIPs enable users to automate their crypto investments on a daily, weekly, or monthly basis through the platform’s Quick Trade feature. Investments are executed automatically at prevailing market prices, allowing for hands-free investing while helping users average their purchase costs over time. Users also retain full flexibility, with the option to pause, resume, or cancel their SIPs at any time, without lock-ins or penalties.

Raj Karkara, COO of ZebPay, mentioned, “Over the years, we’ve seen growing interest from users seeking simpler, more automated ways to invest in crypto without the need to constantly track the markets. ZebPay SIPs are designed to offer users control and transparency while reducing the friction associated with manual investing. This launch marks another step in our ongoing efforts to build intuitive, compliant, and investor-first solutions for India’s evolving crypto community.”

Setting up a SIP on ZebPay is designed to be simple and transparent. Users can select a crypto asset of their choice, set a fixed investment amount in INR, and choose an investment frequency aligned with their financial goals. Each SIP execution is carried out through Quick Trade market orders, with the purchased crypto credited directly to the user’s account. Investors also have clear visibility into their investment amounts, applicable fees, and execution history at all times.

In line with ZebPay’s commitment to accessible and responsible investing, SIPs follow the same fee structure as Quick Trade. As a special benefit, users making their first-ever Bitcoin transaction, even if via SIP, will enjoy a zero-fee experience, making it easier for new investors to take their first step toward systematic Bitcoin investing. On that note, ZebPay SIPs are available to KYC-compliant users, with investments executed only when sufficient wallet balance is present. The feature has been live on Android and web platforms from January 8, 2026, and has also become available on iOS since January 12, 2026.

With this launch, ZebPay reinforces its position as a platform focused on long-term value creation. The SIP offering embodies the company’s broader philosophy of promoting disciplined investing, setting ZebPay apart from platforms primarily focused on active or high-frequency trading.

About ZebPay
ZebPay is one of India’s oldest Bitcoin exchanges, with over 6 million registered users. Founded in 2014, it strives to be the leading blockchain asset solution provider and the #1 financial advisor for Indians in the crypto space. The company’s mission is to help its members achieve financial freedom in the Web3 economy. ZebPay is an FIU-registered digital asset exchange, accessible via zebpay.com/in/ as well as the Android Play Store and Apple App Store. Customers can invest in Bitcoin, Ethereum, BAT, and 400+ other crypto pairs, trading both crypto-fiat and crypto-crypto. ZebPay OTC, a bespoke trading desk for high-volume clients, serves both individual and institutional investors.

For more details, please visit: www.zebpay.com.

For details related to ZebPay’s security measures, please visit the security page.

A key component of PMAY-U 2.0 is the Interest Subsidy Scheme (ISS), under which eligible beneficiaries can receive an interest subsidy of up to Rs. 1.80 Lakh over a period of 5 years on their housing loan. This helps reduce the effective cost of borrowing and supports more manageable monthly repayments. The subsidy is applicable on home loans sanctioned and disbursed after 1 September 2024, subject to eligibility and scheme norms.

Eligible homebuyers who opt for Bajaj Housing Finance Limited’s Sambhav Home Loan can apply for PMAY-U 2.0 interest subsidy benefits, subject to the scheme’s eligibility framework, verification, and allotment process, among other factors. Final allotment under PMAY-U 2.0 is determined based on preference categories outlined in the official guidelines.

Eligible applicants can also check their eligibility and register for PMAY-U 2.0 benefits through the Unified Web Portal of PMAY 2.0, launched by the Ministry of Housing and Urban Affairs, as per the scheme’s eligibility criteria and process.

As urban India continues to expand, widening access to housing remains central to building stronger communities. PMAY-U 2.0, through its interest subsidy framework, helps eligible households reduce the cost of borrowing, while lending solutions such as Sambhav Home Loan expand access to home loans for customers with varied income profiles. Together, these efforts contribute to a more inclusive housing ecosystem for eligible homebuyers.

Sambhav Home Loan is designed for homebuyers from the unorganised segment, including micro-entrepreneurs, self-employed individuals, and households with cash-based incomes. The product framework is structured to consider varied income profiles and, where applicable, supports assessment through alternative income and repayment indicators. The product framework also follows a simplified documentation approach for eligible applicants, subject to internal verification and credit norms.

Borrowers can read PMAY-U 2.0 scheme details and registration information on the Unified Web Portal of PMAY 2.0.

BHFL is a facilitator of the PMAY-U 2.0 application and does not guarantee any receipt of the subsidy.

About Bajaj Housing Finance Limited

Classified as an ‘Upper-Layer NBFC’ by the RBI pursuant to Scale Based Regulations, Bajaj Housing Finance Limited (BHFL) is a subsidiary of Bajaj Finance Limited — one of the most diversified NBFCs in the Indian market, catering to more than 110.64 million customers across the country. Headquartered in Pune, BHFL offers finance to individuals as well as corporate entities for the purchase and renovation of homes, or commercial spaces. It also provides loans against property for business or personal needs as well as working capital for business expansion purposes. BHFL also offers finance to developers engaged in the construction of residential and commercial properties as well as lease rental discounting to developers and high-net-worth individuals. The Company is rated AAA/Stable for its long-term debt programme and A1+ for its short-term debt programme from CRISIL and India Ratings.

For more queries, visit www.bajajhousingfinance.in

The approval enables PayG to support a comprehensive range of payment use cases through a single, compliant platform. These include processing online payments, enabling offline and in-store transactions through POS, QR and device-based solutions and handling cross-border payments for international customers and global merchants.

With the complete set of PA licenses in place, PayG further strengthens its regulatory standing and expands its ability to serve businesses operating across multiple channels and geographies. The approvals ensure end-to-end regulatory compliance, enable wider market reach across offline-first and export-driven businesses and support stronger partnerships with enterprises and banking institutions. This milestone also establishes PayG as a fully licensed payment aggregator with clear differentiation in the payment’s ecosystem.

For merchants, the expanded authorization offers a unified platform to manage online, offline and cross-border payments. It simplifies international expansion through RBI-compliant infrastructure, ensures secure, transparent and compliant transactions, and enables seamless payment journeys for customers across touchpoints.

Commenting on the milestone, Mr. Kamal Manohar Jangeti, Chairman of PayG, said, “Receiving RBI approval for Offline and Cross-Border Payment Aggregation is an important milestone for PayG. It reflects our continued focus on regulatory compliance and building a robust payments infrastructure. With the full suite of Payment Aggregator licenses in place, we are well positioned to support merchants across online, in-store and international markets through a single, trusted platform.”

With the completion of its full suite of Payment Aggregator licenses, PayG enters its next phase of growth with a strong regulatory foundation. The expanded approvals position the company to support businesses across digital, physical and cross-border payment environments, while maintaining the highest standards of compliance and operational integrity. As payment needs continue to evolve, PayG remains focused on building a secure, scalable and inclusive payments infrastructure aligned with India’s regulatory and economic priorities.

About PayG

Founded in 2020, the PayG payments solution is one of the most trusted payment gateway service providers in India. We proudly make our payment gateway one of the most affordable ones so that everyone can access it. PayG also frees the merchants from all sorts of extra charges. So, you pay for only what you want - no hidden terms and conditions. As of now, PayG has partnered with 1000+ SMB merchants and 50+ enterprise clients. PayG features over 120+ payment options which include various banks’ credit cards, debit cards, net banking, and wallets to accept payment easily.

Breaking down basic returns through simple interest calculator

What simple interest means in financial terms

Simple interest refers to interest calculated only on the initial amount invested, also known as the principal. Unlike compounding, the interest earned does not get added back to the principal for future calculations. As a result, the growth pattern remains linear over time.

This method of calculation is often used for short-term instruments or illustrative purposes. It is not designed to reflect how most market-linked investments function, but it may help explain basic return mechanics.

How a simple interest calculator works

A simple interest calculator typically uses three inputs: the principal amount, the rate of interest, and the time. Based on these inputs, it shows the total interest earned and the final value at the end of the chosen period.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Using a simple interest calculator may help you visualise how time and rate influence returns under a fixed structure. However, real-world investments often behave differently due to market-linked factors.

Where simple interest calculations are commonly used

Simple interest calculations are generally applied in situations where returns are predefined and time horizons are short. These may include certain deposits or lending arrangements, depending on terms and conditions.

In mutual fund investing, simple interest is not the method used to compute returns. Still, understanding it may provide a baseline for comparing how different return structures work conceptually.

Understanding limitations of simple interest models

One key limitation of simple interest is that it does not account for reinvestment of earnings. As a result, it may understate potential outcomes when compared with compounding-based approaches over longer durations.

A simple interest calculator also assumes stability in rate and tenure. Markets, however, move through cycles, and investment values may fluctuate accordingly. Treating calculator outputs as learning tools rather than decision inputs may help maintain realistic expectations.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Using calculators as part of early-stage planning

Calculators are often used to bring structure to financial thinking. They help convert abstract ideas into numbers that are easier to interpret. A simple interest calculator may be particularly useful at an early stage, when the objective is to understand how returns are computed mathematically.

That said, calculators do not capture factors such as volatility, taxation, or changes in economic conditions. These elements may materially influence actual outcomes.

Comparing basic and market-linked return views

As investors move beyond basic concepts, they may explore tools that reflect market-linked behaviour more closely. While simple interest offers clarity, it does not mirror how mutual fund returns are generated.

At this stage, some investors refer to an investment return calculator to understand how different assumptions around time, contribution levels, and expected rates interact mathematically.
The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Using an investment return calculator alongside a simple interest calculator may help highlight the difference between linear and variable return structures, without implying certainty.

Conclusion

A simple interest calculator may serve as a foundational tool for understanding how basic return calculations work. While it does not reflect the dynamics of market-linked investments, it may help build clarity around interest mechanics and time value. As investment understanding evolves, additional tools and perspectives may be required to account for real-world complexity and uncertainty.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Understanding one-time investments with lumpsum calculator

What a lumpsum investment involves

A lumpsum investment refers to investing a single amount at one point in time, rather than spreading contributions periodically. This approach may be considered when you have surplus funds available or when aligning investments with a specific financial milestone.

The performance of a lumpsum investment is closely linked to market entry timing and subsequent market movement. As a result, short-term fluctuations may influence outcomes more visibly than with staggered investments.

How a lumpsum calculator works

A lumpsum calculator typically requires inputs such as the investment amount, assumed rate of return, and time. Based on these assumptions, it provides an indicative future value of the investment.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

By using a lumpsum calculator, you are exploring hypothetical scenarios rather than forecasting actual returns. Real market behaviour may differ from assumed conditions.

Understanding assumptions behind calculator illustrations

Every calculator output is based on fixed assumptions. Equity funds move through cycles, and returns may vary from year to year. A lumpsum calculator does not account for interim volatility, portfolio changes, or external economic events.

It may be useful to review assumptions periodically and treat calculator outputs as a reference point rather than a basis for decision-making.

The calculator is an aid, not a prediction tool. It may provide only an indicative picture.

Market timing and its influence on lumpsum investments

Since a lumpsum investment is made at one time, market levels at the point of entry may influence short- to medium-term outcomes. Entering during a market peak or correction may lead to different interim experiences.

Over longer horizons, market movements may even out, but this is not guaranteed. Understanding this sensitivity may help set realistic expectations when planning a lumpsum allocation.

Role of asset allocation in managing variability

Asset allocation plays an important role in shaping how investments respond to market conditions. A diversified allocation across equity and other asset classes may help balance volatility, depending on market behaviour.

While a lumpsum calculator does not reflect allocation-level dynamics, it may still help frame discussions around time horizon and assumed growth rates.

Exploring equity exposure in long-term planning

Equity-oriented investments are often considered for long-term financial objectives due to their market-linked nature. When you invest in equity fund options, outcomes depend on company performance, economic conditions, and broader market trends.

Past performance may or may not be sustained in future.

When planning to invest in equity fund categories through a lumpsum approach, aligning the investment horizon with risk tolerance becomes particularly important.

Using planning tools thoughtfully

Planning tools may help organise financial thinking, but they do not replace professional judgement or market understanding. A lumpsum calculator helps illustrate mathematical possibilities, not market realities.

Similarly, deciding to invest in equity fund categories involves understanding volatility, liquidity, and time horizon. Tools and insights may support this process, but certainty is not possible.

Conclusion

A lumpsum calculator may help you understand how a one-time investment could evolve under assumed conditions. It is best used as a planning aid rather than a predictive measure. When combined with an understanding of market behaviour and personal risk tolerance, such tools may support more informed investment conversations, while acknowledging that actual outcomes may vary.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

KSFE Dividend Presentation: Finance Minister K.N. Balagopal receiving the Rs. 70 crore dividend for FY 2024-25 from KSFE Chairman K. Varadarajan and MD Dr. S.K. Sanil

Recognized nationally for Excellence in MSME Financing and Leadership in Financial Inclusion, KSFE is now pivoting from a regional powerhouse to a national pillar of trusted finance.

“The achievement of KSFE is not just a success for Kerala, but a resilient model for the entire country. At a time when many financial institutions have faltered due to policy flaws, KSFE has proven that a public sector entity, rooted in transparency and public trust, can become a national leader in the financial sector,” stated Kerala Finance Minister K.N. Balagopal.

The "Mission One Crore" Surge

Entering 2026, KSFE has officially activated "Mission One Crore." With a current base of 6 million customers, the institution is aggressively expanding its digital footprint and physical presence to reach 10 million customers across India.

Why KSFE is Winning the Trust War:

• While the private NBFC sector faces volatility, KSFE’s "State-Backed" model has become a safe haven for Non Resident Keralalits

• Hyper-Growth: Business volume doubled from Rs. 50,000 Cr to Rs. 100,000 Cr in just 48 months.

• Fiscal Strength: A net profit of Rs. 512 Crore (FY24-25) with Rs. 8,925 Crore in fixed deposits safely held in the state treasury.

• Social Impact: Unlike private lenders, KSFE returned Rs. 504 Crore to the public through interest waivers and contributed Rs. 920 Crore to state development projects.

Innovation for the New-Age Indian

The 2026 strategy is anchored by two flagship initiatives:

The Fraternity Fund: Rebranding the traditional "Chitty" for Gen Z and Millennials as a peer-to-peer savings-cum-credit tool for high-end education and home-building.

Digital First: The KSFE Power App is now processing thousands of transactions daily from the Malayali diaspora and young professionals in metros like Bangalore, Mumbai, and Delhi.

"KSFE is no longer a Kerala-only secret. We are India’s answer to sustainable, ethical finance. Our win at the BW Emerging Business Awards proves that our model of 'People over Profits' is what India wants in 2026," says Dr. S. K. Sanil, Managing Director, KSFE.

About KSFE

KSFE is a 100% Kerala Government-owned financial institution. Since 1969, it has provided a transparent and secure alternative to private money lenders, now operating 683 branches with a business volume exceeding Rs. 1 Trillion.

With a powerful 6% cashback on dining and travel spends, the revamped PaisaSave Credit Card delivers strong value with no joining fee​
 

With a powerful 6% cashback on dining and travel spends, the revamped PaisaSave Credit Card delivers strong value with no joining fee, making it an ideal choice for consumers who are avid travellers, foodies and frequent diners.
 

The upgraded card also offers savings on day-to-day spends and is one of the most rewarding lifestyle credit cards in its segment for new-age India. Customers can earn up to Rs. 3,000 cashback per month through accelerated 6% benefits on dining and travel. Beyond this cap, all spends in these categories continue to earn 1% cashback.

In addition, users can instantly activate a virtual YES BANK PaisaSave RuPay Credit Card, allowing seamless UPI-based credit payments for everyday transactions.
 

Mr. Anil Singh, Country Head – Credit Cards and Merchant Acquiring, YES BANK, said, “As spending on dining and travel continues to grow, credit card users are seeking meaningful rewards that truly add value to these experiences. We are pleased to present the new PaisaSave Credit Card, in partnership with Paisabazaar, which brings premium benefits and propositions designed to elevate everyday financial experiences for consumers across segments.”
 

Ms. Santosh Agarwal, CEO, Paisabazaar, said, “Our co-created strategy with YES BANK remains focused on building digital-first, high-impact products. Conversations with consumers have indicated that cashback continues to be one of the most sought-after propositions in credit cards. With the new PaisaSave Credit Card, we wanted to build an exceptional proposition. The card adds genuine value to a large and growing consumer segment, for whom eating out and travel are an integral part of their lifestyle.”
 

The card carries no joining fee, and the annual fee of Rs. 499 from the second year onward can be waived upon achieving Rs. 1.2 lakh spends in the preceding year.
 

Key Features of the upgraded YES BANK Paisabazaar PaisaSave Credit Card:

• 6% cashback on dining and travel spends across platforms such as Zomato, Swiggy, EazyDiner, MakeMyTrip Goibibo, Airbnb, hotel chains like Taj, Marriott, Radisson etc.

• Unlimited 1% cashback on all other online, offline and UPI spends

• 1% fuel surcharge waiver

• No joining fee
  ​

Know more about YES BANK Paisabazaar PaisaSave Credit Card: www.paisabazaar.com/yes-bank/paisabazaar-paisasave-credit-card

*Cashback applicable on relevant MCCs.

For detailed information please visit: www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/paisabazaar-credit-card

About Paisabazaar
Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

Eminent Speaker, panellist, and the Award winners at the M1 Group’s Samaah 2025 in Mumbai

Samaah 2025 emphasised the importance of collaboration across the supply chain finance ecosystem to shape the next generation of trade and supply chain financing in India. The forum witnessed participation from the entire banking spectrum, including public sector banks, private banks, multinational banks, and NBFCs.
 

A key highlight of the evening was the keynote address by Mr K. Rajaraman, Chairman, International Financial Services Centres Authority (IFSCA), who underscored the significant under-penetration of global trade finance in India. He noted that current factoring and trade credit volumes stand at approximately USD 45 billion, accounting for only about 10% of India’s merchandise exports of nearly USD 425 billion, compared with a global benchmark of around 20%.
 

Mr Rajaraman highlighted that while initiatives such as TReDS have expanded access to domestic trade finance, particularly for MSMEs, there remains substantial headroom for growth. He emphasised that the future of trade finance lies in technology-led platforms that enhance transparency, mitigate risk, and enable lenders to scale sustainably. With India targeting USD 2 trillion in exports by 2030, he noted that efficient, low-risk access to trade finance will be critical to achieving this ambition.
 

Among the key moments of Samaah 2025 was the unveiling of a comprehensive suite of Supply Chain Finance solutions - UFX (Unified Financing Xperience), developed by MYND Fintech, a subsidiary of M1xchange and a leading digital lending marketplace. The supply chain finance platform is designed for large corporates to manage multiple working capital programs through a single interface. Designed to simplify and unify financing across both payables and receivables, UFX enables enterprises to manage all financing programmes on a single integrated platform. The platform offers deep ERP integration and access to over 70 banks, NBFCs, factors, and TReDS platforms, enabling automated and largely touchless transactions.
 

Commenting on the success of the event, Mr Sundeep Mohindru, Founder and Promoter, M1 Group, said, “The success of Samaah 2025 lies in the depth and quality of conversations across the supply chain finance ecosystem. Bringing regulators, financiers, and industry leaders onto a common platform enabled meaningful dialogue on how technology can reduce friction, mitigate risk, and unlock capital for businesses of all sizes. At M1 Group, we remain committed to building digital infrastructure that supports sustainable growth and strengthens India’s global trade competitiveness.”
 

The forum featured several high-impact discussions, including a panel on ‘Improvement of Yields for Banks’, where industry experts Mr Nagaraj Garla, Executive Director, IDBI Bank, and Mr Deepak Kumar, Senior Executive Vice President, Tata AIG General Insurance Company Limited, shared insights on enhancing yield performance through innovative financing models, digital enablement, and risk-optimised credit frameworks. The session was moderated by Mr Amit Sachdev, Co-founder & COO, M1 Group, and offered actionable perspectives for banks navigating an evolving financial landscape.
 

The event also featured eminent speakers for a panel discussion, such as Mr Ashutosh Sharma, Chief General Manager, IFSCA, Ms Hirva Mamtora, Managing Director & CEO, India Exim Finserve, and Mr Vasumitra Pandey, CEO - Lighting & Durables, SURYA Roshni Ltd., who highlighted ITFS platforms as a game changer in global trade finance, underlining India’s potential to emerge as a hub for cross-border financing innovation. The session was moderated by Mr Munindra Verma, CEO, M1 NXT, A cross-border working capital solution platform.
 

In addition, a fireside chat on ‘Driving the Next Wave of Digital Supply Chain Finance’ featured perspectives from Mr Navin Agarwal, CFO, Welspun Speciality Solutions Limited, Ms Dimple Chitnis, National Head - Sales & Product, Yes Bank, and Mr Chinmaya Deva Tayal, Senior Director - Sales & Business Development, M1xchange. The session focused on emerging trends in digital supply chain finance, reinforcing Mynd Fintech’s leadership in delivering technology-driven, end-to-end SCF solutions across domestic and cross-border ecosystems.
 

The evening concluded with the Financier Excellence Awards, recognising institutions for their outstanding contribution to strengthening India’s trade and supply chain finance ecosystem.
 

Financier Excellence Awards - Winners

• Category: Best Public Sector Bank with Highest Throughput on M1xchange - Winner - State Bank of India, CANARA Bank, Indian Overseas Bank

• Category: Game Changer PSU Bank on M1xchange - Winner: Punjab National Bank

• Category: Fastest Limit & Bidding on M1xchange - Winner: Bank of India

• Category: All rounder PSU bank on M1 Group - Winner: Bank of Baroda

• Category: Best Private Sector Bank with Highest Throughput & Digital Adoption on M1 Group - Winner: IDBI Bank Limited

• Category: Best MNC Bank with Highest Throughput & Digital Adoption on M1 Group - Winner: Development Bank of Singapore

• Category: Emerging NBFC on M1 Group - Winner: Aditya Birla Finance Limited

• Category: Best NBFC with Highest Throughput on M1xchange - Winner: Jio Credit

• Category: Best NBFC Factor with Highest Throughput on M1 Group - Winner: SBI FACTORS LTD

• Category: Best Small Finance Bank with Highest Throughput & Digital Adoption on M1 Group - Winner: Unity Small Finance Bank Limited

• Category: Most Promising Factoring Startup in IFSC - Winner: INDIA EXIM FINSERVE IFSC PVT LTD

• Category: Highest Throughput on M1 NXT - Winner: AIR8 PTE LTD

• Category: Most Innovative International Factor - Winner: MOGLI LABS ASIA PVT LTD (CREDLIX)
   

About M1xchange
M1xchange is a TReDS (Trade Receivables Discounting) exchange that started in April 2017. M1xchange facilitates the financing of trade receivables of MSMEs from corporate buyers through ‘factoring’ or ‘invoice discounting’ by financiers (Banks and NBFC). In a short span of time, M1xchange has onboarded 70+ Banks, 3,500+ corporates, and 70,000+ MSMEs and has facilitated the discounting of invoices of more than Rs 250,000 Crores. Transactions on the TReDS platform happen digitally and start when the MSME Supplier of Goods & Services raises the invoice, and the Buyer validates the same. This permits the financiers (Banks/NBFCs) to bid against the verified and approved invoice. Once the supplier accepts the bid, the payment is processed in 24 hrs. and credited to the MSME's bank account. Through this platform, M1xchange promises MSMEs greater access to finance at competitive rates and without providing any collateral. Further, the financing is without recourse. MSMEs pass on the risk of receivables to the financiers (NBFCs/Banks) by selling their receivables.

www.m1nxt.com, myndfin.com.