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  • Awareness & High Investment Cap to boost P2P lending Surendra Jalan - OMLP2P

    Awareness & High Investment Cap to boost P2P lending Surendra Jalan - OMLP2P

    The size of peer-to-peer (P2P) in the USA is a whopping $35 billion, and Surendra Jalan of OMLP2P sees a huge potential in India going forward. Small ticket loans upto Rs 500,000 have higher potential, and Jalan believes that an increase in P2P lending awareness will supplement the growth, as lack of awareness has been a major roadblock for the P2P industry. Jalan confirms the plan to disburse around ₹ 250cr in next 2 years, and also being in talks with investors to raise funds in the future.

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  • What Is Considered as the Best Interest Rate for Personal loan?

    Interest rates are probably the primary thing you consider when opting for any loan. The lower, the better, right? Though, the answer is not that easy. Personal finance interest rates depend on varying factors and are normally subject to fluctuations. Besides, since the personal loans are unsecured in nature, interest rates can be on higher side when compared to home or auto loans. Let's take a

  • Key reasons for Business Loan application rejection

    Why Business Loan application got rejected? Getting business loan application rejected doesn't mean it's the end of the road. The most important factor is to understand why loan application got rejected. Banks, Financial Institutions or Lenders usually provides reasons for why they rejected a loan application. They can't approve all loan applications for obvious reasons. Reasons why Business L

  • Get Equipment Finance without Security in India for Your Business

    There are many types of finance/loans options available to an individual and businesses in the market like housing loan, vehicle loan, business loan, education loan, marriage loan etc. The business loan includes several types of loans out of which equipment financing is one category. An equipment financing is a business loan's that specific category that is obtained purchase of equipment's

  • A Personal Loan to Pay off Credit Card Bills- Is it a smart decision?

    Everyone wishes to have an abundant stream of cash to splurge whenever, wherever he/she want. Here, credit cards play a crucial role when you are short on cash & credit cards offer a slightly superior limit than your financial capability. Carrying several credit cards is clearly becoming the new standard and symbolic of societal prominence. Nevertheless, it is only a wise decision when you use cre

  • Easy Personal Loans for Government Employees

    Whether you are dealing with unexpected medical expenses or planning your child's higher education or marriage, you need a large sum at once. Therefore, taking a personal loan makes a lot of sense. If you are planning to take care of an urgent expenditure, all you need is personal loan at competitive interest rates, which is remarkably easy to avail for government employees. With a secure incom

  • Is Taking a Joint Personal Loan Beneficial?

    Several borrowers opt for a joint personal loan with a co-applicant - usually a family member. As a result, the co-applicant also becomes responsible for the loan repayment. Should you opt for a joint loan? When you get a co-applicant, your eligibility for the personal loan enhances. Before proceeding, you need to know about two important things a. Credit Score: The credit score of your co-

  • Personal Loan Vs Credit Card? Which One is Better for Funding Travel needs?

    Everyone needs a holiday occasionally to unwind. But whether it is 7 days backpacking trip or a weekend getaway, travelling can weigh heavy on your pocket. Many people opt for a credit card or a personal loan to fund their expeditions. But is one better than the other? Using Personal Financing for Travel Personal financing offers various advantages. It is an unsecured loan, which can cover all

  • How to Manage Family Finances and Adjust Lifestyles during the COVID-19

    It is famously said that the only uncertainty is certain. No human being ever has managed to prepare for what the future holds for them, and uncertainty is a big part of our existence. The current times are the perfect example of the uncertainty playing havoc and turning lives upside down. The unforeseen advent of the COVID-19 pandemic has adversely impacted the entire world. It has thrown governm

  • How to Apply for a Top Up Loan?

    A top-up loan is an additional amount you can borrow over and above your - existing personal or business loan. You can apply for this only after paying off a specified number of EMI's. So, if you have a steady loan repayment record, your bank or financial institution can let you borrow some additional money either at a lower or the same interest rate. Sounds like something you might need but no

  • A Personal Loan for Medical Emergency

    Health problems that were once incurable can now be cured, thanks to the advancements in technology that have made complex treatments possible. But the cost of these medical treatments are so high that not everyone can afford them, especially people who fall under the middle-class category. Any treatment that includes surgery, the cost of the entire treatment often goes up to a few lacs. compelli

  • Why diversity is good for investments?

    Let me start by quoting famous saying "Don't put all your eggs in one basket", Similarly, based on your objectives you may have allocated your investment into various asset classes such as equity, fixed income, insurance, commodities, and P2P lending. But if you do not diversify your investment within each asset class, the exercise, according to experts, is sub-optimal. Portfolio Diversificatio

  • What Happens If You Miss Your EMI Payment On Loan?

    When you take a loan from a lender, you make a legal commitment to repay the loan. However, life often surprises you from time to time and traps you in a whirlwind of uncertainties like - a job change, or a health event, which can quickly throw you off track. These events limit you from going on with a fairly planned financial journey and lead to missed payments on your loans or credit cards. Even

  • Top 9 FAQs about Credit Score in 2021

    How can I improve my CIBIL Score? You can improve your CIBIL Score by maintaining a good credit history, which is important for loan approvals by lenders. Follow these steps to better your score: a. Pay all overdue: It is extremely important to pay your debts on time. This affects approx. 35% of your credit score. Pay on time, all the time. Your credit scores can be considerably impacted wi

  • Lending to peers may be worth a look

    Peer-to-peer lending can give higher returns at relatively lower risk in a falling interest rate scenario Interest rates have come down significantly. Bank deposit rates have eased, and fixed income mutual fund running yields (portfolio YTMs) are much lower than earlier. In this situation, investors looking for relatively higher returns can eye an avenue known as peer-to-peer (P2P) lending. L

  • Worried about Your Business Post Lockdown - Facing Temporary Financial Challenges?

    Small and medium business enterprises (SME's) have seen a boost in current times. They have shown favorable growth in terms of popularity and financial significance. These Micro and Small business are one of the biggest influencer for job creation (self-employments) as well as wealth creation. More and more SME's are now bringing new approaches in business to stand out among their contempo

  • How does auto investment works on P2P lending platforms, and its advantages

    It is better to invest your money instead of keeping it idle. Idle money does not generate any revenue,and you have an array of asset-classes to choose from. It is said that compounding of interest income is the eighth wonder of the world, because it works even when you are sleeping. Needless to say that P2P lending platforms are delivering much higher and stable returns on investments, compare

  • What should I do if I have defaulted in my Loan Repayment in past?

    Repaying a loan in time and keeping up with the EMIs payment is important for availing future loans and also to have competitive terms of borrowings, like lower interest rate, extended period of credit, higher amount of loan, etc. However, It's possible that due to unavoidable circumstances one may default in payment of an EMI or series of EMIs. Such defaults of payment of EMI/s is quite worrying

  • What is Annual Percentage Rate (APR) and its importance in Loans

    Annual percentage rate, commonly known as APR, is a number that represents the total cost of borrowing a sum of money from a lender. The term APR refers to the annual rate of interest charged by a lender from its borrowers for the amount he lend; the rate will be cited in % term on an annual basis. As we know, interest is the time cost of the money a borrower enjoy / a lender part with. Such in

  • Importance of Working Capital in Business

    Working capital is the capital of a business which is used in its day-to-day trading operations, calculated as the current assets minus the current liabilities. Net operating working capital is a measure of a company's liquidity and refers to the difference between operating current assets and operating current liabilities. Need of Working Capital Management Efficient working capital manag

  • P2P Loans: All you need to know before applying

    Practice of giving and taking of loans is as old as money itself. What's modern is the ease of comfort and scale of loaning, being afforded by the modern age technology. Ten years ago, an individual needing a loan to start a business, consolidate debt, or cover unexpected home improvements would have limited options to borrow from his or her known friends, family, and acquaintances outside of

  • Is Personal Loan Protection Insurance Important For You?

    Personal loans can cover everything from debt consolidation to medical bills, house renovation, children education, marriage in family, or even major life events like adoption or a wedding, business support requirements, etc. Availing loan is helpful to take care of such situation and keep the family happy and going. Also help business to handle financial challenges and boost the growth. While

  • 6 Reasons Businesses Are Rejected for Small Business Loans

    Are you looking to apply for a loan for your small business? Are you not sure if your loan will get approved? Chances are it will not get approved, as it has been observed over the years that banks are notoriously reluctant to lend to small businesses. According to a recent survey by on-deck of over 10,000 business applicants, a whopping 82% were denied financing by their bank. A small bu

  • 6 Reasons: Businesses Are Rejected for Small Business Loans

    Are you looking to apply for a loan for your small business? Are you not sure if your loan will get approved? Chances are it will not get approved, as it has been observed over the years that banks are notoriously reluctant to lend to small businesses. According to a recent survey by on-deck of over 10,000 business applicants, a whopping 82% were denied financing by their bank. A small business

  • Peer-to-Peer (P2P) Lending In 2020: The Ultimate Guide

    What Is Peer-to-Peer Lending Peer-to-Peer (P2P) lending enables individuals to obtain personal or small business loans directly from other individuals, cutting out the financial institution as the intermediary. Websites that facilitate Peer-to-Peer (P2P) Lending have significantly increased its adoption as an alternative method of financing. Peer-to-Peer (P2P) Lending is also known as social

  • 7 Quick Tips for Investing in Peer-to-Peer Lending

    Peer-to-Peer (P2P) lending refers to an online marketplace through which ordinary individuals can issue unsecured personal loans to other individuals. This eliminates the intermediaries, and subsequently, the lower costs involved, make P2P lending an attractive investment opportunity. Lenders get better interest rates, and the borrowers get the loan money in a short period of time. Even though the

  • 5 Trends In Peer-to-Peer Lending To Watch Out in 2020

    Peer to peer lending is the process of getting a loan online with minimum paperwork wherein the entire process of submission of the loan application to the final disbursement of the fund is done over the Internet. The revolution is led by innovative fintech companies and has re-defined the rules of borrowing and lending in India. The Indian Peer to Peer lending sector currently has some highly

  • How Personal Loans Can Help Increase Home Value

    Real Estate is a market which sees huge ups and downs and yet never ceases to lose the attention of potential investors. Everybody needs a home which he or she can call their own. Whether it is buying a house or selling a house, the most important aspect is its market value. If you want to sell your house, then you definitely need to increase the value of it. You can increase the value of your hom

  • Benefits of Planning Your Yearly Travel Well in Advance

    Whether you are a free individual traveller (FIT) or a group individual traveller (GIT), the benefits of planning travel ahead of time are many. These include, among others, priority preferences for your airline seat and your hotel room, scheduling activities at the destination, ensuring advance pickup and welcome preparations, having a say and choice for holiday activities, and the like. Get t

  • Can I Use Personal Loan for Business Purposes?

    Wedding in house or want to go for a travel in India or striving to go for a long pending overseas trip with family and friend or looking for some extra funds to finance your daughter's education - however worried for financing such events. Availing Personal loan is one of the best solutions to take care of such situation. That's why today millions of individuals are leveraging the benefits of per

  • Top 8 Reasons Why People Take a Personal Loan

    Whenever there is a financial emergency or a cash crunch, you look for ways to get instant access to funds. One way to get funds is to avail a personal loan. Personal Loan provides individuals liquidity support to the borrowers to take care of their financial requirements. Personal Loan are primarily all purpose loan. Some of situations under which people prefer to apply for a personal loan instea

  • For millennials, travel is a way of life - and they're taking P2P loans to fund it

    Though most Indian millennials may not spend as much time on travelling, the desire to see the world and make time and money to do so is an integral part of life for many young people. They don't always share their parents' desire to invest in traditional ways, such as homes or gold. For many millennials, rented accommodation and shared transportation work better. A recent survey by leading travel

  • Peer to Peer Lending - Future of Digital Loan Market in India

    Peer to peer lending is the process of getting a loan online with minimum paperwork wherein the entire process of submission of the loan application to the final disbursement of the fund is done over the Internet. The revolution is led by innovative fintech companies and has re-defined the rules of borrowing and lending in India. The Indian Peer to Peer lending sector currently has some highly


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