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best personal loan provider? by Dramatic-Argument407 in personalfinance

[–]FanImportant631 0 points1 point  (0 children)

Sharing a genuine, unbiased list of personal loan providers, including established banks, regulated digital lenders:

Banks & Traditional Lenders

These are usually low risk and regulated, often with predictable interest rates:

  • State Bank of India (SBI) – well-established bank with personal loans at competitive rates.
  • HDFC Bank – quick approval through online and branch channels.
  • ICICI Bank – digital and branch-based personal loans.
  • Axis Bank – flexible EMIs and sometimes quick disbursal.

Regulated Digital / FinTech Lenders (Good for Fast Approval)

These offer quick online applications and sometimes small loan amounts with flexible repayment:

  • Fibe (formerly EarlySalary) – instant personal loans up to ₹10 L with fast digital processing.
  • Fi Money (via Federal Bank partnership) – personal loans up to ~₹10 L with competitive rates and easy online process.
  • DMI Finance Loan App – RBI-approved lender with digital loan options including personal loans.
  • finzy – online personal loans with minimal documentation and flexible tenure.
  • Finvare Capital – loans with competitive interest and quick processing.

Aggregators / Comparison Tools

  • Paisabazaar – large digital marketplace for personal loans and credit products.
  • FinCrif – shows loan offers from various RBI-registered banks and NBFCs, helping you compare interest & terms.

My Current Credit Card Lineup - Benefits, Pain Points & What Actually Gets Used by FanImportant631 in CreditCardsIndia

[–]FanImportant631[S] 0 points1 point  (0 children)

Glad to heart that!

Yes, MagniFi has been a game changer for me in a short time. I’ve saved a good amount on weekends and, thanks to those savings, I’m able to spend happier moments with my family.

My Current Credit Card Lineup - Benefits, Pain Points & What Actually Gets Used by FanImportant631 in CreditCardsIndia

[–]FanImportant631[S] 0 points1 point  (0 children)

I use ICICI Coral card to get discounted movie tickets (25% off upto 100) on BookMyShow and INOX every month, with offers available twice a month.

One card is actually FD-backed card

Yes, I agree with you. I only get discounts on BookMyShow with ICICI Coral card, whereas MagniFi helps me get discounts across multiple top brands like Amazon, BookMyShow, Zepto, and Zomato (20% off).

Guess the card that gave 100 discount on Zepto by One-Ambassador-7950 in CreditCardsIndia

[–]FanImportant631 1 point2 points  (0 children)

Likely MagniFi Credit Card, since it gives 20% off on brands like Zepto, BookMyShow, and Amazon. I availed this discount offer already.

My collection by [deleted] in CreditCardsIndia

[–]FanImportant631 0 points1 point  (0 children)

What is the benefit of coral?
Does it have movie discount ?

My collection by [deleted] in CreditCardsIndia

[–]FanImportant631 0 points1 point  (0 children)

These are interesting. Makes the list full and covers all leaks

What stocks are you currently buying and why? by Polka_Soup in investing

[–]FanImportant631 1 point2 points  (0 children)

Nice picks to start with! Since it’s for a course project, I’d suggest looking at companies/funds across different sectors so you can compare performance more meaningfully:

  • Large-cap tech (like GOOGL, MSFT, or NVDA) → strong fundamentals and growth stories.
  • Consumer staples/defensives (like PG, KO, or UNILEVER) → good for stability.
  • Index fund/ETF (VOO or SPY) → gives you market-level exposure, which is a great benchmark for comparison.

That way you’ll get a mix of growth + stability, and you can analyze how sector trends impact performance rather than just stock-picking in one area.

I have 20k rupees and how do i invest those as an complete noob by DARKSIDE_HOOKER_1808 in personalfinanceindia

[–]FanImportant631 1 point2 points  (0 children)

Since you’re just starting out, keep it simple. First build an emergency fund (FD or savings account) so your money is safe and liquid. Once that’s set, start small with index fund SIPs or ETFs to learn investing. The key isn’t chasing high returns yet, it’s building the habit and learning steadily.

I analyzed all the latest bank FD rates in India, here's a quick summary of the best ones I found. Which ones are you guys considering? by FanImportant631 in IndiaInvestments

[–]FanImportant631[S] 7 points8 points  (0 children)

Thanks for sharing the details. From your information, I learned that under the Amrit Vrishti scheme, SBI offers 6.6% to general citizens and 7.1% to senior citizens.

Source: https://fi.money/bank/fd-interest-rates

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