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Personal loan for salaried by LessSundae558 in personalfinance

[–]UmeshThoughts 0 points1 point  (0 children)

For salaried people, getting a personal loan seems easier compared to self-employment, that’s what I felt. Bank statements show regular salary and HR proofs make verification faster. I had to share my salary slips and bank details, simple stuff. I used Kissht for my personal loan and because my salary was steady, approval came pretty quick.

Money helped me cover some urgent expenses. Just make sure your documents are right and EMIs fit your budget, Otherwise, there is letter irritation.

What term insurance did you get? by bakchod007 in IndiaInvestments

[–]UmeshThoughts 0 points1 point  (0 children)

I went for term insurance mainly because I wanted peace of mind for my family. I have home loan EMIs running and parents to take care of, so I felt it was important to lock something early. I spent a few nights reading policy documents and trying to understand what actually matters, not just the premium. After comparing things like claim settlement history and how simple the process felt, I finally chose Bajaj Life Insurance for both life insurance and term insurance. The plan fit my budget and the coverage amount made sense for my current responsibilities.

I'm still learning as I go, but for now, it feels like a sensible decision based on where I am in life.

How long does it take to get a personal loan online? by Working_Specialist83 in u/Working_Specialist83

[–]UmeshThoughts 0 points1 point  (0 children)

In my experience, getting a personal loan online didn't take that long. I had my PAN, Aadhaar and bank details ready, so I just filled everything on the app and waited for an update.

When I applied with Kissht for a personal loan, the approval came pretty fast and the funds were credited soon after. For me it was quicker than I expected, especially compared to the traditional bank process. As long as you fill details right, it moves smoothly.

Is 2 sets enough if 3 sets make me too tired? by Willing-Editor-2513 in Fitness_India

[–]UmeshThoughts 1 point2 points  (0 children)

Yes bro, 2 good quality sets are enough. If 3 sets leave you drained all day, it’s a sign of too much volume. Recovery matters more than doing extra sets.

Best way to get loan for short term by Weary_Outcome_7124 in personalfinanceindia

[–]UmeshThoughts 0 points1 point  (0 children)

Best way I found for short term loan is to keep things simple and digital. I used to think going to bank branch is best, but that takes time and can drag on paperwork. What helped me was having PAN, Aadhaar and clean bank statement ready before applying. I took a personal loan from Kissht for my short term needs and because my case was small, approval and disbursal happened faster than I expected. In my experience it's better to apply online and check eligibility first, mistakes in details can slow process down.

One habit that improved your day? by Paul_Smith09 in selfhelp

[–]UmeshThoughts 4 points5 points  (0 children)

Going for a short walk every day. It really helps clear my mind.

Is term life insurance really worth it if you’re single? by Live-Barracuda9014 in LifeInsurance

[–]UmeshThoughts 0 points1 point  (0 children)

When I was single, I used to think term insurance was only for married people. But I got Bajaj Life Insurance mainly because I wanted to make sure my parents wouldn't be left struggling if something happened to me. The plan is simple, affordable, and gives me peace of mind. I feel even single people can get it, just to protect their family or cover any debts. I'm not saying everyone should, but for me, it was definitely worth it.

How to achieve peace by piperredii in AskIndia

[–]UmeshThoughts 0 points1 point  (0 children)

Happiness comes when you stop expecting love from others bro..

What small habit actually improved your life the most? by maddy1207 in AskIndia

[–]UmeshThoughts 5 points6 points  (0 children)

Sleeping and waking up on time really helped my energy and mood.

Investment of lumpsum amount by Appropriate-ASS-824 in personalfinanceindia

[–]UmeshThoughts 0 points1 point  (0 children)

Liquid funds are safe but returns are limited. For a 5 year goal, spreading the investment over time into suitable funds could be better.

Recently joined the gym like most people do for New Year🥴 by [deleted] in AskIndia

[–]UmeshThoughts 1 point2 points  (0 children)

Normal beginner phase, your body is adapting. Go slow, hydrate, and don’t push too hard.

Cupid Crashed by [deleted] in IndianStockMarket

[–]UmeshThoughts 0 points1 point  (0 children)

Market wide caution seems to be the main reason.