Loans & Credit

Loans, working capital, recovery, and credit facilities for individuals and businesses.

Credit Agriculture MSME Recovery SARFAESI IBC DRT Digital Loans

Articles

Digital Loans PM Surya Ghar: Financing a Rooftop Solar Installation

How the PM Surya Ghar subsidy and loan financing fit together, what determines your subsidy amount, and what to check before signing up an installer.

10 Sep 2026 · 2 min read Digital Loans Reading Your Free Credit Report: What Actually Matters

What the different sections of a credit report actually mean, which factors move your score the most, and how often it genuinely makes sense to check it.

09 Sep 2026 · 2 min read Digital Loans Checking and Updating Your KYC Status Online

Why KYC needs periodic re-verification, what triggers a bank to ask for it, and what documents to have ready for an online update.

08 Sep 2026 · 2 min read Digital Loans Credit Risk Guarantee Home Loans: Lower-Income Housing Finance Explained

How a credit guarantee changes what a lender is willing to offer borrowers with limited collateral or income documentation, and who this category of home loan is designed for.

07 Sep 2026 · 2 min read Digital Loans Troubleshooting Common UPI Payment Failures

What usually causes a UPI payment to fail or stay pending, and the right order to check things before assuming money is lost.

06 Sep 2026 · 2 min read Recovery What Happens When a Loan Becomes an NPA

A loan does not become unrecoverable overnight. Here is how classification into a Non-Performing Asset works and what recovery options banks and borrowers typically consider.

05 Sep 2026 · 2 min read Digital Loans One-Time Settlement (OTS): What It Means for a Defaulted Loan

What a One-Time Settlement actually is, why banks offer it, and what a borrower should understand about its credit-report impact before accepting one.

05 Sep 2026 · 2 min read Digital Loans Positive Pay System: How It Actually Stops Cheque Fraud

How Positive Pay cross-checks cheque details before payment, why it's mandatory above a certain amount, and what happens if you forget to register a cheque under it.

04 Sep 2026 · 2 min read IBC Insolvency and Bankruptcy Code: What Happens When a Corporate Borrower Goes to NCLT

The IBC created a time-bound process for resolving corporate insolvency. Here is what the Corporate Insolvency Resolution Process actually involves.

03 Sep 2026 · 2 min read

Frequently Asked Questions

Not necessarily — pricing depends on the bank, collateral, and borrower risk profile. The key difference is structure: CC is revolving and tied to short-term assets, while a term loan is a fixed, amortising facility.

No. While crop cultivation is the primary use, KCC limits can also cover post-harvest expenses, working capital for allied activities like animal husbandry and fisheries, and in some cases investment credit, depending on the bank's scheme structure.

It isn't mandatory to operate a business, but it is generally required to formally access MSME-specific schemes, subsidies, and priority-sector credit benefits, so most eligible businesses register.

No. NPA classification is an accounting and provisioning treatment reflecting overdue status; a write-off is a separate, later decision the bank may take for accounting purposes, and it does not extinguish the borrower's legal repayment obligation.

It applies to secured loans above a specified threshold extended by banks and notified financial institutions; it generally does not apply to unsecured loans or, with some exceptions, to agricultural land used as security.

The Committee of Creditors (CoC), made up primarily of financial creditors, votes on resolution plans; an approved plan then needs to be sanctioned by the NCLT to take legal effect.

Yes — DRTs generally handle recovery matters above a statutory pecuniary threshold set under the Recovery of Debts and Bankruptcy Act; smaller disputes are typically pursued through regular civil courts.

Debt Service Coverage Ratio measures a borrower's cash flow available to cover debt obligations. Banks use it to judge whether a business can comfortably service the loan being sanctioned.

Many KCC schemes bundle personal accident insurance for the farmer and crop insurance linkage under schemes like Pradhan Mantri Fasal Bima Yojana — confirm the specific inclusions with your bank.

No. CGTMSE only removes the collateral requirement by providing the bank a guarantee cover — the borrower still repays the loan with interest as per the sanctioned terms.

Yes — an OTS is typically reported to credit bureaus as a settled (rather than fully closed) account, which can negatively affect the credit score and future loan eligibility.

A borrower can approach the DRT to challenge the process, or can repay the outstanding dues (or reach a settlement with the bank) before the sale is finalised to halt further action.

No — IBC applies to companies, limited liability partnerships, and, under separate provisions, individuals and partnership firms, though most publicised cases involve larger corporate defaults given the amounts involved.

The DRT hears the original recovery application or SARFAESI challenge, while the DRAT is the appellate forum that hears appeals against DRT orders.