Don't want your future loans rejected? Start tracking those small borrowings
India Today
Smaller loans deserve particular attention. Consumer durable EMIs, short-term personal credit and buy-now-pay-later products are now common entry points into formal credit. They are designed to make life easier. But they also test discipline.
Credit today is part of everyday life. It helps families manage important transitions, plan ahead, and deal with uneven cash flows. For many households, access to formal credit represents progress and confidence.
What often goes unnoticed is how routine borrowing choices add up over time.
Most people do not think of credit as a long-term record. Decisions are usually practical. An appliance bought on EMI. A personal loan taken during a demanding phase.
Credit is used because it is available and convenient. These are sensible choices in the moment. But taken together, they shape how a borrower is viewed when future needs arise.
Lenders do not look for perfection. They look for comfort. Comfort comes from consistency. How often repayments are made on time. How many commitments run at once. Whether borrowing rises steadily or suddenly. Whether obligations remain manageable during busy or uncertain periods.
These patterns matter more than any single account.
Venkataraman joined Flipkart in 2015 and has been part of the company's leadership team through a period of growth and restructuring. During his tenure, he helped strengthen the company's financial operations.
The gold rate today is around Rs 1.5 lakh per 10 grams for 24-carat gold, while 22-carat gold is near Rs 1.4 lakh, with prices edging higher after recent losses. Silver is also seeing a slight uptick after a volatile phase.
Early indicators suggest a positive start. GIFT Nifty futures were trading at 23,250.5 at around 08:24 am, indicating that the Nifty 50 may open above Thursday's close of 23,002.15.
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In a statement, the central bank said it has taken note of the recent developments at HDFC Bank and has approved the transition arrangement proposed by the bank for the position of part-time chairman.
Global brokerage JPMorgan has maintained a "neutral" rating on the stock with a price target of Rs 1,090. HDFC Bank stock is already trading near its 52-week low, adding to weak sentiment around the counter.
The IPO is expected to be structured as an "offer for sale" (OFS). This means existing investors will sell a part of their stake to the public, rather than the company issuing new shares.
Sensex ends 633 points higher, Nifty above 23,700; Infosys up 3%
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The reconstituted panel includes several key institutional representatives. These include members from the Life Insurance Council and the General Insurance Council, along with heads of important professional bodies.
Many people are seeing sudden jumps in their health insurance premiums at renewal. The reasons aren't always clear, and insurers don't always explain them. In this article, we break down the possible reasons behind these sudden premium jumps.