Zype Blog: Personal Loan, EMI & Credit Score Guides

Gold is one of the popular investment choices for Indians during festivals and special occasions. Because of digitization people have become more accustomed to investing in the stock market and other financial assets, but the popularity of gold has not diminished. Now, a lot of people may wonder if we can purchase gold on EMI […]

Companies borrow money to grow their business. But can they pay back the interest on time? The interest coverage ratio formula helps answer this question. This ratio shows how easily a company can pay its interest payments using its earnings. Banks and investors use this number to check if a company is financially healthy. If […]

When managing credit cards or loans, understanding your outstanding amount becomes essential for financial health. With credit card transactions reaching Rs 18.26 trillion in India’s FY24 and outstanding credit card balances growing at 17% annually, millions of Indians regularly deal with unpaid balances. This figure represents money you still owe to your lender after making […]

Payment reversal is the process of returning money to the original payer when a transaction faces issues or errors. In India’s digital payment ecosystem, understanding payment reversal meaning becomes crucial as UPI transactions, credit card payments, and online transfers continue growing.   When payments go wrong due to technical glitches, human errors, or fraud, the reverse […]

Facing open heart surgery can be daunting, both emotionally and financially. In India, while medical advancements have made such procedures more accessible, the associated costs can still be significant. Fortunately, personal loans offer a viable solution to manage these expenses effectively. What is Open Heart Surgery? Open heart surgery is a critical medical procedure performed […]

Have you ever thought about why banks don’t just lend out all the money they have? Well, one of the invisible guards behind the scenes is something called the Statutory Liquidity Ratio, or SLR. It might sound like a complex banking term but it plays a big role in the way our banking system stays […]

A Multi-Purpose Loan (MPL) is a type of flexible unsecured Personal Loan designed to cover a variety of legitimate personal expenses under one lending agreement. This financial tool is defined by the lender’s assurance of offering borrowers the freedom to use the funds without the restriction of a specific goal, such as a dedicated home […]

Spine surgery can be a significant financial undertaking, but it’s often essential for restoring mobility and alleviating chronic pain. In India, while the cost of spine surgery is relatively lower compared to many other countries, it can still pose a financial challenge for many individuals. Fortunately, personal loans offer a practical solution to manage these […]

In today’s digital world, not every loan offer is real. Fake loan scams are sneakier than ever, and they can cost you a heavy amount.  Before you share your details or click that “Apply” button, it is important to identify fake loans, how they work, how to spot the red flags, and most importantly how […]

Ever taken a loan for a new phone, a car, or maybe even a home? Chances are, you’ve used a retail loan, even if you didn’t call it that.   Retail loans are loans offered to individuals for personal use unlike business loans that are meant for commercial purposes. Let us decode retail loans, the main […]

For Exp. Arjun is a corporate professional and has a 4-year-old daughter. One evening, his child suddenly falls ill and needs immediate medical attention. With hospital bills piling up and no time to spare, Arjun turns to a 24-hour loan. In just a few hours, the money is in his account, and he can focus […]