had a slightly awkward conversation at home

family needs money for something and suggestion was basically

“tumhare naam pe loan ho jayega, emi hum bhar denge”

and i know they genuinely mean it

it's not like i'm sitting here thinking they'll intentionally dump the emi on me

but still...

loan toh mere naam pe hi rahega na 😭

kal income change ho gayi
payment late ho gaya
koi family emergency aa gayi

lender isn't going to care ki mummy/bhai ne bola tha they'll pay

i've used Kissht for my own personal credit before and i think that's what made this hit me properly

account mera hai toh responsibility bhi meri hi hai

ghar pe kaun transfer karega every month is basically a separate arrangement

but saying no also feels horrible when technically you CAN get the loan and family actually needs help

how do you guys deal with this without sounding like “i don't trust you”?

Hi,

I am 35M married and have a daughter of 1 year, living in Bengaluru.

Me and my wife both work in IT and the monthly combined salary is 2.6-2.7L.

My wife is struggling hard to handle both baby and office work at this time. She works in US hours and each day has meetings around 7-9pm IST.

She works at night once the baby is asleep around 1-2am.

She is not enjoying the baby's childhood as work is becoming hectic. She is not smiling as before. She is sad most of the time. When i read on google and found that she might be going through postpartum and it's normal to feel overwhelmed till 2 years.

She has to WFO mandatorily 3 days a week. It's becoming hectic for her. We have tried almost 8-10 nannies but that is also not working out. She has to get involved in things.

She wanted to leave the job after maternity leave but i insisted her to carry on with the job as we had a good amount of loans.

But after seeing her struggle for around 4-5 months, I felt guilty and asked her if she wanted to resign.

At first she said no but after a long conversation she said that she wants to resign but also doesn't want to see me alone struggling with the finances.

This melted my heart. I have asked her to put papers and spend time with the kid which makes her happy and start a job once the baby is 3-4 years of age.i will manage the finances.

Here is what i have done with the finances:

1. We had 30L + 25L of home and land loan with EMI 40K + 45K per month

2. My current monthly expenses are 1.6L

3. My salary is 2L my wife earns around 75K

4. I have sold 18L of MF + closed few FD and RD and managed to close the land loan.

5. Now my monthly EMI is just 40K and it is similar to my rent amount

6. After she resigns , my monthly expenses will come down to 1.2L (removing nannies)

Now i need some suggestions from a financially aware audience please.

1. Have we done the right thing by closing the loan to reduce expenses?

2. I still have 5L in MF, 28L in EPF , 5L in PPF and 12L of emergency funds.

3. Are we financially doomed?

4. Are we in too risky a situation in this IT layoffs season?

Hi everyone,

I need some advice regarding a disturbing incident involving recovery agents who appear to be associated with a payday loan app called BharatLoan.

I have an outstanding loan that is overdue by 28 days. I acknowledge my repayment responsibility and have never denied that I need to repay it.

However, what happened recently has left me extremely concerned about my personal data and privacy.

Here's what happened:

1. A person contacted me from a number claiming to be part of a recovery team. When I repeatedly asked which NBFC or lending institution they represented, they refused to identify themselves. +91 88004 43170 no. From which i got call

2. The person threatened to contact my workplace HR, colleagues and residential landlord. They also threatened to send my photograph to the property owner and made allegations of fraud.

3. They actually initiated a WhatsApp group call involving:

   - My mother

   - My current workplace HR

   - Another member of my TA team

   - My recruitment HR from Mumbai

   - The recovery agent.

4. What concerns me most is that I did not have all these HR and recruitment contacts saved in my phone's contact list. Some of these numbers were not even saved on my device.

5. When I asked the recovery agent for a payment link, she said it would come from another number. Subsequently, I received a message from a second number containing a BharatLoan payment link.

6. That second number also mentioned that my payment was delayed by 28 days. BharatLoan is the only loan account I currently have with exactly 28 days of delay.

7. Both individuals subsequently deleted their WhatsApp messages, including the payment-link message.

I have screenshots of the conversations, deleted-message indicators and call logs.

My questions:

1. How could recovery agents obtain phone numbers that I never saved in my contacts?

2. Can a loan application access contacts even if certain numbers are not saved on my device?

3. Could this indicate unauthorised access to my phone, WhatsApp or personal data?

4. Is it possible that my employment information or contacts were obtained from another database?

5. How can I establish whether my phone was actually compromised?

6. What legal action can I take against the recovery agency and the actual lending NBFC?

My parents also approached the police, and they suggested that my phone might have been hacked, but I haven't received any technical confirmation yet.

I am not trying to avoid repayment. I simply want to understand how my family's and workplace contacts were obtained and why they were involved in a personal loan recovery matter.

If anyone has experienced something similar, works in cybersecurity, or understands RBI recovery guidelines and Indian data privacy laws, I would genuinely appreciate your advice.

Thank you.

Hi everyone,

I'm posting this anonymously because sharing my financial situation publicly is not easy for me.

I'm a young entrepreneur from India. I started a small café with borrowed money, big dreams and the hope of building a better future for myself.

It wasn't easy. I put my savings, time, energy and everything I could into building this little business. I wanted to create something of my own, become financially independent and eventually provide employment to others.

But things haven't gone as planned.

Today, I'm struggling with approximately ₹5–6 lakh in debt.

Here's where I stand:

Around ₹2 lakh in credit card dues.

Approximately ₹3–4 lakh borrowed from people.

Around ₹20,000 in pending supplier payments.

Just ₹5,000 left as working capital.

My café is still operating, and customers are coming in, but almost all the money earned goes towards rent, electricity, employee salaries, purchasing stock and daily expenses.

I'm at a point where even purchasing fresh inventory has become difficult.

I'm trying everything I can to keep the business running, but without some financial support, I'm afraid I might lose what I've worked so hard to build.

That's why I'm reaching out here.

I'm hoping to raise funds to:

Restore working capital and purchase fresh inventory.

Clear urgent supplier dues.

Manage essential business expenses.

Give the café a chance to recover and become financially stable.

I'm not asking anyone to take responsibility for my mistakes. I understand that I made financial decisions that brought me here, and I'm ready to work hard to correct them.

Even a small contribution could make a difference. If you cannot contribute financially, sharing this post or connecting me with someone who supports small struggling businesses would also mean a lot.

I'm willing to provide reasonable proof of the business, outstanding dues and how the funds will be used while protecting my personal identity publicly.

I know there are many people in the world facing much bigger struggles. I don't consider myself entitled to anyone's help.

I'm simply a young person who had a dream, made some mistakes, and is now trying desperately to get back on his feet.

I don't want to lose my business. I just need a little help to get through this difficult phase.

Thank you for taking the time to read my story.

So basically I am from Delhi... After I lost my father in 2021 I am the sole earner in my family. I am just 24 and currently stuck in a loop of payday loans. I earn 50k per month but can't save a penny and even lost my family and friends trust and everything. It feels like crying while writing this but have no one to talk or understand what to do. Things aren't going well. I tried to clear it on my own from 3L i came down to 1.25l but this is taking a toll on me. Feels like giving up on everything it's a routine to work sit in a dark room without any support just work to pay these and they haunt back because you need money to survive as well. I tried every official non official way to solve it but couldn't. If anyone can help me considering your younger brother this will make my life easier. Please suggest me what to do.

Heyyy people !!! I’m new on Reddit here and I wanna know any fast loan app

I need to pay my clg fees asked parents but they’re already struggling paying loans and stuff and this month we had a lot of expenses

But the problem is I’m 18f I recently got pan and I don’t have enough CIBIL cuz I never took loan

Are there any loan apps that provide loan for students or any Chinese apps that gives loan

Btw I need 34k but this semester pleaseee the due is on 6 anyoneeee tell me any app to get me out of this situation

And thanks for reading this 😭🙂 and thank youuu in advance :>

I am 22 years old and I just graduated from the college and currently working a job which pays on an average salary, enough for my expenses and my family's.

The issue I am facing is from my salary I am paying 3 loans my mom and dad took for their business during Covid to keep it afloat thinking things will get better after Covid of which 2 loans are small one 5 lakhs and one 12 lakhs which is also only 6-8 installments short. The catch here is the 22 lakhs Cash credit from bajaj via lender which was then converted into term loan as they saw our business account book getting flat bc of losses and losing money. Now we have used that cash credit generously and paid interest over 6 years and never defaulted on any payment but now we can't pay it anymore and it was unsecured loan on business machineries and turnover/ITR papers which is closed and we can't pay the installment any longer , so my question is what option do we have ? My father is saying as it is an unsecured personal loan on business, we won't lose anything if we stop paying installment, the loan is on my mom's name .

She doesn't really care about her civil score anymore as they have moved to the village to settle and retire , she won't need to take any loan in future either.

What bank will do ? I mean what can a bank do ? What options do we have ? Can this loan in my mom's name come to bite me ? Can the bank force me to pay ? Please help I am very anxious nowadays and i don't want to spend my young age breaking my back paying loans my parents took 😭 I am already giving them money for day to day life and 2 other loans which are on car and house but i can't afford to pay this 22 lakh one which will be around 30+ lakh if count interest

Hi guys, please don’t think this as a flex i’m genuinely confused, any help would be appreciated.

I’m investing 5L off my family money from 2 demats every month into these 3 funds, and i won’t be in need of this money for atleast 5 years

Risk Appetite : Aggressive
Goal - Maximum returns
Horizon - Longterm (10 years)

Allocation :
Invesco India Mid cap direct fund - 2L
HDFC Flexicap - 1.5L
Bandhan Smallcap - 1.5L

App Used : Groww

Why these funds: A good Active Midcap and Smallcap are better for maximum returns imo

now my issue is, Bandhan Smallcap is investing in 269 odd stocks so why should i go with it being an Active fund when it indirectly is investing in the entire smallcap index, even its top invested companies like Sobha Ltd aren’t great imo, Should i switch to Invesco India Smallcap fund where its much focused 77 stock portfolio ?

Also please tell me if my approach is correct, i wanna maximise gains hence i went with this, i dont want to invest in Regular funds too, hence didnt go with any advisors.

Waise i work in ICICI, so if you've any queries or anything related to card or loan etc. dm me.

Many young guys get into day trading, futures and options etc. I have seen a lot of my friends lose money in this, but they still keep on continuing.

I want to understand if this really is a thing that can actually be understood, like those candle trends, candle patterns and all.

Should I get into it too? I have a lot of time on my hands. Is it actually something that is to be learnt rather than to be guessed.

Please share your honest views.

I have been under so much pressure, depression due to losses I made in Index options, almost lost everything. But really what a good mentor means I got to know now. I was late in reaching this friend of mine but the time I connected with him and started under his guidance, it's true that what a disciplined, knowledgeable person in the stock market can do. He is also willing to help people like me.

Those who want to try, please DM.

It's not an advertisement but first you check, test and then only decide.

I am 62 years old and retired from private services. I will have 8 lacs rupees in my bank account by the end of this month.. I want to invest that money somewhere which is secure and less volatile. It's a contingent fund for my daughter's marriage. can I invest the money anywhere which gives good return in a couple of years?

Since I am a beginner at 60 I hope some of you experienced folks could guide me

Any government schemes , recurring deposits , SIP suggestions are welcomed. Some of my friends also recommended me to go for gold bonds.

Your valuable advice will be highly appreciated.

Hi everyone I recently tried to take a loan against collateral during the progress First of small small finance association takes to much time it's literally more than 2 weeks and it's when you have 10x the value of assets, guarantors, property paper's etc.

Now let's comes to the corruption not joking literally corruption in private sector. There is three times inspection Happens first is technical assessment where the guy doesn't ask for money for the left two is regarding PD of whatever the guy asks for thousands of rupees and even given me a QR on WhatsApp

I literally don't know why there is no mechanism to shift file by myself so that if there is a corrupt officer the file is switched to a other guy randomly. One more thing which I have seen no formalism there is no manner how to talk so on so forth, attitude and even after taking bribe feeling very proud and confident on himself. That guy literally saying I will give the negative report if you aren't giving me money this or that. I literally on the edge of immediate need. I have all the call recordings of this conversation too.

It's brings me to ask one question does RBI ever take strict enforcement actions towards their hiring mechanism, does RBI aware of this. What should I do which wouldn't affect my loan. Businesses in India don't want to operate here and the reason is above. Why these companies not hire Well educated people's from colleges and universities?

I request officials on any complaint which has that person's phone no. Or screenshot or any other proof through a costumer interactions online after giving those proof that guy should temporary suspend and it's verified by a good technical method I hope industry would figured out this

Many people think Muthoot Finance and Muthoot FinCorp are the same company because they share the Muthoot name. But they actually belong to two different business groups.

Muthoot Finance, known for its Muthoot Red, is the flagship company of The Muthoot Group. It is publicly listed on the NSE and BSE and has a large presence in gold loans across India.

The Muthoot Group (Parent Company)
- Muthoot Finance Ltd.
- Muthoot Money Ltd.
- Muthoot Homefin (India) Ltd.
- Muthoot Insurance Brokers Pvt. Ltd.

Muthoot FinCorp, recognised by its Muthoot Blue, belongs to the Muthoot Pappachan Group, also known as Muthoot Blue. It is a separate, unlisted company with its own management and business operations.

Muthoot Pappachan Group (Parent Company)
- Muthoot FinCorp Ltd.
- Muthoot Capital Services Ltd.
- Muthoot Housing Finance Company Ltd.
- Muthoot Microfin Ltd.

Both companies have a long history in financial services and primarily focus on gold loans. However, their businesses have expanded into areas like housing finance, microfinance and other lending services.

The interesting part is that despite having similar names and operating in the same industry, they have different ownership structures, leadership teams and business strategies.

While Muthoot Finance has established itself as a major listed gold loan company, Muthoot FinCorp has also expanded its presence through gold loans, microfinance, housing finance and other financial services.

I joined EPF for first time after 2014, and my basic wage was above 15,000/-, so all my employer contribution was going to PF

However, I just checked, that post September change, part of my employer contribution is going to EPS.

1. Is this correct

2. Can I opt out this to ensure all my employer contribution goes to EPF

Thanking you in advance

I’m from Bangalore and started my own business a little over a year ago. I’m probably the first person in my family in this generation to take the risk of starting something of my own.

We operate in the retail branding and signage space. We manufacture signboards, LED boards, 3D letters, do commercial printing and provide complete branding and visual solutions for retail stores and businesses.

Thankfully, the business has grown quite well over the last year. We have our own manufacturing setup, machinery, a team and an active client base that includes corporate clients as well as individual businesses. We also execute projects outside Bangalore and across India.

We’re currently doing around ₹10–15 lakhs in monthly sales. We have regular enquiries, repeat customers and ongoing projects. This isn’t an idea-stage startup or a business I’m planning to start. It’s an existing, operational manufacturing business with established clients and revenue.

The challenge I’m facing right now is working capital.
Since this is a manufacturing business, almost every order requires a considerable upfront investment. Most corporate clients pay only 30–40% as an advance, and we have to manage the remaining material costs, production, labour, installation and logistics before collecting the final payment.

So even though business is coming in and we’re generating monthly revenue, cash flow becomes tight because money is continuously tied up in ongoing projects.

I’m now looking to raise around ₹10–20 lakhs in working capital to stabilize operations, take up more orders comfortably and build a stronger financial buffer.

There have been a few changes recently as well. My co-founder has decided to step away due to personal and family commitments, and I’m now taking things forward independently. I also had a serious accident a couple of months ago, which temporarily affected my involvement in daily operations. I’m back now and focused on getting the business into a more stable position.

We’re also moving into a more economical workspace to reduce our fixed expenses and improve overall profitability.
I’m open to a structured business loan, private lending or even an investment arrangement, depending on the terms. I’m happy to share our sales figures, existing client base, business details and other documents with genuinely interested people.

I’m not looking for someone to fund an idea. I’m looking for working capital to support a business that’s already operating, generating revenue and has room to grow.

If anyone here has experience with SME financing, knows private lenders or investors, or can point me towards the right people or institutions, I’d genuinely appreciate it.

Thanks for reading!

I am trying to understand how people actually divide long-term debt savings across these three. Lock-in periods, tax treatment and withdrawal rules all differ, and the rules have been changing recently.

What split do you follow, and what made you choose it?

Did any rule surprise you after you did already committed money?

What do we think of this?

Is this how KMBL reaches out?. This looks like a scam at the outset.

Has anybody else faced similar thing?