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Business News > Mint Authors > Dakshita Ojha

Dakshita Ojha

ARTICLES BY DAKSHITA OJHA

EMI-free loans often hide fees and inflated costs, creating financial risks for borrowers who believe they are getting genuine zero-cost EMI benefits.

Emi-free loans explained: The hidden costs banks don’t tell you

3 min read . 09 Dec 2025

Loan restructuring provides borrowers with flexible repayment terms and enhanced financial stability through more effective debt management.

What is loan restructuring? A guide to managing your loan repayments

3 min read . 03 Dec 2025

Tips for getting a car loan with a low credit score and improving loan eligibility through stronger financial habits.

Low credit score? You can still get a car loan. Follow THESE tips

2 min read . 24 Nov 2025

Smart credit card debt consolidation offers lower interest costs and more streamlined repayment management.

Best ways to consolidate credit card debt: 4 proven strategies that work

3 min read . 17 Nov 2025

An aspiring borrower should compare personal loan options between banks and NBFCs carefully to find better interest rates and faster approval.

NBFC vs bank loan: Which is better for personal loans?

3 min read . 15 Oct 2025

Term loan offers structured repayment and predictable EMIs, helping borrowers manage business or personal finance efficiently.

What is a term loan? Types, benefits & key drawbacks you must know

3 min read . 13 Oct 2025

Business loan for travel agency: Understand eligibility, benefits, and the complete application process.

Business loan for travel agencies: Eligibility, benefits, and how to apply

3 min read . 10 Oct 2025

Personal loan insurance protects borrowers from financial risks and safeguards their credit scores during unforeseen events, such as unemployment, disability, or death.

Personal loan insurance: What it covers and why you might need it

3 min read . 08 Oct 2025

Making part payment on a personal loan helps lower your EMIs, save on interest, and enhance your financial stability.

Should you make a part payment on your personal loan? Here’s the answer

3 min read . 07 Oct 2025

It is vital to compare personal loan EMI and credit card EMI options to select the most affordable borrowing plan for better financial management

Personal loan vs credit card EMI: Which one actually costs you less?

3 min read . 06 Oct 2025

Pre-qualified personal loans help borrowers check eligibility, compare lenders, and plan finances without harming credit scores.

Pre-qualified personal loan: Benefits, limitations, and how it works

3 min read . 26 Sept 2025

Travel personal loan provides easy funds for holidays covering flights and stays with flexible repayment choices.

Can a personal loan for travel fund your next vacation? Find out

3 min read . 24 Sept 2025

Borrowers can cut personal loan EMI stress with smart repayment strategies and better financial planning.

7 proven ways to reduce your personal loan EMI

3 min read . 23 Sept 2025

Paying the minimum amount on a credit card increases debt and interest while affecting your credit score. ( Image: Pixabay)

Paying minimum credit card bill? The hidden risk you didn’t know

3 min read . 19 Sept 2025

Personal loan foreclosure helps borrowers save on interest and close debt early with proper planning.

How to foreclose a personal loan? A step-by-step guide

2 min read . 18 Sept 2025

Easy ways to waive off credit card annual fees with smart spending and reward point strategies.

How to waive off credit card charges? 6 tips that work

4 min read . 17 Sept 2025

Why a high credit score isn’t always enough for loan approval? Find out

3 min read . 08 Sept 2025

Freelancers aiming to apply for a personal loan should review eligibility, documents, and compare interest rates for financial stability

Personal loans for freelancers: What you must know before applying

3 min read . 03 Sept 2025

Effective credit card payment strategies to minimize extra charges and maintain a strong credit score.

6 smart tips to pay your credit card bill without extra charges

3 min read . 28 Aug 2025

Small business owners can use personal loans to manage expenses and ensure smooth business operations.

Personal Loan: A key tool for small business owners – Are you prepared?

4 min read . 22 Aug 2025