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Business News > Mint Authors > Shivam Shukla

Shivam Shukla

Shivam writes on personal finance, equity markets, and mutual funds. He has previously contributed to several leading publications, including Moneycontrol. He can be reached at shivam.shukla@htdigital.in

ARTICLES BY SHIVAM SHUKLA

Easily reduce personal loan interest rates with balance transfers and smart financial planning.

Personal loan hacks: How to reduce your interest rate after taking a loan

4 min read . 06 Jan 2026

One should sensibly plan personal loan EMIs after a job loss to stabilise cash flow and protect credit score.

Lost your job? Here’s how to handle personal loan EMIs without panic

2 min read . 05 Jan 2026

Rising incidents of digital theft over the past two years have resulted in a significant amount of money being stolen from personal accounts. (iStockphoto)

Retired officer falls for digital arrest scam, loses ₹90 lakh: 5 key lessons

2 min read . 02 Jan 2026

New Year 2026: Consistent repayments and smart credit utilisation can support a stronger credit score in the New Year.

Boost your credit score in 2026 with these 4 simple New Year resolutions

3 min read . 31 Dec 2025

Tips to avoid credit card application rejection and build a healthy credit history.

Credit card application rejected? 5 major reasons explained

3 min read . 30 Dec 2025

Boost your credit score: Simple habits to start 2026 strong

2 min read . 29 Dec 2025

Borrowers can manage personal loan default through timely communication, repayment planning, and building sound legal awareness.

Defaulted on a personal loan? 5 smart steps to prevent legal trouble

3 min read . 24 Dec 2025

Personal loan EMI planning depends on interest rates, loan tenure, credit score and repayment capacity.

5 factors that influence your personal loan EMI — know them before borrowing

3 min read . 19 Dec 2025

Smart financial planning can help borrowers secure a personal loan with favourable terms and conditions.

6 essential factors to consider to get a personal loan approved quickly

3 min read . 19 Dec 2025

Stay vigilant against credit card limit extension scams to safeguard your money and personal information.
(Image: Pixabay)

Credit card limit extension scam alert: Red flags to spot, 5 ways to stay safe

3 min read . 19 Dec 2025

You should carefully review your credit report to identify and correct errors, thereby protecting your credit score.

Credit report disputes: What it means and why it matters

3 min read . 19 Dec 2025

Planning a holiday with rewards and perks helps you manage your vacation using a credit card efficiently.

Planning a holiday? 4 smart ways to use your credit card wisely

3 min read . 18 Dec 2025

Digital lending has given rise to loan app scams, making it crucial for borrowers to exercise caution. (pixabay)

Automobile engineer loses ₹4.37 lakh in loan app scam: 5 lessons for borrowers

3 min read . 18 Dec 2025

Smart use of credit cards can help in maximising interest-free days on credit card purchases and improving short-term cash flow management

How to maximize credit card interest-free days: A simple guide

3 min read . 18 Dec 2025

An Asset Management Company professionally handles investors’ money through market research, smart security selection, and diversified portfolios, helping investors pursue their financial goals with confidence.

Asset Management Company: Meaning, functions and role in investments

2 min read . 12 Dec 2025

A credit report and credit score work together to guide better financial planning and improve overall loan eligibility.

Credit report v credit score: 5 key differences explained

2 min read . 12 Dec 2025

Well-planned personal loan refinancing can offer borrowers lower EMIs and improved borrowing terms for better financial management.

How to unlock savings by refinancing your personal loan

3 min read . 12 Dec 2025

Borrowers should compare overdraft vs personal loan features to make informed credit decisions. (Unsplash)

Personal loan vs overdraft: Key differences to help you choose the right option

2 min read . 12 Dec 2025

Explore and understand how car loan applications affect credit scores for smarter borrowing.

Will a car loan application secretly dent your credit score?

2 min read . 11 Dec 2025

An 817 credit score can help with quick loan approvals, lower interest rates, and premium credit opportunities.

817 credit score benefits: Why banks roll out the red carpet for you

2 min read . 10 Dec 2025