In India, Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country’s economic growth, generating employment and contributing significantly to the GDP. However, accessing credit has often been a significant challenge for such enterprises, especially for startups and small-scale businesses. This is where responsible lending plays a transformative role. At LendingKart, responsible lending […]
व्यवसाय को नई ऊँचाइयों पर ले जाना हो, नई मशीनरी खरीदनी हो या फिर वर्किंग कैपिटल (कार्यशील पूँजी) की कमी को पूरा करना हो, वित्तीय सहायता की ज़रूरत कभी भी बढ़ सकती है। ऐसी स्थिति में बाज़ार में कई तरह के लोन विकल्प मौजूद हैं, जिनमें से सबसे लोकप्रिय और पारम्परिक माध्यम है टर्म
EPFO Pension Hike 2026: Latest Updates, Eligibility & Impact on Retirees
Retirement security has become a growing concern in India, especially with rising inflation and increasing living expenses. This is why discussions around the EPFO pension hike and potential changes in the EPS-95 framework are gaining attention among pensioners and working professionals alike. While many reports and expectations around EPFO pension benefits and the EPS-95
Personal Loan vs Business Loan (2026): Key Differences & Which One is Better in 2026
When you need funds, the first question that usually comes up is, ‘Should I take a personal loan or a business loan?’ At first glance, both may look similar because they provide quick access to money. But in reality, they serve very different purposes. Understanding the personal loan vs business loan difference is important
To access the passbook, your UAN must be activated and linked with your registered mobile number. Once logged in, you can view and download the passbook PDF anytime for salary tracking, withdrawals, job changes, or financial planning. Many employees also use the EPF member passbook to verify whether their employer is depositing PF contributions
For a long time, Udyog Aadhaar served as the primary registration mechanism for MSMEs. However, as the sector evolved and the need for greater transparency increased, the government introduced Udyam Registration in July 2020 as its replacement. Even today, many business owners remain confused about the difference between Udyog Aadhaar and Udyam, mainly because
When businesses apply for funding, one of the first things they consider is the monthly repayment amount. Whether the loan is used for expansion, inventory, machinery, or working capital, understanding the EMI structure is important for effective financial planning. EMI, or Equated Monthly Instalment, is the fixed monthly amount paid towards repaying a loan
