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The Loan4Bank Blog

Everything you need to know before your next loan — no jargon, no affiliate fluff. Just the numbers, the trade-offs, and the RBI rules that actually apply to you.

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5–10 min reads, no fluff
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5 Loan-Fraud Red Flags to Spot Before You Pay a Rupee
8 Feb 2026· 4 min

5 Loan-Fraud Red Flags to Spot Before You Pay a Rupee

Fake fintech apps stole ₹380 Cr from Indian consumers in 2025. Here's how to spot a scam in the first 30 seconds — and where to report it.

Compliance Team · Loan4Bank Editorial Team — profile photo
Compliance Team
Loan4Bank Editorial Team
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Gold Loan vs Personal Loan — Which Should You Pick?
1 Feb 2026· 5 min

Gold Loan vs Personal Loan — Which Should You Pick?

Gold loans start at 8.5% p.a. Personal loans start at 11%. But the real trade-off is disbursal speed vs collateral risk.

Meera Iyer · Operations Lead · Loan4Bank Editorial Team — profile photo
Meera Iyer
Operations Lead · Loan4Bank Editorial Team
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Business Loan Eligibility for MSMEs · 2026 Checklist
25 Jan 2026· 9 min

Business Loan Eligibility for MSMEs · 2026 Checklist

The public checklists say '2 years vintage + 40L turnover'. The real underwriting looks at 12 signals — here's the full list.

Vikram Malhotra · Ex-HDFC Business Banking · Loan4Bank Editorial Team — profile photo
Vikram Malhotra
Ex-HDFC Business Banking · Loan4Bank Editorial Team
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Home Loan Tax Benefits 2026 — Section 24 & 80C Guide
18 Jan 2026· 10 min

Home Loan Tax Benefits 2026 — Section 24 & 80C Guide

You can claim up to ₹3.5 lakh in deductions on a home loan — split across Sections 24(b), 80C, and 80EEA. Here's exactly how much each saves.

CA Anjali Verma · Chartered Accountant · Loan4Bank Editorial Team — profile photo
CA Anjali Verma
Chartered Accountant · Loan4Bank Editorial Team
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Personal Loan vs Credit Card EMI — Which Costs Less?
11 Jan 2026· 6 min

Personal Loan vs Credit Card EMI — Which Costs Less?

A ₹2-lakh purchase costs ₹4,500 more on card EMI vs a personal loan. Here's the math + when each option actually wins.

Rohit Nair · Financial Educator · Loan4Bank Editorial Team — profile photo
Rohit Nair
Financial Educator · Loan4Bank Editorial Team
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How to Improve Your CIBIL Score in 90 Days · India
4 Jan 2026· 8 min

How to Improve Your CIBIL Score in 90 Days · India

A data-backed 90-day plan that moved 3,200 Loan4Bank customers from 'Fair' to 'Excellent' — starting with dispute filings and ending with credit-mix rebalancing.

Priya Sharma · Credit Analyst · Loan4Bank Editorial Team — profile photo
Priya Sharma
Credit Analyst · Loan4Bank Editorial Team
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