Insights on personal finance

Explore expert insights on personal finance and make informed decisions for your financial future

<span style="white-space: pre-wrap;">Photo by </span><a href="https://unsplash.com/@atherenergy?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Ather Energy</span></a><span style="white-space: pre-wrap;"> / </span><a href="https://unsplash.com/?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Unsplash</span></a>

Spokes and Dreams: The zero down payment bike loan with your life insurance policy

Unlock your dream with a zero down payment bike loan using your LIC policy. Enjoy quick approval, competitive rates, and build your credit score. Ride away on your dream bike today.

by Mera Kal Staff

Loan Against Insurance Policy

5 min

3 Apr 2025

Gold Loan vs. Loan Against Life Insurance

Should I pledge my gold or my life insurance policy? Compare interest rates, loan value, risks, and benefits of policy loans and gold loans.

by Anwesha Roy

7 min

24 Mar 2025

Loans Against Mutual Funds vs. Loans Against Life Insurance

With growing financial awareness, individuals actively seek ways to build wealth and secure their future. Investing in mutual funds and life insurance policies are two popular assets used in this regard. However, when financial needs arise, these assets should also be considered vs. personal or unsecured loan options. Individuals can leverage existing investments to secure a loan at lower interest rates. Sometimes liquidating assets also makes sense, whilst at other times the penalties are high

by Sahana Bhat

4 min

19 Mar 2025

Loan Against Property vs. Loan Against Life Insurance

In times of financial need, leveraging your assets to secure a loan can be a smart move. While unsecured loans come with high interest rates and strict eligibility criteria, secured loans offer a more cost-effective alternative. Since these loans are backed by collateral, lenders face lower risk, allowing them to offer lower interest rates, longer repayment tenures, and higher loan amounts. Secured Loans Can Serve Various Purposes * Business Expansion & Working Capital – Entrepreneurs can

by Anwesha Roy

4 min

18 Mar 2025

Pension Fund Withdrawal vs. Loan Against Life Insurance

Life is unpredictable, and financial needs can arise in various situations—whether it’s funding your child’s education, covering medical emergencies, managing a cash flow gap in your business, or handling unexpected home repairs. In such cases, people often lean towards taking a loan. While personal loans are widely used, it is also tempting to dip into your long term savings such as your pension funds or your life insurance policies to fund immediate cash requirements. Whilst using long term

by Anwesha Roy

Personal Finance

3 min

14 Nov 2024

What You Need To Know About Loan Against Fixed Deposits

Taking a loan on FD might not be known to all. We will try to answer some common queries about loan on fixed deposit and how to go about it.

by Anwesha Roy

4 min

16 Aug 2024

Loan Interest Rates Made Simple

Understand the difference between flat and reducing balance interest rates. Flat rates seem simpler but cost you more. Reducing balance rates save you money over time. Calculate interest annually for a clearer picture. Choose wisely to avoid overpaying.

by Mera Kal Staff

<span style="white-space: pre-wrap;">Photo by </span><a href="https://unsplash.com/@hostreviews?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Stephen Phillips - Hostreviews.co.uk</span></a><span style="white-space: pre-wrap;"> / </span><a href="https://unsplash.com/?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Unsplash</span></a>

2 min

16 Aug 2024

Pros and Cons of Credit Cards

Credit cards are convenient, reward-based payments with potential for debt. Manage spending wisely, pay on time, and avoid high-interest traps. Balance benefits with risks for responsible use.

by Mera Kal Staff

<span style="white-space: pre-wrap;">Photo by </span><a href="https://unsplash.com/@jakubzerdzicki?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Jakub Żerdzicki</span></a><span style="white-space: pre-wrap;"> / </span><a href="https://unsplash.com/?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Unsplash</span></a>

3 min

16 Aug 2024

What Is a Credit Score? How Is It Calculated?

Understand how it's calculated and impacted by repayment history, credit usage, and inquiry count. Discover India's major credit bureaus: CIBIL, Equifax, Experian, and High Mark. Build a strong credit profile for better financial opportunities.

by Mera Kal Staff

Tools

5 min

18 Feb 2025

Sahi Secured Loan Tool: Find the Best Secured Loan for You

Find the best secured low-interest loan for you from across gold loan, loan against property, LAMF, loan against life insurance, loan against PF or PPF, etc.

by Anwesha Roy

3 min

18 Feb 2025

Check your Eligibility for a Loan Against your Life Insurance Policy with Mera Kal’s Loan Eligibility Calculator

Use Mera Kal’s Loan Against Life Insurance Policy Eligibility Calculator to quickly estimate your loan amount. No CIBIL score required for a hassle-free process

by Anwesha Roy

<span style="white-space: pre-wrap;">Photo by </span><a href="https://unsplash.com/@isawred?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">iSawRed</span></a><span style="white-space: pre-wrap;"> / </span><a href="https://unsplash.com/?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Unsplash</span></a>

3 min

16 Aug 2024

Harness the Power of Our Surrender Value Calculator

Mera Kal Surrender Value Calculator helps you understand your policy's worth. Discover how this figure can unlock potential loans and financial opportunities.

by Mera Kal Staff

Partnership

3 min

16 Aug 2024

Loans Against Insurance Policies: A New Tool For IFAs

Life insurance is a financial asset often overlooked. Unlock its potential with loans against policy value. Access funds without surrendering, maintain coverage, enjoy lower interest rates, and boost your client's financial flexibility.

by Mera Kal Staff

calculators

16,000+ customers have estimated surrender value, loan eligibility

Enter some basic policy details and receive an estimate of surrender value and loan eligibility immediately

Estimate Surrender Value Check Loan Eligibility