Rahul Rai

H ave you ever wondered why some businesses seem to grow steadily while others struggle to survive? The secret often lies in how they manage fixed capital and working capital . While both sound like financial jargon, understanding them is easier than you think—and it could be the game-changer your business needs. What Is Fixed Capital? Fixed capital is all about the long-term investments a business makes to keep running. Think of things like land, buildings, machines, or delivery vehicles. These aren’t items you sell or use up quickly. Instead, they help your business operate and grow over years. For example, if you own a bakery, your ovens and shop space are your fixed capital. What Is Working Capital? Working capital, on the other hand, deals with the short-term. It’s the money needed to run your daily operations smoothly. This includes cash for buying ingredients, paying staff, or covering utility bills. In simple terms, working capital is what keeps the lights on and the doors open...

Have you ever been in a situation where you needed money urgently—maybe for a medical emergency, paying rent, or even fixing your bike—and thought of using a loan app? In today’s digital world, personal loan apps working with NBFCs have become a quick solution for many. With just a few clicks, you can borrow money without stepping inside a bank. But the big question is—are they really safe? Why People Choose Loan Apps The main reason these apps are popular is speed. Unlike traditional banks that need multiple documents and days to process a loan, NBFC-backed apps promise fast approval and quick cash in your account. For someone who needs money urgently, this convenience can feel like a lifesaver. Another factor is accessibility. Many people who don’t have a strong credit history or a regular bank relationship still get a chance to borrow through NBFC apps. That makes them attractive to students, freelancers, and young professionals. The Safety Aspect While convenience is appealing, sa...

N eed quick money to cover unexpected expenses, plan a wedding, or fund a dream vacation? Many people turn to personal loans for such needs, but the real question is— where should you borrow from? With so many options available, choosing the best NBFC for personal loan can make all the difference between a smooth borrowing experience and a stressful one.  Why Choose an NBFC Over a Bank? Non-Banking Financial Companies (NBFCs) are becoming a popular choice for personal loans. Unlike traditional banks, they often have quicker approvals, simpler paperwork, and more flexible eligibility criteria. This makes them especially useful for salaried employees, self-employed individuals, and even first-time borrowers. Things to Check in the Best NBFC for a Personal Loan 1. Interest Rates and Charges Always compare interest rates across NBFCs. Even a small difference can save you a lot over time. Also, check for hidden charges like processing fees or prepayment penalties. 2. Loan Approval Spe...