Borrow Only What You Need

When you apply for a personal loan, lenders often approve more money than you actually need.

And at that moment, it can feel reassuring to take the extra amount — just in case.

But here’s the catch. Every extra rupee you borrow increases the total interest you’ll pay over

time. What feels like flexibility today can quietly turn into a heavy monthly

burden tomorrow. Personal loans already come with higher interest rates. So borrowing more

than necessary means you’re committing to higher EMIs for years — even if the extra money

wasn’t truly needed. Before accepting the loan amount, pause and ask yourself one simple question:

Do I need this money, or is it just available? Eligibility does not mean affordability. The smartest approach