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/@cytonn_photography?utm_source=ghost&utm_medium=referral&utm_campaign=api-credit"><span style="white-space: pre-wrap;">Cytonn Photography</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>

Need Money? Don't Surrender Your ULIP Yet

Advantages of keeping a ULIP policy and taking a loan vs. Surrendering it for short term financial needs

by Sugandha Anwekar

Loan Against Insurance Policy

4 min

3 Jul 2026

Need Money? Don't Surrender Your ULIP Yet

Advantages of keeping a ULIP policy and taking a loan vs. Surrendering it for short term financial needs

by Sugandha Anwekar

<span style="white-space: pre-wrap;">Can I Withdraw Money From My LIC Policy Early?</span>

4 min

23 Jul 2025

Can I Withdraw Money From My LIC Policy Early?

The answer depends on your LIC policy type, how long you've paid premiums, and the terms associated with withdrawal, surrender, or loan.

by Sahana Bhat

<span style="white-space: pre-wrap;">What Happens If I Die After Taking a Loan on My Life Insurance Policy?</span>

4 min

21 Jul 2025

What Happens If I Die After Taking a Loan on My Life Insurance Policy?

Discover what happens to your life insurance payout if you die with an active loan. Understand how your nominee is affected and what gets deducted.

by Anwesha Roy

<span style="white-space: pre-wrap;">Do I Need to Pay Both the Premium and Loan Repayments</span>

5 min

21 Jul 2025

Do I Need to Pay Both the Premium and Loan Repayments After Taking a Loan on my Life Insurance Policy?

Do I need to pay both premiums and loan EMIs after taking a loan against your life insurance policy? Not with Policy Holiday and Cover Continuation options!

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

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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

Estimate your policy value and loan eligibility

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

Estimate Surrender Value Check Loan Eligibility