Shankar co-founded Securis Finance with deep experience in technology and finance, also from Paytm. He focuses on building lending products that respect students' time and trust.
Connect on LinkedInA loan term sheet buries the real cost behind a dozen line items. Here's the CEO's-eye view of the five numbers that actually decide what you pay — and the one quoted rate you should ignore.
Family savings feel free, but they aren't. Here's the honest CEO's-eye view of when a small Securis loan beats raiding the FD — and the three situations where you should just use the savings instead.
We tell people 1-2 working days. But that's a black box if you're sitting on the application side. Here's exactly what happens after you hit submit — stage by stage, with realistic timings and the two or three places things genuinely slow down.
An education loan covers laptops on paper. A personal loan covers them more practically. Here's the honest tradeoff for the ₹50K-₹1.5L laptop decision.
Total prep + exam fees can hit ₹3-4 lakh for CFA Level 1+2, ₹2 lakh for GMAT. Here's a clean breakdown of when to borrow vs. save.
Tuition is the headline number. The other ₹50,000+ in first-year expenses rarely is. Here's the full list so you don't get surprised.
A Coursera Plus year is ₹35,000. An edX MicroMasters can hit ₹2,00,000. Here's when borrowing for online learning is worth it — and when it's not.
Apple's own EMI options need a salaried profile. Here's what actually works for a college student paying ₹85,000+ for a MacBook Air or Pro.
The honest answer: most college students and early-career working professionals qualify. Here's exactly what we look at and what you need to have ready.
