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Peer to peer (P2P) lending companies claim to provide loans at lower rates compared to banks. We ask the experts what impact this can have on the overall interest rate scenario in the country. Bhavin Patel, founder and CEO, LenDenClub The interest rate theory works on supply of money in the system and the risk associated with an investment. When the supply goes up, it brings in downward pressure on the banks to bring interest rates down. As it is now clear that RBI is regulating the P2P segment, many more lenders will be willing to be a part of P2P lending. This will bring in liquidity to P2P platforms, resulting in a reduction in the interest rate offered to borrowers. P2P loans are executed by arranging an electronic meeting of lenders and borrowers on the platform. If lenders have excess liquidity and start pushing higher amounts, they may ask for lesser yield. The impact could be a reduction of at least 1.5% over the next year on P2P platforms themselves. The other important aspect in determining interest rates is the risk associated with P2P loans. As these loans were not reported to any of the credit bureaus earlier, the chances of defaults were higher compared to similar retail loans. However, now, after the RBI regulations, the bureau reporting process will be started. This will make borrowers more concerned about timely payment of loans, bringing down the probability of default. This will reduce repayment risk, resulting in interest rates going down. Both of the above factors will act in favor of borrowers. However, it will take some time before we see the real impact of interest rate reduction.

It is advisable to take a personal loan to clear all your credit card dues and consolidate the debt at one point. It simply means lesser monthly obligation in the form of EMIs and also more savings. These loans can be obtained from Banks, NBFC's and also through the new kid on block, Peer-To-Peer platforms. Peer to Peer lending platforms are a relatively new medium for obtaining short term loans online. These are generally hassle free processing points and it is not necessary that personal loans will be given only to the best of the customers, subprime customers are also given loans. However, the obvious clause which gets attached is higher rate of interest and more verifications. Leading Peer-To-Peer lending platforms in India like LenDenClub provide quick and hassle-free personal loans which are approved on the same day and disbursed within 3 days.

Relocating an office may look easy for some business owners and facility managers but it's not. It's a procedure and like all other procedures, it needs proper planning and investments of money and time. If you plan correctly and work towards executing that plan then relocation will be easy and cost-effective.

Hypertension, also known as high blood pressure, is a common condition in India. It can be very serious if it is not treated. As per a WHO (2023) report, 46% of adults are unaware that they have hypertension [1]. It is a type of 'silent killer' as individuals are usually not aware that something is wrong with their body due to the absence of major symptoms. The major high BP symptom is the blood pressure being over 180/120 mm Hg. This means there is a hypertensive crisis and you should call an ambulance in such a case. Read on to understand hypertension signs, reasons for high BP, and how to handle an emergency during a hypertensive crisis. Call MedCab emergency ambulance services for a hypertensive crisis or other medical emergencies by dialling the emergency ambulance number at 18008-908-208. What is Hypertension? Hypertension or high BP refers to the force of blood pushing against the artery walls being very high on a consistent basis. The heart would have to work harder to pump blood in the body during high BP. Untreated hypertension can have serious repercussions, such as stroke, heart attack, kidney failure and eye damage. To understand hypertension better, categorisations of BP are listed below - Normal BP - For BP to be considered normal, it should be under 120/80 mm Hg. Elevated BP - One would be considered to have elevated BP if the top number is between 120 to 129 mm Hg, while the bottom number is under 80 mm Hg. Stage 1 Hypertension - For stage 1 hypertension, the top number of the reading would be between 130 to 139 mm Hg, while the bottom number would show between 80 and 89 mm Hg. Stage 2 Hypertension - This is the most dangerous state of hypertension, and the top number is 140 mm Hg or more, and the lower number is 90 mm Hg or more. While usually high BP does not have noticeable signs and needs to be measured using the arm cuff of a BP machine, potential signs can occur. Some hypertension signs may include headaches, chest

Heart Attacks Heart attacks are a rising medical emergency in India. The cases of the younger population of India getting heart attacks are more common than in the rest of the globe. In 2015, more than 2.1 million deaths occurred in India due to cardiovascular health-related issues. It is important to be aware of the symptoms of a heart attack and relevant first aid that can be undertaken during the emergency. You can prevent death and save a life if you know what to do in such a situation. Essentially, a heart attack is a medical emergency when the blood flow towards the heart of a person is severely blocked. Usually, a part of the heart will not be receiving enough blood flow during such an attack. This occurs due to a blockage in one of the blood vessels or coronary arteries of the heart. Without enough blood supply, the heart muscle will slowly begin to die. If not resolved immediately, the damage can lead to the death of the person as the heart stops functioning. In case of a heart attack, you should call emergency medical services for quick assistance, while also providing the patient with relevant first aid help. Call MedCab emergency ambulance services for quick medical assistance and ambulance help anywhere in India. Read on to understand the symptoms of a heart attack and the steps you can take to help a person having a heart attack. What are the Symptoms of a Heart Attack? To be able to help someone having a heart attack, it is important to be aware of the warning signs of a heart attack. Heart attacks usually have some common symptoms and warning signs. Some of the common symptoms of a heart attack include the following - Discomfort in the chest - The discomfort usually occurs in the middle or left side of the chest. The discomfort may not be consistent and can come and go. The discomfort caused by a heart attack can feel like a squeezing in the chest, or pain, or a sort of fulness in the chest. Sudden Shortness of Breath - Yo