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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.

MedCab is one of the best ambulance service providers to call in case you are in Chowk and need a fast ambulance service at your location. MedCab can be called on their ambulance contact number for Chowk, Lucknow at 18008-908-208. Our ambulance service will arrive at your location within minutes of being contacted, making us the top ambulance service choice in Chowk, Lucknow. Chowk is considered to be an excellent shopping location in Lucknow. Historically, the Chowk market used to be the main market in Lucknow. It was the main cultural hub in Lucknow, but this title has recently shifted to the Hazratganj market. The Chowk market begins from the Gol Darwaza area and stretches up to the Akbari Darwaza. It offers an exquisite experience of Lucknow's clothing and cuisines. Vibrant chikankari clothes can be found in the Chowk market. A variety of famous dishes of Lucknow, such as kebabs and shahi tukda can also be found. Other heritage sites at Chowk, Lucknow include the Bara Imambara, Rumi Darwaza, and Chota Imambara. Chowk is one of Lucknow's largest commercial hubs and an essential experience for anyone visiting Lucknow as a tourist. The Chowk market also offers an enriching experience of Lucknow's heritage to the residents of Lucknow. But unexpected emergencies can occur in the middle of the bustling Chowk market. Due to the crowded nature of the location, it is easy to get overwhelmed during medical emergencies in Chowk. However, you can call MedCab's emergency ambulance number and our team will send medical help within minutes of being contacted.

MedCab provides 24 hours ambulance services and medical help in Alambagh, Lucknow. Alambagh is an important city in the Indian history of independence from British rule. Alambagh is situated approximately 6 km from the Lucknow airport. For better connectivity to the rest of Lucknow and ease of travelling, it also has the Alambagh Bus Stand and Alambagh Metro Station. It is a significant commercial and residential area in Lucknow. Alambagh is home to the famous Alambagh Palace, also known as the Kothi Alamara. The palace was commissioned to be developed in the 1850s by the Nawab of Awadh for his wife Alam Ara, but soon became a part of the activities of the Indian Independence struggle against British rule. The Alambagh Palace was particularly important during the Sepoy mutiny of 1857. This makes Alambagh Palace is a significant monument in the history of Indian independence, much like the other heritage sites in Lucknow.

Charbagh is located towards the South of Lucknow. The area is primarily known for Lucknow's largest railway station, the Charbagh Railway Station. Just like all the other regions of Lucknow, the area has a rich heritage and history. Charbagh is derived from a Persian term which means 'four gardens'. Just like the name, this area was developed as a large garden for the fourth Nawab of Awadh. With British rule and intervention, the area was developed into a railway station for better administration. Furthermore, Jawahar Lal Nehru and Mahatma Gandhi's first meeting also took place at this railway station in 1916. This makes the Charbagh Railway Station a site of great importance to Indian heritage and also holds exceptional value for the city of Lucknow. While the railway station accompanied by the beautiful botanical garden is the main attraction of Charbagh, there are also a number of hotels and residential places in the area, such as Lotus Apartments. The area also hosts several markets, such as the Shri Guru Nanak Market and Preet Market. The Charbagh Metro Station was also developed for ease of travel as a part of the red line of the Lucknow Metro. Besides this, the Lucknow City Hospital is also located in Charbagh. While Charbagh is an important area in Lucknow, arranging an ambulance for urgent medical needs may be challenging due to the heavy traffic in the area. However, MedCab can be contacted to meet urgent medical transportation needs at Charbagh, Lucknow.