Shankar co-founded Securis Finance with deep experience in technology and finance, also from Paytm. He focuses on building lending products that respect borrowers' time and trust — for salaried professionals and students alike.
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.
