GURUGRAM, IN / ACCESS Newswire / June 3, 2026 / For millions of salaried Indians, there is no single “loan problem.” There are three: a credit card outstanding dues stacking up on one side, a personal loan EMI on the other, and a WhatsApp message from a recovery agent sitting unread in the middle. Reserve Bank of India data puts gross NPAs (loans marked bad by banks) in the retail segment at roughly ₹2.5 lakh crore. Behind that number are real people: employed, earning, but running out of road. The options exist. The question is which one fits.
Why Doing Nothing Is the Worst Choice
Ignoring all of this does not make it smaller. A missed EMI adds a late fee. A late fee becomes a penalty. A penalty compounds at…