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5 Ways You Can Get Some Emergency Cash in India.




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An emergency situation may come unannounced. Whether it is a medical crisis or financial deprivation induced by unemployment, such moments can make us feel vulnerable and helpless. 

To preempt such difficult situations, one should always keep some emergency cash aside. Whether a savings account, a fixed deposit, or an insurance policy- a lump sum of money should always be kept untouched. 

However, things don’t always work out as planned, and one might need to avail of alternate possibilities owing to a dearth of savings.

5 ways one can get some emergency cash in India to battle a financially challenging time

  1. Getting a Credit Line Facility:

Generally speaking, a lender may go into two kinds of loan arrangements with the borrower- the traditional fixed amount loan as we know it and the line of credit.

While the fixed or variable-interest loan is common knowledge, a line of credit is less talked of. 

A line of credit or credit line facility is a revolving loan arrangement from a bank or financial institution which enables you to borrow portions of money from a certain designated amount for a particular period. 

Imagine a pool of a fixed sum from which you can borrow any amount at certain time intervals. Once you repay the money, it gets added to the remaining credit available for further borrowing.

This period available for borrowing is called the draw period. The time at the end of the draw period by which any outstanding amount must be repaid is called the repayment period. 

The difference between a loan and a line of credit is that while a loan puts out a lump sum for borrowing, a line of credit enables you to borrow portions of the sum according to your needs as and when required. This means you can choose not to utilize the better half of the loan amount if you don’t need it and therefore save having to pay interest on it.

A line of credit has a few clear advantages over a loan – with the former, you have to pay interest only when you borrow from the pool of money instead of paying interest from the very moment the loan amount is disbursed, as with the latter.

A line of credit is also more suited as opposed to a traditional loan when the exact monetary amount required is unknown or fluctuating.

  1. Taking a Personal Loan

Personal loans require less documentation and minimal paperwork, which is why it gets disbursed almost instantly and can act as a saving grace during times of emergency. 

Because personal loans are unsecured loans, they are charged against high-interest rates in the market. However, many NBFCs and online lenders now offer personal loans at relatively lower interest rates, for example, Money View.

You can also negotiate with the lender for a lower rate if you have a successful credit history. 

These are flexible loans that can be used to fulfill almost any purpose without providing lengthy accounts of the reason behind borrowing.

  1. Loan Against a Fixed Deposit

A fixed deposit is a great investment option that lets you save your money and benefit from saving it at the same time. 

A fixed deposit account is where you deposit your savings alongside a high-interest rate which gets accrued on the principal amount for a predetermined time period. At the end of the period, you get compound interest on the principal amount besides a complete return of the amount. 

It is a popular option because fixed deposit accounts are not subjected to fluctuations in the market rate. This means, if the rate of interest at the time of maturity is less than at the time of application, you will still be entitled to the original rate.

This makes it a more profitable option as compared to other assets such as gold or property, which are subject to market risks. 

Now, most banks impose a penalty if you break your fixed deposit before the time of maturity. This deprives you of the highest maximum return, and you can end up losing money.

Instead, in case of urgent cash requirements, you can apply for a loan against a fixed deposit where your FD account will be pledged security in case of inability to repay. 

With this option, you can multiply your money and use it in case of emergencies while protecting your fixed deposit account at the same time with timely repayments.

  1. Getting a Top-Up Loan On Your Existing Loan

If you have an ongoing loan with a bank or NBFC, you can apply for a top-up over that loan amount

A top-up loan is considered more fruitful than an additional loan for multiple reasons when in need of some urgent cash. 

First, top-up loans charge lower interest rates than other loans, such as a loan against property. Second, they significantly reduce documentation and processing time since your details are already in the database under your previous loan. 

Finally, they are disbursed quickly for the above reasons and hence can be a secure go-to option in times of an emergency. 

Procuring top-up loans is easy as long as you have a history of timely repayment with your original loan. Moreover, they have no restrictions on usage and can be used to meet a number of pressing requirements in a hassle-free manner. 

  1. Asking a Friend/Relative or Requesting an Advance from Employer

All of us have friends and family members whom we can depend on during difficult times. 

Asking a trusted friend or a relative for money during emergencies can prove to be a quicker and more hassle-free recourse than getting caught up in the endless paperwork of traditional secured loan applications. 

However, money borrowed from an acquaintance should be treated with the utmost seriousness and repaid at the earliest opportunity. One should not behave recklessly simply because the loan amount has been borrowed from a known person. 

Lack of prompt and serious attitude can lead to strained relations, and worse, can escalate to dire and unforeseen legal circumstances, and should therefore be avoided at all costs.

Alternatively, you can also request your employer for a couple of months’ advance, which can be deducted in smaller sums over the length of a few months.

Unless your company has stringent guidelines which can, under no circumstances, be altered, this arrangement can be less of a financial burden if the terms and conditions are ironed out properly.

Other miscellaneous ways to get emergency cash

The ways mentioned above do not form an exclusive list of ways to obtain emergency cash in India. There are various other loan schemes offered by banks, NBFCs, as well as online lenders and groups that can rescue you from a financial crunch in case of emergencies. 

However, be wary of schemes that appear too good to be true, and be sure to do your research verifying the lender’s credibility before applying for a loan. Additionally, read the terms and conditions in the final loan application thoroughly to ensure no hidden charges are being extracted.

Other available options are a credit card loan, loan against property, gold loan, etc. But these schemes either charge exorbitant interest rates or involve rigorous paperwork that can effectively delay the whole process. This can ultimately prove to be a disadvantage when one is running under time constraints.


Today, a variety of loan options are available at variable rates and repayment tenures. 

Make sure you compare the rates of multiple banks and financial institutions to make an informed decision best suited to your financial condition.

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The next 8 things you should do for profitable gaming site success




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Keuntungan sehari-hari sebuah klub bergantung pada berbagai hal – mereka adalah organisasi seperti organisasi lainnya dan ada yang dijalankan dengan baik dan ada yang tidak begitu baik. Klub perjudian benar-benar kehilangan segalanya sesekali, semua hal dipertimbangkan!

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Berdasarkan laporan tahunan MGM tahun 2019, Bellagio memperoleh keuntungan pra-biaya sebesar $465 juta. Itu adalah manfaat normal $1,27 juta setiap hari.

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Hooked on Performance: The Robust Design and Flexibility of Mixer Tow Bars

David Luke



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When it comes to ensuring that equipment performs at its best, strength, durability, and flexibility are non-negotiables. In the world of towing and hauling, the stakes are even higher. This is where the mixer tow bar loop hitch comes into play. A marvel in its design, this piece of equipment embodies the ideal blend of robustness and versatility.

Here, we discuss the robust design and flexibility of mixer tow bars:

The Ultimate in Durability: Built to Last

Constructed of heavy-duty schedule pipe, the mixer tow bar loop hitch boasts an incredible resilience. This isn’t just any ordinary tow bar. It’s designed to withstand the harshest conditions, ensuring that it won’t bend or break even when faced with challenging terrains and heavy loads.

hitch-mixer loop

This strength is particularly crucial for those in industries where equipment is regularly exposed to strenuous conditions. Whether you’re transporting construction materials or navigating off-road terrains, you need the confidence that your tow bar won’t give in halfway through the job.

Flexibility at its Best: Adaptability for All Your Needs

One of the standout features of the mixer tow bar loop hitch is its unparalleled versatility. Its unique design allows for easy connection to either a pintle loop or a 2 ball hitch system. This means that whether you’re engaged in small scale projects requiring more delicate maneuvering or large scale operations demanding more substantial equipment, this tow bar has got you covered.

The flexibility it offers is unmatched, making it an indispensable tool for professionals who regularly switch between different types of projects. No more need to invest in multiple tow bars for various needs. The mixer tow bar loop hitch is your one-stop solution.

The Perfect Companion for Projects of All Sizes

Small Scale Projects

For those projects that require more agility and less heavy-duty equipment, the mixer tow bar’s compatibility with the 2 ball hitch system is ideal. It provides a secure connection while allowing for easier maneuverability.

Large Scale Projects

On the other hand, when working on more extensive projects where larger vehicles and heavier loads come into play, the pintle loop system is your go-to. It provides the robustness and stability needed to handle substantial weight without compromising on security.

A Seamless Integration with Your Existing Equipment

It’s not just about the tow bar’s individual performance. Its ability to integrate seamlessly with other equipment plays a pivotal role in ensuring smooth operations. The mixer tow bar loop hitch’s design ensures that it fits in perfectly with most towing vehicles and trailers, thus eliminating the need for any additional modifications or investments.


In the world of towing and hauling, the mixer tow bar loop hitch is a game-changer. Its robust design ensures that it stands the test of time, providing unmatched strength and durability. At the same time, its flexibility means that it can adapt to the ever-evolving needs of various projects.


By investing in this tow bar, professionals can save both time and money, no longer needing to switch between different bars for different tasks. It’s a testament to the importance of having equipment that is both strong and versatile. The mixer tow bar loop hitch truly is hooked on performance.

Elevate Your Towing Game with TMS Equip’s Mixer Tow Bars!

When performance and reliability matter, look no further than TMS Equip‘s mixer tow bar loop hitch. Experience unparalleled versatility, strength, and durability tailor-made for your projects, big or small. Constructed with heavy-duty Schedule pipe, our tow bar promises zero compromises on quality. Whether it’s a pintle loop or a 2 ball hitch system you require, we’ve got you covered.

Don’t settle for less. Choose TMS Equip’s mixer tow bar and tow with confidence. Upgrade your equipment today!

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