How to Restructure Your Loan: A Guide to Loan Restructuring
When life throws unexpected challenges—like a job loss, medical emergency, sudden salary cut, or a business slowdown—EMIs can quickly start feeling like a burden. Many people fear defaulting, but there’s a helpful option that often gets ignored: loan restructuring.
Think of it as pressing the “reset” button on your loan when finances get tight. Instead of missing EMIs or hurting your credit score, you can ask the bank to adjust the terms so repayments become manageable again.
So what exactly happens in loan restructuring?
Your lender reviews your present financial situation and may allow changes such as:
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Lowering your EMI by increasing the loan tenure
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Reducing the interest rate
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Offering a short EMI break (moratorium) so you can regain stability
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In rare cases, a small part of the principal may also be waived off.
The process is simple: explain your financial difficulty to the lender, share income and bank documents, and choose the option that fits. A new agreement is then issued with the revised terms.
For home loan and education loan borrowers, restructuring can be a lifesaver. It helps protect your credit score, avoid defaults, and reduce stress—while giving you time to bounce back.
Yes, stretching the tenure may increase total interest, but it’s still far better than slipping into financial trouble.
Loan restructuring isn’t a shortcut—it’s a support system for tough times.
(Contributed by Neeraj Kumar, HNI Desk, Hum Fauji Initiatives)
Smart Investing Starts with Balance, Not Bold Bets
In a world full of headlines about overnight millionaires, viral stock tips and flashy “get-rich” trends, it’s easy to think that big risks equal big rewards.
But the truth is simple: real, lasting wealth is almost never built on luck or bold bets. It grows slowly, steadily and safely through balance and discipline—not excitement and speculation.
Key principles of balanced investing
• Diversify smartly
Spread your money across different types of investments—like equity, debt, and gold—because they don’t all move in the same direction. This reduces shocks and keeps returns smoother over time, just like the flywheel of a vehicle.
• Align investments with your life stage
When you’re younger, you can afford to take more risk because you have time to recover from market ups and downs. As retirement approaches, shifting towards safer options like bonds helps protect what you’ve built.
• Rebalance regularly
Markets change. Your portfolio drifts. Rebalancing—usually once a year—brings it back to your target mix, helping you lock in gains and control risk.
• Keep your emotions in check
Markets rise and fall. But panic-selling or chasing hype often does more harm than good. A calm, long-term plan always outperforms emotional decisions.
Smart investing is not about predicting the next big winner. It’s about creating a framework that lets your money work for you over time. Whether markets rise or fall, a balanced strategy ensures you remain on track, confident, and in control.
(Contributed by Bhawana Bhandari, Financial Planner, HNI Desk, Hum Fauji Initiatives)
Capital Gains Account Scheme (CGAS) 2025 Update
Quick refresher before the good news: CGAS (Capital Gains Account Scheme) is the special account you must open if you sell a property and need time to reinvest the capital gains. It helps you claim tax exemptions legally while you finalise your next investment.
If you’ve ever sold a property and felt trapped in the maze called CGAS, you’re not alone. Long queues, slow-moving cheques, bulky forms, and months of waiting for account closure—this was enough to test anyone’s patience.
Now, the good news! The government has hit the refresh button with the CGAS 2025, making the entire process simpler and truly digital.
The best part: no more bank visits just to deposit money. UPI, net banking, cards, NEFT/RTGS, IMPS or BHIM Aadhaar Pay—everything works now. NRIs and out-of-station sellers can finally manage deposits without depending on anyone.
From April 1, 2027, closures move online too. Yes, AO (Accounts Officer) approval stays, but the entire process uses DSC/EVC—goodbye delays and uncertainty.
Even better: more banks, including private and small finance banks, can now open CGAS accounts, giving you better tech and smoother service.
And finally—a big win—no more passbooks. Digital statements are now fully accepted everywhere.
CGAS has finally stepped into the digital age —faster deposits, smoother approvals and less dependency on physical paperwork. For property sellers, investors and NRIs, this means less stress and more control over their own money.
(Contributed by Yogesh Gola, Relationship Manager, Advisory Desk, Hum Fauji Initiatives)
What did our clients ask us in the last 7 days
Question –
How can I structure my portfolio so it stays strong during events like a pandemic or any unexpected shock?
Answer –
You can never fully prepare for a crisis—its very nature is unpredictable. But you can build resilience through the right financial foundations and a well-designed portfolio.
Start by setting up your financial safety net:
• A 3–6-month emergency fund
• Strong health insurance
• Adequate life insurance
These shield your family from both financial and personal shocks. Owning your home and keeping your skills updated also add long-term stability.
Once your foundation is strong, structure your portfolio this way:
Diversify Smartly – Don’t rely on one type of investment. Mix equity, debt, gold, and other low-correlation assets so they don’t all fall at the same time.
Add Crisis Assets – Keep 5–10% in gold and maintain high-quality short-to-medium term debt for stability.
Match Each Investment to a Goal – Short-term goals belong in safer assets; long-term goals can stay in equities. This prevents panic selling during market crashes.
Stay Disciplined – Continue SIPs during downturns and rebalance annually to maintain your target allocation.
Choose Quality Over Hype – Strong, well-managed funds and fundamentally sound companies bounce back faster from downturns. High-risk bets often don’t.
In short, a resilient portfolio is a marathon runner, not a sprinter. It is built on discipline, diversification, and the foresight to hold assets that don’t all sink at the same time. It doesn’t avoid losses—it recovers faster and protects your long-term goals.
(Contributed by Team Prithvi, Hum Fauji Initiatives)
