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Harsh Roongta
Interview

Harsh is CEO, Apnapaisa Private Limited. He is counted among India's foremost personal finance experts. After a successful entrepreneurial stint and an equally impressive career at ICICI, Harsh co-founded Apnaloan.com in 2000, in partnership with other accomplished industry professionals.
Apnaloan.com has since become part of the larger Apnapaisa Private Limited. His knowledge of the minutiae of personal finance products be it loans or insurance, has successfully driven the Apnapaisa ethos - that of a comparison site bar none.
His ability to perceive the less-than-obvious angle on a story stands him in good stead while answering queries - on the Apnapaisa portals, online chats, or on his regular appearances on the major TV channels.
When it comes to personal finance, Harsh has been the go-to guy for quotes and opinion for all major newspapers for quite some time now. While dispensing eminently practical wisdom, he has succeeded in taking time out to co-author The Complete Home Loan Guide, a popular guide to home loans.

 

 

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Home Loan

Personal Loan

Car Loan

Business Loan
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Loan Against Property

Credit Cards
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View Questions/Answers

 

25084 I had taken a home loan from SBI @ 8% Fixed Rate Option. But now in the Interest Accrued Certif
24743 My approved loan amount is 2172000 for an underconstruction property from HDFC for which I have
24578 My name appeared in the CIBIL list with remarks undisclosed Credit card dues. A copy of the sam
23569 Hi I have applied for home loan in IDBI bank, they have said that it is sanctioned and the CIB
23219 Dear sir i am looking for a loan amt Rs.500000 for tenure of 10yrs.so please help me from where
23158 MY NAME MANOJ PANDEY D.O.B.11/07/1975 PAN NO.AOYP1650D Pls.SEND MY CIBIL SCORE
22805 Sir, request you to guide me on how to access my credit report from CIBIL. I called their helpd
22298 Sir, How can i know whether my name is there in CBIL defaults list or not?
22296 sir, my salary is 1 lak/month, and i have taken 1 crore as personal loan from different banks.
22292 Sir, Is pre closing my loan, bad? In CBIL, will it show poor?
22285 sir, i have some personal loans and credit card. There are some defaults in credit card. So my
22212 Dear Sir, i have taken a home loan with Deutsche Bank and the rate of interest now is 12.25 flo
22168 Sir, I have approached Axis bank for Loan but got rejected due to poor banking history in CIBIL
21951 should i go settelement of pastduesdefault on pmt/emi, thru advocate/consultant or direct with
21859 Dear SAir, I have applied for apersonal loan from HDFC, but they rejected the application due
21839 I have received the information from cibil saying that citibank has written off around 7.00 lac
21825 Hello Sir, I am having home loan from ICICI for last 3 years, and it increased from 9.25% to 12
21779 Can the Bank charge prepayment penalty from November 2006 upto now i.e. on the installments alr
21748 I had taken taken home loan from HDFC. On 17th Jan'09, I applied for foreclosure of the loan by
20933 Dear Sir, i'm taking a loan against Credit Card, which treated as personal loan. The rate of in
20922 Bank is charging me pre payment penalty for loan take over, however i want to fight the same in
20888 Loan transfer fees of 3% from HDFC. I have till date taken loan of 20 lakhs from HDFC and i wan
20811 Dear Sir How can i get my CIR report from CIBIL or otherwise how can a consumer approach CIBIL?
20517 Hello Sir, I have some concerns regarding the information in the CBIL report generated for me.
20238 Hi Harsh, I am Rohan and have taken a loan with citibank for 40 lacs on 30-Aug-07. Since then
20110 HDFC has increased prepayment charges, Will approaching consumer forum can be of any help
20063 After delaying the project for more than a year, the builder simply says he has no money to con
19896 Dear Sir, I have availed Home Loan from ING Vysya Bank few months back. I have paid EMI for 6Mo
19835 Sir, My name is Sunil and i work for a private company as a Manager. I have a annual income of
19774 Sir, I have applied for a Personal loan with AXIS and HDFC they have rejected due to adverse