Dear Editor,

Dear Editor,   Gaurav Chopra Founder and CEO of IndiaLends.com   It’s been more than a decade that I have been actively involved in promoting consumer credit products. Today, I would like to share with you my journey.   First exposure to credit: It was through a supplementary credit card that was linked to my father’s existing one during my college days in Delhi.  I made the mistake of withdrawing cash by using it. When the statement came in, my father explained the mistake I had made.  Apart from a three per cent cash withdrawal charge, the entire outstanding balance had incurred a substantial interest. This was just the beginning.   First exposure to loans: I first understood the complexities of loans as a post-graduate student at London. While a scholarship partially funded my education fees, to fend for my living expenses I applied...