Loan stacking (एक साथ कई ऋण (लोन स्टैकिंग))
Loan stacking means taking multiple loans from different lenders in quick succession, often before the earlier ones reflect on your bureau report. Lenders treat it as high-risk behaviour, and stacked EMIs plus stacked interest is the fastest route into a debt spiral.
Worked example
Three ₹10,000 loans from three apps in one week means roughly ₹31,500–33,000 due within weeks across three separate due dates. If you need ₹30,000, one loan with one KFS and one EMI schedule is safer and cheaper than three stacked ones.