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data-adsSlot="ET_Personal_Finance/ET_Personal_Finance_Insurance_AS/ET_ROS_Skin_PFN_INS_AS_LHS_125" id="skinningleft_backup" data-fallback="1" data-loc="All" class="skinning_left"></div>  <main class="pageHolder 58"><div l3="0" l2="65068593" l1="837555174" lan="" class="primeDW" id="topAd"><div data-size="[[1003, 90],[970,90],[728, 90]]" data-adsSlot="ET_Personal_Finance/ET_Personal_Finance_Home/ET_ROS_ATF_PFN_728" id="div-gpt-ad-atf728-65068593-67754829" data-oop="0" data-loc="All" data-adtype="atf728" class="adSelector1 clearfix topArtAd topAd"></div><div isActive="1" subsecid="ads_subsec2" slug1Status="0" innov1Status="1" btf300Status="1" mid300Status="1" atf300Status="1" atf728Status="1" popStatus="" shoshStatus="" id="adStatus" data-adtype="atf728" style="display:none;"></div></div><div class="band" id=""><div class="contentwrapper bandCont clearfix"><div class="flipWrapper"><div class="mkt_indices_band clearfix"><div class="band-items band-item-sm" id="S1_box"><div class="band-item clearfix"><div class="band-content"><div class="head"><a target="_blank" href="https://economictimes.indiatimes.com/markets/indices/nifty-50">Benchmarks </a></div><div class="values"><a class="wname" target="_blank" href="https://economictimes.indiatimes.com/markets/indices/nifty-50">Nifty</a><span class="num">22,913.15</span><span class="per cSprite_b red">-19.75</span></div></div></div></div><div class="S5_box_wrapper"><div id="S5_box" class="band-items"><a rel="nofollow sponsored" target="_blank" href="https://www.canararobeco.com/smart-invest/sign-in/?utm_source=et-i&utm_medium=invest_now&utm_campaign=canara_robeco_elss_tax_saver" data-ga-onclick="Buy Direct - ETMarketBand#WEB - Click - Canara Robeco ELSS Tax Saver Regular - Growth - Invest Now - MarketBand#MarketBand - url"><div class="band-item clearfix"><div class="band-content-left"><div class="head"><span class="lbl">FEATURED FUNDS</span><div class="ratings flr"><span class="rating">★★★</span><span class="ratingGrey">★★</span></div></div><div class="title" title="Canara Robeco ELSS Tax Saver Regular - Growth">Canara Robeco ELSS Tax Saver Regular - Growth</div></div><div class="band-content-right flt"><div class="head lbl">5Y Return</div><div class="values flt"><span class="per cSprite_b green">16.27 % </span></div><div class="cta flt">Invest Now</div></div></div></a><a rel="nofollow sponsored" target="_blank" href="https://www.assetmanagement.hsbc.co.in/en/mutual-funds/investment-expertise/equity-funds/hsbc-large-cap-fund?cid=HBIN:ANILP:123:D1:AMG:L6:GO" data-ga-onclick="Buy Direct - ETMarketBand#WEB - Click - HSBC Large Cap Fund Direct-Growth - Invest Now - MarketBand#MarketBand - url"><div class="band-item clearfix"><div class="band-content-left"><div class="head"><span class="lbl">FEATURED FUNDS</span><div class="ratings flr"><span class="rating">★★★</span><span class="ratingGrey">★★</span></div></div><div class="title" title="HSBC Large Cap Fund Direct-Growth">HSBC Large Cap Fund Direct-Growth</div></div><div class="band-content-right flt"><div class="head lbl">5Y Return</div><div class="values flt"><span class="per cSprite_b green">14.94 % </span></div><div class="cta flt">Invest Now</div></div></div></a></div></div></div></div><div class="srch-overlay-content" id="srch-overlay-content"><svg xmlns="https://www.w3.org/2000/svg" viewBox="0 0 15 15" height="15" width="15" class="left_icon"><path fill-rule="nonzero" fill="#ED193B" d="m13.296 13.499-3.95-3.557a4.37 4.37 0 0 1-1.344.875 4.907 4.907 0 0 1-1.668.375c-1.426.075-2.66-.357-3.701-1.295C1.59 8.959 1.033 7.79.96 6.39c-.073-1.4.359-2.62 1.297-3.662.938-1.041 2.114-1.6 3.526-1.673 1.4-.074 2.617.359 3.652 1.297 1.035.939 1.59 2.107 1.663 3.507.03.567-.034 1.12-.191 1.657a5.032 5.032 0 0 1-.754 1.529l3.967 3.538a.614.614 0 0 1 .048.869.617.617 0 0 1-.872.046zM8.925 8.723a3.76 3.76 0 0 0 .985-2.801 3.76 3.76 0 0 0-1.273-2.683 3.71 3.71 0 0 0-2.792-.995c-1.082.056-1.983.484-2.702 1.283-.72.798-1.051 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class="artImg"><img height="225" width="300" alt="13" src="https://img.etimg.com/thumb/msid-67754828,width-300,height-225,imgsize-603257,resizemode-75/13.jpg"><span class="imgAgency">Getty Images</span></figure></div><div data-brCount="28" class="artText">Everybody loves a cheaper loan. But ever wondered what determines the rate of interest on personal <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/loans" target="_blank">loans</a>. There are no fixed <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/interest-rates" target="_blank">interest rates</a> for unsecured loans. The rates vary according to the borrower’s ability to repay and his credit profile.<br><br><style> #sr_widget.onDemand p, #stock_pro.onDemand p{font-size: 14px;line-height: 1.28;} .onDemand .live_stock{left:17px;padding:1px 3px 1px 5px;font-size:12px;font-weight:600;line-height:18px;top:9px} #sr_widget.onDemand .sr_desc{margin:0 auto 0;} #sr_widget.onDemand .sr_desc{color: #024d99;margin-top:10px;} #sr_widget.onDemand .crypto .live_stock .lb-icon{8px 6px 5px 3px !important} #sr_widget.crypto.onDemand a.text{border-bottom:1px solid #ccc;padding-bottom:5px;display:block;width:100%} #sr_widget.onDemand .sr_desc .text p, #stock_pro.onDemand .sr_desc .text p{font-size:12px;font-weight:400;} </style><div class="crypto onDemand" data-ga-impression="On Demand CTA articleshow#Impressions | On Demand CTA | Articleshow#" id="sr_widget"><div class="live live_stock"><p>Trump-Modi Meet</p></div><div style="margin-top: 10px;float: left;width: 100%;"><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/economy/policy/trump-modi-talk-fighter-jets-trade-wars-china-making-india-great-again-leave-out-adani/articleshow/118233685.cms" href="https://economictimes.indiatimes.com/news/economy/policy/trump-modi-talk-fighter-jets-trade-wars-china-making-india-great-again-leave-out-adani/articleshow/118233685.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">The mega MIGA, MAGA plans of India's Modi and US' Trump</p></a><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/economy/foreign-trade/trump-announces-reciprocal-tariffs-says-india-has-more-tariffs-than-any-other-country/articleshow/118224384.cms" href="https://economictimes.indiatimes.com/news/economy/foreign-trade/trump-announces-reciprocal-tariffs-says-india-has-more-tariffs-than-any-other-country/articleshow/118224384.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">Trump says India has more tariffs than others</p></a><a class="text" target="_blank" data-ga-onclick="On Demand CTA articleshow#Clicks | On Demand CTA | Articleshow#https://economictimes.indiatimes.com/news/international/global-trends/trumps-golden-rule-for-imposing-reciprocal-tariffs-and-what-they-mean-for-us-allies-explained/articleshow/118234227.cms" href="https://economictimes.indiatimes.com/news/international/global-trends/trumps-golden-rule-for-imposing-reciprocal-tariffs-and-what-they-mean-for-us-allies-explained/articleshow/118234227.cms"><p style="font-size:14px;font-weight:400;margin-top: 5px;" class="sr_desc">Trump's 'golden rule' for imposing reciprocal tariffs</p></a></div></div>Risk profiling is the most important aspect of <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/peer-to-peer" target="_blank">peer to peer</a> (<a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/p2p" target="_blank">P2P</a>) lending. A borrower with low risk will get loans at a lower interest rate while another with higher risk will have to pay a higher interest rate for his loan. <br><div data-mid-newpos-mgid="mgid_67754829" id="div-mgid-mid-newpos-67754829"></div><br>“Borrowers on our platform are given a score out of 100, which determines their risk profile. A score of 52 to 60 points is high risk while a borrower with more than 60 points will get a lower interest rate,” says Bhavin Patel, Founder & CEO, LenDenClub.<br><div style="margin-bottom:45px;" class="adBox custom_ad nonm taboola" data-taboola="taboola_67754829"><div class="colombia colombiaAd" data-section="0" data-position="67754829" data-slot="532740" col="2" data-msg="ctnCallbackHandler" id="div-clmb-ctn-208630-67754829-28"></div><div id="v-economictimes-indiatimes-v3"></div><div data-placement="Mid Article Thumbnails" data-target_type="mix" data-mode="thumbnails-mid" style="min-height:400px; margin-bottom:12px;" class="wdt-taboola" id="taboola-mid-article-thumbnails-67754829"></div></div><br>Interest rates define the risk factor associated with lending to a person. Past repayment behaviour, his diligence in making utility payments and past loans may determine his intention and ability to repay.<br><br>“Markers like income, sources of income, dependants and earning members show the financial ability. Some fintech companies are also experimenting to incorporate shopping details to determine financial behaviour and intentions,” says Rajat Gandhi, CEO, <a ref="dofollow" data-ga-onclick="Inarticle articleshow link click#Wealth#href" href="/topic/faircent" target="_blank">Faircent</a>.<br><div data-ga-impression="GrowFast_Web#Impression#url" class="growfast_widget custom_ad"><a data-ga-onclick="GrowFast_Web#Click#url" target="_blank" title="Growfast Logo" href="https://growfast.indiatimes.com/?ag=ET_Web"><img src="https://img.etimg.com/thumb/width-513,height-50,msid-115075348/growfast.jpg" alt="Growfast" height="40" width="410" loading="lazy"></a><div class="growfast_slider"><ul class="sliderContainer"><li><a data-ga-onclick="GrowFast_Web#Click#Java Programming with ChatGPT: Learn using Generative AI" title="Java Programming with ChatGPT: Learn using Generative AI" href="https://growfast.indiatimes.com/courses/testing-masterclass-yf/1239?ag=ET_Web"><div class="images_wrap"><img class="cover_img" src="https://img.etb2bimg.com/files/retail_files/1239_cover_image_1723549896_42701.jpg" loading="lazy" height="80" width="300" alt="Java Programming with ChatGPT: Learn using Generative AI"><img class="author_img" loading="lazy" height="56" width="56" alt="" src="https://img.etb2bimg.com/files/retail_files/expert_picture_1723545629_1723545629_26628.jpg"></div><div class="details"><p class="category">Artificial Intelligence(AI)</p><p class="course_name">Java Programming with ChatGPT: Learn using Generative AI</p><p class="author_name">By - 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A person living in a remote area may have to pay more for the loan than somebody in a metro city with a better financial exposure. <br><br><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="2" id="div-gpt-ad-858478132-1-67754829" class="country_specAD2nd"></div><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="5" id="div-gpt-ad-858478132-1-67754829" class="country_specAD2nd"></div><div data-size="[[300, 250], [600, 250], [600, 300]]" data-adsSlot="/7176/Economictimes/ET_News/ET_News_ROS/ET_News_ROS_MID1_INTL_300" data-loc="3" id="div-gpt-ad-858478132-1-67754829" class="country_specAD2nd"></div>“Interest rates are set as per borrower profile. Profile is determined by the borrower’s financial stability reflected by many factors like his credit history, his job profile and place of work. On the basis of the evaluation, the platform makes the offer. If he accepts, he’s listed on the platform,” says Nikhil Prabhakar, Co-Founder, RupeeCircle.<br><br>The underwriting team does the credit evaluation before the platform makes the final offer to the borrower. For instance, someone looking for a Rs 1.5 lakh loan may be offered a Rs 1 lakh loan after his documents are verified by the underwriting team.<br><br>“Borrower has to agree to the offer before he is listed on the platform. Soft negotiations over the interest rate on a scale of 1-2 percent may happen before he is given an offer,” adds Gandhi. <br><br>Lenders on a P2P platform cannot directly talk to a borrower. However, some P2P platforms provide an internal chat facility once the offer is made. The data encrypted and remains within the system.<br><br>Interest rate is majorly machine-driven in P2P lending. However, human interference is restricted to verifying the financial documents of the applicant which forms the basis of his validity. <br><br>“Profiling would depend on the purpose and term of the loan. 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", "datePublished": "2019-01-30T15:01:00+05:30", "dateModified": "2019-01-30T15:01:00+05:30", "url":"https://economictimes.indiatimes.com/wealth/p2p/how-are-interest-rates-set-on-p2p-platforms/articleshow/67754829.cms", "mainEntityOfPage":"https://economictimes.indiatimes.com/wealth/p2p/how-are-interest-rates-set-on-p2p-platforms/articleshow/67754829.cms", "articleSection" : "Wealth", "articleBody":"Everybody loves a cheaper loan. But ever wondered what determines the rate of interest on personal loans. There are no fixed interest rates for unsecured loans. The rates vary according to the borrower’s ability to repay and his credit profile.Risk profiling is the most important aspect of peer to peer (P2P) lending. A borrower with low risk will get loans at a lower interest rate while another with higher risk will have to pay a higher interest rate for his loan. “Borrowers on our platform are given a score out of 100, which determines their risk profile. A score of 52 to 60 points is high risk while a borrower with more than 60 points will get a lower interest rate,” says Bhavin Patel, Founder & CEO, LenDenClub.Interest rates define the risk factor associated with lending to a person. Past repayment behaviour, his diligence in making utility payments and past loans may determine his intention and ability to repay.“Markers like income, sources of income, dependants and earning members show the financial ability. Some fintech companies are also experimenting to incorporate shopping details to determine financial behaviour and intentions,” says Rajat Gandhi, CEO, Faircent.“Fintechs rely heavily on data analytics so the financial behaviour and discipline would be more important than the ability to repay in determining the interest rate,” says Gandhi.Interest rate also varies as per demographics and geographies. A person living in a remote area may have to pay more for the loan than somebody in a metro city with a better financial exposure. “Interest rates are set as per borrower profile. Profile is determined by the borrower’s financial stability reflected by many factors like his credit history, his job profile and place of work. On the basis of the evaluation, the platform makes the offer. If he accepts, he’s listed on the platform,” says Nikhil Prabhakar, Co-Founder, RupeeCircle.The underwriting team does the credit evaluation before the platform makes the final offer to the borrower. For instance, someone looking for a Rs 1.5 lakh loan may be offered a Rs 1 lakh loan after his documents are verified by the underwriting team.“Borrower has to agree to the offer before he is listed on the platform. Soft negotiations over the interest rate on a scale of 1-2 percent may happen before he is given an offer,” adds Gandhi. Lenders on a P2P platform cannot directly talk to a borrower. However, some P2P platforms provide an internal chat facility once the offer is made. The data encrypted and remains within the system.Interest rate is majorly machine-driven in P2P lending. However, human interference is restricted to verifying the financial documents of the applicant which forms the basis of his validity. “Profiling would depend on the purpose and term of the loan. Some lenders want higher interest but some want to help people with their money which gives a social angle to P2P lending,” adds Prabhakar.", "image": { "@type": "ImageObject", "url": "https://img.etimg.com/thumb/msid-67754828,resizemode-4,width-1200,height-900,imgsize-603257,overlay-etwealth/articleshow.jpg", "width": 1200, "height": 900 }, "author": { "@type": "Person", "name": "Pallavi Arun Verma" }, "publisher": { "@type": "NewsMediaOrganization", "name": "Economic Times", "logo": { "@type": "ImageObject", "url": "https://img.etimg.com/thumb/msid-76939477,width-600,height-60,quality-100/economictimes.jpg", "width": 600, "height": 60 } } , "isAccessibleForFree" : "https://schema.org/False", "hasPart": { "@type": "WebPageElement", "isAccessibleForFree": "https://schema.org/False", "cssSelector" : ".paywall" }, "isPartOf": { "@type": ["CreativeWork", "Product"], "name" : "Economic Times", "productID": "prime.economictimes.indiatimes.com:prime" } }</script><script type="application/ld+json"> { "@context": "https://schema.org/", "@type" : "WebPage", "name" : "How are interest rates set on P2P platforms?", "speakable" : { "@type": "SpeakableSpecification", "cssSelector" : [".article_wrap h1", ".artSyn h2"] }, "url": "https://economictimes.indiatimes.com/wealth/p2p/how-are-interest-rates-set-on-p2p-platforms/articleshow/67754829.cms" } </script><script type="text/javascript"> //set iframe height on load (function(){ $('#toispecials-iframe').height($(window).height()); })(); /* function scrollIframeToTop() { setTimeout(function() { $('body, html').animate({ scrollTop: $menuEl.offset().top }, 800); }, 500); } scrollIframeToTop(); */ </script><script> var countryCode = window.geoinfo && geoinfo.CountryCode; if (countryCode === "IN"){ $('.inSideInd').addClass("show"); $('.outsideInd').remove(); } else{ $('.outsideInd').addClass("show"); $('.inSideInd').remove(); } window.onload = function() { // setFont(); }; </script><div class="blocker_wrap hidden"><section class="font_mon login_blocker hidden"><div class="lb_head tac">Continue reading with one of these options:</div><div class="lb_box_cont"><div class="lb_box"><div class="lb_boxb"><div class="lb_boxh">Limited Access</div><div class="lb_boxt">Free</div><div class="lb_boxd">Login to get access to some exclusive stories<br> & personalised newsletters</div><div onclick="objPrimePaywall.cta('login')" class="lb_boxbtn">Login Now</div></div></div><div class="lb_box"><div class="lb_boxb"><div class="lb_boxh">Unlimited Access</div><div class="lb_boxt lb_pr">Starting @ Rs120/month</div><div class="lb_boxd">Get access to exclusive stories, expert opinions &<br> in-depth stock reports</div><div onclick="objPrimePaywall.cta('plan')" class="lb_boxbtn">Subscribe Now</div></div></div></div></section><div class="loader_box"><div class="spinner"><div class="loading-text">ET</div></div></div><section class="font_mon prime_paywall"><style> .articleBlockerWrap {width: 650px;background: #ffe9e2;height: 251px;display: none;margin: 2% auto 2%;box-shadow: 0 12px 20px 0 rgb(0 0 0 / 13%);} .articleBlocker {background: #ffe9e2;border: 7px solid white;padding: 28px 22px;width: 567px;margin: auto;text-align: left;position: relative;min-height: 149px;} .articleBlocker h4 {font-size: 24px;font-weight: bold;line-height: 1.27;} .articleBlocker p {font-size: 16px;margin: 15px 0;} .articleBlocker button {background: #ed193b;color: white;font-size: 16px;font-weight: 800;margin: auto;width: 215px;height: 37px;border-radius: 2px;position: absolute;animation: .18s linear infinite alternate slide;} @keyframes slide {from {left: 15px;}to {left: 30px;;}} .articleBlocker button:hover {animation-play-state: paused;cursor: pointer;} .articleBlocker img {position: absolute;right: 22px;height: 120px;bottom: 0;} </style><div data-paywall="true" data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="articleBlockerWrap"><div class="articleBlocker"><h4>Uh-oh! 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right: 0; width: 220px; margin: 0 auto; height: 32px; display: flex; align-items: center; justify-content: center;} .limitedOfferLabel:before { background-image: linear-gradient(65deg, transparent 50%, #ffe9e2 50%); display: inline-block; content: ''; height: 32px; width: 17px; position: absolute; left: -16px;} .limitedOfferLabel:after { background-image: linear-gradient(-65deg, transparent 50%, #ffe9e2 50%); display: inline-block; content: ''; height: 32px; width: 17px; position: absolute; right: -16px;} .specialPrice {font-size: 32px; font-weight: 800;} .offer_details {font-size: 18px; font-weight: 500; margin-bottom: 20px;} .offer_subdetails {font-size: 16px; font-weight: 400; line-height: 19.5px; margin-top: 16px;} .paywall_login, .paywall_login_ftr {font-size: 18px;} .paywall_login_ftr {margin-top: 24px} .paywall_login span, .paywall_login_ftr span {color: #ed193b;cursor: pointer;text-decoration: underline} </style><div data-ga-category="Subscription Flow" data-paywall="true" data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="brd_wrap generic_blocker_new_v2 hidden"><span class="limitedOfferLabel hide"></span><div class="paywall_login hidden">Already a Member? <span class="sign-in_btn">Sign In now</span></div><h3 class="paywall_msg"></h3><h3 class="bp_subheading">Unlock this story and enjoy all members-only benefits.</h3><p class="offer_details"></p><button data-ga-onclick="Subscription Flow ET#SYFT | Flow Started#Articleshow box CTA wBenefit" class="subscribe_btn">Subscribe Now</button><p class="offer_subdetails"></p><div class="paywall_login_ftr hidden">Already a Member? <span class="sign-in_btn">Sign In now</span></div><div class="campign_sec skip_inswg" style="background-color: #FFF0EC"><img class="lazy thumb_lft"><img class="lazy thumb_rgt"><div data-set="0" class="dyn_pricing_item hidden" data-minrange="0" data-maxrange="0.499999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Save up to Rs. 700/-</p><p class="desc">ON ET PRIME MEMBERSHIP</p><a class="plans_btn">Avail Offer</a></div><div data-set="1" class="dyn_pricing_item hidden" data-minrange="0.5" data-maxrange="0.59999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get 1 Year Free</p><p class="desc">With 1 and 2-Year ET prime membership</p><a class="plans_btn">Avail Offer</a></div><div data-set="2" class="dyn_pricing_item hidden" data-minrange="0.6" data-maxrange="0.69999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get 1 Year Free</p><p class="desc">With 1 and 2-Year ET prime membership</p><a class="plans_btn">Avail Offer</a></div><div data-set="3" class="dyn_pricing_item hidden" data-minrange="0.7" data-maxrange="0.79999999"><p class="heading">Offer Exclusively For You</p><p class="subheading">Get Flat 40% Off</p><p class="desc">Then ₹ 1749 for 1 year</p><a class="plans_btn">Avail Offer</a></div><div data-set="4" class="dyn_pricing_item hidden" data-minrange="0.8" data-maxrange="1"><p class="heading">Offer Exclusively For You</p><p class="subheading">ET Prime at ₹ 49 for 1 month</p><p class="desc">Then ₹ 1749 for 1 year</p><a class="plans_btn">Avail Offer</a></div><div data-set="5" class="dyn_pricing_item hidden"><p class="heading">Special Offer</p><p class="subheading">Get flat 35% off on ETPrime</p><p class="desc"></p><a class="plans_btn">Avail Offer</a></div><div data-set="6" class="dyn_pricing_item hidden"><p class="heading"></p><p class="subheading"></p><p class="desc"></p><a class="plans_btn">Avail Offer</a></div><div class="stu_of"><a class="plans_btn" style="border: 0px; font-size: 18px; font-weight: 400; text-decoration: underline;"></a></div></div></div><style> .paywall_box:has(.trial_paywall_ab:not(.hidden)) {background: #ffe9e2; padding: 30px 0 1px;} .paywall_b:has(.trial_paywall_ab:not(.hidden)) {width: 70%; box-shadow: none; border: 10px solid #fff; margin: 0 auto 16px;} .trial_paywall_ab {font-family: Montserrat; text-align: center; padding: 30px 30px 0 30px; background: #fff;} .etarticles_blocker_trial_caption {font-size: 20px; font-weight: 400; line-height: 26px; } .etarticles_blocker_trial_header {font-family: Faustina; font-size: 48px; font-weight: 700; line-height: 55px; width: 700px; margin: 16px auto;} .etarticles_blocker_trial_contentbox {display: flex; align-items: center; justify-content: center;} .etarticles_blocker_trial_image { width: 560px; height: 377px;} .etarticles_blocker_trial_infotext {font-size: 24px; font-weight: 500; line-height: 34px;} .etarticles_blocker_trial_originalPrice {font-size: 32px; font-weight: 400; line-height: 40px; opacity: 50%} .etarticles_blocker_trial_salePrice {font-family: Faustina; font-size: 110px; font-weight: 700; line-height: 139px;} .etarticles_blocker_trial_disclaimer {font-size: 16px; font-weight: 400; line-height: 21px; opacity: 60%;margin: 10px auto; width: 320px;} .trial_cta {min-width: 283px; height: 55px; border-radius: 5px; background: #ed193b; color: #fff;font-size: 25px; font-weight: 700; font-family: 'Montserrat'; cursor: pointer; padding: 0 16px} .salePriceSymbol {font-size: 32px; margin-left: 8px;} .paywall_login {text-align: center;} .rhs_trialbox {width: 450px} </style><div data-grx-impression="Subscription Flow ET Articleshow Blocker#Scroll Blocker Impression#Blocker layer Viewed" class="trial_paywall_ab hidden"><p class="etarticles_blocker_trial_caption"></p><p class="etarticles_blocker_trial_header"></p><div class="etarticles_blocker_trial_contentbox"><img class="etarticles_blocker_trial_image"><div class="rhs_trialbox"><p class="etarticles_blocker_trial_infotext"></p><p><strike class="etarticles_blocker_trial_originalPrice"></strike><span><span class="salePriceSymbol">₹</span><span class="etarticles_blocker_trial_salePrice"></span></span><button data-ga-onclick="Subscription Flow ET#SYFT | Flow Started#Articleshow box CTA wBenefit" class="trial_cta"></button><p class="etarticles_blocker_trial_disclaimer"></p></p></div></div></div><style> .ipadapp_blocker {border: 10px solid #FFE9E2; padding: 33px; position: relative;} .ipad_title {font-size: 30px; padding-bottom: 10px; font-weight: 600;} .ipadapp_btn {font-size: 20px; color: #ffffff; font-weight: 500; background-color: #ed193b; display: inline-block; cursor: pointer; padding: 11px 30px; min-width: 150px; min-height: 24px; margin: 20px; text-decoration: none;} .ipadapp_btn:hover {text-decoration: none;} </style><div class="ipadapp_blocker hidden"><p class="ipad_title">90 Days Prime access worth Rs999 unlocked for you</p><a class="ipadapp_btn">Claim Now</a><div class="paywall_login">Already a Member? <span class="sign-in_btn">Sign In now</span></div></div></div></div><script> var isPaywallMoved = 0; // ET-17548 function storyCollectionLoad() { var _processNormal = function () { $('#paidSCWidget').attr('data-onload', '').removeClass('load_done').html(''); objLazyWidget.init(); } var bucketPercent = window.objVc && parseInt(objVc.missedStoryPercent) || 0; objCommon.forRandomUsers(bucketPercent, function () { try { var threshold = objVc.missedStoryDays || 7, minStoryCount = objVc.missedStoryMinCount || 0, gaLabel = objSec.secNames[objSec.secNames.length - 1]; var listStr = '', now = new Date(), thresholdDate = now.addDays(-1 * threshold); $.jStorage.index().filter(function(key) { return key.indexOf('et_primearticlelist') != -1}).forEach(function (key) { var dtStr = key.substr(20, 4) + '/' + key.substr(24, 2) + '/' + key.substr(26, 2) + " 23:59:59", dtObj = new Date(dtStr); if(dtObj > thresholdDate) { listStr += (listStr ? ',' : '') + $.jStorage.get(key).join(',') } }); function onlyUnique(value, index, self) { return self.indexOf(value) === index;} var listArr = listStr.split(',').filter(onlyUnique).reverse(); if(window.msid) {listArr.remove(msid+''); listArr.remove(parseInt(msid))}; console.log('listArr', listArr); // listArr =listArr.slice(0, minStoryCount); if(listArr.length >= minStoryCount) { listStr = listArr.join(','); $.ajax({ url: '/getalldetails_feed.cms?feedtype=etjson&platform=web', data: {ids: listStr}, success: function (data) { var listing = ''; if(data.Item) { data.Item.forEach(function (artNode, i) { var conttype = artNode.isPrime == "true" || artNode.hostid == 318 ? '100' : ''; var sectionName = artNode.sectionName || '-'; var clickEvent = 'Story Collection on Paywall - Click_Missed paid articles#' + sectionName + '#' + (i+1) + ' - href'; listing += '<li class="stry_item"><span class="title_block" title="' + artNode.hl + '" data-ga-onclick="' + clickEvent + '" href="' + artNode.ga + '" data-conttype="' + artNode.ga + '"><img title="' + artNode.hl + '" alt="' + artNode.hl + '" height="177" width="236" src="' + artNode.im + '"></span><div class="content"><a title="' + artNode.hl + '" data-ga-onclick="' + clickEvent + '" href="' + artNode.ga + '" class="stry_title font_faus" data-conttype="' + conttype + '" data-hostid="' + artNode.hostid + '">' + artNode.hl + '</a></div></li>'; }); } if(listing) { var h3 = "You tried reading " + listArr.length + " locked stories in the past " + threshold + " days.", h4 = "Become an ET Prime member and don't miss out on these exclusive stories."; var html = '<div data-ga-impression="Story Collection on Paywall - Impression_Missed paid articles#Story Collection on Paywall - Impression_Missed paid articles#url" id="paywallStoriesSlider_freeArt"><div class="prel"><h3 class="section_heading" style="margin-bottom: 10px;">' + h3 + '</h3><h4 class="section_heading2" style="font-size:24px;text-align: center;margin-bottom: 10px;font-weight: 500;">' + h4 + '</h4><div class="slider_listing_sc"><div class="overh"><div><ul class="listing_wrapper">' + listing + '</ul></div></div><div class="nextprev-btn"><span class="prev-btn leftarw abicon_sprite disable"></span><span class="next-btn rightarw abicon_sprite"></span></div><div class="ts-dots flt hide"></div></div></div></div>'; $('#paidSCWidget').html(html); var callback = $('#paidSCWidget').attr('data-callback'); if(callback && window[callback]) { window[callback](); } customDimension.dimension72 += ' | Shown SYFT no Trial_With Missed Paywalled Articles Collection'; } else { _processNormal() } } }); } else { _processNormal(); } } catch (e) { _processNormal(); } }, function () { _processNormal(); }); //console.log('storyCollectionLoad', $); } </script><div id="missedStoriesWidget"></div><div id="newArticleBlocker"></div><div id="benifitsSection"><div class="f_list"><h3 class="tac normal"><span class="prel">Why <span class="cSprite ePrime"></span>?</span></h3><ul></ul></div></div></section></div><div class="shadow_exitdlg"><div class="exitdlg_wrapper"><span class="close_btn"></span><p class="heading">Stories you might be interested in</p><ul></ul><div class="footer_nwsltr"><div class="flt"><span class="hdr_label">Subscribe to our</span><span class="subhdr_label">ET Investment Opportunities</span></div><div class="flr"><input placeholder="Enter your email id here" class="input_nwsltr" type="text"><button class="submit_btn" type="button">SUBMIT</button></div></div></div></div><script onerror="errorLogs(this)" src="https://economictimes.indiatimes.com/js_ettechpoll/v-5,minify-3.cms" type="text/javascript" defer></script><script> if(window.location.href.indexOf('.com/articleshow/') != -1){ grxEvent('event', {'event_category': 'articleshow', 'event_action': 'url_issue referrer: ' + document.referrer, 'event_label': window.location.href}); } </script></body></html>