Top Places to Visit in North India & How to Fund Your Vacation with a Personal Loan

North India boasts breathtaking landscapes, a rich historical heritage, and vibrant cultural experiences. From the snow-capped peaks of the Himalayas to the iconic landmarks of Delhi and Amritsar, the region has something for every traveller. Whether you're planning an adventure trip, a spiritual retreat, or a heritage tour, exploring these destinations can be a truly enriching experience.

However, travel expenses can sometimes pose a challenge. A personal loan can help you finance your dream vacation without putting undue strain on your finances, allowing you to focus on creating unforgettable memories.

This article highlights the best places to visit in North India and provides tips on how to make the most of a personal loan for travel expenses.

Best Places to Visit in North India

• New Delhi, the Capital of India: A blend of culture, history, and modernity. Must-visit attractions include the Red Fort, India Gate, Jama Masjid, Qutub Minar, and Humayun’s Tomb.
• Jaipur, the Pink City: The capital of Rajasthan, famous for its royal heritage. Attractions include Hawa Mahal, Amber Fort, City Palace, and Jantar Mantar.
• Varanasi, the Spiritual Capital: One of the oldest cities in the world, situated on the banks of the sacred Ganga River. Key attractions include the Kashi Vishwanath Temple and the evening Ganga Aarti at Dashashwamedh Ghat.
• Amritsar, Home to the Golden Temple: Famous for the significant Sikh pilgrimage site. Other notable places include Jallianwala Bagh and the Wagah Border ceremony.
• Manali, a Snowy Retreat: A paradise for adventure enthusiasts, offering activities like skiing in Solang Valley, trekking to Rohtang Pass, and river rafting. Manali also serves as a gateway to Leh-Ladakh.
• Shimla, the Queen of Hills: A favoured summer retreat with its colonial charm and breathtaking views. Top attractions include Jakhoo Temple, The Ridge, and Mall Road.
• Leh-Ladakh, the Land of High Passes: Home to surreal landscapes, high-altitude lakes, and ancient monasteries. It is a dream destination for road trips and adventure enthusiasts.
• Rishikesh, the Yoga Capital of the World: A serene haven known for yoga retreats, meditation centres, and adventure activities like river rafting.
• Nainital, the Lake District: A charming hill town famous for the Naini Lake and picturesque surroundings. Key attractions include the Naina Devi Temple and Snow View Point.

How to Fund Your Vacation in North India with a Personal Loan?

Planning a trip to North India can be an unforgettable experience, but travel expenses – including transportation, accommodation, sightseeing, and activities – can add up quickly. A personal loan for travel can help you cover these costs without immediate financial strain.

With flexible repayment tenures ranging from 12 to 60 months, you can spread out the cost in manageable Equated Monthly Instalments (EMIs), making it easier to manage your budget. The best part? Personal loans are unsecured, meaning you don’t need to pledge valuable assets such as property or a car to obtain the funds you need.

Smart Tips for Managing a Personal Loan for Travel Wisely

Responsible financial management is key to ensuring that your trip remains stress-free, both during and after your travels. Here are some smart tips to manage your personal loan wisely:

• Borrow Only What You Need: Estimate your total travel expenses and apply for a loan amount that covers essential costs without unnecessary debt.
• Compare Multiple Lenders: Research different lenders to find interest rates, repayment tenures, and associated fees and charges (e.g., processing fees) that best suit your budget.
• Use a Personal Loan EMI Calculator: Before committing to a loan, use an EMI calculator to estimate your monthly instalments. Ensure that they fit comfortably within your budget without disrupting essential expenses or savings.
• Choose a Comfortable Loan Tenure: A shorter tenure results in higher EMIs but lower overall interest costs, whereas a longer tenure offers lower EMIs but increases the total interest paid. Select a tenure that balances monthly payment affordability with optimised interest costs.
• Use the Loan Amount Wisely: Prioritise essential travel expenses such as flights, accommodation, and activities that contribute to a fulfilling travel experience. Avoid using the loan for excessive shopping or luxury add-ons that could strain your finances later.
• Plan for Unexpected Expenses: Unexpected expenses, such as medical emergencies or last-minute itinerary changes, can arise. Set aside a portion of your loan amount as a contingency fund to avoid financial stress.

Final Thoughts

From historical landmarks to spiritual destinations, North India has a lot to offer. Whether you seek adventure, relaxation, or cultural exploration, there is something for every traveller. A personal loan can help make your dream trip a reality, allowing you to manage travel expenses without financial strain.

Ready to embark on your North India exploration? SMFG India Credit offers personal loans of up to INR 30 lakhs* with interest rates starting from 13%* per annum and a repayment tenure of up to 60 months*. Check your eligibility and apply online today!