New Delhi, 16th October 2025: As the festive season lights up homes across India, Credgenics, the country’s leading AI powered debt collections and resolution platform, has rolled out a witty message wrapped in festive sparkle, the “Diwali Stress-Free Credit Management Kit.” The campaign swaps calories for clarity and Soan Papdi for smarter spending – encouraging everyone to celebrate with joy minus the financial mismanagement induced stress.

Before you start the perennial exchange cycle for gifts and mithai boxes, Credgenics suggests passing around something far more valuable – a dose of smarter financial wisdom. First unveiled on social media, the campaign takes a fun yet practical approach to help people enjoy Diwali without lighting up their credit cards.

The Credgenics Diwali Survival Kit offers a few golden rules for guilt-free celebrations:

1. Light up your savings, not your credit card: Set aside a festive fund to cover gifts and get-togethers. Your post-Diwali self will thank you when the credit card bill doesn’t burn brighter than the diyas.
2. Be careful with Buy Now, Cry Later: BNPL may sound magical, but unpaid bills can quickly turn into fireworks of stress. Always check repayment dates and your capacity to repay before you swipe or tap.
3. Turn gifting into investing: Trade short-lived gifts for long-term ones – digital gold, SIPs, or mutual fund vouchers. Gifts that actually grow in value and are cherished.
4. Avoid the EMI Explosion: Not every festive deal is a steal. Ask yourself – is it a need, want, or just a Diwali impulse?
5. Make budgeting a family ritual: Turn money management into a family game. Let everyone pitch in, including the kids. It’s a great way to spread financial awareness at home.

Anand Agrawal, Co-founder and CPTO of Credgenics said, “Diwali is all about new beginnings, so why not begin with our finances? We wanted to keep it lighthearted yet meaningful – a reminder that managing money smartly can be as festive and joyous as lighting diyas. It’s the perfect time to reflect, reset, and rebuild, not just our homes but also our financial health. When people start treating financial discipline as a celebration and not a chore, it becomes easier to enjoy the season without the post-festival stress”.

The campaign is a reminder that financial well-being doesn’t need to come wrapped in jargon. Sometimes, the sweetest gifts come with practical wisdom. And this Diwali, Credgenics is proving that managing your funds efficiently can be just as delightful as the festival itself.