Your borrowing options ; With personal loans all but drying up, here are a few ways to overcome your income-expense mismatch.

When Navin Daniel set out to take a personal loan of Rs 25 lakhabout seven weeks ago, the private sector bank where he usuallybanked his salary seemed eager to take up his business. Soon afterDaniel filed the application, his bankers assured him they wouldrelease his loan "within a few days . But about two weeks into thedeal, his bankers called up and said they could provide only Rs 8lakh, which would again take a few days more.

After two more weeks, his bankers brought down the amount to Rs 4lakh. Three more weeks later, Daniel is still awaiting his personalloan. When Daniel contacted his bank lately, they turned around andrefused a loan. Now, the marketing professional …