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Loan awareness story video: a speaker shiva chandran explains the risks of borrowing ₹5 lakh, with illustrated scenes of a man facing missed EMI calls from the bank, loan notices piling up, his dream of a better life for his family, and a signed loan agreement. (shiva chandran, loan awareness, personal financeEMI stress, bank loan tips, financial literacy, money mistakes, borrowing advice, loan agreement, debt free, money mindset)