Tax and GST
Basics of Income Tax in India
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Rupee Ledger: Clear, practical money explainers for Indian readers
Featured explainer
How to Create a Monthly Budget in India
A step-by-step method that accounts for EMIs, family support, festivals and the other expenses generic budgeting advice tends to miss.
By Rupee Ledger Editorial Team · · 7 min read
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Personal Finance
Common Personal Finance Mistakes and How to Avoid Them
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 min read
Saving Money
Emergency Funds: How Much Should You Save?
How to size an emergency fund for your household in India, why three to six months is only a starting point, and where to keep the money safely.
· 6 min read
Loans and Credit
How Credit Scores Work in India
How credit scores work in India: the four credit bureaus, what affects your score, free annual reports, common myths and how to dispute errors.
· 7 min read
Investment Education
How Inflation Affects Your Savings
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read
Insurance Education
How to Compare Health Insurance Policies
Compare health insurance in India on the terms that decide payouts: room rent limits, co-payment, waiting periods, sub-limits and network hospitals.
· 8 min read
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- Personal Finance2 articlesBudgeting, goal planning and everyday money habits explained for Indian households.
- Banking2 articlesHow savings accounts, deposits, statements and digital payments work, and how to use them safely.
- Loans and Credit2 articlesCredit scores, interest rates, EMIs and borrowing decisions, explained without jargon.
- Saving Money1 articleEmergency funds, spending habits and practical ways to build savings steadily.
- Investment Education1 articleFoundational concepts such as risk, return, inflation and diversification, for learning rather than tips.
- Mutual Funds1 articleHow mutual funds, SIPs, NAVs and expense ratios work, with the risks explained alongside the benefits.
- Insurance Education1 articleUnderstanding health, life and general insurance terms so you can read a policy with confidence.
- Tax and GST1 articleIncome tax and GST basics for individuals. Rules change every year, so always confirm with official sources.
More in Banking
All Banking →How savings accounts, deposits, statements and digital payments work, and how to use them safely.
Banking
How to Read a Bank Statement
How to read an Indian bank statement: value date vs transaction date, codes like NEFT, IMPS, NACH and POS, and what to do about unknown debits.
· 7 min read
Banking
Savings Account vs Fixed Deposit: Which Should You Use, and When?
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
More in Loans and Credit
All Loans & Credit →Credit scores, interest rates, EMIs and borrowing decisions, explained without jargon.
Loans and Credit
Understanding Loan Interest Rates
How loan interest works in India: fixed vs floating, repo-linked rates, flat vs reducing balance, EMI maths, APR and the Key Fact Statement.
· 7 min read
More in Mutual Funds
All Mutual Funds →How mutual funds, SIPs, NAVs and expense ratios work, with the risks explained alongside the benefits.
Mutual Funds
Understanding SIP and Mutual Fund Investing
A beginner's guide to mutual funds and SIPs in India: NAV, fund categories, direct vs regular plans, costs, risks, rupee cost averaging and tax.
· 8 min read
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We write educational explainers, not tips or personalised advice. Articles link to official sources such as the RBI, SEBI, IRDAI and the Income Tax Department, and we correct errors openly when we find them.