Personal Finance
CTC vs Take-Home Salary in India
How CTC differs from take-home salary in India: typical deductions, why in-hand is lower, and how to budget from the amount that actually arrives.
· 5 min read
FinanceBlogg: 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 FinanceBlogg Editorial Team · · 7 min read
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Mutual Funds
Direct vs Regular Mutual Fund Plans: What Changes, and What Does Not
How direct and regular mutual fund plans differ, why expense ratios compound, how to check which plan you hold, and what a regular plan’s commission pays for.
· 6 min read
Insurance Education
Health Insurance Waiting Periods and Exclusions
What waiting periods and exclusions mean in Indian health insurance, including PED waiting, initial waiting and claim-time surprises.
· 4 min read
Loans and Credit
How a Loan EMI Is Calculated
How a loan EMI is calculated in India, why early EMIs are mostly interest, and how tenure and rate change what you repay.
· 4 min read
Banking
How Bank Account Nomination Works in India
How nomination on Indian bank accounts works, what a nominee can do, how it differs from a will, and how to add or change a nominee.
· 5 min read
Loans and Credit
How Loan Prepayment and Foreclosure Work
What loan prepayment and foreclosure mean in India, how extra payments change interest, typical charges, and what to check in your sanction letter.
· 6 min read
Browse by topic
- Personal Finance4 articlesBudgeting, goal planning and everyday money habits explained for Indian households.
- Banking4 articlesHow savings accounts, deposits, statements and digital payments work, and how to use them safely.
- Loans and Credit4 articlesCredit scores, interest rates, EMIs and borrowing decisions, explained without jargon.
- Saving Money3 articlesEmergency funds, spending habits and practical ways to build savings steadily.
- Investment Education3 articlesFoundational concepts such as risk, return, inflation and diversification, for learning rather than tips.
- Mutual Funds3 articlesHow mutual funds, SIPs, NAVs and expense ratios work, with the risks explained alongside the benefits.
- Insurance Education3 articlesUnderstanding health, life and general insurance terms so you can read a policy with confidence.
- Tax and GST3 articlesIncome tax and GST basics for individuals. Rules change every year, so always confirm with official sources.
- Financial News and Updates2 articlesExplainers on regulatory changes and announcements, linked to the official source wherever possible.
More in Personal Finance
All Personal Finance →Budgeting, goal planning and everyday money habits explained for Indian households.
Personal Finance
How to Set Financial Goals in India
Turn vague money wishes into dated rupee amounts, with Indian examples for EMIs, school fees, festivals, emergency savings and retirement.
· 6 min read
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
More in Banking
All Banking →How savings accounts, deposits, statements and digital payments work, and how to use them safely.
Banking
What Deposit Insurance Covers in India
How DICGC deposit insurance works in India: the ₹5 lakh limit, what is covered, what is not, and how accounts are counted across branches.
· 5 min read
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
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
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 Saving Money
All Saving →Emergency funds, spending habits and practical ways to build savings steadily.
Saving Money
How Recurring Deposits Work
How a recurring deposit works in India, how interest is applied, how RDs differ from FDs and SIPs, and what to check on tenure, TDS and premature closure.
· 6 min read
Saving Money
How the Public Provident Fund Works in India
How the Public Provident Fund works in India: tenure, yearly limit, interest, withdrawals, tax treatment and who it suits.
· 5 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
More in Investment Education
All Investing →Foundational concepts such as risk, return, inflation and diversification, for learning rather than tips.
Investment Education
What Asset Allocation Means for Beginner Investors
What asset allocation means for beginners in India, how it differs from diversification, and how time horizon shapes the mix.
· 4 min read
Investment Education
What Diversification Means for Beginner Investors
What diversification means for beginners: spreading risk across assets, issuers and time, why similar funds do not diversify, and what diversification cannot do.
· 5 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
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
How to Read a Mutual Fund Factsheet
How to read a mutual fund factsheet in India: NAV, TER, portfolio, riskometer, exit load and what the numbers do not tell you.
· 4 min read
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
More in Insurance Education
All Insurance →Understanding health, life and general insurance terms so you can read a policy with confidence.
Insurance Education
How Term Life Insurance Works in India
How term life insurance works in India: what it pays, exclusions, sum assured and tenure, medical underwriting, nominees, and how a claim is filed.
· 6 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
More in Tax and GST
All Tax & GST →Income tax and GST basics for individuals. Rules change every year, so always confirm with official sources.
Tax and GST
How to Read Form 16
How to read Form 16 in India: Part A and Part B, TDS, exemptions, and how to match it with Form 26AS before filing.
· 4 min read
Tax and GST
How to Read Form 26AS and the Annual Information Statement
How to read Form 26AS and AIS in India: TDS credits, reported transactions, mismatches, and the checks to make before you file your income tax return.
· 6 min read
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
More in Financial News and Updates
All News & Updates →Explainers on regulatory changes and announcements, linked to the official source wherever possible.
Financial News and Updates
How to Read an RBI Monetary Policy Statement
How to read an RBI monetary policy statement: repo rate, stance, CPI target, what changes in EMIs and deposits, and how to ignore noise around the announcement.
· 6 min read
Financial News and Updates
How to Read India’s CPI Inflation Release
How to read India's CPI inflation release from MoSPI, what headline inflation means for your budget, and what the numbers do not decide.
· 4 min read
How we work
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.