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
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32 results for “interest rates”
Financial News and Updates
How to Read EPFO Interest Rate and PF Rule Announcements
How to read EPFO interest rate announcements and PF rule updates in India—official sources, what changes in your PF passbook, and what headlines often overstate.
· 4 min read
Financial News and Updates
How to Read Small Savings Interest Rate Revisions in India
How to read India’s quarterly small savings interest rate revisions for PPF, NSC and related schemes—official sources, what changes, and what does not.
· 5 min read
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
Credit Card Minimum Amount Due vs Total Amount Due in India: What Happens If You Pay Only the Minimum?
Learn the difference between minimum amount due and total amount due on credit cards in India, including interest, late fees and repayment tips.
· 9 min read
How a Sweep-In Facility Works in India
Understand sweep-in (auto-sweep) facilities in India: how excess savings can move into deposits, liquidity, interest and questions to ask your bank.
· 3 min read
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
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
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
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
How to Choose a Mutual Fund in India: 7 Checks Every Beginner Should Make
Learn how to choose a mutual fund in India by comparing goals, risk, costs, benchmarks, portfolio overlap and exit loads before investing.
· 7 min read
Tax Year vs Assessment Year in India: What's Changed from 1 April 2026?
Understand Tax Year vs Assessment Year in India after the Income-tax Act 2025. Learn FY 2025-26, AY 2026-27, Tax Year 2026-27 and the new rules.
· 12 min read
Co-Applicant vs Co-Borrower vs Guarantor: What's the Difference in India?
Understand the difference between co-applicant, co-borrower and guarantor in India. Learn their responsibilities, loan liability and credit score impact.
· 9 min read
What Is Drawdown in Investing? How to Understand Investment Losses in India
Learn what drawdown means in investing, how to calculate maximum drawdown,why losses need bigger recoveries, &how Indian investors can understand portfolio risk
· 7 min read
How to Save Money on Everyday Expenses in India: 15 Practical Ways That Actually Work
Learn 15 practical ways to save money on everyday expenses in India. Reduce grocery, electricity, shopping and transportation costs with simple daily habits.
· 12 min read
Income Tax vs GST in India: Rules, Differences, Registration and Filing Guide (2026)
Understand income tax vs GST in India, who must pay or register, tax rules, GST returns, filing basics and common compliance mistakes.
· 11 min read
How to Save Money on an Irregular Income in India: A Practical Step-by-Step Plan
Learn how to save money on an irregular income in India with a flexible budget, priority-based spending, emergency savings and a simple monthly plan.
· 9 min read
Before You Take a Loan in India: 9 Checks to Avoid Costly Borrowing Mistakes
Learn 9 important things to check before taking a loan in India, from total borrowing costs and EMIs to fees, penalties and repayment risks
· 8 min read
How to Choose the Right Savings Account in India: Fees, Minimum Balance and Hidden Charges
Learn how to choose the right savings account in India by comparing minimum balance rules, banking fees, ATM charges, digital services and deposit safety.
· 7 min read
Risk vs Return in Investing: What Beginners in India Should Know
Understand investment risk and return, learn how inflation and volatility affect your money, and discover how to assess investment choices in India.
· 4 min read
How to Dispute Errors on Your Credit Report in India
Learn how to check and dispute errors on your credit report in India, including wrong accounts, settled dues and RBI-linked free report rights.
· 3 min read
How to Read the Union Budget as an Indian Household
Learn how households can read India’s Union Budget: where to find official documents, which announcements matter for tax and daily life, and what to ignore.
· 2 min read
What Is TDS in India? How Tax Deducted at Source Works
TDS explained for individuals in India: how tax deducted at source works, where to verify it, and how credit generally appears when filing returns.
· 2 min read
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
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
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
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
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
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
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
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
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