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Guides to credit, borrowing and money in India, written to be understood rather than to rank.
21 guides live · more being written
Financial safety: spot scams and protect your money
Fake loan apps, “pay a fee first” loans, fake KYC messages and OTP requests: the red flags, what never to share, and where to report fraud. Published 25 September 2026
Fixed deposit returns: the real maturity math
The quoted FD rate is not the return you earn. How compounding frequency, effective yield and your tax slab turn an advertised rate into what actually reaches your account. Published 10 September 2026
Recurring deposit vs SIP: the real difference
Same ₹5,000 a month, two very different outcomes. The RD and SIP formulas worked side by side, and why almost the entire gap comes down to one assumed number. Published 10 September 2026
DSCR explained: how lenders read a business loan application
DSCR decides more business loan applications than any other number. What it measures, where EBITDA misleads, and why tenure is the lever borrowers miss. Published 10 September 2026
Personal loan prepayment: charges, savings and when it makes sense
Most personal loans carry a real foreclosure charge, unlike floating-rate home loans. When prepaying still saves money once that charge and GST are counted. Published 8 September 2026
Home loan prepayment: how much interest can you actually save?
A ₹5 lakh prepayment on a ₹30 lakh loan can save over ₹15 lakh in interest — but only with the right option. The exact math, and the RBI rule that makes it free. Published 8 September 2026
Credit card EMI: how it works, what it costs, and when to avoid it
A processing fee and GST sit under every EMI conversion, even "no-cost" ones. The real numbers, worked through. Published 8 September 2026
How much loan or EMI can you get on a ₹50,000 salary?
Personal loan, home loan and car loan estimates on the same salary, and why existing EMIs change the number more than the salary itself. Published 6 September 2026
Best credit cards for ₹50,000 salary in India
₹50,000 does not guarantee approval on any card. What issuers actually publish, fees for 8 real cards, and how to compare before applying. Published 5 September 2026
Best lifetime free credit cards in India
Genuinely ₹0 forever, not fee-waived-on-spend. The real options, the popular cards that don't actually qualify, and which fits which need. Published 5 September 2026
How to improve your CIBIL score in India
No score can be repaired or erased for a fee. What actually moves the number, realistic timelines, and how to dispute genuine errors for free. Published 5 September 2026
How SIP returns are actually calculated
The compounding math behind every SIP calculator, why the assumed return does almost all the work, and what step-up SIPs and starting early actually do to the number. Published 4 September 2026
Home loan eligibility in India: the full picture
Income, FOIR, credit score, tenure, employment type and co-applicants all feed into eligibility — how each piece fits together, with worked examples. Published 4 September 2026
What credit score do you need for a home loan?
No regulatory minimum exists, and no score guarantees approval. What lenders actually look for, and how to strengthen a thin or damaged file. Published 4 September 2026
FOIR explained: how Indian banks calculate your loan eligibility
FOIR is the ratio Indian lenders use to decide how much you can borrow. How it is calculated, what counts as an obligation, and why every bank gives you a different answer. Published 2 September 2026
How much EMI can you actually afford?
Not "30% of salary" — the FOIR-based method Indian lenders actually use, worked through with real numbers. Published 4 September 2026
How much home loan can I get on ₹50,000 salary?
The two checks every lender applies — income capacity and Loan-to-Value — worked out exactly, with a table for other income levels. Published 4 September 2026
Settled vs closed in your CIBIL report
A settlement ends the debt but leaves the account marked “settled”. What RBI actually requires, what lenders read, and how to get it updated.
The real cost of paying only the minimum due
A ₹50,000 balance at the minimum due can take almost 17 years and cost more than the balance itself. The exact math, and how to escape it. Published 4 September 2026
Is a balance transfer worth it? The break-even math
A transfer saves the interest you avoid and costs a fee to move. The break-even calculation, two worked examples, and when transferring is the wrong move. Published 15 September 2026
Where can you check your credit score free in India?
You are entitled to four free credit reports a year, one from each bureau. How to claim them, and what the free score apps are actually selling. Published 2 September 2026
Coming next
How to build your CIBIL score, and five things that genuinely improve it.
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