Guides & Articles

Practical, honest explainers on tax, loans, savings and property in India — each paired with a free calculator so you can run your own numbers.

Home loans

Should You Transfer Your Home Loan to Another Bank?

A balance transfer moves your outstanding home loan to a new lender at a lower interest rate. It's usually worth doing when the new rate is at least 0.5–0.75% lower,

02 Aug 2026 Property

Rent vs Buy a Home in India: How to Actually Decide

Comparing rent to your EMI is the wrong comparison — it leaves out most of the real cost. Buying also brings stamp duty, registration, maintenance, property tax and

02 Aug 2026 Loans

Gold Loan vs Personal Loan: Which Should You Choose?

If you own gold you're willing to pledge, a gold loan is almost always cheaper and faster than a personal loan — it's secured, so rates run roughly 8–18% against 10–

02 Aug 2026 Tax

How GST Is Calculated: CGST, SGST & IGST Explained

GST is simpler than it looks. To add GST, you multiply the amount by the rate — 18% on ₹10,000 is ₹1,800, so the total is ₹11,800. The only twist is which GST applie

26 Jul 2026 Loans

Flat vs Reducing Interest Rate: Why a "Low" Flat Rate Costs More

If a lender quotes you a "flat" interest rate, treat it with suspicion — it almost always costs far more than the same number on a reducing-balance basis. A flat rat

26 Jul 2026 Loans

Credit Card EMI vs Personal Loan: Which Is Cheaper?

The quick answer: for a small purchase you'll clear quickly, a credit card EMI is convenient and fine. For a larger amount or a longer tenure, a personal loan is usu

26 Jul 2026 Investing

PPF vs Sukanya Samriddhi: Which Is Better for Your Daughter?

If you're saving specifically for a daughter, Sukanya Samriddhi (SSY) usually wins — it pays a higher interest rate than PPF and is just as tax-free. If you want fle

19 Jul 2026 Home loans

How Much Home Loan Can I Get on My Salary?

Banks don't lend against your salary directly — they lend against how much EMI your salary can comfortably carry. The rule they use is the FOIR: your total monthly E

19 Jul 2026 Salary & tax

How Is Gratuity Calculated in India?

Gratuity is a lump sum your employer pays you for long service. For employees covered by the Payment of Gratuity Act, the formula is (last drawn basic + DA) × 15/26

19 Jul 2026 Investing

SIP vs FD: Where Should You Put Your Money?

Use an FD for safety and short goals, and a SIP for growth over the long term. A fixed deposit gives you a guaranteed return of around 6.5–7.5% with no risk to your

17 Jul 2026 Home loans

Reduce EMI or Reduce Tenure When Prepaying a Home Loan?

When you make a prepayment on your home loan, you're usually offered two choices: lower your monthly EMI, or keep the EMI the same and shorten the loan's tenure. To

17 Jul 2026 Tax

Old vs New Tax Regime: Which Is Better for You? (FY 2025-26)

For most salaried people with modest deductions, the new regime is now the better choice — its slab rates are lower and a rebate makes tax nil up to ₹12 lakh of taxa

17 Jul 2026