Financial Literacy Hub

Gold never goes out of style in India. But in 2025, how we buy it has changed. With digital gold gaining popularity, Indians are asking — should I go digital or stick to physical gold? Why This Question Matters Now India imported over 800 tonnes of gold in 2024, and digital gold sales saw a […]

Buy Now Pay Later consumer finance India 2025 is transforming how Indians shop online and offline. This emerging payment method offers instant credit at checkout, giving consumers flexibility without high interest rates. Why BNPL Matters Today India’s BNPL market grew 4× in 2024, reaching ₹50,000 crore in transaction value. Experts predict another 3× jump by […]

Buying a car is easier today thanks to flexible auto loans. But getting approved depends on whether you meet the lender’s eligibility criteria. This article breaks down the key factors lenders consider and how you can improve your chances. Why Car Loan Eligibility Matters Each lender has its own checklist. Meeting these criteria increases your […]

Home Loan Interest Rates 2025: How to Choose the Best Bank Home loan rates in mid-2025 have climbed to between 8.35% and 9.50%. Choosing the right lender now can save you lakhs over a 20-year repayment. Data-Driven Overview As of June 2025, the Reserve Bank of India’s repo rate stands at 6.50%, up from 6.25% […]

Buying your first home is exciting but can feel daunting. This guide simplifies the home loan for first-time buyers process in India, so you know exactly what to expect.  Home Loan for First-Time Buyers 1. Understand the Home Loan Market In 2025, 52% of first-time homebuyers in India opted for loans, with an average interest […]

Your CIBIL score directly affects the rate and approval of your home loan. In this guide, you’ll learn how to improve yourCIBIL score for home loan applications and unlock lower interest rates. Why CIBIL Score Matters Banks often treat a score below 700 as high-risk. Nearly 46% of low-score applicants face outright rejection or steep […]

Home Loan EMI calculation is essential for anyone planning to buy a home. Understanding how it works and ways to lower interest payments can save you significant amounts over time. What Exactly is a Home Loan EMI? EMI stands for Equated Monthly Instalment. It’s the fixed monthly payment you make to repay your home loan. […]