Financial Literacy Hub

Credit card EMIs (Equated Monthly Installments) are a popular way for Indian consumers to split large purchases into smaller, manageable payments. This trend is growing fast—especially as more banks and online merchants offer instant “Pay by EMI” options on everything from gadgets to travel bookings. But are credit card EMIs always a smart choice? Let’s […]

Case Study: How Raj Saved ₹8,40,000 in Interest Using Smart Prepayment Strategy Raj Sharma, a 32-year-old software engineer from Pune, achieved what many Indian homeowners dream of—cutting his home loan interest by ₹8,40,000 through strategic prepayments. His journey offers practical lessons for anyone looking to reduce their loan burden home loan prepayment case study. Raj’s […]

The Reserve Bank of India has kept the repo rate steady at 5.50% , following a significant 50 basis points cut in June. This rate reduction is already benefiting millions of home loan borrowers across India with lower EMIs. Current Repo Rate and Its Impact on Your Wallet As of RBI repo rate stands at […]

Foreign Institutional Investors (FIIs) are making strategic bets on India’s growth story in 2025, with sectoral rotations revealing their confidence in specific industries. FII Flows Show Strong Momentum in Key Sectors Foreign investors pumped in ₹7,488.98 crore in June 2025, while domestic institutional investors significantly outpaced them with purchases worth ₹72,673.91 crore. This data reflects […]

Home loan interest rates directly affect your EMI burden and long-term financial planning. Choosing the right bank could save you lakhs over your loan tenure. In this guide, we break down the lowest home loan interest rates offered by top Indian banks in 2025, along with their eligibility, charges, and special offers. What Is the […]

Buying a car in 2025? Whether it’s your first hatchback or a new SUV, knowing your EMI helps you plan better. Here’s how to calculate your car loan EMI instantly — with tools, formulas, and real-world examples. What Is a Car Loan EMI? A Car Loan EMI (Equated Monthly Instalment) is the fixed monthly amount […]

Want to buy your dream home but confused about EMIs? In this guide, you’ll learn how to calculate your home loan EMI in just 1 minute—no math degree needed. What Is a Home Loan EMI? EMI stands for *Equated Monthly Instalment*. It is the fixed amount you pay every month to repay your home loan. […]

UPI has changed how Indians pay, from chaiwalas to corporates. But with so many apps, which one should you trust in 2025? Let’s compare the top UPI apps across safety, speed, cashback, and new features like UPI Credit. Why This Matters in 2025 UPI crossed 12 billion transactions in June 2025 alone, according to NPCI […]

Struggling to get a home loan because of a low credit score? Don’t worry — banks are still lending in 2025, if you know how to approach them smartly. 💡 What is a CIBIL Score and Why It Matters Your CIBIL score is a 3-digit number ranging from 300 to 900, representing your credit history […]