FINANCIAL GUIDES
Guides
Plain-language explainers on saving, investing, and borrowing — each with worked examples and a calculator to try the numbers yourself.
Every guide pairs with a calculator so you can try the numbers yourself.
The Power of Compounding: How SIP Returns Actually Work
How a SIP compounds month after month, why starting early beats investing more, and how step-ups supercharge returns — with worked examples.FD vs SIP: Which Is Right for Your Goal?
Guaranteed returns versus market-linked growth, risk, taxation, and liquidity — plus how to choose between an FD and a SIP.Fixed-Rate vs Adjustable-Rate Mortgage: How to Choose
How fixed and adjustable-rate mortgages work, the risks of an ARM, and how to choose between them — with a worked example.Refinancing Your Mortgage: When It's Actually Worth It
The break-even test, what closing costs really are, the term-reset trap, and the cases where refinancing does and doesn't pay.Biweekly Mortgage Payments: How Much You Actually Save
What biweekly payments really save, the lender trap that cancels the benefit, and the free DIY alternative that does the same job.PPF Rules: Lock-in, Partial Withdrawal, and Loans
The 15-year lock-in, when partial withdrawals are allowed, loans against your PPF, extensions, and the EEE tax benefit.Snowball vs Avalanche: Paying Off Credit Card Debt
How each debt method works, which saves more interest, which keeps you motivated, and how to choose — with a worked example.CIBIL Score and Your Home Loan: How It Affects Your Rate
How your CIBIL score affects home loan approval, your interest rate, and how much you can borrow — the score bands, what moves the score, and how to improve it.How Much House Can You Really Afford (Beyond the DTI Number)
Qualifying for a mortgage and comfortably affording one are not the same thing — the real costs beyond DTI, and how to set a number you can live with.Gratuity Act Explained: Eligibility, Formula and the ₹20 Lakh Cap
The 5-year eligibility rule, the 15/26 formula, the rounding rule, the ₹20 lakh ceiling, and how gratuity is taxed — with a worked example.Flat Rate vs Reducing Balance Interest, Explained
Why a 10% flat-rate loan costs far more than a 10% reducing-balance loan, the rough conversion between them, and where each shows up.15-Year vs 30-Year Mortgage: Which Should You Choose?
The payment and total-interest trade-off, why 15-year rates are lower, and the "buy 30, pay like 15" strategy — with a worked example.PMI Explained: What It Costs and How to Avoid It
What private mortgage insurance is, why lenders require it under 20% down, what it costs, how to avoid it, and how to get it removed.Education Loan Moratorium Explained
How the repayment holiday works, how interest accrues, servicing vs capitalising, the rate concession worth asking for, and Section 80E.Personal Loan vs Credit Card for Emergency Expenses
When a personal loan beats a credit card for an emergency and when the card wins — rates, repayment and flexibility, with India and global notes.Home Loan vs Loan Against Property: Which Fits Your Need?
What each is for, the rate and LTV differences, tenure, tax benefits, and how to choose between buying with a home loan and borrowing against one.