Loans and Credit
Understanding Loan Interest Rates
How loan interest works in India: fixed vs floating, repo-linked rates, flat vs reducing balance, EMI maths, APR and the Key Fact Statement.
· 7 min read
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6 results for “interest rates”
Banking
Savings Account vs Fixed Deposit: Which Should You Use, and When?
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
Tax and GST
Basics of Income Tax in India
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Personal Finance
Common Personal Finance Mistakes and How to Avoid Them
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 min read
Investment Education
How Inflation Affects Your Savings
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read
Mutual Funds
Understanding SIP and Mutual Fund Investing
A beginner's guide to mutual funds and SIPs in India: NAV, fund categories, direct vs regular plans, costs, risks, rupee cost averaging and tax.
· 8 min read