Loans

How banks decide how much home loan you get – income, existing EMIs, property value, age and credit score – with a worked example.

Paying only the minimum due avoids a late fee but not interest. See what it really costs and how to clear card debt faster.

Interest, principal, stamp duty and joint-loan benefits on a home loan, and what changes under the new tax regime.

The EMI formula explained with a ₹10 lakh example, why early EMIs are mostly interest, and how flat-rate loans hide a much higher cost.

Should spare money go to home loan prepayment or SIPs? Compare guaranteed interest saved with expected returns, tax, risk and liquidity.

What affects your CIBIL score and eight practical steps to raise it, from on-time payments and credit use to fixing report errors.