Loans & Debt Management

An original study of eight Indian credit cards from seven issuers, using only figures each bank publishes itself. The illustrations consistently sit just inside caps the headlines never mention.

Credit cards charge 36-42% interest. Personal loans charge 10-18%. The math is clear — but the real story is more nuanced. Here's the complete comparison.

60% of BNPL users spend more than they can afford. Late fees can hit 30-40% interest. Here's how Buy Now Pay Later apps are trapping young Indians in invisible debt.

Oil at $113, inflation rising, RBI rate cuts on hold. If you have a floating-rate home or car loan, your EMI could increase soon. Here's how to prepare.

Paying too much interest on your home loan? A balance transfer to a lower-rate bank can save ₹5-15 lakh. Here's the complete process, costs, and when it's worth it.

Drowning in multiple debts? The snowball method gives quick wins, the avalanche method saves more money. Here's how each works — with Indian examples.

Need a large loan at low interest? A Loan Against Property (LAP) offers rates as low as 8.5% — cheaper than personal loans. But you're putting your property on the line.

Planning to buy a car on loan? Everything you need to know about car loan interest rates, new vs used car financing, EMI planning, and the mistakes most buyers make.

Drowning in multiple EMIs? A debt consolidation loan combines all your debts into one. But it's not always the smart move. Here's when it helps — and when it's a trap.

Paying too much on your home loan EMI? Here are 7 practical strategies — from balance transfers to prepayments — that can save you lakhs in interest.

From January 1, 2026, banks and NBFCs cannot charge prepayment fees on floating-rate loans to individuals. Here's how to use this rule to save lakhs on your home loan.

Planning higher education in India or abroad? Education loans start from 6.85% with repayment only after your course ends. Here is everything you need to know — from collateral-free options to tax benefits and the best banks to apply to.