Loan literacy, without the jargon.
In-depth guides on EMI math, prepayment strategy, FOIR, fixed vs floating rates, education loan moratoriums and Indian tax benefits — with worked examples in every article.
Basics
4 articlesEMI Explained: How Your Monthly Payment Actually Works
The math behind every EMI, why early payments are interest-heavy, and how the reducing balance method really works.
Fixed vs Floating Interest Rates in India: Which Should You Choose?
How floating rates actually move, why fixed rates cost a premium, and how to decide for your own home loan.
FOIR Explained: How Banks Decide How Much to Lend You
The single most important number in Indian loan underwriting — how it's computed and five ways to improve yours.
How to Calculate Home Loan EMI: Formula, Excel and a Worked Example
The EMI formula written out in plain steps, the Excel PMT version, a full ₹30 lakh worked example and the three inputs people get wrong.
Prepayment & Strategy
3 articlesShould You Reduce EMI or Reduce Tenure After a Prepayment?
After a lump-sum prepayment, most people don't realise they get a choice. Here's the real math behind both options.
Balance Transfer: When Switching Lenders Actually Saves Money
The rule of thumb, the fees most people miss, and the retention conversation that can save you the whole switch.
What Happens If You Prepay Your Home Loan?
Step by step: what the bank does with your prepayment, how much interest it really saves, and the charges, tax and credit-score side effects.
Loan Type Deep Dive
3 articlesThe Real Cost of a Personal Loan: Processing Fees, GST and Effective Rate
The advertised rate isn't the real cost. How processing fees, GST and foreclosure charges shape the true price of a personal loan.
Education Loan Moratorium: Should You Pay Interest During Your Studies?
Three ways to handle moratorium interest, and the lakh-scale difference each choice makes over the life of the loan.
Pre-EMI vs Full EMI: Which Should You Choose for an Under-Construction Home?
What each option costs during a 3-year construction window, how Section 24(b) treats the two, and who should pick which.
Tax
1 articleSection 80C, 24(b) and 80E: Tax Benefits on Every Type of Loan
Every loan-related tax deduction in India, with limits, worked examples and what car and personal loans actually qualify for.