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200+ guides on credit cards, loans, insurance, and investing in India.

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Loans6 min
SBI Personal Loan Interest Rate 2026: Schemes, Eligibility & How to Get the Best Rate
SBI personal loan interest rates in 2026 start at 10.00% p.a. Learn about all loan schemes, eligibility, processing fees, and tips to get the lowest rate.
By Prasanth Agarwal · 7 July 2026
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Loans6 min
HDFC Personal Loan Review 2026: Interest Rates, Eligibility & Is It Worth It?
HDFC Bank offers personal loans from ₹25,000 to ₹50 lakh at rates starting 9.99% p.a. with 10-second disbursal for pre-approved customers. Here's our full 2026 review.
By Prasanth Agarwal · 5 July 2026
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Loans1 min
How to Prepay a Personal Loan — Save Lakhs of Interest in 2026
Personal loan prepayment in India 2026 — full vs partial, fixed vs floating rate rules, the foreclosure-fee map, and the timing math that maximises savings.
By Prasanth Agarwal · 22 May 2026
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Loans1 min
Car Loan vs Paying Cash — When Each Makes Sense in 2026
Should you take a car loan or pay cash? The opportunity-cost math, FD vs car-loan rate gap, and three scenarios where each option wins in 2026.
By Prasanth Agarwal · 20 May 2026
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Loans1 min
Tax Benefits on Home Loan — Section 80C, 24(b), 80EEA Explained
Home loan tax benefits in India 2026 — Section 80C principal deduction, Section 24(b) interest deduction, Section 80EEA additional benefit. Old vs new regime.
By Prasanth Agarwal · 18 May 2026
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Loans1 min
Loan Against FD vs Personal Loan — Which is Better?
Loan against FD vs personal loan in 2026 — rate gap, processing fee, eligibility, the FD-break breakeven, and which to pick by use case.
By Prasanth Agarwal · 12 May 2026
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Loans1 min
Gold Loan in India — When It Makes Sense & When to Avoid It
Gold loan playbook for 2026 — the four scenarios where it's the cheapest credit available in India, and the two where it's a trap. Plus top lenders.
By Prasanth Agarwal · 7 May 2026
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Loans4 min
EMI Bounce Charges in India — What Happens & How to Avoid Them
EMI bounce charges across major Indian banks and NBFCs in 2026. The cascading penalties, CIBIL impact, and 5 ways to recover from a missed EMI.
By Prasanth Agarwal · 5 May 2026
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Loans4 min
What Is Processing Fee on Loans — and Can You Negotiate It?
Loan processing fees in India: what they cover, typical ranges by loan type, when they're negotiable, and 5 scripts that reliably get the fee waived.
By Prasanth Agarwal · 4 May 2026
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Loans4 min
Bajaj Finance vs HDFC Personal Loan — Which is Cheaper in 2026?
Bajaj Finance vs HDFC Bank personal loan in 2026 — rate band, processing fees, eligibility, disbursal time, and total cost on a ₹5L / 3-year scenario.
By Prasanth Agarwal · 1 May 2026
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Loans4 min
SBI Home Loan vs HDFC Home Loan — Rate, Fees & Total Cost in 2026
SBI vs HDFC home loan in 2026 — interest rate gap, processing fees, disbursal speed, prepayment, and total cost on a ₹50L / 20-year scenario.
By Prasanth Agarwal · 30 April 2026
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Loans4 min
Car Loan for ₹25,000 Salary — Eligibility, EMI & Best Banks
A ₹25,000 monthly salary supports a ~₹4-5 lakh car loan in 2026. Full FOIR math, EMI tables, top 4 lenders, and how to maximise your sanction.
By Prasanth Agarwal · 26 April 2026
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