1. 1

   How personal loan interest is calculated: reducing balance vs flat rate

   Why a flat interest rate costs far more than the same reducing-balance rate, with a worked example, and how to compare loan offers fairly.

   6 min readRead guide →
2. 2

   Home loan basics: fixed vs floating rate, tenure and EMI

   A first-time buyer's guide to home loans in India: how EMI works, fixed versus floating rates, how tenure changes the cost, and what else you pay.

   7 min readRead guide →
3. 3

   Should you prepay your loan or invest the money instead?

   How to decide between prepaying a loan and investing the money, by comparing the loan rate with your after-tax return and considering risk and liquidity.

   5 min readRead guide →
4. 4

   Home loan balance transfer: when switching lenders pays off

   How a home loan balance transfer works, the costs of switching, how to work out whether it saves money, and the alternative of renegotiating with your lender.

   5 min readRead guide →
5. 5

   Secured vs unsecured loans: what is the difference?

   What secured and unsecured loans are, how they differ in rate, limit and risk, and how to choose between a home, gold, deposit-backed or personal loan.

   5 min readRead guide →
6. 6

   Getting a loan with a low credit score: what to expect and what to avoid

   Options for borrowing in India with a low CIBIL score, how to lower the cost, and the warning signs of predatory lenders and loan apps.

   6 min readRead guide →
7. 7

   PM Mudra Yojana: who qualifies and how to apply

   How the PM Mudra Yojana collateral-free business loans work in India: the Shishu, Kishore and Tarun categories, who can apply, and how to apply.

   5 min readRead guide →
8. 8

   How to read a loan offer: rate, processing fee, APR and the fine print

   How to compare loan offers properly in India: the interest rate type, processing fee, the Key Fact Statement and APR, insurance add-ons, prepayment terms and the questions to ask before you sign.

   8 min readRead guide →
9. 9

   Gold loan vs personal loan: rates, risks and when each makes sense

   How a gold loan and a personal loan compare on cost, speed, eligibility, repayment options and risk, with a worked example and the questions to ask before pledging gold.

   7 min readRead guide →

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