Loans

Listen to this article Every home loan article talks about the repo rate. Fair enough — it matters. But there’s a second number sitting quietly next to it on your loan sanction letter. It decides just as much of your EMI as the repo rate does. And unlike the repo rate, this one is actually […]

Listen to this article Every financial system depends on one simple principle—money borrowed should eventually be repaid. Banks lend deposits collected from millions of individuals and businesses with the expectation that borrowers will honour their repayment commitments. But what happens when those loans turn bad? India’s banking sector has long grappled with Non-Performing Assets (NPAs), […]

Listen to this article A self-employed chartered accountant with a ₹70 lakh home loan parks ₹8 lakh in her OD account after a strong tax-filing season. Her tenure should have shrunk from 20 years to roughly 15. Instead, it keeps sliding back toward 18 — a festival expense here, an office upgrade there, and every […]

Listen to this article For many salaried individuals today, the month does not begin with salary credit notifications anymore. It begins with deductions. Home loan EMI. Car loan EMI. Personal loan EMI. Credit card dues. Before they even realize it, a significant portion of their income has already disappeared. And somewhere in the middle of […]

Listen to this article Buying a home is often described as a milestone—but financially, it’s a commitment that stretches across decades. Once the loan is in place, a practical dilemma emerges: Should you focus on closing your home loan quickly, or let it run its full course while you invest elsewhere? At first glance, the […]

Listen to this article For many Indian families, buying a house is more than a financial decision—it is deeply emotional. It represents stability. It signals success. For parents, it often feels like proof that their children are “settled.” For young professionals, it can feel like the next milestone after landing a decent salary package. And […]