Money guides
Plain-English explainers on how EMIs, interest, bills and budgets really work, with worked examples.
GuideAPR: The True Yearly Cost of a LoanWhat APR includes, how it is worked out, and what the RBI Key Facts Statement must show.GuideFD vs RD vs SIP: How They Differ and What the Numbers ShowSafety, returns, liquidity and tax of FDs, RDs and SIPs side by side, with the same money run through each.GuideHow Banks Decide How Much You Can BorrowFOIR, credit score, income proof, age and LTV: how lenders size your loan.GuideHow EMI Is Calculated, Month by MonthThe EMI formula, a full month-by-month table, and why early EMIs are mostly interest.GuideHow to Read Your Electricity BillMeter readings, slabs, fixed charge, fuel adjustment and duty explained, with a sample bill worked out.GuideHow to Reduce Your Electricity Bill, Appliance by ApplianceAC, fans, geyser, fridge, lights and pump: what each change saves, worked out on a slab tariff.GuidePrepay Your Home Loan or Invest the Money?The break-even return for prepaying vs investing, with tax and risk set out plainly.GuideThe Credit Card Minimum Due Trap, in NumbersHow long a ₹50,000 card balance takes to clear at the minimum due, and what it costs.