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Financial Insights

Loan tips, banking news and guides from our experts

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323 posts · showing 133–144
Investing
Fixed Deposits vs Debt Mutual Funds: Comparing India's Two Safest Investment Options
Fixed deposits and debt mutual funds are often positioned as similar low-risk options, but since debt funds lost their tax advantage in 2023, the comparison has genuinely shifted in favour of FDs for many savers.
Gowtham · 3 Jun 2026
Auto Loan
Zero Down Payment Car Loan Eligibility in 2026: Who Qualifies and What Banks Actually Check
Zero down payment car loans exist, but banks have hard eligibility rules. Here's exactly who qualifies and how to improve your chances.
Gowtham · 3 Jun 2026
Mortgage & LAP
LAP Interest Rate 2026: How to Get the Cheapest Loan Against Property in India
LAP interest rates in 2026 range from 8.5% to 13%. Here's exactly what determines your rate and how small business owners can borrow smarter against their property.
Gowtham · 2 Jun 2026
Investing
Rental Yield Explained: How to Judge If a Rental Property Is Actually a Good Investment
A property that looks like a great investment on price alone can be a mediocre one once you calculate rental yield properly. Here's the number that actually matters, and how to calculate it.
Guhan Capitals Team · 1 Jun 2026
Professional Loan
How Much Loan Can a Doctor or CA Get Without Collateral?
Unsecured professional loan limits vary sharply by profession, practice vintage, and income. A real breakdown of what qualified professionals can expect.
Guhan Capitals Team · 1 Jun 2026
Personal Finance
The Sinking Fund Method: How to Stop Large Expenses From Wrecking Your Budget
A sinking fund is money you save gradually toward a specific, known future expense, so it never arrives as a financial shock. Annual insurance premiums, festival spending, and appliance replacements are the exact expenses this method is built for.
Gowtham · 1 Jun 2026
Credit Cards
Temporary vs Permanent Credit Limit Increase: What Is the Difference?
A bank offering to raise your credit limit for a single large purchase is doing something meaningfully different from approving a genuine, lasting increase to your account, and confusing the two leads to unpleasant surprises.
Gowtham · 1 Jun 2026
Personal Finance
Writing Your First Will: A Simple Guide for Indian Families
Estate planning feels like something for the very wealthy or very old, but a simple will protects any family with assets, however modest, and avoids the genuinely difficult legal process that follows when someone dies without one.
Gowtham · 29 May 2026
Business Loan
Loan Against Property Tamil Nadu 2026: Use Your Asset to Fund Business Growth
A loan against property in Tamil Nadu can unlock ₹50L–₹5Cr for business expansion. Know the rates, eligibility, and traps to avoid in 2026.
Gowtham · 29 May 2026
Credit Cards
NRI Credit Cards in India: How Eligibility and Usage Differ
Getting and using a credit card as a Non-Resident Indian involves a genuinely different eligibility path and some specific usage restrictions worth understanding before you apply.
Gowtham · 28 May 2026
Investing
Portfolio Rebalancing: What It Is and Why It Matters More Than It Seems
Even a well-constructed portfolio drifts away from its intended allocation simply because different asset classes grow at different rates, and rebalancing is the discipline that brings it back in line.
Gowtham · 28 May 2026
EMI & Rates
How to Reduce Home Loan Tenure or EMI in 2026: A Practical Guide for Tamil Nadu Borrowers
Paying a home loan for 20 years isn't inevitable. Here's how to cut your tenure or EMI using strategies that actually work in 2026.
Gowtham · 26 May 2026
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