Personal Finance
14 articles
Master the fundamentals of budgeting, saving, and managing your daily finances effectively. Learn practical strategies for building financial security.
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Average Home Loan Interest Rate India 2026: 8.25%ā9.5% ā Which Bank Is Cheapest?
Average home loan interest rate in India 2026: ICICI at 8.45%, SBI at 8.50%, HDFC at 8.75%. Compare all major banks, calculate your EMI for ā¹30Lāā¹1Cr loans, and find who gives the lowest rate.
Emergency Fund India 2026: How Much Do You Really Need? (Calculator + Where to Park)
ā¹50K salary? You need ā¹3-4.5L emergency fund. ā¹1L salary? Keep ā¹6-9L ready. Where to park it: FD vs liquid fund vs savings. Step-by-step guide to never being broke during a layoff.
Google Voluntary Exit 2026: Take the Package or Stay? (Severance + ESOP Math)
Google offering voluntary exit in India ā should you take it? We calculated: L5 SWE gets ā¹25-40L severance + ESOP vesting. Tax traps to avoid. EPF withdrawal rules. Real math, not HR fluff.
Where's My IRS Refund 2026? Check Status Now ā Direct Deposit Dates & Delays
IRS refund not showing up? Check your status in 2 minutes. Direct deposit takes 21 days, paper 6-8 weeks. EITC/ACTC refunds delayed until March. Average refund $3,800 ā here's when yours arrives.
Just Got Laid Off? Do These 7 Things FIRST (Severance, EPF, Insurance Checklist)
Don't sign anything yet. Step-by-step: negotiate 3-6 months severance, withdraw EPF tax-free, extend health cover for 3 months, file for gratuity. 2026 layoff survival guide for India IT professionals.
NRE vs NRO vs FCNR Account 2026: Which Should NRIs Open? Complete Comparison
NRE account: tax-free interest, fully repatriable, for foreign income. NRO: for India income, 30% TDS, $1M repatriation limit. FCNR: foreign currency FD, no forex risk. Which is right for you?
NRI Home Loan India 2026: Interest Rates, Eligibility & Complete Process Guide
NRI home loan rates Feb 2026: SBI 8.75%, HDFC 8.85%, 0.25-0.50% more than resident Indians. Documents needed, Power of Attorney guide, tax benefits, FEMA rules. Buy property in India from abroad.
Car Loan Interest Rates 2026: SBI 8.7%, HDFC 9.0% - New vs Used Car Rates
Car loan rates India Feb 2026: SBI 8.7% (new car), HDFC 9.0%, used cars 1.5% higher. Compare banks vs dealer finance. Save ā¹40K on ā¹8L loan.
Credit Card Interest Rates 2026: HDFC 3.5%, ICICI 3.67%/Month - Avoid The Trap
Credit card interest India Feb 2026: HDFC 42% APR, ICICI 44% APR. Minimum payment trap costs ā¹2L extra. How to use cards interest-free. Complete guide to avoid debt.
Education Loan Interest Rates 2026: SBI 8.55%, HDFC 9.5% - India vs Abroad
Education loan rates Feb 2026: SBI 8.55% (India), 10.5% (abroad). HDFC 9.5%. Government subsidy available. Tax benefit on full interest. Get ā¹40L without collateral.
Personal Loan Interest Rates 2026: HDFC 10.5%, ICICI 10.75% - Compare All Banks
Personal loan rates India Feb 2026: HDFC 10.5%, ICICI 10.75%, SBI 11.15%. Compare banks, improve CIBIL, get better rate. Save ā¹50K on ā¹5L loan.
IIFL Gold Loan: 11.88%-27% Rates | vs Muthoot 12%-29% | ā¹5L = ā¹98K Cost | Auction Risk
IIFL 11.88%-27% vs Muthoot 12%-29%. 75% LTV on gold. ā¹5L loan costs ā¹98K (18% + fees). Default = auction in 3 months.
UPI Down Right Now? Check Status + 5 Backup Payment Methods That Always Work
UPI server down or GPay not working? Here's how to check UPI status instantly and 5 backup payment methods (cards, wallets, NEFT) so you're never stuck again.
Union Budget 2026-27: Complete Analysis, Key Highlights and Impact
Comprehensive breakdown of India's Union Budget 2026-27 presented by FM Nirmala Sitharaman. Analyze tax changes, sector allocations, infrastructure plans, and economic impact for investors and taxpayers.