Personal Finance
21 articles
Master the fundamentals of budgeting, saving, and managing your daily finances effectively. Learn practical strategies for building financial security.
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Gratuity calculation 2026: rules, formula & tax (15/26)
How gratuity is calculated in India: the 15/26 formula explained, eligibility rules, the ā¹20L tax exemption cap, new labour code changes for fixed-term workers, and a worked example you can verify yourself.
Loan Interest Rates India 2026: Compare All Types
Compare home, car, personal, education, gold & credit card loan rates in India 2026. Understand RBI repo rate, APR vs flat rate, credit score impact, and how to get the best deal.
Salary Investment Plan India 2026: How Much to Invest at Every Income
A complete salary investment framework for India 2026: emergency fund, insurance, SIPs, and exact monthly allocations at ā¹30K, ā¹40K, ā¹50K, ā¹75K, and ā¹1L+ salaries.
ā¹40,000 Salary Investment Plan India 2026 ā Real Numbers, No Fluff
Earning ā¹40K/month in India? Here's an exact plan: emergency fund, term insurance at 27, and SIPs that actually fit your budget. Real numbers only.
ā¹75,000 Salary Investment Plan India 2026 ā Full Breakdown
Earning ā¹75K/month in India? Here's the exact split: ELSS, NPS, mid-caps, family health cover, and term insurance. Real numbers for a 30-year-old.
I'm 25 Earning ā¹30K/Month ā How to Start Investing for Long-Term Growth
Earning ā¹30K/month at 25 in India? The exact order: build a ā¹50K emergency fund first, lock in term insurance at ~ā¹550/month, then start a ā¹2,500/month Nifty 50 SIP. Real math, no generic advice.
ā¹50,000 Salary Investment Plan India 2026 ā Exact Breakdown for a 28-Year-Old
Earning ā¹50K/month in India? Here's the exact split: ELSS, index SIPs, home down-payment savings, and a worked budget. Real numbers for someone married or planning a family.
PPF vs FD 2026: Which Gives More After Tax? (Real Numbers)
PPF 7.1% tax-free vs FD 7.5% taxable ā in 30% bracket, FD gives 5.25% in hand. See real compounding math over 15 years, liquidity trade-offs, and when ELSS beats both.
Average Home Loan Interest Rate India 2026 ā All Banks
Lowest home loan rate Apr 2026: ICICI 8.45%, SBI 8.50%, HDFC 8.75%. Compare all banks side by side. EMI for ā¹30Lāā¹1Cr. See how to save ā¹3L+ by picking the right lender.
Recommended Emergency Fund Size India 2026 ā Exact Amount by Salary
Recommended emergency fund size India 2026: 3ā6 months of expenses. ā¹50K salary ā keep ā¹3ā4.5L. ā¹1L salary ā keep ā¹6ā9L. Best places to park it: FD vs liquid fund vs savings account.
Google Voluntary Exit 2026: Should You Take the Package?
L5 SWE gets ā¹25ā40L severance + unvested ESOPs. Real tax math: how much you actually keep after TDS, EPF rules, and the one trap most people miss. Arjun's exact calculation inside.
Got Laid Off in India? 7 Things to Do First (2026)
Don't sign anything yet. Get 3-6 months severance, EPF withdrawal, health cover extension & gratuity claim ā complete checklist for laid off Indians in 2026.
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.
Average Credit Card Interest Rate India 2026: 3.5%/Month ā Full Bank Comparison
Average credit card interest rate India 2026: 3.5ā3.67%/month (42ā44% APR). HDFC, ICICI, SBI, Axis compared. Minimum payment trap costs ā¹2L+ extra. How to pay zero interest legally.
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 vs ICICI vs SBI Compared
HDFC starts at 10.5%, but most borrowers pay 14ā18%. Two people, same ā¹5L loan, same bank ā one paid ā¹32,472 more. Here's how CIBIL score and negotiation change your rate.
IIFL Gold Loan 2026: Interest Rate 11.88%ā27% | Muthoot Compared
IIFL gold loan rate: 11.88%ā27% p.a. Real cost of a ā¹5L loan. Auction risk explained. Compared to Muthoot & Manappuram ā read before you pledge your gold.
UPI Down? Check Live Status + 5 Backup Payment Methods That Never Fail
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.