Loans & Credit

Oct 4, 20266 min read

Education Loans in India 2026: Rates, Collateral Rules, Moratorium Math and the PM-Vidyalaxmi Subsidy, Explained

Education loans in India 2026 — interest rates 8.15%–13%, collateral rules, PM-Vidyalaxmi 3% subsidy, moratorium interest math and the 80E tax catch, explained simply.

Oct 3, 20268 min read

Gold Loans Surge 83% While Credit-Card Borrowing Stalls: What RBI's August 2026 Data Says About How India Borrows

Gold loans grew 83% in a year while credit-card borrowing stalled. RBI's August 2026 data, the cheapest bank rates, and when secured borrowing actually wins.

Oct 2, 20269 min read

Fixed or Floating Home Loan in October 2026? The ₹7.4 Lakh "Certainty Premium" Before the RBI Decision

Fixed vs floating home loan in October 2026: rates from 7% vs 8.25%, what a 25 bps RBI hike does to your EMI, and the Jan-2026 rule that changed the debate.

Oct 1, 20269 min read

Gold Loan vs Personal Loan for Diwali 2026: One Costs ₹17,463 Less on ₹5 Lakh — But There's a Catch

Gold loan originations jumped 108% by value — but the lower rate isn't the whole story. 2026 rates, the new 85% LTV rule and worked EMI math.

Sep 30, 20269 min read

Taking a Loan? IRDAI Wants to Ban the Forced Insurance Bundled With It

IRDAI's Sep 23 draft proposes banning compulsory bundling of insurance with loans and capping credit-life commissions at 2%. What it means for your next loan.

Sep 29, 20269 min read

Cheapest Personal Loans September 2026: Which Bank Is at 8.75% — and the Oct 7 RBI Decision That Could Change Rates

Personal loan rates start at 8.75% vs 10%+ at big banks. Sep 2026 comparison, fees, EMI math — and why the Oct 7 RBI decision makes timing matter.

Sep 28, 20266 min read

Your Credit Card Got Worse in 2026: The Full Devaluation List (Axis, HDFC, SBI, Amex, ICICI)

Banks slashed credit card rewards in 2026 — lounge visits, cashback caps, lounge access, partner transfers. The complete devaluation list and how to still extract value.

Sep 27, 20268 min read

Historic Reversal: Home Loans in India Are Now Cheaper Than US Mortgages — What It Means for You

US mortgage rates hit 7.37% while Indian home loans start at 7.10% — a historic first. Why it happened, the honest caveats, and 5 moves for borrowers.

Sep 25, 20262 min read

CIBIL Score: How to Check It Free and Improve It Fast (2026 India Guide)

Check your CIBIL score free in 2 minutes and raise it fast: pay on time, keep utilization under 30%, fix report errors. Complete 2026 India guide.