Business Loan and Mudra Loan: Limits, Rates, How to Apply
Mudra loan limits (Shishu to Tarun Plus, up to ₹20 lakh), interest rates, CGTMSE cover, documents and how Mudra compares with other business loans in India.
· 6 min read
Loans & EMI Guides
How EMIs work, home and personal loan rates, prepayment strategy and CIBIL score tips for Indian borrowers.
All loans articles
Car Loan Guide 2026: Rates, Eligibility, EMI and Tips
A practical car loan guide for India: current rate ranges, eligibility, documents, down payment, tenure trade-offs and how to cut total interest in 2026.
· 6 min read
Car Loan vs Car Leasing in India: Which Costs Less?
Car loan vs car leasing in India compared on total cost, tax, resale and flexibility, with a worked 5-year example and 2026 perquisite rules for leased cars.
· 6 min read
Education Loan for India vs Abroad: Costs Compared
Education loan for India vs abroad compared: rates, collateral, PM-Vidyalaxmi, TCS on fees, currency risk and a worked EMI example, as of October 2026.
· 7 min read
Education Loan Guide 2026: Eligibility, Subsidy, Tax
Education loan guide for India and abroad: eligibility, collateral, PM-Vidyalaxmi subsidy, moratorium interest and the Section 129 (old 80E) tax deduction.
· 6 min read
Education Loan Moratorium: Pay Interest Now or Later?
How the education loan moratorium works in India, how much interest builds up and whether to pay it during studies, with a worked example as of October 2026.
· 6 min read
Fixed vs Floating Interest Rate: Which Loan Is Better?
Fixed vs floating interest rate on loans in India: how each works, true cost compared with an example, prepayment rules and which suits you in 2026.
· 6 min read
Gold Loan Guide 2026: LTV, Interest Rates and RBI Rules
How gold loans work in India under RBI's 2025 gold collateral rules: 85% LTV up to ₹2.5 lakh, bullet repayment, valuation, auction safeguards and costs.
· 6 min read
Home Loan Balance Transfer: When It Saves Money (2026)
Home loan balance transfer explained: when switching lenders saves money, all costs involved, the break-even math, documents and step-by-step process in India.
· 6 min read
Home Loan Eligibility and Documents: 2026 Checklist
Home loan eligibility depends on income, FOIR, CIBIL score, age and property value. See how much you can borrow and the full document checklist for 2026.
· 6 min read
Home Loan Prepayment: Reduce EMI or Tenure?
Home loan prepayment: should you reduce EMI or tenure? A ₹50 lakh worked example shows the tenure option saves about 3x more interest, and when EMI wins.
· 6 min read
Home Loan Tax Benefits FY 2026-27: Interest and Principal
Home loan tax benefits for FY 2026-27: ₹2 lakh interest and ₹1.5 lakh principal deductions, new Income-tax Act 2025 sections, joint loans and new regime.
· 6 min read
How EMI Is Calculated: Formula, Example and Breakup
Learn how EMI is calculated with the reducing-balance formula, a step-by-step ₹30 lakh worked example, and how rate and tenure change what you pay.
· 6 min read
How to Check CIBIL Score Free: Step-by-Step Guide
How to check your CIBIL score free online: the RBI free-report rule, steps on cibil.com, other bureaus, reading the report, and why checking never hurts.
· 5 min read
How to Get the Lowest Loan Interest Rate in India
How to get the lowest loan interest rate in India: improve your CIBIL score, pick repo-linked loans, cut LTV, negotiate the spread and compare APR.
· 6 min read
How to Improve CIBIL Score: 9 Steps That Work
How to improve your CIBIL score: pay on time, keep card use under 30%, fix report errors and space out loan applications. Timelines and RBI rules explained.
· 6 min read
Instant Loan Apps: RBI Rules Every Borrower Should Know
RBI rules for instant loan apps under the Digital Lending Directions, 2025: KFS and APR, cooling-off period, data limits and how to spot illegal apps.
· 5 min read
Loan Against FD and Mutual Funds: Rates, LTV, Risks
Need cash without breaking an FD or selling mutual funds? See how loans against FD and MF units work, typical LTV, rates, and when borrowing beats selling.
· 6 min read
Loan Against Property: Rates, LTV, Eligibility, Risks
Loan against property explained: how much you can borrow, 2026 rate ranges, eligibility, documents, tax treatment and the risks of pledging your home.
· 6 min read
Loan APR Explained: Find the Total Cost of Borrowing
What APR means on an Indian loan, how it differs from the interest rate, what RBI's Key Facts Statement must show, and a worked example comparing two offers.
· 5 min read
Personal Loan Eligibility and Documents: 2026 Guide
Personal loan eligibility in India rests on income, CIBIL score, FOIR and employer. Learn how lenders calculate your limit and which documents you need.
· 6 min read
Personal Loan Interest Rates in India: 2026 Guide
Personal loan interest rates in India start near 10% at major banks. See how rates are set, what they cost in EMI, and how to compare offers using APR.
· 5 min read
Personal Loan vs Gold Loan vs FD Loan: Which Is Cheaper?
Compare personal loans, gold loans and loans against FD on rates, fees, speed and risk, with a worked ₹2 lakh example using October 2026 rates and RBI rules.
· 6 min read
Repo Rate Impact on EMI: How RBI Moves Change Your Loan
How the RBI repo rate affects your home loan EMI: the October 2026 hike to 5.50%, repo-linked vs MCLR transmission, a worked EMI example and what to do now.
· 6 min read
Top-Up Home Loan: Rates, Eligibility, Tax Rules
Top-up home loan explained: how much you can borrow, rates, eligibility, tax rules and when it beats a personal loan, with a worked EMI comparison.
· 6 min read
Used Car Loan vs New Car Loan: Rates and Real Cost
Used car loan vs new car loan in India: rate gap, loan-to-value, tenure limits and a worked 5-year cost comparison including depreciation, as of October 2026.
· 5 min read