Simple & Educational Financial Knowledge for Everyone
Shilpesh Rathod
If you’re trying to figure out how to plan monthly budget on 30000 salary, you’re not alone — rent, groceries, fuel, and the occasional EMI all pulling at the same limited pool of money makes it feel like a tightrope walk. If you’ve ever reached the third week of the month wondering where your salary … Read more
Personal loan vs credit card loan: which is cheaper? For most borrowers in India, a personal loan is cheaper because it has a lower interest rate, a longer repayment period and fewer penalty traps. A credit card loan can be cheaper only for small, short-term needs. Below, you will see real ₹ examples, hidden charges … Read more
Buying a house is one of the biggest financial decisions in life. For most people in India, taking a home loan is not just an option—it is a necessity. But before you sign any loan agreement, you must clearly understand home loan EMI calculation with a real example. Many borrowers make the mistake of focusing … Read more
Introduction: Best Mutual Fund for Beginners with Low Risk Starting your investment journey can feel overwhelming, especially when you’re worried about losing money you’ve worked hard to save. If you’ve ever opened an investing app, stared at hundreds of fund names, and closed it without investing a single rupee — you’re not alone. Most beginners … Read more
Introduction: Index Fund vs Large Cap Fund — Which Is Safer? When beginners start investing in mutual funds, one question comes up again and again: should I choose an index fund or a large cap fund? Both options sit at the “safer” end of the equity mutual fund spectrum, since both invest primarily in large, … Read more
If you’ve ever hesitated before tapping “Check My CIBIL Score” on a banking app—worried that the simple act of looking might somehow cost you points—you’re far from alone. One of the most common questions borrowers ask is: Does checking CIBIL score reduce credit score? The answer is simple: No, checking your own CIBIL score does … Read more
If you’ve just checked your CIBIL score and seen a number like 550 staring back at you, take a breath. It feels worse than it is. A 550 score isn’t a life sentence — it’s a snapshot of your past repayment behaviour, and past behaviour can absolutely be changed with future behaviour. The frustrating part … Read more
You did everything right. You paid your EMIs on time, cleared your credit card dues, maybe even closed an old loan — and yet, when you log in to check your CIBIL score, the number hasn’t moved. Not one point. If that sounds familiar, you’re not alone. It’s one of the most common frustrations Indian … Read more
Imagine you run a small tailoring shop. Business is decent, but most customers pay in cash and you have never filed an income tax return. Then your child’s school fees, a medical bill, or a machine repair lands on your desk and you need money within days. You walk into a bank, and the first … Read more
Most of us have had that moment on the 25th of the month — salary already gone, credit card bill staring back, and a vague sense that we earn “enough” but somehow never save enough. If that sounds familiar, you’re not bad with money. You just don’t have a system. The 50-30-20 rule in India … Read more