Simple & Educational Financial Knowledge for Everyone
Shilpesh Rathod
How to Plan Monthly Budget on ₹30000 Salary can feel challenging — especially with rising rent, groceries, fuel prices, and EMIs. But the truth is, you don’t need a high income to build financial stability. What you need is a clear budget plan and discipline. If you’re wondering how to plan a monthly budget on … Read more
When you urgently need money, two common options come to mind — a personal loan or a credit card loan. But the big question is: Personal Loan vs Credit Card Loan – which is cheaper? Many people choose quickly without comparing total cost. However, the difference in interest rates and hidden charges can cost you … Read more
Lets understand the Home Loan EMI Calculation with Real Example: A Complete Guide for 2026 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 … Read more
Best Mutual Fund for Beginners with Low Risk in India (2026 Guide) February 19, 2026 by Shilpesh Rathod Introduction: Best Mutual Fund for Beginners with Low Risk Starting your investment journey can feel overwhelming, especially when you are worried about losing money. Most beginners look for safe and stable investment options that can grow their … Read more
February 6, 2026 by Shilpesh Rathod Introduction: Index Fund vs Large Cap Fund – Which Is Safer? When beginners start investing in mutual funds, one of the most common questions they ask is: “Index fund vs large cap fund: which is safer?” Both investment options focus on large, well-established companies, which makes them relatively stable … Read more
February 4, 2026 by Shilpesh Rathod Does checking CIBIL score reduce credit score in India? This is one of the most common doubts among Indian borrowers. Many people avoid checking their CIBIL score because they believe it might reduce their credit score and affect loan eligibility. But is this really true? The short answer is … Read more
Improving your CIBIL score from 550 to 750 may seem difficult, but it is absolutely achievable with the right strategy and discipline. A low credit score can restrict your financial growth by limiting access to loans, increasing interest rates, or even leading to outright rejections. The good news? Your credit score is not permanent. With … Read more
A good CIBIL score is essential for getting loans, credit cards, and better interest rates in India. Many people regularly check their CIBIL score and take steps like paying EMIs on time or closing loans, expecting their score to improve. But a common frustration is CIBIL score not updated even after doing everything right. If … Read more
Getting a loan usually requires proof of income such as salary slips, bank statements, or income tax returns. But many people in India—like freelancers, self-employed individuals, small business owners, students, and homemakers—often wonder: The loan without income proof in India is usually offered by NBFCs, gold loan providers, and digital lenders under specific conditions. The … Read more
The 50-30-20 rule in India is a simple budgeting method that helps salaried individuals manage expenses, savings, and investments effectively. Managing money can feel overwhelming, especially when income is limited and expenses keep rising. Many Indians earn a fixed monthly salary but still struggle with savings, investments, and unexpected expenses. This is where the 50-30-20 … Read more