Home Loan
What is a Good Home Loan Interest Rate in India in 2025?
Current SBI rate is 8.50%, HDFC 8.70%, ICICI 8.75%. Below 8.5% is excellent. Above 9.5% — you should negotiate or switch lenders. Here's how to evaluate your rate and what factors affect it.
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Personal Finance
The 35% Rule: How Much EMI Can You Actually Afford?
Banks approve loans where total EMI is under 50% of income, but financial advisors recommend keeping it under 35%. Here's why that 15% gap matters and how to calculate your safe EMI limit.
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Credit Card
Credit Card EMI vs Personal Loan: Which Costs Less?
Credit cards charge 24–42% per annum. Personal loans charge 12–24%. But no-cost EMI offers from banks can be better than both. Here's a complete comparison with real numbers.
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