Corporate Health Insurance & Portability: Why You Need Your Own Too
Employer group health insurance is valuable but ends when you leave. How it works, its limits, IRDAI portability (keeping waiting-period credit), and why to hold a personal policy.
-
-
Maternity Insurance in India: Cover, Waiting Periods & Planning
Maternity insurance covers delivery and pre/post-natal care, but with 2–4 year waiting periods and sub-limits. How it works, newborn cover, corporate plans and how to plan ahead.
-
Car Insurance in India: Third-Party vs Comprehensive Explained
Car insurance explained: mandatory third-party vs own-damage vs comprehensive, what IDV means, useful add-ons (zero-dep, RTI), No Claim Bonus, and how to choose.
-
Debt Consolidation in India: When It Helps & How to Do It
Debt consolidation combines high-interest debts into one lower-rate loan with a single EMI. The routes (personal loan, balance transfer, LAP), when it helps and when it backfires.
-
Car Loan EMI: How It’s Calculated & How to Pay Less
How car loan EMIs work — amount, rate and tenure — ex-showroom vs on-road, down payment, flat vs reducing rate, fees, and practical tips to cut the total interest you pay.
-
PMSBY: ₹2 Lakh Accident Cover for ₹20 a Year
Pradhan Mantri Suraksha Bima Yojana gives ₹2 lakh accident cover for just ₹20/year (ages 18–70). What it covers, what it doesn’t, enrolment, and pairing it with PMJJBY.
-
PMJJBY: ₹2 Lakh Life Cover for ₹436 a Year
Pradhan Mantri Jeevan Jyoti Bima Yojana gives ₹2 lakh life cover for ₹436/year (ages 18–50). Features, enrolment, and why it should top up — not replace — a term plan.
-
National Savings Certificate (NSC) 2026: Rate, Tax Benefit & Features
NSC offers 7.7% (2026), a 5-year term and an 80C deduction with reinvested interest also qualifying. Features, taxation, and how it compares with PPF, ELSS and tax-saver FDs.
-
How RBI Rate Cuts Affect Your Home Loan EMI
How RBI repo-rate changes flow to your home loan EMI via the repo-linked rate (RLLR/EBLR), whether EMI or tenure changes, transmission lag, and what to do when rates fall.
-
Property Valuation Methods in India: How a Home’s Value Is Decided
The three property valuation methods — market/comparable, income (rental yield), and cost — plus circle rate and bank valuation, and how to check a fair price.
-
How to Choose the Right Home Loan Lender in India
How to choose a home-loan lender: compare the repo-linked rate and spread, fees, fixed vs floating, prepayment terms and service — plus bank vs HFC and balance transfer.
-
Property Mutation Process in India: What It Is & How to Do It
Property mutation updates revenue/tax records to your name after buying, inheriting or gifting property. What it is (and isn’t), when you need it, and the documents and steps.