Home, car, personal loans — EMI strategy, prepayment, comparisons.
You have a home loan and some surplus money — a bonus, savings, or a maturing investment. Should you use it to prepay the loan and become debt-free sooner, or invest it and let your wealth grow? It is one of the most common dilemmas for Indian borrowers, and the right answer depends on your…
Loan against MF (9-11%), PPF (8.1%), and gold (9-15%): rates, LTV, speed, process compared. Cheaper than personal loans (15-20%). Worked example for Rs 5L need.
MUDRA loan up to Rs 20 lakh under new Tarun Plus category (Budget 2024). 4 categories explained, eligibility, rates, documents, application channels, CGTMSE.
Stamp duty rates by state for property purchase in 2026 — Maharashtra 6%, Karnataka 5%, Delhi 6%, Tamil Nadu 7%. Registration fees and ways to save legally.
₹50 L home loan at 8.5% over 20 years pays ₹54 L in interest. Prepayment of ₹1L/year cuts interest by ₹20 L+. Full math, prepayment vs SIP, and which beats which.
₹10 L car: car loan ~9%, lease 18-22% effective, cash zero rate. Full TCO comparison plus the depreciation trap nobody warns you about.