Author: Nisha Chawla

In today’s fast-paced lifestyle, credit cards have become a lifeline for many. They offer unmatched convenience, from booking flights and shopping online to handling emergency medical expenses. But sometimes, those big spends feel heavy when the bill arrives. This is where credit card EMI (Equated Monthly Instalment) options come into the picture. Most banks and credit card providers now allow users to convert large purchases into easy monthly instalments, making repayment feel lighter. It sounds simple, but is it truly beneficial? Is it a smart financial decision or just another debt trap in disguise? Let’s understand what it means to…

Buying a house is one of the biggest financial decisions in life. And when you are planning to take a home loan, even a small difference in interest rate can affect your monthly EMI and total repayment amount. The good news is that in April 2025, several public sector banks in India have reduced their home loan rates, making it easier for home buyers to get loans at cheaper interest. After the Reserve Bank of India (RBI) reduced the repo rate by 0.25% for the second time in a row, many banks followed the trend and revised their loan rates.…

Starting your own business has never been easier in Uttar Pradesh. The Mukhyamantri Yuva Udyami Yojana is giving a big push to young people who want to become entrepreneurs. Under this scheme, you can get a loan of up to Rs. 4.5 lakh without paying any interest for 4 years. Even if you have just studied till Class 8, you can apply for it. The government wants to help the youth become self-dependent and job creators. But to get this loan, there are a few important things to know—like how much CIBIL score is needed, how the application works, and…

पैसे बचाना तो हर कोई चाहता है, लेकिन उसे सही जगह निवेश करना और अच्छा रिटर्न पाना एक कला है। भारत में, जहाँ लोग अपनी मेहनत की कमाई को सुरक्षित रखना चाहते हैं, फिक्स्ड डिपॉज़िट (एफडी) सबसे भरोसेमंद ऑप्शन माना जाता है। लेकिन क्या आप जानते हैं कि एक स्मार्ट तकनीक है, जिसे एफडी लैडरिंग कहते हैं, जो आपके पैसे को न सिर्फ़ सुरक्षित रखती है, बल्कि ज़्यादा रिटर्न और लचीलापन भी देती है? चाहे आप दिल्ली की हलचल भरी ज़िंदगी में हों, मुंबई के सपनों को पूरा कर रहे हों, या लखनऊ की गलियों में चाय की चुस्की ले…

Air travel has become increasingly common among Indian travelers, whether for business or leisure. However, the waiting period at airports can be tiring. Airport lounges offer a haven with comfortable seating, complimentary food and beverages, Wi-Fi, and other amenities. Accessing these lounges can be expensive, but certain credit cards provide complimentary access, enhancing your travel experience without additional costs. Why Airport Lounge Access Matters Airport lounges provide a peaceful environment away from the crowded terminals. Amenities typically include: Accessing these lounges usually requires a fee ranging from Rs. 500 to Rs. 2,000 per visit. However, many credit cards offer complimentary…

In today’s fast-moving financial world, your credit score is like your financial fingerprint. Whether you’re applying for a home loan, personal loan, or even a credit card, lenders check your CIBIL score first. A score above 800 not only increases your loan approval chances but also helps you get lower interest rates, higher limits, and faster approvals. But many people think that reaching an 800+ score is difficult. That’s not true. With a bit of planning, discipline, and smart habits, you can build and maintain a CIBIL score above 800. Let’s break it down in the simplest way, step by…

In today’s digital world, most people have multiple bank accounts—some for salary, some for savings, and others for investments. But many of these accounts often remain unused for months or even years. If no transaction is made in your savings account for 2 continuous years, banks mark it as a dormant account. Once this happens, you can’t use ATM, internet banking, or even deposit or withdraw cash until the account is reactivated. Inactive vs Dormant Account – Know the Key Difference Banks don’t directly make your account dormant. There’s a clear process: In an inactive account, some basic services may…

In today’s fast-paced world, unexpected expenses can arise at any moment—be it medical emergencies, home repairs, or educational fees. Traditional loan processes often involve lengthy paperwork and waiting periods. However, instant loan apps have revolutionized the borrowing experience in India, offering quick and hassle-free financial solutions. ​ How Do Instant Loan Apps Work? Instant loan apps streamline the borrowing process through digital platforms. Here’s a step-by-step guide: Top Instant Loan Apps in India (2025) Here’s a curated list of popular instant loan apps in India, known for their reliability and user-friendly interfaces: ​ 1. IDFC First Bank 2. Bajaj Finserv…

In today’s time, buying a house is a dream for many Indians. With rising property prices, taking a home loan has become almost necessary. But while applying for a loan, most people focus only on documents, income proof and bank balance. One key factor that people often forget is their credit score. This three-digit number plays a big role in deciding not just your loan approval, but also how much EMI you will pay. Let’s understand what a credit score is, how it affects your home loan, and how maintaining a good score can save you lakhs over time. What…

Achieving financial stability doesn’t necessitate drastic lifestyle changes or stringent budgeting. By implementing a few straightforward strategies, you can enhance your savings while continuing to enjoy your current way of life. Here are seven practical methods to help you save money effortlessly: 1. Automate Your Savings One of the most effective ways to ensure consistent savings is to automate the process. Set up an automatic transfer from your checking account to a savings account each month. This “pay yourself first” approach prioritizes your savings and reduces the temptation to spend the money elsewhere. ​ How to Implement: 2. Review and…