BUSINESS
How high EMIs quietly take over your salary
When loan repayments start swallowing most of your monthly income, the problem is rarely one big loan. It is usually several smaller ones piling up over time.
BUSINESS
When automatic EMIs start failing, the damage adds up
One missed auto-debit may not seem like a big deal. But when your loan instalments keep failing month after month, the consequences can quietly affect your credit record and future borrowing.
BUSINESS
Can you take two home loans at the same time?
Buying a second property while still repaying your first home loan is possible in India, but banks look closely at your income, existing EMIs and repayment capacity before approving it.
BUSINESS
Public bank or private bank loan: Which one should you actually choose?
When you’re taking a loan, the interest rate matters, but so do things like how fast the bank moves, how flexible they are with paperwork and how easy they are to deal with later.
BUSINESS
Gold, Silver Rate Today (Mar 11) – Live Updates: MCX gold near 1.63 lakh/10g, silver declined over 1.50% to Rs 2,73,646/kg; key triggers to watch
Bullion prices remain heavily influenced due to competing macro forces and the ongoing Middle East conflict. Whereas the stronger US dollar and rising Treasury yields limit the metal’s upside.
BUSINESS
Is gadget insurance actually worth it for an expensive smartphone?
It sounds reassuring when the salesperson offers it, but whether it’s useful depends on how you use your phone.
BUSINESS
What happens if you exceed your credit card limit?
Going over your credit card limit does not always mean the card stops working immediately. But it can lead to declined payments, extra charges and, if it keeps happening, a dent in your credit profile.
BUSINESS
Is it smart to borrow money to invest?
It sounds like a clever shortcut. Take a loan, invest the money and earn more than the interest you pay. But once debt enters the picture, investing can start to feel very different.
BUSINESS
Can your spouse’s loan affect your credit score?
Your partner’s loan does not automatically appear on your credit report. But if your name is attached to the borrowing in any way, the impact can show up in your credit history too.
BUSINESS
How to protect your savings from inflation
Rising prices rarely arrive as a shock. They creep up slowly, and unless your savings grow fast enough, the real value of your money quietly shrinks.
BUSINESS
When should you opt for loan protection insurance?
Loan protection insurance promises to clear your debt if something happens to you. But it only makes sense in certain situations, not for every loan you take.
BUSINESS
Gold, Silver Rate Today (Mar 10) – Live Updates: MCX gold up 0.87%, silver gains 2.86% as US-Israel-Iran conflict keeps bullion elevated
Precious metal prices rebound supported by a pullback in the US dollar.
BUSINESS
Passing property early or later: how gift deeds and wills really differ
Families often assume a will is the only way to pass property to children, but some parents prefer transferring assets during their lifetime through a gift deed.
BUSINESS
Changed your mind about a nominee in EPF or mutual funds? Here’s what you can do
Nomination details aren’t set in stone. If life changes, the nominee on your financial accounts can usually be changed too.
BUSINESS
Travel insurance surprises: exclusions many travellers discover only when they file a claim
Travel insurance can be extremely useful abroad, but some of the most important details sit in the exclusions section that people rarely read.
BUSINESS
Thinking of retiring early? Here’s how to prepare financially
Leaving the workforce years ahead of schedule can sound liberating, but the numbers behind it need careful planning long before you hand in that final resignation.
BUSINESS
When a business fails: How to rebuild your finances
A failed venture can leave behind loans, stress and a lot of self-doubt. Recovery usually starts not with a big comeback plan, but with a few practical financial steps.
BUSINESS
Low salary but hoping for a bigger loan? Here’s how banks actually decide
Income matters, but it is rarely the only thing lenders look at when deciding how much money they are willing to lend.
BUSINESS
Is it worth adding international mutual funds to your portfolio?
Investing outside India can add diversification and access to global companies, but it works best when used thoughtfully rather than as a trend to follow.
BUSINESS
Co-applicant vs co-borrower in a loan: Are they actually different?
Banks often use the terms loosely, which is why many borrowers assume they mean the same thing. But the role each person plays in the loan can matter more than the label.
BUSINESS
Gold, Silver Rate Today (Mar 9) – Live Updates: Gold slides below Rs 1.61 lakh, silver drops over 1% as global bullion weakens
The current environment reflects a market that is uncertain but not panicked.
BUSINESS
What actually happens if a gold loan goes unpaid
Gold loans are quick and easy to take, but many borrowers are unclear about what lenders actually do if repayments stop.
BUSINESS
Do you really need insurance for your home loan?
Some lenders suggest it as a safety measure, but many borrowers are unsure whether it’s necessary.
BUSINESS
Need cash but don’t want to sell your mutual funds? Here’s another option
Instead of redeeming your mutual fund units during a cash crunch, some investors choose to borrow against them.
