Emi

A single slip can feel harmless, but it has ripple effects on your money and your credit history.

One day late: How much impact does it really have on your credit score?

Even small delays in payments can affect your credit health, but the extent depends on several factors.

India Buys in Hindi, Dreams in EMI: Why the metro-first strategy is broken

India's market is diversifying beyond metros. Brands must evolve strategies, catering to both urban and rural needs, balancing aspiration with accessibility, and embracing regional preferences for sustainable growth

Struggling with EMIs? Here’s how to manage your personal loan without stress

A personal loan can be a financial saviour in times of need—but the actual test begins after the money is disbursed: paying your EMIs month after month. Lacking a plan, these payments can soon turn out to be too much to handle. Whether you've just taken a loan or are already in the process of paying off instalments, these practical tips will help you remain on track, avoid financial stress, and pay off your loan easily.

Smart ways to manage personal loan EMIs without stress

Got a personal loan and feeling the pinch every month? You’re not alone. While EMIs make loans manageable, they can also strain your finances if not planned right. The good news? A little awareness and discipline go a long way in avoiding that pressure. Whether you’re new to EMIs or juggling multiple payments, these tips will help you stay in control and stress-free.

From EMI to economy: What RBI's 50 bps repo rate cut means for various sectors

Lower repo rate means cheaper loans for homebuyers, auto buyers and businesses

Why your EMI hasn’t dropped despite RBI’s rate cuts

Even when the Reserve Bank cuts rates, your loan repayments might stay the same—here’s why and how you can lower them.

Housing demand to get a fillip from RBI's second consecutive rate cut, observers say

The Reserve Bank of India cut its repo rate by 25 basis points to 6%,from 6.25%. Developers and homebuyers have welcomed the move, saying that lower interest rates will drive sales in the affordable housing segment.

Why You Should Consider Buying A Home NOW | Rate Cut,Cheaper Home Loans & Lower EMIs| Realty Returns

Home loan interest rates are finally coming down! With the RBI reducing repo rate by 25 basis points for the first time in five years, borrowers can expect some much-needed relief. But will this rate cut, expected to be the first of many this year, improve loan eligibility and affordability for new buyers? With the double bonanza of income tax cuts and lower interest rates, will more buyers enter the market? And with higher tax savings and reduced EMIs, is now the right time to buy a home? With more tax savings and lower EMIs should you buy a house now? Join Moneycontrol's Nandita Khemka as she breaks it down with Vipul Patel, Founder, MortgageWorld, and Vishal Dhawan, Founder & CEO, Plan Ahead Wealth Advisors, on Realty Returns.

Education loan vs savings fund: What's the best way to fund your child’s education?

It is wise to start saving and investing early to build a sufficient corpus. You can take a call on whether taking an education loan is a better option at the time of making the actual payment.

Karnataka's MSIL goes aggressive with tour package EMI options

Mysore Sales International Ltd has launched an 18-day north India tour for Rs 20,000. The Karanataka company is also offering international packages for Sri Lanka, Dubai, Vietnam, Singapore and several European countries

Plan smarter, pay better: How an EMI calculator prevents loan defaults

An EMI calculator is more than just a tool—it's your guide to informed borrowing and financial stability.

Snapmint secures $18 mn in a mix of debt and equity to expand its no-cost EMI platform

Snapmint’s Funding round led by Prashasta Seth, Perpetuity Ventures, and Pegasus Fininvest

Should you opt for pre-EMI for a loan on a property under construction?

Pre-EMI option is lighter on the pocket as you only pay interest in the first years before the EMI period starts. But pre-EMI incurs a higher interest cost in the long-term, than the regular full EMI option.

Banks Increasing Minimum Interest Rates For Loans: Time For Repo-Linked Home Loans To Save On EMIs?

Home loan repayment is something that most of us have to deal with. And with rising rates of MCLR, it becomes very crucial for a borrower to decide if switching to a repo-linked loan is optimum or not. Well, there are a few things that should be considered before making a decision. In this video, we have talked about all these subjects. Watch the video to find out.

Easy ways to cut your Home loan EMIs | 5 step guide

Home loans are long-term loans. And the stress of repaying the loan lasts as long as the loan does. Moreover, the penalty charges if the loan EMI is not paid on time can also harm both your monthly budget, as well as your Credit score. So here are some tips and strategies on how to reduce the home loan burden. WATCH!

Moneycontrol Daily: Your Essential 7

A daily round-up of the most interesting articles to help jump-start the day.

RBI rate hike: Make part-prepayments, increase EMIs to cushion interest rise impact

Vipul Patel, founder of Mortgageworld, says interest rate hikes will be limited to 50 basis points in 2023 and rates will start coming down 15-18 months from now.

RBI repo rate hike: Make part-prepayments, increase EMIs to cushion interest rise impact | Simply Save

Home loan interest burden is set to increase post the RBI’s repo rate hike of 25 basis points. Consequently, EMI per lakh have risen 20-25 percent since the start of this rising rate cycle. Vipul Patel, founder at Mortgageworld, tells you how borrowers can now take some steps to reduce the total interest payable over the loan tenure, in this podcast. Tune in!

Five things you should consider before choosing a festival-season loan

When you opt for a loan, you need to ensure that it is repaid in time so that your credit score does not take a beating.

Electronics Mart India sees bumper listing, but can it be a multibagger for you?

The company’s strong listing can be attributed to strong interest from investors, reasonable valuations, and a sanguine growth outlook.

Bank of Maharashtra raises lending rate by 20 bps; EMIs to become costlier

The revision will make loans linked to MCLR benchmark costlier.

Credit cards: Keep in mind these factors before opting for EMIs

EMIs are one of the most attractive features of a credit card. But beware: always ensure that you spend within limits, so that you are able to pay your bills on time and avoid the hefty finance charges and penalties that can lead to a debt spiral.

It’s good to prepay your home loan. Just weigh in your options, first.

While the EMI reduction option would result in higher disposable income for the borrower, opting for the tenure reduction option would result in higher savings in overall interest cost.

HDFC Bank hikes lending rates by 0.35%; 2nd hike in two months

The hike, which comes a day ahead of the RBI's scheduled policy review, is the second such move from the lender in as many months, taking the cumulative hike to up to 0.60 percent.