Guides
Money guides.
Clear answers with real numbers. No jargon.
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4 min read
How much term insurance do I need?
A common starting point is 10 to 15 times your annual income, then add your loans and subtract savings and cover you already have.
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4 min read
SIP vs lumpsum: which is better?
A SIP suits regular income because it spreads your entry over time. A lumpsum suits a large amount you will not need for many years.
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4 min read
How much health insurance cover do I need?
Many families in Indian metros start with 10 to 20 lakh. A super top-up is a cheap way to add more cover on top of a base plan.
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4 min read
Home loan balance transfer: is it worth it?
A balance transfer is usually worth it when the new rate is at least about 0.5 to 1 percent lower and many years remain on your loan, after counting fees.
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3 min read
How to start a SIP with 500 rupees
Complete KYC, pick a fund that matches your goal and time horizon, set an auto-debit of 500 rupees a month, and raise the amount every year.
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3 min read
Term insurance vs endowment plan
Term insurance gives high cover for a low premium and no maturity payout. An endowment plan mixes cover and savings, so it costs much more for much less cover.
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4 min read
Home loan eligibility: how banks decide
Lenders look at your income, existing EMIs, credit score, age and the property value. Total EMIs are commonly kept within roughly 40 to 50 percent of take home income.
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3 min read
Emergency fund: how much should you keep?
Aim for three to six months of essential expenses, and more if your income is irregular or you support dependants.
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3 min read
Step-up SIP: why raising your SIP each year matters
A step-up SIP raises your monthly amount by a set percentage each year, which can grow your corpus much faster than a flat SIP.