Personal Finance

A practical CIBIL improvement guide for scores around 600, 650 or 700: report checks, payment planning, utilisation examples and a realistic action checklist.

Estimate protection needs and compare term insurance policy terms, disclosures and costs. Avoid choosing cover from an unverified premium or claim-ratio table.

Compare selected SBI, HDFC and ICICI FD rates checked on 8 October 2026. Includes maturity examples, withdrawal terms and a deposit comparison worksheet.

Check which salary and investment deductions apply for AY 2026-27. Understand shared limits, old vs new regimes and why deductions do not equal tax refunds.

Prepare an income tax return for FY 2025-26, AY 2026-27. Reconcile records, choose the right form, review tax and complete verification.

Compare NPS, EPF and PPF by contribution rules, market exposure and access. Includes current NPS exit-rule distinctions and important tax caveats.

Compare home loan offers using EMI, total costs, affordability and floating-rate terms. Includes a checked example and questions to ask before applying.

Compare PPF, ELSS and NPS without confusing tax deductions, investment returns and access. Check regime eligibility and each contribution’s lock-in.

Work out an emergency savings target from essential expenses and income risk. Compare savings accounts, deposits and fund liquidity without assuming fixed returns.