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Last Updated:March 22, 2026, 08:00 IST Skyrocketing energy costs, unseasonal agricultural disruptions, and a stubborn interest rate cycle have forced the middle class into a defensive crouch As we move into the second quarter of 2026, the Indian consumer is undergoing a fundamental behavioural shift. Representational image As the first quarter of 2026 draws to…
New Delhi25 minutes ago copy link The Reserve Bank of India (RBI) may further cut interest rates by 0.50% (50 basis points) in the year 2026. According to a recent report by IIFL Capital, even after cutting interest rates by a total of 1.25% in the year 2025, the central bank still has room for…
What if three people spent the same amount every month for 20 years, one on a home loan EMI, one on a mutual fund SIP, and one in a fixed deposit? The outcomes, even at the same 8.5 percent return assumption, are vastly different. Adit Ahlawat, an AMFI-registered mutual fund distributor, broke down how the…
EMIs rising faster than your salary? Feeling the pressure every month and unsure where you went wrong? Most debt traps begin silently—with one bad EMI decision. But is there a rule that keeps you safe? Experts say yes, and this single salary-EMI formula can change everything. Today, many people take loans without checking how much…
Last Updated:October 31, 2025, 11:03 IST During repayment, two terms often confuse borrowers — loan closure and loan settlement. Both sound like the same thing: paying off the loan. But they’re not. The impact is long-term. Your credit score takes a significant hit, and banks classify you as a risky borrower (Image: Canva) In today’s…
New Delhi: Applying for your first personal loan can feel exciting but also overwhelming, especially if you are unfamiliar with how these loans work. A personal loan is an unsecured form of credit, which means you don’t have to provide any collateral such as property or gold to secure the funds. Because it can be…
New Delhi: Dealing with personal loan debt collectors can often feel overwhelming. However, being aware of your rights as a borrower—and acting responsibly—can help you manage these situations calmly and effectively. The Reserve Bank of India (RBI) has issued strict guidelines that both banks and recovery agents must follow. These are designed to protect borrowers…
For most people, the dream of buying a house goes hand in hand with the fear of overwhelming debt. Home loans may have made ownership easier, but many buyers still struggle with questions of affordability: How expensive should the house be? How much down payment is enough? How big should the loan be? To answer…
Last Updated:August 16, 2025, 12:54 is EMIs may offer easy purchases, but without planning, they can trap you in debt. Know when EMI helps, and when it silently drains your savings and peace of mind EMI can be a helpful tool if used wisely, such as for emergencies, essential home appliances, or investment-driven purchases like…
New Delhi: Gen Z in India is rapidly changing the way luxury is consumed—making high-end goods and experiences more accessible than ever before. This shift is driven by rising incomes, digital credit options, and a strong desire for unique experiences and stylish brands. Gen Z’s Growing Financial Power Spending Muscle: In 2024–25, Gen Z alone…