A home loan is one of the most significant financial decisions you'll make in your lifetime. For many of us, it's the largest amount of money we'll ever borrow. Whether you're buying your first home or upgrading to a bigger one, understanding how to manage your home loan effectively can save you thousands of rupees and help you become debt-free years earlier. This guide breaks down everything you need to know in simple, everyday language. Part 1: Understanding the Basics of H

A retired investor narrowly escaped being mis-sold a money back insurance policy by a manager at one of India's largest public sector banks. The experience offers crucial lessons for every investor about recognizing aggressive sales tactics, understanding product features, and asking the right questions before committing large sums to financial products. The Incident: How a Bank Manager Blocked a Legitimate Investment The situation unfolded during a straightforward transactio

Your distinguished career in the armed forces has taught you discipline, strategic planning, and the importance of preparation. These same principles apply as you transition into retirement and build your investment portfolio. Unlike your years of service, where uncertainty was part of the mission, your retirement portfolio should be built on clear foundations and rational decision-making. This guide walks you through the three pillars of portfolio construction: understanding

When choosing someone to help with your investments in India, you'll encounter three main types of financial professionals: SEBI-registered Investment Advisors (RIAs) who charge transparent fees and act as fiduciaries, bank wealth managers who often earn through commissions while providing bundled services, and mutual fund distributors who earn trail commissions from fund companies but cannot legally charge for investment advice. Understanding the key differences between thes