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Articles
Banking & Savings · 9 min read
How much money should you keep in your savings account in India (2026)
Most Indians keep far too much in their savings account, quietly losing ₹13,500 a year on every ₹3 lakh idle balance. Here is the framework, the math, and where the rest should actually go.
Last updated 2026-06-01
Tax · 9 min read
Old vs New tax regime — which one should you actually pick?
The new regime is the default in 2026. But for many salaried Indians with 80C, HRA and home-loan EMIs, the old regime still wins. Here's the test.
Last updated 2026-05-10
Banking & Savings · 5 min read
Highest savings account interest rates in India
SBI, HDFC, ICICI pay 2.7-3% on your savings. AU Small Finance Bank pays 7.25%, Ujjivan 7.5%, with the same DICGC insurance. Here's the honest comparison.
Last updated 2026-05-01
Cards & Loans · 7 min read
Your first credit card, honestly explained
If this is your first credit card, ignore the rewards. Pick one that builds your credit score, doesn't sting you on fees, and is easy to close.
Last updated 2026-05-01
Travel & Spending · 7 min read
How to find consistently cheaper flights from India
Indian travellers leave ₹3,000-8,000 on the table per trip. ITA Matrix, error fares, multi-city tricks — here's the playbook with no affiliate links anywhere.
Last updated 2026-04-28
Household Bills · 6 min read
How to cut your electricity bill by ₹600-1,200 a month
Most Indian households over-pay by 15-25% just because they've never read a bill properly. Here's exactly what to change.
Last updated 2026-04-28
Insurance · 6 min read
How much term-life cover do you actually need?
Most agents will quote you 10× your salary. The honest number is usually 15-20× — and the 'human life value' method is the only one that holds up.
Last updated 2026-04-18
Investing · 8 min read
SIP vs Lumpsum — which actually wins in Indian markets?
The textbook answer is 'lumpsum on average wins.' The honest answer is 'most people can't psychologically handle lumpsum.' Here's how to choose.
Last updated 2026-04-15
Reclaim & Rights · 7 min read
How to find forgotten money — unclaimed deposits, dividends, and shares
India has tens of thousands of crores in unclaimed deposits and shares. Some of it might be yours. Here's the exact process to check and reclaim.
Last updated 2026-04-08
Home & Property · 10 min read
Rent vs Buy — the honest maths (with opportunity cost)
Your parents will tell you 'rent is wasted money.' That's wrong about 60% of the time in tier-1 metros today. Here's how to actually decide.
Last updated 2026-04-05
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Cards & Loans
Best credit cards, cheapest personal loans, education loans, credit-score repair and debt help.
Household Bills
Cut your electricity, gas, broadband, DTH, mobile and property-tax bills.
Banking & Savings
Highest-yield savings accounts, FD ladders, PPF, Sukanya Samriddhi and Post Office schemes.
Investing
Mutual funds, SIPs, index funds, ELSS, NPS, stocks, IPOs, REITs and SGBs — explained simply.
Insurance
Right cover for term life, health, motor and travel — and which insurances aren't worth buying.
Tax
Old vs new regime, HRA, 80C, 80D, capital gains, freelancer tax, ITR filing and TDS refunds.
Home & Property
Home loans, stamp duty by state, EMI vs rent, RERA basics, joint loans and tax benefits.
Travel & Spending
Cheap flights, forex cards, UPI cashback, lounge access and reward maximisation.
Reclaim & Rights
Recover wrong charges, find forgotten money on UDGAM/IEPF, RBI Ombudsman and consumer court.