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Oct 5, 20267 min read

The Real Cost of a Credit Card EMI: ₹1 Lakh Becomes ₹1,12,245 — the 6 Charges Hiding in It

A ₹1 lakh credit-card EMI at 16% costs ~₹12,245 in hidden charges — processing fees, GST, foreclosure costs. Here's the breakup, plus a trick that saves ₹4,900.

Oct 5, 20268 min read

No Card Needed: What Is Credit Line on UPI and How Does It Work? (2026 Guide)

Credit Line on UPI explained: how the card-less bank credit line works, costs, EMI conversion, RuPay card differences, and risks.

Oct 4, 20265 min read

Your First Paycheck Is Missing Money Before It Reaches You — Here's Where It Went

Where your first salary goes: EPF/tax deductions, exact 50/30/20 splits for ₹30K–₹50K, worked SIP math, and a first-90-day checklist (2026 rules).

Oct 3, 20265 min read

UPI MDR From Oct 15: Will Shops Charge You Extra? Explained

From Oct 15, 2026, UPI merchant payments above ₹2,000 carry 0.4% MDR. P2P stays free, small merchants exempt. What actually changes at the counter — explained.

Oct 3, 20269 min read

How Your Salary Is Taxed in India: CTC vs In-Hand, Explained

Your CTC is not what lands in your account. How salary is taxed in India in FY 2026-27: CTC vs in-hand, TDS, the ₹12.75 lakh zero-tax rule, explained simply.

Oct 2, 20269 min read

SBI Says Inflation Could Cross 6.5% in October — Here's Exactly What That Does to Your Savings

SBI Research expects CPI inflation to cross 6.5% in Oct–Nov 2026. What it means for your savings, nominal vs real returns explained simply.

Oct 1, 20266 min read

RBI's New FD Rule Is Live From Today: Banks Must Publish Bulk-Deposit Rates Every Morning by 10:10 AM

RBI's FD rule is live from Oct 1: banks must publish bulk-deposit rates daily by 10:10 AM. The ₹3-crore threshold, uniform pricing, and what it means for you.

Oct 1, 20269 min read

Emergency Fund in India: How Much Do You Actually Need? The 3-6-9 Rule, Explained Simply

How much emergency fund should you have in India? The 3-6-9 rule says 3 months for stable salaries, 6 with dependents, 9–12 for freelancers. Worked ₹ examples + where to park it.

Sep 30, 20268 min read

Oct 7 Rate Hike? How 5.50% Repo Rate Hits EMI, FDs, SIPs

35 of 61 economists expect RBI to hike repo to 5.50% on Oct 7 — first since Feb 2023. How it affects your EMIs, FD rates and SIPs, explained simply.

Sep 29, 20268 min read

SIP vs Lump Sum in a Crash: What 2 Years of Data Says

SIP beat lump sum in every equity category over 2 flat years — small-caps: 14.25%. What the fresh ET data says, and what beginners should know.

Sep 28, 20267 min read

RBI Finished Draining ₹1 Lakh Crore From Banks Today: Why Your Bank Is Flush With Cash — and What It Means for FD and Loan Rates

RBI finished its ₹1 lakh crore bond-sale cash drain today. Why banks are flush with cash and what it means for your FD and loan rates — explained.

Sep 28, 20267 min read

New RBI Rule From October 1: Your Bank Must Publish Deposit Rates Every Morning — How to Use It to Get a Better FD

From October 1, 2026, banks must publish bulk deposit rates daily by 10:10 AM with uniform pricing across branches. Here's what changes for your FDs.

Sep 28, 20263 min read

Bank Strike Deferred: Banks Are Open Today — What the IBA–Union Deal Means

The Sep 28–30 bank strike is deferred, not cancelled. Banks are open today. Here's what IBA and UFBU agreed, the 5-day banking week demand, and what to watch next.

Sep 27, 20267 min read

SEBI's New Settlement Rules, Explained: A Formula for Penalties — and Investors' Money Back First

SEBI approved new settlement regulations for 2026: a penalty formula, fast-track route, and disgorgement first. What it means for investors.

Sep 27, 20269 min read

Festive Budget 2026: The 50-30-20 Plan That Survives Diwali

Dussehra is Oct 20 and Diwali Nov 8, 2026. Use the 50-30-20 rule to build a festive budget that survives GST 2.0 price cuts, credit cards and no-cost EMI traps.

Sep 27, 20266 min read

Bank Strike Sep 28–30: Banks Are Open TODAY (Sunday) — What to Finish Before the 3-Day Shutdown

A 3-day bank strike starts Sep 28. RBI has opened PSU bank branches today, Sunday Sep 27. What's open, what's shut, and your today-only checklist.

Sep 24, 20262 min read

Will UPI Be Charged? The MDR Row and October 2 'No UPI Day' Protest, Explained Simply

Traders call for 'No UPI Day' on Oct 2 over MDR on high-value UPI transactions. Will you pay for UPI? The truth, explained simply.