Loans
How borrowing works in India — EMI, tenure, prepayment and the true cost of a loan.
- How EMI Actually WorksAn EMI is fixed, but what sits inside it changes every month. Understanding that split explains almost everything else about borrowing.3 min read · Updated 9 August 2026
- How Loan Tenure Changes What You PayThe trade-off between EMI and tenure is not symmetric. Seeing the actual numbers usually changes the decision.3 min read · Updated 9 August 2026
- How to Reduce Your Home Loan EMIThere are five real ways to reduce what a home loan costs you. They differ in effort, in saving, and in whether they lower the instalment or the total.4 min read · Updated 9 August 2026
- How Much Home Loan Can You Get on Your SalaryLenders work backwards from the EMI they think you can service. Here is the arithmetic they use, and why the maximum is rarely the right number.3 min read · Updated 9 August 2026