If your home loan is complete, and you don’t want to take another loan again and repeat the Earn-EMI cycle (to purchase the next property), then what should you do next? You now have surplus money left over each month…
Read More Home Loan Done? How to Use Freed-Up EMI Money? – Economic Times Wealth (19-Oct-2026)
Most home loan borrowers treat their interest rate like the weather: the bank announces it, they accept it, and they get on with paying the EMI. That habit can quietly cost you lakhs over the life of the loan, and…
Read More Use your Improving Credit Score as a Negotiating tool to Save Lakhs in Home Loan Interest
I was recently quoted in the Economic Times in an article titled "Best time to prepay your home loan? 5 tips to save lakhs from your home loan prepayments" Here is the link to the online version of the article…
Read More Quoted (Economic Times) – Best time to prepay your home loan?
I was recently quoted in Moneycontrol in an article titled "Home loan dilemma: Should you prepay or invest after repo rate cut?" Here is the link to the online version of the article - Link And here are a few…
You take a 20-25 year home loan and then you want to get rid of it as soon as possible. And to do that, you start making regular prepayments. I have written about the best home loan prepayment strategies several…
Read More Should Everyone Try to Prepay their Home Loans Fast?
Here is a easy-to-use Home Loan EMI Ready Reckoner for Rs 10 lakh loan with different tenure/rates. You can use it to quikcly estimate your monthly EMIs when you take a home loan: You can also use this free-to-dowload excel-based…
Read More Home Loan EMI Ready Reckoner (for Rs 10 lakh loan) with different tenure/rates (2025)
Recently, I was quoted in the Economic Times in an article titled "Want a longer home loan tenure of 40 years for lower EMIs? Be ready to pay 133% higher interest" Here is the link to the full article -…
Read More Quoted (Economic Times) – Want a longer home loan tenure of 40 years for lower EMIs?
Recently, I was quoted in Moneycontrol in an article titled "Lenders are extending home loan tenor to 40 years: Should you opt for a home loan with longer tenor?" Here is the link to the full article - link
When you take a floating-rate home loan from your bank, they generally don't inform you about any changes in interest rates. More so, they are super fast in passing on the increase in rates (due to repo rate hikes) but…
Read More Bank WON’T inform you about Changes in floating Home Loan Rates
A little can go a long way. If you have taken a large home loan and are wondering how to repay it quickly, then one small effort from your side can go a long way. Pay one extra EMI every…
Read More Paying 1 Extra EMI Every Year: How it helps Prepay Home Loan Faster?
A distant relative recently needed money to help his family members. Though he did have some savings in form of an emergency fund, he didn’t want to exhaust it all immediately. I offered to help but he wasn’t very comfortable…
Read More Choosing between Instant Personal Loans vs Credit Cards
Buying a house is what Indians are obsessed about. And some stretch this obsession to buying multiple houses. Even if it means being neck-deep in loans and then servicing them for years. But nevertheless, people do buy homes for personal…
Read More Have 2 Home Loans? Tax Benefits On Second Home Loan (2025)
While most people nowadays need a home loan to purchase a house, there is one particular type of home loan for which I regularly get queries – SBI MaxGain Home Loan. It is a kind of Home Saver Loan available…
Read More SBI MaxGain Home Loan | Benefits, Features & Review (2026)
How to quickly Prepay 25-year Rs 1 Crore home loan in a few years. House purchase in India (2025) is one of the biggest decisions for most people, both financially and emotionally. So if you have purchased a house with…
How much income tax you can save on buying an electric car in India (2023)? Slowly but surely, electric vehicles and hybrid vehicles are gaining traction in India over the last few years. And the government too is promoting them…
Read More What are Tax Benefits on Electric Vehicle Loans in India (2023)?
