Topic hub
Loans: rates, eligibility and traps
The Indian credit map — how floating rates price off the repo, the full cost stack, home and gold loan mechanics, and the zero-penalty right.
Borrowing basics
Pillar guideLoans in India: How Borrowing Really Works (2026 Guide)How loans in India actually work: repo-linked pricing, typical rates for every loan type, EMI amortisation maths, hidden costs and RBI borrower rules.
- Home Loan Rates and Eligibility: The 2026 Guide
Home loans in 2026 explained: repo-linked rates at major banks, LTV norms, FOIR eligibility, tenure maths, zero-penalty prepayment, PMAY status and transfers.
- Gold Loan Guide: Rates, LTV Rules and Risks (2026)
How gold loans work in 2026: RBI LTV rules, bank and NBFC rates, per-gram maths, bullet versus EMI interest, auction rules on default, and when to sell instead.
3 guides, organised. Each guide lives in exactly one topic; post URLs never change. All banking guides