Guides & explainers
Short, honest explainers on how money and telecom products actually work in India — how a sum insured is sized, what a flat interest rate really costs, why a low NAV isn't "cheap", and more. These are informational only: no advice, no guarantees, just the mechanics so you can compare for yourself.
How much health cover (sum insured) do you actually need in India?
A plain look at what drives the right sum insured for a health (mediclaim) policy in India — city hospital costs, family size, and top-up cover — so you can reason about the number instead of guessing.
InsuranceTerm vs endowment vs ULIP — what's the difference?
Three life-insurance products that are often confused. This guide separates pure protection from products that bundle insurance with saving or investing, and explains where the cost goes in each.
Credit CardsHow credit-card reward rates and fee waivers really work
Reward rates, redemption value and annual-fee waivers decide whether a card is worth carrying. This guide explains how to read them and estimate a card's net value for your own spending.
Personal LoansPersonal loan EMI, flat vs reducing rate, and the real cost
Two loans can quote the same 'rate' and cost very different amounts. This guide explains flat versus reducing-balance interest, how the EMI is built, and why the APR and fees are what to compare.
Mobile PlansPrepaid vs postpaid, and how to size your data pack
Whether prepaid or postpaid is cheaper depends on how you use your phone. This guide explains the real differences and how to size a daily data allowance so you neither overpay nor run out.
Mutual FundsExpense ratio, NAV and why past returns aren't a promise
Three of the most misread numbers on a mutual-fund page. This guide explains what the NAV and expense ratio actually mean, and why trailing returns describe the past rather than predict the future.