Tag: EMI
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Hidden Costs of Borrowing: CA Warns About Excessive EMI Burdens
In today’s high-pressure consumer economy, it’s often not a bigger salary but smarter personal finance habits that determine who achieves real financial freedom. That is the core message tax expert CA Nitin Kaushik delivered in a new post on X (formerly Twitter), where he cautioned that Indians are increasingly losing control of their lifestyle to EMIs rather than expenses. Kaushik, known for…
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Smart Home Loan Strategy: Save ₹12.18 Lakh with a Small EMI Adjustment
Smart planning can dramatically shorten your home loan tenure — and help you achieve financial stability and freedom years ahead of schedule. A small tweak in how borrowers schedule their EMI payments, according to tax and finance expert CA Nitin Kaushik, could shave off several years from a typical 20–30 year mortgage while saving several lakhs in interest…
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Revolutionizing Borrowing: The Impact of Embedded Finance and EMI Cards in India
India’s lower-middle class is moving from borrowing for survival toward borrowing for advancement, signalling a decisive cultural shift in credit behaviour, according to the seventh edition of Home Credit India’s annual How India Borrows (HIB) study. Representing nearly two-thirds of the population, this segment is increasingly using credit to improve living standards, invest in entrepreneurial…
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Impact of RBI Repo Rate Cut: PNB Reduces Home Loan Rate to 8.10% – Will Your EMI Decrease?
Last Updated:December 07, 2025, 15:18 IST Punjab National Bank cut its Repo Linked Lending Rate to 8.10 percent after RBI reduced the repo rate to 5.25 percent. Indian Bank and Bank of India also lowered home loan rates. PNB Home Loan Rate 2025 RBI Repo Rate Cut Impact: State-owned Punjab National Bank on Saturday (December…
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Unlocking Financial Clarity: The Essential Role of Business Loan EMI Calculators
Others Specials Understanding your repayment plan matters before you apply for credit. A business loan EMI calculator shows you monthly repayment amounts instantly. It provides clear visibility into borrowing costs. You see the financial commitment before making any decisions. The Role of a Business Loan EMI Calculator A business loan EMI calculator computes your Equated…