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Punjab National Bank, Indian Bank raise lending rates after RBI repo rate hike — Here's what this means for customers…
After the RBI raised its repo rate to 5.50%, Punjab National Bank, Indian Bank, Bank of Baroda, Bank of India, Indian Overseas Bank and Tamilnad Mercantile Bank increased their lending rates. Here's what this means for customers…
2 min read7 Oct 2026Hybrid home loans offer rate certainty, but read the fine print
With the repo rate at 5.25%, hybrid home loans offer borrowers a way to lock in EMI certainty, but the premium can make floating rates the better bet.
8 min read13 Sep 2026Shift to small cities, digital applications: Tier 2 and Tier 3 cities account for 64% of home-loan volumes: Report
Smaller cities are set to drive India's next home loan growth wave, amid increased number of digital lending applications. Tier 2 and 3 cities accounted for 64% of the home-loan volumes in 2025, as per an industry report.
2 min read5 Sep 2026Blackstone-backed Aadhar Housing sees no need to raise capital for four years; bets on smaller towns to sustain growth
Rishi Anand, MD & CEO, said the lender's increasing presence in talukas and district centres is expected to strengthen growth without compromising asset quality.
3 min read3 Aug 2026Morgan Stanley bankers were pressured to approve mortgages for wealthy clients
Mortgage employees face backlash when questioning or rejecting loans. The bank says it hasn’t “compromised its underwriting standards.”
7 min read29 Jul 2026How balanced credit mix improves credit score, boosts loan eligibility, say experts
A healthy credit mix can improve your credit profile by showing responsible borrowing behaviour. Here's how secured and unsecured loans, timely repayments and low credit utilization influence credit scores constructively and help borrowers access better financial opportunities.
3 min read27 Jul 2026How to improve your credit score from 600 to 750 with smart financial habits and better credit management
A stronger credit score starts with smart habits. You can improve your credit score from 600 to 750 by repaying your debt obligations on time, keeping credit utilisation low, avoiding unnecessary applications and checking your credit report regularly for steady financial progress.
2 min read4 Jul 2026Home loan overdraft vs regular loan: When a higher interest rate can still save you lakhs
A home loan overdraft lets borrowers park surplus cash against their loan while retaining access to it. Here's when the potential savings outweigh the higher interest rate.
6 min read16 Jun 2026Use the 3/20/30/40 rule for home loans to buy a house without straining your finances
Avoid costly borrowing mistakes with the 3/20/30/40 rule for home loans as a guide to efficient home loan planning. This simple framework helps homebuyers manage EMIs, reduce debt burden and maintain long-term financial stability. It is prudent to consult a financial advisor while planning a loan.
2 min read14 Jun 2026How the spread impacts your home loan EMI
Understanding the spread can make the difference between assuming you are benefiting from an RBI rate cut and discovering that much of the benefit has been offset by the bank's pricing decisions.
8 min read10 Jun 2026Wait for it…
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