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The era of 'permanent EMI generation': Has debt become a way of life?

The rise of India’s permanent EMI generation: Why debt has become a way of life

EMIs have become a permanent part of monthly budgets for many salaried Indians. From home loans and car loans to…

July 9, 2026 19:11 IST

Avoiding a home loan can become financially inefficient when paying the entire property cost in cash leaves you with limited liquidity and little room to invest for the future.

The hidden cost of a debt-free home: When avoiding a loan hurts your finances more than interest?

A debt-free home offers peace of mind, but it may come at a hidden financial cost. Here’s when taking a…

July 8, 2026 16:26 IST

Individuals should not make decisions just based on comparing the home loan interest rate with equity returns.

SIP top-up or home loan prepayment: What’s the smarter use of your salary hike?

A salary hike is an opportunity for individuals to strengthen their overall financial position as it creates additional surplus cash…

July 1, 2026 17:34 IST

Buyers not confident about the "No EMI Till Possession" scheme can look for alternatives such as choosing a ready-to-move-in property, maintaining a higher down payment, selecting a property by credible developers, or opting for a construction-linked disbursement plan.

Buying a home with ‘no EMI till possession’? Don’t miss these fine-print risks

The “No EMI Till Possession” primarily suits buyers who live on rent and cannot handle the rent and full EMI…

June 12, 2026 12:36 IST

Home loan hack: How Rs 1 lakh annual prepayment can save Rs 15 lakh-plus in interest on a Rs 50 lakh loan

A Rs 50 lakh home loan at 8% for 20 years comes with an EMI of around Rs 41,822 and…

June 11, 2026 14:59 IST

Home loan rates are not immediately affected by changes in RBI repo rates since banks determine MCLR rates internally. Banks are required to review and update their Marginal Cost of Funds-based Lending Rate (MCLR) every month, as mandated by the RBI.

MCLR vs EBLR: Which home loan rate regime works better, and when do banks reset interest rates?

Nowadays, the majority of floating-rate home loans are linked to either the External Benchmark Lending Rate (EBLR) or the Marginal…

June 11, 2026 08:12 IST

Home loans from 7.05%: Why borrowers in Delhi-NCR, Mumbai are taking bigger loans despite stable rates?

Overall, the Indian home loan market is in a sustained growth phase. Simranjeet Singh, CEO, SME and Retail Business, Anand…

June 8, 2026 21:08 IST

RBI Holds Repo Rate at 5.25%: Why Homebuyers Should Lock In Current Mortgage Rates Now

Make use of stable interest rates to lock into a home loan now

If input costs or interest rates begin to rise, this window could narrow

June 5, 2026 23:07 IST

Though the central bank maintained the status quo, home loan borrowers are still benefiting from the central bank's earlier easing cycle, even though the RBI paused interest rates during its June 2026 Monetary Policy Committee (MPC) meeting.

RBI keeps repo rate unchanged, but the EMI benefit remains: Savings on a Rs 50 lakh home loan explained

For both new borrowers and MCLR-linked home loan borrowers, the RBI’s June 2026 decision means stability rather than relief.

June 5, 2026 12:08 IST

Prepaying your loan could cost you a fortune in lost growth. Is it still the right thing to do?

Should you use extra money to repay your loans or start investing? The answer depends on the type of debt,…

May 20, 2026 06:35 IST

Rs 50 lakh home loan: How saving Rs 5,000 monthly in EMI costs you Rs 34 lakh extra

A lower home loan EMI may feel easier on your monthly budget, but stretching the tenure can quietly increase your…

April 28, 2026 13:43 IST

How hidden lifestyle spending and Rs 4 lakh debt almost broke a Bengaluru household. (AI-generated image from Gemini)

She maxed out his credit cards. Now he is paying for financial infidelity on EMI

A Bengaluru professional discovers his credit cards were quietly maxed out by his spouse. What begins as emotional betrayal quickly…

April 10, 2026 05:30 IST

RBI keeps repo rate at 5.25%: No EMI cut now, but home loan borrowers still saving Rs 7–14 lakh - here's how

RBI policy: No EMI cut now, but home loan borrowers still saving Rs 7–14 lakh – here’s how

The RBI has kept the repo rate unchanged at 5.25% in the April 2026 policy, pausing its rate-cut cycle amid…

April 8, 2026 12:03 IST

Iran–US–Israel conflict has added a new angle of uncertainty to NRIs (AI- generated image)

Why NRIs home loans in India under strain as Iran war escalates? Experts answer

Iran–Israel–US war impacts NRIs with home loans in India as EMIs rise, remittances slow and tax choices matter, experts explain…

Updated: April 4, 2026 17:58 IST

RBI steps in as loan recovery complaints rise; draft rules on agents coming soon

Big relief for borrowers: RBI to tighten loan recovery agent rules, offer up to Rs 25,000 cover for fraud losses

Facing a surge in complaints over harassment by loan recovery agents, RBI is set to issue fresh draft guidelines to…

February 6, 2026 13:32 IST

RBI leaves repo rate unchanged: What it means for home loan borrowers

RBI policy: After 125 bps cut, Reserve Bank keeps repo rate unchanged: What it means for your home loan EMIs

RBI has kept the repo rate unchanged at 5.25% after cutting it by 125 bps in 2025. Home loan EMIs…

Updated: February 6, 2026 12:16 IST

Metro rail expansion eases home loan stress: EAC-PM

A new working paper by the Economic Advisory Council to the Prime Minister (EAC-PM) found that improved metro connectivity has…

January 16, 2026 22:37 IST

Lower repo rate link to lending

Interest rates do affect growth in credit, but may not be the clinching factor.

December 23, 2025 07:56 IST

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