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Bank manager ordered to pay Rs 2 lakh over missing property documents after loan closure

A bank manager in Hyderabad was ordered to pay Rs 2 lakh compensation for failing to return original property documents…

September 4, 2026 16:57 IST

Piramal Finance raises Rs 2,100 crore via QIP; board approves Rs 1,750 crore preferential issue

Piramal Finance raises Rs 2,100 crore via QIP and plans Rs 1,750 crore in warrants, taking total capital infusion to…

August 31, 2026 10:05 IST

Home loan insurance can be a good option for people who have a large home loan, are the sole earning member of the family, or don't already have adequate life insurance.

Home loan insurance: 5 things every homebuyer should know before opting for it

Home loan insurance is a protection plan linked to your home loan. If something unfortunate happens to the borrower such…

August 10, 2026 10:34 IST

For households, this means little immediate change. Existing borrowers should not expect any relief in EMIs, while deposit rates are likely to remain broadly stable.

Repo rate unchanged again: What it means for your home loan EMI and fixed deposit earnings?

The RBI has kept the repo rate unchanged at 5.25%, extending the pause after cutting rates by a cumulative 125…

August 5, 2026 11:29 IST

For under-construction properties, the quality of the project is as important as the home loan itself.

Buying an under-construction property with a home loan? Key things to check before you sign the loan agreement

Under-construction homes often offer attractive prices, but they also carry higher financial risks. Before taking a home loan, understand the…

August 4, 2026 20:27 IST

Unlike a regular home loan, where the borrower pays EMIs, a reverse mortgage enables the homeowner to receive periodic payouts or a lump sum against the property's value while continuing to live in the house.

Home loan outstanding at retirement: Should you repay it or choose a reverse mortgage?

The two options are meant for different situations. You should evaluate both options in the context of your retirement income,…

August 4, 2026 16:17 IST

Why a 'comfortable EMI' today can quietly become a financial trap tomorrow

Home loan stress test: 6 questions that reveal if your EMI is truly affordable

Rising interest rates, slower salary growth, medical emergencies and growing family responsibilities can quietly turn a comfortable EMI into a…

Updated: July 24, 2026 06:51 IST

The key principle is that the tax deduction follows the eligible housing loan and its utilisation, not merely the existence of a new loan.

Switched your home loan to another bank? Here’s how you could lose key tax deductions

Borrowers should report the eligible interest under the appropriate schedule relating to house property and claim principal repayment under section…

July 22, 2026 19:29 IST

Your home may be worth crores, but is it hurting your financial freedom?

A home worth crores may boost your net worth, but does it make you financially secure? This story explains the…

July 16, 2026 17:36 IST

Why your home loan EMI barely reduces your loan in the first few years

You may have been paying your home loan EMI for years, but your outstanding loan might not have reduced as…

July 14, 2026 21:18 IST

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

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