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₹40 Lakh Home Loan EMI for 20 Years at 8.5% Interest: Monthly Repayment, Total Interest and Prepayment Strategies
Key Points A ₹40 Lakh home loan at an 8.5% interest rate for a 20-year tenure requires an Equated Monthly Installment (EMI) of approximately ₹34,713. Over the full 20-year term,...
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Old vs New Tax Regime: Which Is Better for Your Salary Bracket in 2026? Complete Breakeven Analysis
Key Points Under the revised New Tax Regime (the default regime for FY 2025–26 / AY 2026–27), salaried employ…
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PPF vs Mutual Fund SIP: 15-Year Returns, Wealth and Tax Comparison Explained
Key Points Investing the maximum limit of ₹12,500 per month (₹1.5 Lakh/year) in a Public Provident Fund (PPF)…
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Home Loan Prepayment vs. Mutual Fund SIP: Which Is Better for Indian Borrowers?
Key Points Prepaying an 8.5% home loan delivers a guaranteed, risk-free post-tax return equal to your borrowi…
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CTC vs In-Hand Salary: What's the Difference and How Is It Calculated?
Key Points Cost to Company (CTC) is the total annual expenditure an employer spends on an employee, including…
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How Much Does an RBI Repo Rate Change Affect Home Loan EMI and Tenure?
Key Points All floating-rate retail home loans sanctioned by Indian commercial banks since October 2019 are l…
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₹5,000 SIP for 20 Years: Investment, Wealth Gain and Final Corpus Explained
Key Points Investing ₹5,000 every month for 20 years in a diversified equity mutual fund can grow into an est…
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