FD or Debt Fund: What Is Left After Tax
Comparing post-tax returns of bank fixed deposits and debt mutual funds under Section 50AA and Section 80TTB tax provisions.
Savingy Guide: explain, compare and decide
Plain guides to savings, deposits, cards, loans, tax, insurance basics and investing categories in India, each ending in a check you run with your own numbers.
Savings and deposits
Where to Keep an Emergency Fund: Savings Account, Sweep-In or FD
Compare savings accounts, sweep-in FDs, fixed deposits, and liquid funds to structure your emergency fund based on liquidity, DICGC protection limits, tax impact, and penalty costs.
Breaking an FD Early: What the Penalty Costs and How to Decide
Learn how premature fixed deposit withdrawal penalties work in India, what interest rate reductions apply, and how to evaluate whether breaking an FD early fits your finances.
Small Finance Bank FDs: Higher Rates and DICGC Insurance Limits Explained
Understand small finance bank fixed deposit interest rates, statutory DICGC insurance cover up to ₹5 lakh, TDS rules, and how to evaluate your deposit limits.
Credit cards
Paying only the minimum due: what it costs
Paying only the minimum amount due on a credit card avoids late fees, but unpaid balances roll over at interest rates of 36% to 42% per year. Here is what it costs in India and how to run your numbers.
Understanding Credit Card Annual Fees and Spend-Based Waivers in India
Learn how credit card annual fees and spend-based waivers work in India, what thresholds cost, and how to evaluate waivers based on your actual budget.
Turning a Card Bill into an EMI: Interest, Fees, and GST
Converting credit card purchases into EMIs breaks large balances into monthly instalments, but processing fees, reducing balance interest, and 18% GST on interest and charges increase the overall cost.
Card balance transfer: when the fee is worth it
Learn how to evaluate credit card balance transfer processing fees, interest rates, and EMI structures in India to determine when transferring debt delivers net savings.
Loans
How much home loan your income can carry
Learn how lenders evaluate your income, NMI, and existing debts to determine how much home loan your monthly earnings can safely carry.
Renting or Buying a Home in India: The Math Explained Both Ways
Understand the financial math of renting versus buying a house in India, including interest outlays, price-to-rent ratios, tax deductions, and investment opportunity costs.
Home Loan Balance Transfer: When a Lower Rate Pays for the Switch
A guide to understanding when a home loan balance transfer generates net financial savings, key costs, eligibility criteria, and how to evaluate your switch.
Prepay the Home Loan or Invest the Surplus: A Decision Guide for Indian Borrowers
Decide whether to prepay your home loan or invest your surplus capital by comparing interest savings, compounding potential, and tax impacts under Indian law.
Tax
The Extra NPS Deduction and When It Counts: A Complete Tax Guide
Learn how Section 80CCD(1B) offers an extra ₹50,000 tax deduction for NPS contributions over and above the ₹1.5 lakh Section 80C limit under the old tax regime.
Using the 80C limit before 31 March: Tax rules and deduction limits explained
Learn how Section 80C deductions, home loan principal repayments, NPS provisions, and health insurance limits function under the old tax regime before 31 March.
HRA Exemption: The Three Amounts and the Least of Them
Learn how House Rent Allowance (HRA) exemption is calculated using the least of three figures, how city classifications work, and how to evaluate your salary numbers.
Old or new tax regime: how to choose for 2026-27
A straightforward guide comparing the Old and New Tax Regimes for AY 2026-27, detailing slab rates, standard deductions, Section 87A rebates, and decision rules.
Insurance basics
Health Insurance Premiums and the 80D Deduction
Understand how Section 80D of the Income Tax Act allows tax deductions on health insurance premiums, preventive check-ups, and medical expenses under the old tax regime.
Health cover and the emergency fund: what each is for
Learn how health insurance and emergency funds serve complementary roles in an Indian household's financial plan, handling catastrophic hospital bills and immediate out-of-pocket cash needs.
Investing categories
Saving for a Child's Education: The Cost Then and Now
A comprehensive guide on understanding soaring education inflation in India, historical cost jumps, and how to plan finances for your child's schooling and higher studies.
PPF, NPS and ELSS: Lock-Ins, Tax and What Each Is For
A detailed guide comparing PPF, NPS, and ELSS in India, covering their lock-in periods, tax structures, costs, and how to choose based on your personal financial numbers.
Calculators · Product ratings · Editorial guidelines
For education only. The Savingy Guide explains how money products and decisions work in general terms. It is not financial, investment, tax, insurance or legal advice, and it does not recommend any product. Rules, rates and figures change, so check the current terms before you act, and speak to a qualified professional about your own situation.