MoneyKit Blog
Long-form, worked-example guides on India personal finance — every post ends with the calculator that makes it real.
- Loans · 11 min read
SBI Home Loan 2026: Interest Rate, Eligibility, Documents, EMI
Complete SBI home loan guide — current rates by CIBIL, eligibility, documents, processing fee, tax savings, prepayment rules, and a live EMI calculator for FY 2026-27.
- Loans · 10 min read
SBI Personal Loan 2026: Xpress Credit Rate, Eligibility, Disbursal
SBI personal loan 2026 guide — Xpress Credit vs Xpress Elite vs Pension Loan rates, eligibility cut-offs by employer category, documents, processing time, and real EMI examples.
- Loans · 9 min read
SBI Car Loan Interest Rate April 2026 — Eligibility & EMI
SBI car loan interest rate April 2026 — from 9.05% p.a. for CIBIL 760+ salaried, up to 90% on-road funding, 7-year tenure, processing fee ₹7,500 cap, used-car variant. Current FY 2026-27 rates.
- Investments · 11 min read
UPS vs NPS 2026: Which Pension Scheme Wins for Govt Employees?
UPS vs NPS decision framework for Central Government employees — assured 50% pension vs market-linked corpus, lump-sum rules, family pension, and worked examples.
- Tax · 12 min read
CTC to In-Hand Salary India FY 2026-27: Complete Breakdown
How CTC converts to in-hand salary in India FY 2026-27 — basic, HRA, EPF, professional tax, income tax. Worked examples at ₹10L, ₹25L, ₹50L, ₹1 Cr CTC under both regimes.
- Tax · 11 min read
HRA Exemption India FY 2026-27: Section 10(13A) Rules + Worked Examples
HRA exemption under Section 10(13A) for FY 2026-27 — least-of-three formula, metro vs non-metro 50/40%, landlord PAN rules, worked examples across salary bands.
- Investments · 10 min read
Step-Up SIP 2026: How 10% Yearly Increase Doubles Your Corpus
Step-up SIP explained — why 10% annual contribution increase can double your corpus vs fixed SIP, ideal step-up rate by salary-growth profile, worked examples + calculator.
- Loans · 10 min read
HDFC Home Loan 2026: Interest Rate, Eligibility, Processing Fee
Complete HDFC home loan guide — current rates by CIBIL, eligibility, documents, processing fee (0.5%), turnaround time (24-48h), tax savings, and live EMI calculator.
- Loans · 10 min read
ICICI Home Loan 2026: Interest Rate, Eligibility, EMI & Documents
Complete ICICI Bank home loan guide — current rates by CIBIL, Express Home Loan, Money Saver (OD-linked) variant, eligibility, documents, processing fee, and live EMI calculator.
- Loans · 10 min read
Axis Home Loan 2026: Interest Rate, Eligibility, EMI & Documents
Complete Axis Bank home loan guide — current rates by CIBIL, Asha affordable housing, Happy Ending 12-EMI waiver, Power OD variant, eligibility, processing fee, and live EMI calculator.
- Loans · 10 min read
HDFC Personal Loan 2026: Interest Rate, Eligibility, Disbursal Time
HDFC Bank personal loan 2026 guide — Insta Personal Loan (10-sec disbursal), rates by CIBIL + salary, eligibility, processing fee, balance transfer, and live EMI examples.
- Loans · 9 min read
HDFC Car Loan 2026: Interest Rate, 100% Funding, Eligibility, EMI
Complete HDFC car loan guide — Xpress Car Loan (30-min sanction), rates by profile, 100% on-road funding, tenure options, used-car loan, documents, and live EMI calculator.
- Loans · 10 min read
ICICI Personal Loan 2026: Interest Rate, Eligibility, Instant Disbursal
ICICI Bank personal loan 2026 — Insta Personal Loan (instant credit), rates by CIBIL + profile, eligibility, documents, processing fee, balance transfer, and live EMI calculator.
- Loans · 9 min read
ICICI Car Loan 2026: Interest Rate, 100% Funding, Eligibility, EMI
Complete ICICI Bank car loan guide — Insta Car Loan, rates by profile, 100% on-road funding, new + used car variants, tenure, documents, and live EMI calculator.
- Loans · 10 min read
Axis Personal Loan 2026: Interest Rate, Eligibility, 24-Hour Disbursal
Axis Bank personal loan 2026 — Insta Loan, Burgundy / Priority rates, eligibility, documents, processing fee, balance transfer, and live EMI calculator.
- Loans · 10 min read
Kotak Home Loan 2026: Interest Rate, Eligibility, EMI & Documents
Kotak Mahindra Bank home loan 2026 guide — current rates by CIBIL, Home Saver OD variant, Privy League pricing, eligibility, documents, processing fee, and live EMI calculator.
- Loans · 10 min read
PNB Home Loan 2026: Interest Rate, Eligibility, EMI & Documents
Punjab National Bank home loan 2026 — current rates for govt / defence / women, PNB Housing Awas, eligibility, documents, processing fee (lowest in PSU), and live EMI calculator.
- Loans · 9 min read
Bank of Baroda Home Loan 2026: Interest Rate, Eligibility & EMI
Bank of Baroda home loan 2026 guide — Baroda Home Loan Advantage OD variant, current rates, eligibility for govt / salaried / self-employed, documents, processing fee, and live EMI calculator.
- Loans · 9 min read
Canara Bank Home Loan 2026: Interest Rate, Eligibility & EMI
Canara Bank home loan 2026 — Canara Smart Housing (OD), women / defence concession, rates by CIBIL, eligibility, processing fee, documents, and live EMI calculator.
- Loans · 9 min read
IDFC FIRST Home Loan 2026: Interest Rate, Eligibility & EMI
IDFC FIRST Bank home loan 2026 guide — current rates by profile, flexible digital onboarding, eligibility, processing fee, documents, and live EMI calculator.
- Loans · 12 min read
Best Home Loan India 2026: 9-Bank Rate & Feature Comparison
Compare home loan rates across SBI, HDFC, ICICI, Axis, Kotak, PNB, BoB, Canara, and IDFC FIRST for FY 2026-27. Rate tables by CIBIL, processing fees, OD variants, tax benefits, and decision framework.
- Investments · 11 min read
NPS vs PPF vs EPF 2026: Returns, Tax, Lock-In & Which to Pick
Compare NPS, PPF, and EPF for FY 2026-27 — historical returns, EEE / EET tax status, lock-in period, contribution limits, withdrawal rules, and which retirement account fits your profile.
- Tax · 14 min read
Tax Saving Guide India FY 2026-27: Every Deduction & When to Use
Complete tax-saving guide for India FY 2026-27 — every Section 80 deduction, old vs new regime decision, HRA / Section 24 / 80C / 80D / 80CCD / 80E worked examples, and optimal allocation by income band.
- Investments · 10 min read
How Much SIP for ₹1 Cr, ₹5 Cr, ₹10 Cr: India 2026 Maths
Exact monthly SIP required to build ₹1 Cr, ₹5 Cr, ₹10 Cr, or ₹25 Cr corpus — across 5, 10, 15, 20, 25, and 30 year horizons at 10%, 12%, 14% return assumptions. With step-up scenarios.
- Tax · 11 min read
Standard Deduction Old vs New Tax Regime FY 2026-27 India [Section 16(ia)]
Standard deduction old vs new tax regime FY 2026-27 India — ₹75,000 new regime, ₹50,000 old regime. Section 16(ia). Salaried + pensioners. How to claim, ₹12.75L zero-tax ceiling, worked examples across 8L/15L/25L/50L salary bands.
- Tax · 9 min read
New vs Old Tax Regime FY 2026-27: Which Saves More?
Compare new vs old income tax regime for FY 2026-27 with slab tables, Section 87A rebate math, and the break-even deduction threshold for salaried taxpayers.
- Loans · 8 min read
How EMI is Calculated: Formula, Worked Examples, Excel Sheet
The exact EMI formula every Indian bank uses, a worked example for a ₹50L 20-year home loan at 8.5%, and an Excel sheet + online-calculator comparison.
- Investments · 10 min read
SIP vs Lumpsum: When ₹10,000/month Beats ₹12L Upfront
Maths and the behavioural edge behind SIP vs lumpsum investing in India — rupee cost averaging, market-timing risk, and when each actually wins for a 10-year horizon.
- Tax · 9 min read
PPF vs ELSS vs Tax-Saver FD: Where ₹1.5L Goes Furthest Under 80C
Compare the three main Section 80C options on lock-in, returns, taxability, and post-tax corpus. A 30%-slab ready-reckoner for FY 2026-27 with worked numbers.
- Tax · 10 min read
Crypto Tax India FY 2026-27: Section 115BBH + 1% TDS
Section 115BBH 30% flat + 1% TDS u/s 194S decoded — airdrops, mining, staking, gifts, no-loss-offset rule, and the Form 26AS reconciliation every crypto investor misses.
- Loans · 8 min read
Home Loan Prepayment: Tenure Reduction vs EMI Reduction Math
When you part-prepay a home loan, should the bank reduce tenure or reduce EMI? The maths behind the choice, worked example on a ₹50L / 8.5% / 20-year loan, and the psychology that actually matters.
- Tax · 9 min read
GST in India FY 2026-27: Slabs, Forward vs Reverse Math
Every GST slab (0 / 0.25 / 3 / 5 / 12 / 18 / 28%), forward vs reverse calculation, CGST/SGST/IGST split, composition scheme, and the most common invoicing mistakes.
- Tax · 10 min read
Salary Structure India: CTC to In-Hand + HRA / Basic Optimization
Decode ₹X CTC into actual monthly take-home. Components, EPF wage cap, gratuity, HRA exemption math, and how basic-vs-HRA split affects tax for FY 2026-27.
- Forex · 12 min read
LRS TCS India: ₹7L Threshold for Education, Medical, Tour
Section 206C(1G) decoded — the 0.5% / 5% / 20% TCS rates for education, medical, tour, and general remittances, RBI $250K ceiling, bank margin math, and how to claim TCS back.
- Banking · 10 min read
FD Premature Withdrawal Penalty Calculator 2026 — India
FD premature withdrawal penalty calculator India 2026. Compute net maturity after the two-step haircut (reduced rate + 0.5–1% penalty) across SBI, HDFC, ICICI, Axis. Premature closure of FD explained with worked numbers.
- Loans · 9 min read
Home Loan Balance Transfer: When Switching Actually Saves Money
Break-even math on moving a home loan from Bank A to Bank B at a 50-75 bps lower rate, including processing fees + insurance, and when the savings do not beat the friction.
- Loans · 10 min read
Rent vs Buy in Indian Metros: Break-Even Math FY 2026-27
Proper apples-to-apples break-even between renting and buying a ₹1.5Cr Bangalore / Mumbai flat. Includes rent yield, opportunity cost, stamp duty, tax savings, and the 8-year rule of thumb.
- Investments · 10 min read
Emergency Fund India: How Much + Where to Park It
The 3-6-9 month emergency fund rule for India, split by job risk. Compare liquid funds, sweep-in FDs, savings accounts on return, liquidity, and tax — with real numbers.
- Investments · 9 min read
NPS Tier I vs Tier II: Retirement + Flexi Split FY 2026-27
Compare NPS Tier I (retirement, locked till 60, tax-advantaged) vs Tier II (flexi, withdraw anytime, no extra tax break). Subscriber math, 80CCD sections, annuity fine print.
- Tax · 11 min read
India Tax Deductions Reference: 80C / 80CCD / 80D + All Sections
Every Chapter VI-A deduction in one page: Section 80C / 80CCD / 80D / 80E / 80G / 80TTA / 80TTB / 24(b). Caps, overlaps, old vs new regime availability, FY 2026-27.
- Tax · 12 min read
Property LTCG: 12.5% No-Indexation vs 20% With-Indexation
The Budget 2024 taxpayer choice on property LTCG — 12.5% flat vs 20% with CII indexation. Break-even holding period, worked ₹1Cr→₹2.5Cr sale, pre-Jul-2024 grandfathering.
- Tax · 14 min read
ITR Filing India: Which Form + AIS / 26AS Reconciliation
Pick the correct ITR form (1 / 2 / 3 / 4) for your income mix, cross-check every TDS credit in AIS against Form 26AS, and file on time to avoid the 139(9) notice.