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· 10 min read · Fintelligent Editorial
PPF vs FD: Which One Should Your Savings Go Into?PPF and fixed deposits are both safe, but they work very differently. Here's how their returns, tax, lock-in and safety compare in 2026, with simple ₹ examples to help you pick.
· 11 min read · Fintelligent Editorial
Home Loan Prepayment: Should You Reduce Your EMI or Your Tenure?Got a bonus and want to pay off part of your home loan? Here's what prepayment does, why cutting your tenure usually saves far more interest than cutting your EMI, and when it makes sense to keep the money instead.
· 9 min read · Fintelligent Editorial
What Is the Repo Rate? Why One RBI Number Changes Your EMI and FD ReturnsThe RBI just raised the repo rate to 5.50%. Here's what the repo rate actually is, why the RBI moves it, and what it means for your home loan EMI, your FD and your monthly budget.
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