Lalita Devi 
Buying your first home is a dream come true — but it’s also a journey full of questions, paperwork, and financial decisions. Most first-time buyers unknowingly commit several Home Loan Mistakes that result in higher interest, multiple penalties, loan rejection, or unnecessary stress. This expanded guide for EMICalculator24 readers explains everything in a simple, practical, and … Read more
Your credit score is more than just a number 💳 — it’s a reflection of how responsibly you handle money.A strong score can unlock lower interest rates, faster loan approvals, and better credit card offers. But here’s the truth 💡 — most people lose valuable points not because of big blunders, but due to common … Read more
Many self-employed people face this issue — they earn well but don’t have an income tax return (ITR). Most banks ask for ITR as income proof before giving a loan. So, is there any way to get a personal loan for self employed without ITR? Yes! 💡 It’s possible. This guide explains simple steps, documents, … Read more
Closing your loan early can help you save thousands in interest 💸 and reduce your monthly stress. Whether it’s a home loan, car loan, or personal loan, knowing how to close loan early without penalty can make a huge difference to your finances. Many borrowers rush into prepayment without understanding bank rules or penalty clauses. … Read more
When it comes to managing your finances, knowing the difference between short term vs long term loans can make a huge difference 💸. Choosing the right loan type helps you save money, reduce stress, and achieve your financial goals faster. In this guide, we’ll explore short term vs long term loans, highlight their pros and … Read more
Planning for your retirement is one of the smartest financial steps you can take! 👏In India, two popular choices for retirement savings are EPF (Employees’ Provident Fund) and NPS (National Pension System). Both help you build a secure future 🏦 — but they work differently. Let’s explore the difference between EPF vs NPS and see … Read more
If you’re using a credit card in 2025 and not tracking your credit card reward points, you’re leaving money on the table. These points are like hidden savings that build up every time you swipe your card — and yes, they can be redeemed for exciting benefits like cash, vouchers, travel discounts, and more. In … Read more
Looking to increase credit limit without hurting score? 🏦 You’re not alone! Whether you want to improve your credit score, get more flexibility in your spending, or simply have a safety net for emergencies, a higher credit limit can be a great tool. But, just like with anything else in finance, it’s important to do … Read more
Don’t have a credit score or your score is low? 😟No problem! 💡 Getting a loan without credit score in India is still possible. You just need to know the right way. In this guide, we’ll share simple, step-by-step tips to help you get approved for a loan — even if you’re just starting your … Read more
Why EMIs Are a Burden for Middle-Class Families Every month, lakhs of middle-class families in India struggle with their loan EMIs. Whether it’s a home loan, education loan, or personal loan, these high monthly payments often disturb the family’s overall budget. But here’s some good news: there are multiple government schemes to reduce EMI that … Read more