Kosh & Fin Episode 4 cover: The No-Cost EMI Trap

No-Cost EMI: Is It Really Free? The 4 Hidden Costs (Kosh & Fin Ep 4)

No-cost EMI cancels the interest, but GST, processing fees, a skipped full-payment discount and a blocked credit limit can add about 6% to your purchase. See the comic and the ... Read MoreRead More

0 Comments 25 October 2026
Is India’s Gold Loan Boom Cracking? What a Gold Price Fall Means for You (Kosh & Fin Ep 2): slide 1

Is India’s Gold Loan Boom Cracking? What a Gold Price Fall Means for You (Kosh & Fin Ep 2)

Gold has fallen about 23% from its peak. What that means for gold loans, top-up calls and auctions, why defaults elsewhere matter, and how to stay safe. ... Read MoreRead More

0 Comments 23 October 2026

Flat vs Reducing Balance Interest Rate: Why It Matters

Why a 10% flat rate costs about as much as an 18% reducing rate, with a worked example and how to compare loans fairly. ... Read MoreRead More

0 Comments 15 October 2026

Loan Foreclosure and Prepayment: When Does It Make Sense?

When paying off a loan early saves money, the charges to check (including the 2026 RBI rule), and what to do after closing a loan. ... Read MoreRead More

0 Comments 15 October 2026

How EMI Is Calculated (With Worked Examples)

The EMI formula explained simply, with worked examples for a personal loan and a home loan. ... Read MoreRead More

0 Comments 15 October 2026

Personal Loan Eligibility: Income, Score and Documents

What lenders check for a personal loan — income, existing EMIs, credit score and documents — and how to improve your chances. ... Read MoreRead More

0 Comments 15 October 2026