What changed, and what it means for you
RBI decisions, tax rules and loan and card terms. Every post is dated, cites its sources and links to the guide or calculator that goes deeper.
RBI Prepayment Rules 2026: Which Loans Have No Charges
One RBI rulebook now covers banks, NBFCs and co-operative banks. Floating-rate home loans and many small-business loans can be prepaid free, with no lock-in.
- Credit score · 4 min read
How Often Is CIBIL Updated? RBI’s 15-Day Rule Explained
Since January 2025, lenders must report your repayments to credit bureaus twice a month. Here is when a payment or closure actually shows up in your score.
Guide: How to check your CIBIL score for free - Tax · 5 min read
Income-tax Act 2025: What Changes for Salaried in 2026-27
Slabs and deduction limits are the same. The vocabulary, the section numbers and the HRA city list are not. Here is what to do differently this year.
Guide: HRA exemption calculationCalculator: Old vs new tax regime calculator - RBI & rates · 5 min read
Repo Rate Raised to 5.50%: What It Means for Your Home Loan EMI
RBI raised the repo rate to 5.50% in October 2026, its first increase since February 2023. Repo-linked home loans will cost about 0.25 points more from their next reset.
Guide: Home loan interest ratesCalculator: Prepayment calculator: EMI vs tenure