Guide to Indian Personal Finance, Budgeting, Investing, Insurance, Tax Planning, Estate Planning and Retirement

Debt Management

Articles on paying off debt, managing loans, and making smart borrowing decisions.

Debt Avalanche vs Snowball: Which Strategy Works Best?

Posted on January 28, 2026 in Debt Management

For individuals managing multiple credit lines such as credit card dues, personal loans, and car loans, choosing the right repayment strategy is essential to minimize interest outflow. The Avalanche method prioritizes highest interest rates while the Snowball method targets smallest balances first.

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Rent vs Buy: The 2026 Indian Real Estate Dilemma

Posted on January 20, 2026 in Debt Management

Real estate markets in Tier-1 cities like Mumbai, Bengaluru, and Delhi-NCR have seen price appreciation that outpaces rental growth. With rental yields hovering around 3.13% and home loan rates at 8.5-9%, the math tells an interesting story.

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Loan Against Securities: The Hidden Danger in Your Portfolio

Posted on January 15, 2026 in Debt Management

Many investors take Loan Against Securities to get cash without selling stocks. Sounds clever, but it can blow up in your face. When the market drops and your LTV crosses 50%, you get a margin call and 24-48 hours to fix it or the lender sells your shares at market lows.

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