What your interest rate actually costs you
A 0.5% rate difference on a 20-year home loan adds up to over ₹3.8 lakh in total outgo. We walk through the exact calculation row by row so you can verify it yourself.
The maths, explained plainly
Fixed vs floating: which rate saves more?
How compounding erodes a 1% fee over time
Section 80C decoded: what actually qualifies
We compare total repayment under both structures across three rate-cycle scenarios. The answer depends on your tenure, not on which sounds safer.
A 1% annual management fee on a SIP looks small. Across 25 years it can consume 18% of your final corpus. The table is in the article.
Not every investment under 80C gives the same post-tax yield. We rank the eligible instruments by effective return so you can allocate with full information.
Term cover: how much is enough?
Prepayment penalties: read this before you pay early
FD vs debt mutual fund: the post-tax comparison
Most thumb-rules underestimate cover by 30–40%. We show the income-replacement calculation and let you run your own numbers before you buy.
Some lenders charge 2–4% on prepaid principal. We break down when early repayment still wins, and when it doesn't, with worked examples.
The headline FD rate looks higher until you apply tax. For investors in the 30% bracket, the gap often reverses. Here's the side-by-side table.