Don't judge an expensive gadget only by its EMI cost; also consider how many years it will remain useful after you've finished paying for it.
Too many EMIs draining your salary? Ramalingam Kalirajan explains the safe borrowing limit that protects your income from a dangerous debt trap.
Lucknow police have arrested two individuals for allegedly abducting a youth and holding him captive for four days over an unpaid mobile phone instalment. The victim was reportedly forced to do labour work and had one unit of blood drawn against his will and sold. The accused, one of whom worked for a credit services company, also allegedly extorted money online from the victim.
Used-car financing has seen significant growth, but borrowers must be aware of higher interest rates, conservative loan-to-value ratios, shorter tenures, and the risk of owing more than the car's depreciated value. Understanding these factors is crucial for making informed decisions.
Argentine footballers Lautaro Martinez, Leandro Paredes, Emiliano Martinez, and Alexis Mac Allister have paid emotional tributes to Lionel Messi following his announcement to retire from international football, reflecting on his profound impact on their careers and the national team.
Under bullet repayment, the principal remains outstanding and unpaid interest raises the liability over time. This makes the LTV ratio more vulnerable to a sharp fall in gold prices.
List all unavoidable expenses such as rent, groceries, transportation, education and medical bills.
Lionel Messi has made the 2026 Ballon d'Or shortlist after another prolific season, while five-time winner Cristiano Ronaldo was omitted despite helping Al-Nassr secure the Saudi Pro League title.
It's not about how much you earn -- it's about how you borrow and repay.
Tamil Nadu Chief Minister C Joseph Vijay has accused the opposition DMK of organised corruption and illegal collection of "party funds" during its previous regime, citing Enforcement Directorate documents. The allegations, which named former CM M K Stalin and his deputy Udhayanidhi as beneficiaries, led to a major ruckus in the Assembly.
Chelsea, under new manager Xabi Alonso, has shown renewed attacking vigour with two Premier League wins and a League Cup victory, highlighted by a 4-3 win over Brighton, but defensive vulnerabilities persist, with the team failing to keep a clean sheet in 18 league games. The arrival of World Cup-winning goalkeeper Emi Martinez is expected to bolster the backline.
Arsenal successfully defended their Premier League title challenge by defeating Chelsea 2-1, recovering from an early concession with goals from Kai Havertz and captain Martin Odegaard, maintaining a perfect start to the season.
'Users should protect their savings goals before allocating money to discretionary expenditure.'
The new Champions League season kicked off with star performances from Kylian Mbappe and Erling Haaland, securing wins for Real Madrid and Manchester City, respectively. Jose Mourinho's Madrid overcame Inter Milan, while City defeated Porto. Other matches saw Borussia Dortmund, Real Betis, Aston Villa, and AEK Athens also claim victories.
The Bombay High Court has ruled that both earning partners must contribute to household and child's education expenses to maintain a lifestyle, reducing a man's monthly maintenance payment to his estranged wife and son. The court emphasised that equality cannot be claimed selectively, especially when both parties are earning.
Rs 299,900 can buy you Apple's first foldable iPhone. Or it can buy you a passport full of memories, a suspiciously large holiday wardrobe and enough airport coffee to develop a personality.
India's passenger vehicle sales are estimated to have surged by approximately 35 per cent to about 4.5 lakh units in August, driven by strong performances from major automakers like Maruti Suzuki India, Tata Motors Passenger Vehicles, and Mahindra & Mahindra, with the industry entering the festive season with optimism.
Bukayo Saka's second-half goal secured a 1-0 victory for Arsenal against Aston Villa, marking their second consecutive win in the Premier League season.
The most financially successful borrowers will not necessarily be those who have the easiest access to credit. They will be the ones who understand how to manage it wisely
For millions of Indians, this number has become one of the most important financial indicators. It can influence not only whether a bank approves a loan but also the interest rate you pay, the credit limit you receive and, in some cases, how quickly your application is processed.
The Realme Narzo 100x 5G has arrived with a strong focus on battery life and durability.
Vivo T5 Lite 5G has made its debut with a feature-packed specification sheet aimed at budget-conscious buyers.
Education loan defaults carry serious consequences. Credit bureaus record missed payments against both the student and the co-borrower, usually a parent.
Flipkart-backed Scapic Innovations, operating as super.money, has launched splitStore, a credit-linked e-commerce platform targeting Gen Z. It allows customers to split payments into interest-free installments, with the goal of contributing 20% to total revenue by December and transforming how India shops by providing instant access to products for new-to-credit users.
An employee whose financial future is 60-80 per cent dependent on a single company's growth trajectory has no genuine safety net.
A simple SIP-first approach can help reduce debt, avoid EMIs and build lasting financial freedom through disciplined spending, advises Ramalingam Kalirajan
A Mumbai consumer court has directed Flipkart and its seller to refund over Rs 1.11 lakh to a customer who received beard growth oil instead of an Apple iPhone, and to pay an additional Rs 70,000 in compensation and litigation costs, citing "unfair trade practice" and "deficiency in service."
The scheme, called 'Suhana Safar', targeted customers who aspire to own a car but were hesitant because of concerns around arranging the down payment or managing future EMI obligations.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Udaipur's Dilip Shah reveals why he is so proud of his father. A Father's Day Special.
Pre-listing shareholder lock-ins for 53 companies, valued at $11 billion, are set to expire between July and September, according to an analysis by Nuvama Institutional Equities, though not all shares are expected to flood the open market.
Taxability in property transactions depends on the actual source of funds and beneficial ownership, not on whose name appears in the purchase agreement.
One 97 Communications Ltd, operating Paytm, is set to issue its first bonus shares, following a landmark year of achieving its maiden full-year profit and gaining significant market share. The board will meet on July 20 to decide on the bonus issue, reflecting confidence in its financial strength and aiming to improve stock accessibility for retail investors.
EMI means you've already spent tomorrow's income; SIP means you're investing today's income to secure tomorrow, explains Ramalingam Kalirajan
If you have ever said 'I'll sort retirement later,' now is when 'later' begins.
Credit card adoption is rapidly expanding beyond India's major metropolitan areas into Tier-II and Tier-III cities, driven by increasing incomes, digital awareness, and the integration of RuPay credit cards with UPI, according to a new report by SBI Card.
Lionel Messi made history by scoring in his seventh consecutive World Cup match, leading a second-string Argentina to a 3-1 victory over Jordan in their Group J clash in Dallas. Goals from Giovani Lo Celso and Lautaro Martinez also contributed to Argentina's win, setting them up for the round of 32.
Students and families must stress test repayment capacity based on Indian salary standards.
LAMF allows investors to access liquidity while staying invested.
An Home Loan Protection Plan repays the outstanding loan if the borrower dies or suffers a covered disability.
