Insurance & Loans
Policy ka wo page jo koi nahi padhta — hum wahi padhte hai. Term insurance, credit card ki fine print, CIBIL score, loan ke clauses — bina kuch beche, sirf samjhakar.
Articles
Health Insurance Kya Hai? Cover, Cashless Claim और 80D — पूरी जानकारी (2026)
Health insurance kya hai aur kaise kaam karta hai — individual, family floater, group aur top-up plan me fark, kitna sum insured lena chahiye, cashless claim kaise kare aur IRDAI ki 1-ghanta/3-ghante wali deadline, waiting period, GST 0% ke baad premium ka sach, aur 80D me kitni chhoot milti hai।
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Personal Loan Kaise Le 2026? Eligibility, CIBIL Score और असली APR
Personal loan kaise le 2026 me — FOIR se tay hota hai kitna loan milega, CIBIL score kitna hona chahiye aur wo rate me kitna farak dalta hai, KFS me APR kaise padhe, 1 January 2026 se prepayment ka naya RBI niyam aur usme chhipi shart, aur apply karne se pehle enquiry ki keemat।
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Parents Ke Liye Health Insurance — 60+ में Premium, Co-pay और 80D (2026)
Parents ke liye health insurance kaise chune — senior citizen plan me co-payment aur room rent sub-limit ka asli hisaab, IRDAI ka 10% premium-hike cap, 3 saal ka PED waiting, 60 mahine ka moratorium rule, GST 0% ke baad premium ka sach, aur 80D me ₹50,000 kis regime me milta hai।
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Education Loan Kaise Le? Moratorium का ब्याज, PM-Vidyalaxmi और 80E (2026)
Education loan kaise le — PM-Vidyalaxmi ka collateral-free loan aur 3% interest subvention, moratorium me simple vs compound interest ka asli fark, videsh bhejne par TCS ka naya niyam, aur byaj par milne wali bina-seema chhut kis regime me hai।
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Gold Loan Kya Hai? 85% LTV का सच और 2026 के नए RBI Rules
Gold loan kya hai, per gram rate kaise tay hota hai, 85% LTV ka asli matlab kya hai, bank vs NBFC interest rate 2026, margin call ka khatra, na chukane par gehne ki nilami ka process, aur loan chukane ke baad gehne 7 din me wapas na mile to ₹5,000/din muavza.
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Third Party vs Comprehensive Insurance — Kaunsa Lein? (2026 Rules)
Car aur two-wheeler insurance ka asli fark — kya cover hota hai kya nahi, TP premium rates, IDV, NCB, add-ons, aur 5 Aug 2026 ke Supreme Court order ka naya 4-saal/6-saal rule।
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Health Insurance Kya Cover Karta Hai, Kya Nahi
Waiting periods, room-rent sub-limit ka trap, aur exclusions ki poori honest list।
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Home Loan Lene Se Pehle Kya Dekhe
Floating vs fixed rate, LTV/margin money ka hisaab, aur Section 24(b) ka tax benefit।
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Term Insurance Kya Hai — Pure Protection Ka Poora Sach
Maturity payout kyu nahi milta (aur ye feature hai, bug nahi), cover kitna chahiye, aur claim settlement ratio।
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CIBIL Score Kya Hota Hai — Poori Samajh
4 bureau, scoring factors, aur RBI ki free full credit report — jo bahut kam log use karte hai।
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CIBIL Score Kaise Badhaye — Realistic Action Plan
Utilization ka snapshot-timing wala secret, purane card band na karo, aur score-fixing agents se bachiye।
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Credit Card Ke Fayde Aur Nuksan — Balanced Sach
Minimum-due ka trap poore hisaab ke saath, reward points ki asli value, aur ye tool kaise kaam karta hai।
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Credit Card Ki Fine Print — Chhupe Charges
Cash advance, forex markup, over-limit fee — clause padh kar, plain bhasha me translate kiya gaya।
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Personal Loan Lene Se Pehle — 5 Baatein
Flat rate vs APR, prepayment charges, aur default hone par recovery agent ke against aapke rights।
Padhiye →Is desk ko chalata kaun hai?
Policy ka jo page koi nahi padhta, Meera wahi padhti hai. Claim reject kyun hota hai, agreement me kya chhupa hai, kaunsa 'free' card free nahi hai — fine print se pakki jaankari.