Guides
Guides
Money guides for India.
Explainers that show you the math, name the rules, and skip the sales pitch.
FD guides
Fixed deposits, explained.
Rates, tax, FD types, FD vs RD — everything you need before locking in a deposit.
Home loan guides
Borrowing for a home.
Eligibility, construction loans, prepayment, balance transfer — the rules behind the EMI.
Car loan guides
On the road, on a loan.
Down payment, on-road costs, foreclosure rules, and interest rates by bank.
Mortgage (LAP) guides
Property as collateral.
Loan-against-property interest rates, foreclosure rules under the 2025 RBI directions.
Common questions
About the guides catalogue.
Plain-English explainers on Indian fixed deposits, home loans, car loans, and mortgages (LAP). Each guide combines the rules (RBI policy, tax sections, statutory caps), the math (verified with worked examples), and bank-by-bank comparisons where relevant. Guides are written to answer the question on your mind, not to sell a product.
Yes. Every guide is free, with no paywall, no premium tier, no email-gate. There is no sign-up to read any guide.
Each guide shows the last-updated date below its title. Bank deposit and loan rates are verified against each bank's own official deposits or loan page on that date. Policy guides reflect the latest RBI circulars and Income Tax Act provisions — including the RBI Pre-payment Charges on Loans Directions, 2025 (effective 1 January 2026) which is reflected across the foreclosure and balance-transfer guides.
PaisaMath editorial. We track RBI MPC announcements, NSE, BSE and MCX circulars, and Union Budget updates monthly; bank rates are re-verified quarterly. Every claim with a statutory anchor (LTCG rate, DICGC cap, TDS threshold, prepayment rule) is linked to either the source document or the relevant Act or section.
Rate-list guides (best-FD-rates, highest-FD-rates, home-loan rates, car-loan rates, LAP rates) are refreshed quarterly; the last-verified date is shown below each guide's title. Policy guides (foreclosure rules, balance transfer, PMAY) are updated whenever the underlying RBI direction or government scheme changes. Everything else gets reviewed when a Union Budget changes a rate or section number.
Run the numbers