Guides for India's money & energy decisions
Plain-language, brand-independent study material on borrowing, credit scores, rooftop solar, inverters, batteries and EV financing — written for the Indian context.
Loans & Credit
How borrowing really works in India — credit scores, interest, EMIs, RBI rules and safe digital lending.
- Your credit score in India, explained (CIBIL & beyond) — What a CIBIL/credit score is, how the 300–900 range works, what moves it, and practical steps to improve it — for Indian borrowers.
- Personal loan in India: a before-you-borrow checklist — Eligibility, interest, fees, the RBI Key Fact Statement and the traps to avoid — a neutral checklist before taking an unsecured personal loan.
- EMI, flat vs reducing-balance interest, and APR — Why a "low" flat interest rate can cost nearly double a reducing-balance rate, how EMIs are built, and why APR is the number that matters.
- Loan marketplaces vs going direct: how aggregation works — What a loan aggregation platform does, how it differs from applying at one bank, and how to use one without hurting your credit score.
- Safe digital borrowing: spotting legit lenders and loan-app frauds — RBI digital-lending rules in plain language, the warning signs of a predatory loan app, and how to borrow safely online in India.
- Documents and KYC you need for a loan in India — The identity, address, income and bank documents lenders ask for — and how e-KYC (Aadhaar, DigiLocker, Video-KYC) speeds it all up.
- How to improve a low credit score: a practical 90-day plan — A step-by-step, India-specific plan to raise a low CIBIL/credit score — fix report errors, cut utilisation, build history — and realistic timelines.
- MSME & business loans in India: Mudra, CGTMSE and Udyam — A plain-language guide to small-business finance in India — Mudra (Shishu/Kishore/Tarun), collateral-free CGTMSE cover, Udyam registration, and what lenders check.
- Gold loan guide: LTV, per-gram rate and RBI rules — How gold loans work in India — loan-to-value cap, how the per-gram rate is set, repayment options, auction risk, and gold loan vs personal loan.
- Loan Against Property (LAP) explained — What a loan against property is, how much you can borrow, why the rate is lower than a personal loan, the risks, and who it suits — in the Indian context.
- Loans for the self-employed (with or without ITR) — How self-employed and business owners in India can qualify for a loan — income proof via ITR, bank statements or GST, and options when you have no ITR.
- Prepayment & foreclosure charges: your RBI rights — When you can close a loan early for free in India, when charges apply, and how part-prepayment saves interest — the RBI rules on floating vs fixed loans.
- Bank vs NBFC: who should you borrow from? — The real differences between banks and NBFCs in India, the rules both must follow, and when each is the better place to take a loan.
- Loan rejected? Why it happens and what to do next — The common reasons loan applications are declined in India — score, FOIR, income, document mismatches — and a calm, step-by-step recovery plan.
Solar & Rooftop
Going solar at home or work — sizing, cost, subsidies, net metering and payback, explained plainly.
- Rooftop solar in India: sizing, cost and payback — How much roof and money a home solar system needs, how many units a kW generates, and how to think about payback in Indian conditions.
- Solar subsidy & net metering in India (PM Surya Ghar) — How the residential rooftop-solar subsidy works, the national portal process, and how net metering credits your surplus power.
- On-grid, off-grid or hybrid solar — which fits you? — The three rooftop-solar configurations compared: cost, backup during outages, batteries, net metering and who each one suits.
Inverters & Batteries
Backup power done right — inverter sizing, battery chemistries and what actually lasts in Indian conditions.
- Home inverter & battery sizing guide (VA and backup) — How to calculate the inverter VA rating and battery capacity you actually need for your load and backup hours — with the simple formulas.
- Lithium vs tubular lead-acid batteries for homes — Cycle life, depth of discharge, maintenance, weight, safety and cost compared — so you can choose the right home-backup battery for Indian conditions.
EV & Battery Finance
Electric mobility from the ground up — battery basics, ownership vs swapping, and how to finance it.
- EV battery basics: chemistry, life, and swap vs own — How EV batteries work, LFP vs NMC chemistries, what affects battery life, and whether owning or swapping the battery makes sense in India.
- Financing an e-rickshaw or EV battery in India — How e-rickshaw and EV-battery loans work in India — whole-vehicle vs battery-only finance, documents, down payment, EMI from daily earnings, and swapping.
- Electric scooter (e-2W): buying and running-cost guide — What an electric scooter really costs to buy and run in India versus petrol — range, battery warranty, charging, subsidies and total cost of ownership.
- E-rickshaw batteries: lithium vs lead-acid — For an e-rickshaw, lithium and lead-acid batteries differ sharply on life, weight, charging and cost. A practical comparison for high-utilisation commercial use.
- Charging an EV at home in India: setup, cost and safety — How to charge an electric two-wheeler or car at home in India — the electrical setup, cost per charge, charging time, and essential safety precautions.