Pocketsense Blog
Articles, guides, and tips on personal finance.
April 12, 2026
Loan Prepayment: Is It Always a Good Idea?
Thinking of paying off your home loan or personal loan early? Learn how loan prepayment works, RBI rules on penalty charges, and when prepayment makes financial sense.
April 11, 2026
What Happens If You Miss EMI Payments
Missed a loan EMI or credit card due date? Understand the consequences — bounce charges, CIBIL impacts, late fees — and how to recover quickly without panicking.
April 5, 2026
How Interest Rates Work on Loans
Confused by flat rates vs reducing balance rates, or fixed vs floating interest? Here is a complete guide to understanding how banks calculate your EMI and total loan cost.
April 4, 2026
Personal Loan vs Credit Card Loan – Which Is Better?
Need quick funds and caught between a personal loan and a loan against your credit card? Heres a clear breakdown of interest rates, processing fees, and eligibility.
March 28, 2026
50-30-20 Rule Explained for Indian Salaries
A practical breakdown of the 50/30/20 budgeting framework, specifically tailored for Indian working professionals.
March 28, 2026
How to Build a Monthly Budget That Actually Works
A step-by-step guide to creating a budget that isnt suffocating and actually helps you achieve your financial goals.