Pocketsense Blog
Insights, guides, and tips on personal finance.
April 19, 2026
Common Loan Traps to Avoid
From predatory instant loan apps to flat-rate calculation tricks and credit card minimum payments — learn how to spot and avoid the most common debt traps in India.
April 18, 2026
How to Choose the Right Home Loan
Buying your dream house? Dont pick a home loan based on interest rates alone. Compare LTV ratios, EBLR benchmarks, processing fees, and hidden charges.
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.