Pocketsense Blog
Insights, guides, and tips on personal finance.
May 3, 2026
Buy Now Pay Later (BNPL): Smart or Risky?
Simpl, Amazon Pay Later, Flipkart Pay Later, ZestMoney — BNPL is everywhere in online shopping. Learn how BNPL works, its impact on CIBIL, and hidden interest traps.
May 2, 2026
Impact of Loans on Your Credit Score
How do personal loans, home loans, and credit cards affect your CIBIL score? Discover how loan applications, credit mix, and payment history shape your rating.
April 26, 2026
How Much Loan Can You Afford?
Planning to take a loan? Learn how to calculate your maximum safe borrowing capacity using FOIR, DTI ratios, and the 40% rule to avoid debt stress.
April 25, 2026
Secured vs Unsecured Loans Explained
What is the difference between secured and unsecured loans? Compare collateral requirements, interest rates, approval speed, and risk factors in India.
April 20, 2026
Debit Card vs Credit Card – Which One Should You Use?
Debit card or credit card — most Indians have both but arent sure which to swipe when. Heres a clear comparison to help you make smarter spending decisions.
April 20, 2026
Digital Wallets vs UPI: Which Is Better?
Paytm wallet vs PhonePe UPI, Google Pay vs Mobikwik — whats the actual difference between digital wallets and UPI? And which one should you be using?