Insights & Guides
4 articles on Indian loans, borrowing strategies, and financial regulation — written in plain English.
The RBI cut the repo rate 4 times in 2025. If you have a floating-rate home loan, your lender just offered you a choice. Most people pick the wrong option — and it costs them lakhs.
Tuition is just the beginning. Visa surcharges, forex markups, mandatory health insurance, and a depreciating rupee can add 20–30% to your total study abroad budget. Here is every cost your loan application did not prepare you for.
With the rupee at ₹91/USD, a 44% F-1 rejection rate, and a $100,000 H-1B fee, the maths on an American Master's degree has changed. Here is the honest calculation nobody else will give you.
With a 44% F-1 rejection rate for Indian applicants, this is not a hypothetical. Here is exactly what happens to your money — and what to do about it.