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Cards, loans, FDs, mutual funds, stocks, insurance and tax — compared honestly. Credit cards, loans, FDs, mutual funds, stocks, gold, insurance, tax and your credit score — compared on real rates and fees, with 58 free calculators.
Products
Data & analysis
Fixed deposit
Suryoday Small Finance Bank · General citizens · 5 years exactly
Home loan
Bank of Baroda · Floating · Repo-linked (EBLR)
Investing
Bullion rates are IBJA benchmarks and exclude 3% GST and making charges. Scheme rates are set each quarter by the Ministry of Finance.
| Scheme | Rate | Tenure | Min to max deposit |
|---|---|---|---|
| Sukanya Samriddhi Yojana | 8.2% | 21 years from opening | ₹250/year to ₹1.5 lakh/year |
| Senior Citizen Savings Scheme | 8.2% | 5 years, extendable by 3 | ₹1,000 to ₹30 lakh |
| National Savings Certificate | 7.7% | 5 years | ₹1,000 to No limit |
| Kisan Vikas Patra | 7.5% | ~115 months (doubles) | ₹1,000 to No limit |
| Post Office Monthly Income Scheme | 7.4% | 5 years | ₹1,000 to ₹9 lakh single / ₹15 lakh joint |
| Public Provident Fund | 7.1% | 15 years, extendable in 5-year blocks | ₹500/year to ₹1.5 lakh/year |
Source: Ministry of Finance quarterly notification. All small savings rates
Guides
There is no legal minimum income for a credit card in India. Here is what issuers actually check, and the documents RBI rules require.
Updated 17 Sep 2026 · 6 min read
Home loan rates at major banks start at about 7.20%–7.25% a year (Bank of Baroda 7.20%, SBI and PNB 7.25%); the repo rate is 5.25%.
Updated 17 Sep 2026 · 4 min read
Current RD rates, the SBI term deposit card they follow, and why the rupee interest on an RD is about half what savers expect.
Updated 2 Oct 2026 · 6 min read
Which SEBI hybrid category to pick, which ones get equity taxation, and what the February 2026 rewrite changed.
Updated 7 Sep 2026 · 6 min read
Tools
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