The Credsir blog
802 articles on Indian money — loans, cards, tax, property, forex and markets. Where the comparison tables end, the analysis starts.
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Gold RateGold Rate Today in Delhi — October 2026
On June 7, 2026, the 24K gold rate in Delhi is ₹14,805 per gram, while 22K gold is priced at ₹14,100 per gram.
8 Jun 2026 Forex -
Buying GuideFreehold vs Leasehold Property — The Real Difference
In India, freehold property offers complete and permanent ownership of both the land and any structure built on it.…
8 Jun 2026 -
Debt, Settlement & DefaultHow to Get Out of Credit Card Debt
Credit card debt in India reached ₹2.10 lakh crore as of March 2023, with defaults rising to ₹4,072 crore in the same…
8 Jun 2026 -
Balance Transfer & Top-upLoan Refinancing — Rates, EMI and Eligibility
Loan refinancing in India allows borrowers to replace an existing loan with a new one, often securing a lower interest…
8 Jun 2026 -
Tax & SubsidyPMAY Home Loan Subsidy (2026) — Eligibility & How to Apply
The Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0) aims to provide affordable housing to 1 crore urban families by…
8 Jun 2026 Loans -
Eligibility & DocumentsHome Loan Eligibility for Salaried: Salary, Age and CIBIL
Banks cap EMIs at 40–75% of take-home pay; at 50%, a ₹50,000 salary supports about ₹29–32 lakh over 20 years. Age…
7 Jun 2026 -
Fees & ChargesCredit Card Cash Withdrawal Charges (2026) Review
A credit card cash advance is a costly transaction, with fees typically ranging from 2.5% to 3.5% of the withdrawn…
7 Jun 2026 -
Investment & Best CitiesIs Real Estate a Good Investment in India
India's real estate market is projected to reach $1 trillion by 2030, driven by rapid urbanization and a growing middle…
7 Jun 2026 -
Eligibility & CIBILPersonal Loan Eligibility — Rates, EMI and Eligibility
Meeting specific eligibility criteria is for securing a personal loan in India, with lenders like IDFC FIRST Bank…
7 Jun 2026 Loans -
Settlement, Default & RecoveryDebt Consolidation Loan — Rates, EMI and Eligibility
In India, managing multiple high-interest debts like credit card balances (36-42% p.a.) and personal loans can be…
7 Jun 2026 -
Derivatives (F&O)F&O Trading — Futures and Options Explained
Futures and Options (F&O) are derivative contracts that allow traders to buy or sell an underlying asset at a…
7 Jun 2026 -
REITs & Rental YieldREITs in India: How They Work, Listed REITs, Rules and Tax
A REIT in India is a SEBI-regulated trust owning rent-earning property. Six trade on NSE and BSE; you can buy one unit…
7 Jun 2026 Property -
Legal & DocumentationProperty Registration — How to Check Online
Property registration in India is a mandatory legal process, ensuring official ownership transfer from seller to buyer.
7 Jun 2026 -
Regulations (LRS / TCS / FEMA)LRS Limit 2026: Liberalised Remittance Scheme Rules and TCS
The LRS limit for 2026 is USD 2,50,000 per resident per financial year, unchanged since May 2015; TCS applies above ₹10…
7 Jun 2026 -
Loan TypesLoans in India — A Beginner’s Guide
India's personal loan market has surged from ₹6 lakh crore in 2020 to over ₹12 lakh crore in 2026, reflecting a…
7 Jun 2026 Loans