Expert advice on credit cards, home loans, CIBIL score, EMI calculators and tax-saving investments — practical money guides for Indians.
By Six Finance Editorial Team · Updated May 2026 · 7789 articles
Six Finance publishes expert personal finance blogs covering credit cards, home loans, CIBIL score improvement, EMI calculators, tax-saving investments and demat accounts. Every guide is researched using live bank data, RBI guidelines and real product comparisons — so you make smarter money decisions faster.
For informational purposes only. Consult a certified financial advisor before making investment decisions.
7789 articles published across 32 personal finance topics.

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What Is an Instant Approval Credit Card?An instant approval credit card provides a quick decision after you submit an online application. In many case

A personal loan can help you manage urgent financial needs such as medical bills, education, travel, or debt consolidation. However, many borrowers ov

IntroductionWhat Does It Mean to Pay Off Credit Card Debt with a Personal Loan?A personal loan allows you to borrow a lump sum of money from a bank, c

A credit score is a key part of your financial health. It shows how responsibly you manage loans, credit cards, and repayments. A low or “bad” credit

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Managing multiple debts can become stressful when interest rates and due dates vary. Two popular options for simplifying repayments are credit card ba

Requesting Waiver of Accumulated Penal Charges on Overdue MSME Accounts: A Comprehensive GuideManaging the finances of a Micro, Small, and Medium Ente

Understanding the RBI Uniform Penal Charges Policy Across Loan ProfilesThe Reserve Bank of India (RBI) has introduced significant reforms to how finan
Answers to what people search most about personal finance in India.
To improve your CIBIL score fast, pay all EMIs and credit card bills on time, keep your credit utilisation below 30%, avoid applying for multiple loans simultaneously, and check your credit report for errors. Consistent on-time payments over 6–12 months can raise your score by 50–100 points.
The best cashback credit cards in India 2026 include the Axis Bank ACE Card (5% on bill payments), SBI Cashback Card (5% on online spends), and HDFC Millennia Card (5% on Amazon and Flipkart). Choose based on your top spending category — online shopping, fuel, or utilities.
Home loan EMI is calculated using the formula: EMI = P × r × (1+r)^n / [(1+r)^n − 1], where P is the principal, r is the monthly interest rate, and n is the tenure in months. For a ₹50 lakh loan at 8.5% for 20 years, the EMI is approximately ₹43,391.
The best investment options in India 2026 include SIP in equity mutual funds for long-term wealth, PPF for tax-free guaranteed returns, Sovereign Gold Bonds for gold exposure with 2.5% annual interest, and FDs for short-term stability. Your ideal choice depends on your risk appetite and investment horizon.
Section 80C allows a maximum deduction of ₹1.5 lakh per financial year from taxable income. Eligible investments include ELSS mutual funds, PPF, NSC, 5-year FD, life insurance premiums, EPF contributions, and home loan principal repayment.
For amounts above ₹1 lakh or tenures beyond 12 months, a personal loan at 10–18% interest is cheaper than credit card EMI at 13–24%. Credit card EMI is better for existing card holders making a large purchase, as no-cost EMI offers are available on certain transactions at select merchants.
This content is for informational purposes only and does not constitute financial advice. Please consult a certified financial advisor before making any investment decisions.