Decode Finance
Akash Sethi 
Most of SBI’s entry-level cards get compared to each other so often that people forget to check which one they’re actually reading about. The SBI SimplySAVE Credit Card is built for everyday offline spending- groceries, dining, movies, department stores- and it’s often confused with a near-identical sibling called SimplySAVE Advantage. Before you apply for either, … Read more
If a large part of your spending is online, the SBI SimplyCLICK Credit Card is worth considering. But its headline 10X reward rate can be misleading if you don’t look at the actual redemption value, monthly caps, and excluded transactions. This review walks through what the card genuinely offers, verified against SBI Card’s own terms, … Read more
You missed an EMI. Maybe the auto-debit failed, maybe you genuinely forgot, maybe the money just wasn’t there this month. Right now you want one straight answer: is your score already hurt, or is there still time? Here’s the honest version: a missed EMI impact on your CIBIL score is never a flat, fixed penalty. … Read more
In this guide, we will learn the difference between loan settlement vs loan closure and their impact on your CIBIL score. Imagine a borrower who has paid personal loan EMIs regularly for more than a year but then faces a serious financial problem and can no longer repay the full amount. The borrower approaches the … Read more
Every salaried employee in India who pays tax eventually asks the same question: what is Form 16, and why does my HR team keep reminding me about it every June? The short answer: it’s one of the most useful documents a salaried taxpayer has when filing a return. This guide covers what it actually is, … Read more
Choosing between the old tax regime vs new tax regime comes down to one thing: whether your actual eligible deductions are large enough to beat the new regime’s lower slab rates. There’s no single answer that works for every income level, and salary alone doesn’t decide it. The new regime has been the default option … Read more
You apply for a personal loan, the lender checks your credit report, and a few days later your CIBIL score has moved. It’s easy to assume that a hard inquiry affects your CIBIL score, especially when you haven’t missed a payment or changed anything else about how you manage credit. That assumption is right, but … Read more
Many people expect their CIBIL score to go up after they finish paying off a loan. So when the score actually falls instead, it feels confusing, even unfair, especially if every EMI was paid on time. A credit score drop after paying off a loan is more common than most people realise. It’s not a … Read more
If your CIBIL score is low and you need a personal loan, getting approved can be difficult, but it is not always impossible. A low CIBIL score personal loan may still be available depending on your income, existing EMIs, repayment history, employment stability, and the lender’s own eligibility criteria. There is no single CIBIL score … Read more
The Income Tax Act, 2025 has brought in a small but important change in terminology: the “Tax Year.” This term now replaces the older concepts of Previous Year (PY) and Assessment Year (AY) that taxpayers used under the Income Tax Act, 1961. The actual process of calculating your income hasn’t changed much. What’s changed is … Read more