Decode Finance
Akash Sethi
If you’ve taken a home loan recently, there’s a decent chance you’ve seen a small, unexplained charge on your loan papers labelled “CERSAI.” CERSAI stands for the Central Registry of Securitisation, Asset Reconstruction and Security Interest of India; that’s the full form of CERSAI. In practical terms, it’s a government-run online record that tracks which … Read more
ARTICLE OVERVIEW What this article covers: What direct and regular plans are — and how they differ Where the commission goes in a regular plan (and who pays it) Real numbers: how much difference it makes over 10–20 years Who should choose the direct plan, and who is better off with regular How to switch … Read more
ARTICLE OVERVIEW What this article covers: What NAV actually is — in an easy way How NAV is calculated with a real formula + example The biggest NAV myth that most beginners fall for (low NAV = cheap fund) Why two funds with very different NAVs can give the same returns What you should actually … Read more
The full form of HUF is Hindu Undivided Family. In Hindi it is called हिंदू अविभाजित परिवार (Hindu Avibhajit Parivar). An HUF is a joint Hindu family made up of people descended from a common ancestor, along with their wives and daughters. Income tax law treats it as a separate taxpayer. Once formalised, it gets … Read more
The Flipkart SBI Credit Card is a co-branded cashback card issued by SBI Card in partnership with Flipkart. It gives 5% cashback on Flipkart (including Shopsy), 7.5% on Myntra, 5% on Cleartrip, 4% on Netmeds, PVR, Uber and Zomato, and 1% on other eligible spends. The annual fee is ₹500 plus GST, and the renewal … Read more
The best SBI credit cards is the one that pays you back on the spending you already do, at a fee you can get reversed. For most online shoppers, that is the Cashback SBI Card, which pays 5% on eligible online spends with a cap of ₹2,000 per statement. If you want a low fee, … Read more
Many users forget to redeem their SBI reward points before expiry, especially when they don’t check their balance regularly. That’s real money, sometimes ₹500, sometimes ₹2,000 or more, quietly evaporating because nobody checked in time. Reward points aren’t a gimmick; they’re funded by the interchange fees merchants already pay when you swipe. The bank has … Read more
The SBI credit card customer care number you can call for free from any phone in India is 1800 180 1290. SBI Card also lists 1860 180 1290 and 1860 500 1290, and a local option where you dial 39 02 02 02 after your city’s STD code. Customer care executives answer from 8 AM … Read more
For an SBI credit card status check, open SBI Card’s application tracking page, stay on the “Track Application” tab, enter your application or reference number, and click “Track”. Your status will show on the screen. If you’ve lost the number, check the SMS and email SBI Card sent when you applied, or call the helpline. … Read more
Applying for an SBI Credit Card online is simple; it took me around 10 to 15 minutes to fill everything out. Before you start, keep your PAN card, Aadhaar card, proof of income, and your mobile number handy. You can apply either on the SBI Card website or in the YONO SBI app, whichever is … Read more