Decode Finance
Akash Sethi 
Quick Overview of CERSAI CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) is a government-run database that records every loan taken against a property in India. Here is what you need to know at a glance: CERSAI full form: Central Registry of Securitisation, Asset Reconstruction and Security Interest of India CERSAI … 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
Indian families pay more tax than they are legally required to, not because they are doing anything wrong, but simply because they are unaware of a tax structure that has existed in Indian law for over 60 years. The Hindu Undivided Family, or HUF, is a recognised entity under the Income Tax Act, 1961. It … Read more
Flipkart SBI Credit Card is one of the most popular cashback credit cards in India, especially for people who shop regularly on Flipkart and its partner platforms. With cashback benefits on Flipkart, Myntra, and Cleartrip, it’s often considered a strong pick for online shoppers. But before applying, it’s worth understanding exactly how the cashback system … Read more
Quick Picks Best for Online Shopping: SBI SimplyCLICK – 10X points on Amazon, Swiggy, Cleartrip Best for Pure Cashback: Cashback SBI Card – flat 5% on all online spends, auto-credited Best for Fuel Savings: BPCL SBI Card – 4.25% value back at BPCL pumps Best for Dining & Groceries: SBI SimplySAVE – 10X points on … 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
Quick Summary Official SBI Credit Card Customer Care Number 24×7 Helpline: 1860 180 1290 Alternate Number: 39 02 02 02 (add your city STD code before this number) Email Support: customercare@sbicard.com Escalation Email: nodalofficer@sbicard.com SMS Helpline: 56767 (from your registered mobile number) RBI Ombudsman (last resort): cms.rbi.org.in If your SBI credit card suddenly stops … Read more
If you need your SBI Credit Card Status right now, here’s the fastest route: open sbicard.com, click “Track Application,” type in your reference number and date of birth, and you’ll see your current stage in under a minute. But if your reference number is gone, your status has been stuck for a week, or you’re … 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