Learn

Money, explained like a friend would

No 3,000-word SEO sludge. Just the guides that actually change what you do with your money — written straight, for people figuring it out.

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MoneyRadar's learn section covers personal finance in India — SIP and mutual funds, income tax (old vs new regime), home loans, credit cards, emergency funds, and managing money in your 20s. Every guide is plain English with cited sources and links to free calculators.

Getting started

The complete guide to managing money in your 20s (India)

Your first salary, an emergency fund, investing early, the right insurance, and dodging debt traps — the money playbook nobody taught you in school.

12 min read

Investing

How to start investing in India with your first ₹5,000

Compounding, index funds vs active, direct vs regular plans, how SIPs actually work, and the mistakes that quietly kill your returns — a no-jargon starter.

11 min read

Investing

What is SIP? Systematic Investment Plan explained for India

SIP (Systematic Investment Plan) is investing a fixed amount into a mutual fund every month on autopilot. How it works, why Indians use it, SIP vs lumpsum, returns, tax, and how to start — in plain English.

8 min read

Tax

How to file ITR online in India (FY 2025-26 step-by-step)

A plain-English walkthrough of filing income tax return online on the Income Tax portal — which ITR form to pick, documents you need, old vs new regime, and common mistakes to avoid for FY 2025-26.

10 min read

Credit & loans

Best credit cards in India (2026) — how to actually pick one

The honest guide to choosing the best credit card in India: what to ignore, what actually matters, lifetime-free vs rewards vs travel, and when you should not get a card at all.

9 min read

Investing

How to invest in mutual funds in India (step-by-step guide)

How to start investing in mutual funds in India: open an account, pick direct vs regular, choose an index fund, set up a SIP, and avoid the mistakes that quietly kill returns.

10 min read

Credit & loans

Home loan guide for India — EMI, eligibility, prepayment & tax

Everything you need before taking a home loan in India: how EMI works, how much you can borrow, prepayment savings, tax benefits under old regime, and mistakes to avoid.

11 min read

Tax

Old vs new tax regime: which one actually saves you money

Both regimes explained in plain English, when each one wins, and worked examples for FY 2025-26 so you can pick the one that leaves more money in your pocket.

10 min read

Budgeting

Emergency fund: how much you really need and where to keep it

How to size your safety net using real expenses, where to actually park the cash so it stays liquid, and when to use it — the buffer that stops a bad month becoming a debt spiral.

8 min read

Getting started

Term insurance vs everything else: the only life cover you need

Why pure term insurance beats every bundled 'investment-cum-insurance' plan, how much cover you actually need, and what the claim settlement ratio really tells you.

9 min read

Credit & loans

Your credit score, explained: what CIBIL actually measures

What goes into your CIBIL score, why it decides your loan rates, the habits that quietly build or wreck it, and how to check and fix it — without the myths.

9 min read

Tax

What is ELSS? Tax-saving mutual funds explained for India

ELSS (Equity Linked Savings Scheme) is the only equity mutual fund with a Section 80C tax deduction. How it works, 3-year lock-in, returns vs PPF, and who should invest — in plain English.

7 min read

Saving

What is PPF? Public Provident Fund explained for India

PPF (Public Provident Fund) is a 15-year government savings scheme with tax-free returns. How it works, current rates, deposit limits, withdrawal rules, and PPF vs FD vs ELSS.

8 min read

Getting started

How to negotiate salary in India (without being awkward)

When to negotiate, how much to ask for, what to say, and how CTC tricks hide your real pay — a practical guide for your first job or your next switch.

8 min read