Credit Counselling

Most Tamil household financial distress is not a money problem. It is a silence problem dressed up as a money problem. The five conversations every household needs at some point, and a calm way to start the first one tonight.

The Reserve Bank of India (Pre-payment Charges on Loans) Directions, 2025, effective for loans sanctioned or renewed on or after 1 January 2026, removes prepayment penalties on floating-rate retail loans to individuals and MSEs. A plain-English walk through what it covers, what it doesn't, and how t

A credit-card rejection is not a verdict on your financial life. It is one of five well-understood reasons - and each one has a specific, time-bound fix. Here is the playbook for understanding which one applies and what to do next.

There is no single 'minimum' credit score in India - there is a layered set of thresholds by product, by lender, and by the cost a borrower is willing to pay. Here is the practical map, and the 12-month plan to move from 650 to 750.

From Ramanathapuram to Riyadh and back: the four conversations to have with the agent before you fly, the three habits that protect you while abroad, and the 30-day plan that prevents the returnee debt spiral.

Two to four weeks of household income, arriving in one transaction. The 50-30-20 allocation that prevents the bonus from disappearing while still funding a real festival- for the salaried household that wants to come out of festival season ahead.

Six months of expenses, in three tiers, separated from spending money, untouched until needed. The single buffer between a one-month problem and a one-year debt spiral, and the realistic path to getting there from a starting balance of ₹15,000.

Most family financial chaos after a death is not a wealth problem: it is a paperwork problem. A plain-English walkthrough of the three small forms that prevent six months of administrative anguish at the worst possible moment.

Term insurance is the cheapest, most powerful form of financial protection a sole earner can buy in India. The decision is simple. Most people complicate it by comparing it to products it has nothing to do with.

RBI's 2017 Customer Protection circular gives you a window. The window is small. Every minute between the fraud and your first call decides how much of your money you actually get back. The step-by-step playbook for the first hour, the first day, and the weeks that follow.