Resources & Financial Guides
Learn the system, then use it
Plain-language guides on loans, insurance, deposits and investing — the same explanations our advisors give across the table.
Guides
Start with the fundamentals
Glossary
Terms worth knowing
EMI
Equated Monthly Instalment — fixed monthly loan repayment covering principal + interest.
CIBIL Score
A 300–900 credit score summarising your repayment history; 750+ unlocks the best offers.
FOIR
Fixed Obligations to Income Ratio — the share of income already committed to EMIs.
NAV
Net Asset Value — the per-unit price of a mutual fund, computed daily.
SIP
Systematic Investment Plan — automatic monthly mutual fund investing.
ELSS
Equity Linked Savings Scheme — tax-saving mutual fund under Section 80C, 3-year lock-in.
DICGC
Deposit insurance covering up to ₹5 lakh per depositor per bank, including interest.
Balance Transfer
Moving an existing loan to a new lender for a lower rate or better terms.
Sum Assured
The guaranteed payout amount of a life insurance policy.
Lumpsum
A one-time investment of a single large amount, as opposed to periodic SIPs.