Guides to managing your money in India

Plain-English explanations of credit cards, credit scores, mutual funds, EPF, PPF, NPS and the statements behind them, written for Indian readers and checked against official sources. Educational information, not advice.

Personal Finance

Monthly money review: a 7-step checklist for your finances

A monthly budget checklist for Indian households: gather statements, check card dues, reconcile bank accounts, review spending, SIPs and your credit report.

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Credit Cards

How to read your credit card statement: total due vs minimum due

How to read a credit card statement in India: statement date, due date, minimum amount due vs total amount due, how interest is charged and what RBI requires.

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Credit Scores

Credit score in India: what a good score is and what moves it

What is a good credit score in India? The 300 to 900 range of CIBIL, Experian, Equifax and CRIF, what moves a score, your free yearly report and fixing errors.

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Mutual Funds

How to track your mutual funds: NAV, units, XIRR and direct plans

Mutual fund XIRR calculation for SIPs, how it differs from CAGR and absolute return, with a worked example, NAV cut-off times and direct vs regular plans.

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EPF and NPS

EPF vs PPF vs NPS: how the three retirement schemes compare

EPF vs PPF vs NPS compared for FY 2026-27: who can join, interest rates and returns, lock-in, withdrawal rules, and tax under the old and new regimes.

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Financial Planning

Why life insurance money goes unclaimed in India, and how to make sure your family can claim

₹21,718 crore of insurance money lay unclaimed in India in 2024, mostly because families never knew. The figures, the rules, how to search, how to prevent it.

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FinLens Tutorials

How to open a password-protected bank statement PDF

Find your bank or credit card statement PDF password: where banks in India write the rule, common patterns, why a password fails, and how to remove it safely.

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