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Balance Transfer

Priya got an SMS: a balance transfer offer at "0%". One example is SBI Card's reported balance transfer offer, which provides a 0% promotional rate for 60 days or a rate of 1.7% per month for 180 days, subject to the applicable terms and conditions. Every credit card balance transfer offer comes down to four checks: the window, what happens after it, the fee, and what happens to new purchases.

By Mohit Juneja | 22 October 2026

Debt Management

This credit card minimum payment calculator shows how long your balance takes to clear if you pay only the minimum due, and the total interest. Compare it with a fixed monthly payment. The calculator uses rupees and includes an optional GST setting to estimate repayment time and interest under two minimum-due calculation methods. Actual charges and repayment amounts depend on your card issuer's terms.

By Mohit Juneja | 22 October 2026

Debt Management

Credit counselling in India is free guidance on your debts, mostly from bank-funded centres set up under an RBI scheme. A credit counsellor can help you prepare a budget, understand your credit report and develop a repayment plan. Under the applicable RBI model scheme, a counselling centre may recommend a debt restructuring plan to lenders, but the lender decides whether to accept it. Counselling centres do not negotiate or settle debts on your behalf.

By Mohit Juneja | 22 October 2026