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Loan guides

Short, practical explanations of how loan repayment actually works — written to be checked, not skimmed.

How EMI Is CalculatedEvery EMI has the same structure: interest on the balance, then principal. Here is how the two are split, month by month. Prepay the Loan or Invest the Money?The answer is not about discipline or optimism. It is about one number: the after-tax return you can reliably earn.