Insights
Guides on funding, loans and property finance
Practical, plain-English guides for builders, developers, business owners and property buyers, written from the rules lenders and regulators actually apply, with sources on every page.
- 30 guides
- 5 topics
- Free calculators
MSME delayed payments: the 45-day rule, 17.25% interest, section 43B(h) and how to recover your money
The MSMED Act 45-day rule, interest at 3× the RBI Bank Rate (17.25% now), the 43B(h) tax disallowance under the new Income-tax Act, and how to recover dues. Read the guide
Credit score for home loans, LAP and business loans: what lenders look for and how to fix your report
What credit score lenders want for home loans, LAP and business loans, what moves it, how to fix report errors under RBI rules, and what CMR rank means. Read the guide
Bank guarantees for MSMEs and contractors: types, real cost and how to reduce it
Performance, advance payment, bid, financial and customs bank guarantees: what each costs in commission, margin and Maharashtra stamp duty, and how to pay less. Read the guide
Your home loan after the repo hike: when the rate changes, and whether to pay more EMI, prepay or switch
When repo-linked and MCLR home loans reprice after RBI's hike to 5.50%, EMI vs tenure, and whether to prepay, refinance or ask for a lower spread. Read the guide
Festive home loan and LAP offers this Diwali: which ones actually save you money?
Diwali 2026 home loan and LAP offers: which fee waivers and rate cuts save real money, which are gimmicks, and how to compare loans by total cost. Read the guide
Home loan tax benefits in 2026: what changed under the Income-tax Act, 2025, and which regime suits you
Home loan tax deductions under the Income-tax Act, 2025: new section numbers, old vs new regime, joint loans, under-construction flats and a worked example. Read the guide
Vertical property card in Maharashtra: what it is, where it stands, and what flat owners should do now
Maharashtra plans a vertical property card that records each flat owner on the land record. What is confirmed, what is only reported, and what it means for loans. Read the guide
Maharashtra stops registering sale deeds for unauthorised flats: what buyers and builders must check
From 13 October 2026, Sub-Registrars in Maharashtra cannot register sale deeds for flats in unauthorised buildings. What it means for buyers, builders and home loans. Read the guide
RBI raises the repo rate to 5.50%: what it means for your EMI, construction finance and MSME dues
RBI's October 2026 hike to 5.50%: what it means for home loan EMIs, pre-EMI, construction finance and business loans, and MSME delayed-payment interest. Read the guide
The real cost of buying a home in Thane and Badlapur
The real cost of buying a home in Thane and Badlapur in 2026: stamp duty, metro cess, women's concession, registration fee, GST, TDS and how much a bank lends. Read the guide
Dealer and distributor finance: how channel finance funds your inventory
How dealer and distributor (channel) finance works: anchor tie-ups, invoice-based drawdowns, credit periods, what banks assess and how it compares with CC. Read the guide
Home loan balance transfer and top-up loans: when does switching lenders actually save money?
When a home loan balance transfer saves money: a worked example, switching costs in Maharashtra, RBI prepayment and EMI-reset rules, and top-up loans. Read the guide
Home loans for self-employed professionals and business owners: how lenders assess your income
How lenders assess self-employed income for a home loan: ITR, P&L, GST and bank statements, surrogate programmes, RBI LTV caps, FOIR, co-applicants and CIBIL. Read the guide
Home loan for an under-construction flat in Maharashtra: what to check before you borrow
Buying an under-construction flat in Maharashtra? MahaRERA checks, stage-wise disbursement, pre-EMI vs EMI, GST, pre-construction interest tax and subvention. Read the guide
How to fund a hospital, nursing home, clinic or diagnostic centre in India
How to fund a hospital, nursing home, clinic or diagnostic centre in India: term loans, equipment finance, working capital, LAP and what lenders check. Read the guide
How lenders assess a real estate project for construction finance
What banks and NBFCs check before funding a real estate project: promoter, title, approvals, RERA, cost, sales, security and RBI rules. Read the guide
Inventory funding for builders: raising funds against unsold stock
How inventory funding against unsold flats works for developers, how it differs from construction finance and LRD, who lends, and what lenders assess. Read the guide
Loan against property in Thane and Badlapur: which properties qualify?
Which properties in Thane and Badlapur qualify for a loan against property: title, OC, society NOC, 7/12, NA rules, MIDC/CIDCO leasehold, and costs. Read the guide
Loan against property vs lease rental discounting: which is right for you?
Loan against property and lease rental discounting both raise funds from property you own. How they differ, who each suits and what lenders look at. Read the guide
Loans for schools and colleges run by trusts and societies in Maharashtra
How schools and colleges run by Maharashtra trusts and societies borrow: Charity Commissioner sanction, leasehold land, fee rules, what lenders check and tax. Read the guide
The MahaRERA 70% account: what it means for construction finance
How the RERA 70% separate account and MahaRERA's three-account rule (Order 56/2024) work, and what they mean for builders raising construction finance. Read the guide
Medical equipment finance: leasing vs loan for MRI, CT, cath lab, dialysis, dental and ophthalmic equipment
Leasing or a loan for MRI, CT, cath lab, dialysis, dental and eye equipment: how equipment loans work, lease types, GST, depreciation, AERB and CGTMSE. Read the guide
What lenders want in a project report (DPR) for a term loan
What banks look for in a project report for a term loan: structure, cost and means of finance, projections, DSCR, CMA data, TEV studies and RBI's 2025 rules. Read the guide
Funding a housing society redevelopment project as a developer in Mumbai and Thane
How developers fund housing society redevelopment in Mumbai and Thane: upfront costs, the 2026 rules, DCPR and UDCPR incentive FSI, RERA and lender checks. Read the guide
Self-redevelopment funding for housing societies in Mumbai and Thane
How housing societies in Mumbai and Thane fund self-redevelopment: nodal co-operative banks, RBI rules, the process, repayment and risks. Read the guide
Term loan vs cash credit vs overdraft: which business loan fits which need?
Term loan, cash credit, overdraft or WCDL? How each works, how interest and drawing power are worked out, security, renewal and RBI's 2026 account rules. Read the guide
Trade finance for MSMEs: letters of credit, bill discounting and packing credit explained
Trade finance for MSMEs: letters of credit, bills for collection, bill discounting, packing and post-shipment credit, and the 2026 export subvention. Read the guide
Why loan applications get rejected — and how to fix the file
Why business and property loan applications get rejected — credit report errors, overdues, high EMIs, income gaps, property issues — and how to fix and reapply. Read the guide
Working capital for contractors: cash credit, bank guarantees, bill discounting and more
How contractors fund running costs: cash credit and overdraft, bank guarantees, bill discounting and TReDS, equipment loans, and MSME benefits in 2026. Read the guide
Bank, NBFC or financial institution: choosing a lender for project and construction funding
Banks, NBFCs and financial institutions all fund projects in India. How they differ on cost, flexibility, speed and stage of funding, and how to choose. Read the guideNo guides match that yet
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