Latest guides and free tools
Plain-language guides for Indian families on emergency funds, gold loans and loan app safety, plus free calculators you can use on your phone. New guides are added every few weeks.
Free tools and printables
Emergency fund calculator
Your 3 to 6 month target, how long it takes, and where to keep it.Is this SMS a scam? checker
Paste a message and see the warning signs in seconds.Gold loan interest calculator
How much you can borrow, your EMI or monthly interest, and total cost.Printable loan app red flags poster
One A4 page for notice boards, classrooms and WhatsApp groups.Loan app real-cost calculator
Turn a "₹X for 7 days" offer into a yearly interest rate.Guides, newest first
- How to check if a loan app is RBI approvedFive checks against RBI's own lists before you install anything.
- Morphed photo blackmail: what to doThe first hour, getting it taken down, and the laws on your side.
- How to file a cybercrime complaint online1930, cybercrime.gov.in, what to attach and how to track it.
- What happens if you don't repay a loan appArrest threats, CIBIL, recovery agents and settlements, for legal and illegal apps.
- Gold loan vs personal loanRates, speed, credit score needs and risks side by side.
- Emergency fund for daily-wage familiesSave on good days, keep it safe, and use the ₹20 and ₹436 schemes.
- How to use EPF in a medical emergencyWho can claim, how much, and the step-by-step online claim.
- Gold loan vs selling goldThe rupee-by-rupee comparison most jewellers won't show you.
- Loan app harassment: what to doYour rights, the exact steps, and who to call.