Rishabh Baisoy

• https://www.urbanmoney.com/blog/ With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.

12 Stories by Author: Rishabh Baisoy

Cost to Company (CTC)
April 08, 2025

When considering a job offer, it's easy to become fixated on the attractive "CTC" figure. But there's more to this figure than strikes the eye. Realising the value of CTC requires going beyond its initial cost to determine its ultimate worth—or lack thereof. By breaking down the components of CTC…

Category:Personal Loan Archive
Home Loan Disbursement Process For Under Construction Property
March 25, 2025

Investing in under-construction properties offers affordability and long-term benefits. It is a popular choice among homebuyers. These properties provide flexible payment plans and potential appreciation in value over time. Opting for a home loan for properties, such as the home loan disbursement process for under-construction property, adds further advantages, with…

Category:Home Loan Archive
The Ultimate Guide to Home Loan Foreclosure Charges
March 03, 2025

Foreclosing a home loan allows borrowers to repay their loan before the end of their tenure, offering an opportunity to save on interest payments. However, this process often comes with home loan foreclosure charges, which vary based on the type of loan and lender policies. Understanding the impact of these…

Category:Home Loan Archive
EMI vs Tenure : Should You Pay More EMI or Stretch Your Tenure?
March 03, 2025

Choosing between EMI and tenure options can be challenging when planning your home loan repayment strategy. Effectively managing these two aspects is essential for optimising your loan and reaching your financial goals. Balancing EMI affordability to reduce overall interest is key to effective home loan management. This blog will help…

Category:Home Loan Archive
15 Personal Loan Alternatives and their Pros & Cons
November 20, 2024

When money is tight, personal loans are the go-to solution. But they're not the only option. Many personal loan alternatives might better suit your needs. These alternatives to personal loans can help you manage unexpected expenses, make a big purchase, or deal with financial emergencies. This blog explores the 15…

Category:Personal Loan Archive
Celebrate with Joy, Not with Debt – Here's How to Keep the Festivities Stress-Free!
September 26, 2024

With great credit cards comes a great risk of credit card debt. As the festive season approaches, many consumers in India start preparing their wishlists on several online platforms. These platforms offer great deals, but it's crucial to understand that getting into these lucrative offers also marks the beginning of…

Category:Media Coverage
No-Cost EMI Guide: How It Works, Advantages and Eligibility
September 26, 2024

A no-cost EMI (Equated Monthly Instalment) is a financial arrangement that allows buyers to purchase goods or services without paying additional interest or fees over the principal amount. In this process, the total cost of the product is divided into equal monthly payments. In simple terms, no-cost EMI can also…

Category:Personal Loan Archive
Home Loan vs Loan Against Property
September 05, 2024

Two options that are frequently considered when it comes to financing are a home loan and a loan against property. Both provide significant financial assistance, but they have different uses and have different terms and restrictions. Making an informed choice based on your unique needs requires knowing the main distinctions…

Category:Home Loan Archive
Everything You Need to Know About Prime Lending Rates in India
August 27, 2024

It is important for anyone considering obtaining a home loan in India to be informed about the Prime Lending Rate (PLR) and other benchmark rates, such as the MCLR, Base Rate, and Repo Rate. Because they determine the interest rates on various loans, these rates have a big influence on…

Category:Home Loan Archive
What is a Credit Card Grace Period?
January 07, 2024

A grace period is a period that falls between the billing date and the due payment date. You’ll be charged a minimum amount on purchases during this period, or there will be no charges at all. It’s not a requirement for credit card companies to provide a grace period. However,…

Category:CIBIL Score Archive