Adults

1. 1
   Bank accounts and UPI

   Which account you need, the charges that hide in minimum balances, UPI safety, nomination and the ₹5 lakh deposit cover.

   5 min
2. 2
   Your credit score

   What the CIBIL number means, the five habits that move it, and how to check and correct your report for free.

   5 min
3. 3
   Credit cards without the trap

   How the billing cycle works, why 3% a month is 42% a year, and the minimum-due habit that keeps people in debt.

   5 min
4. 4
   Loans and EMIs

   What sits inside an EMI, why flat rates mislead, when prepayment saves the most, and how much loan your salary can carry.

   5 min