Journal

Field notes on
borrowing well.

Rates, construction finance, and MSME lending — explained without the jargon, from the advisors who work the files.

TERM LOANfixed scheduleREVOLVING CREDITDRAFT
Rates·6 min read

RBI's draft curb on NBFC revolving credit: what it means if you're borrowing from one

9.5%p.a. — Lender A9.5%p.a. — Lender B+ fees not shown?
MSME·5 min read

Why two MSME owners with the same file get quoted completely different rates

HOME LOAN++ INSURANCEpremium + interest, 20 yrs
Home Loans·5 min read

The insurance quietly bundled into your home loan: what it's actually costing you

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