Neha Agarwal
Loans, EMI, Personal Finance, Home Buying
Personal finance advisor who specializes in home loans, car loans, and EMI optimization. Neha has helped 500+ families make informed borrowing decisions through data-driven analysis.
16 articles
Articles by Neha Agarwal
12 min read · 26 Jun 2026
When RBI Cuts the Repo Rate, How Much Does Your EMI Actually Drop?
A 0.50% RBI repo rate cut can lower your EMI by ₹1,600/month or save ₹3.8 lakh in interest—if your bank passes it on. Here's how to claim it.
7 min read · 24 Jun 2026
Car Loan vs Paying Cash: What a New Car Really Costs You
Wondering whether to take a car loan or pay cash? We break down EMI, interest, and opportunity cost to reveal what your new car really costs.