Answers, by category

Eligibility depends on your age, income, employment type, existing obligations and CIBIL score. Salaried and self-employed applicants both qualify. We do a free assessment and CIBIL check before you apply.

Home loan rates start from around 7.10% p.a.* and vary by lender, loan amount and profile. We compare offers across banks and NBFCs to get you the most competitive rate.

Lenders charge a processing fee (usually 0.25%–1% of the loan). We disclose all charges upfront and often help you get them reduced or waived during promotions.

Typically KYC (Aadhaar/PAN), income proof (salary slips/ITR), bank statements, and property papers. We share a simple checklist and offer doorstep document pickup.

We move your existing home loan to a lender offering a lower rate, reducing your EMI and total interest. A top-up loan can often be added during the transfer.

EMI depends on loan amount, interest rate and tenure. Use our EMI calculator to estimate it instantly, then we help you fine-tune the tenure to suit your budget.

Home loans are usually available for up to 30 years. A longer tenure lowers the EMI; a shorter one reduces total interest. We help you choose the right balance.

It depends on your family size, city and medical history. In metros a family floater of ₹10–25 lakh is common. We recommend the right sum insured and plan for your situation.

Term insurance is pure protection — high cover at low premium with no maturity payout. Traditional life/endowment plans combine insurance with savings and offer a maturity benefit.

Yes, at least third-party motor insurance is legally required in India. We also recommend own-damage/comprehensive cover for full protection of your vehicle.

For cashless claims, treatment happens at a network hospital/garage and the insurer settles directly. For reimbursement, you pay first and claim later. We guide you through documentation at every step.

Premiums can be paid online, by auto-debit, or in installments depending on the plan. We remind you before due dates so your policy never lapses.

Renew before the due date to keep continuous cover and retain benefits like no-claim bonus. We proactively assist with timely renewals.

A Systematic Investment Plan lets you invest a fixed amount every month. It builds discipline and averages out market ups and downs over time. You can start from as little as ₹500/month.

SIP suits regular income and volatile markets; lump sum suits investing a one-time surplus. Often a mix works best. We recommend based on your goals and cash flow.

Returns are market-linked and not guaranteed. Equity funds have historically delivered higher long-term returns with higher short-term risk; debt funds are steadier. Use our SIP calculator to project growth.

Risk varies by fund type — equity is higher risk, debt lower, hybrid in between. We match funds to your risk appetite and time horizon.

Taxation depends on fund type and holding period (short-term vs long-term capital gains). ELSS funds also offer tax deduction under 80C. We explain the implications for your investments.

You can redeem online anytime (except lock-in funds like ELSS). Proceeds are usually credited within a few working days. We help you plan withdrawals tax-efficiently.

Yes, a one-time KYC (PAN, Aadhaar, bank details) is mandatory. It is fully paperless and we assist you through it.

Opening is fully online and paperless — you need PAN, Aadhaar, a bank account and a few minutes. We guide you through the whole process.

We help you open a free demat account with zero opening charges. Some depositories levy a small annual maintenance charge (AMC), which we disclose upfront.

Brokerage is the fee charged per trade. Plans vary — flat-fee, percentage, or discount broking. We help you pick a cost-effective option for your trading style.

Once your demat and trading account are active and funded, you can buy and sell shares through the trading app. We guide you through your first trade.

Yes, KYC is mandatory and done online during account opening using PAN and Aadhaar.

AMC is an annual maintenance charge some providers levy to keep the account active. We help you choose accounts with low or zero AMC where possible.

Shares and securities you buy are held electronically in your demat account. We provide guidance and ongoing support as you build your portfolio.