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Personal Loan vs Credit Card Debt 2026 — Which One Actually Saves You Money?
Loans Aug 27, 2026 7 min read

Personal Loan vs Credit Card Debt 2026 — Which One Actually Saves You Money?

Personal Loan vs Credit Card Debt 2026 is a decision millions of Indians are quietly getting wrong every month — by paying only the minimum…

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Archana
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Credit Card Tax Rules 2026 — ₹10 Lakh Limit,  ITAT Case & Complete Compliance Guide
Tax & Compliance May 3, 2026 13 min read

Credit Card Tax Rules 2026 — ₹10 Lakh Limit, ITAT Case & Complete Compliance Guide

Credit card tax rules 2026 India changed the rules from April 1, 2026. Spending above ₹10 lakh per year now triggers mandatory SFT reporting to…

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Archana
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Key RBI Rates
Repo Rate5.50%
SDF Rate5.25%
MSF Rate5.75%

As of 7 October 2026 · Source: RBI

Quick EMI Calculator
₹50 Lakh
8.5%
Monthly EMI (20yr)
₹43,391
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Archana

14 years in Indian banking. Former loan officer. Now decoding RBI rules for every Indian saver.

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  • Mudra Loan 2026: Shishu, Kishor, Tarun and Tarun Plus Explained
  • Cash Credit vs Overdraft: Differences, Interest, Drawing Power and Which to Choose
  • PMEGP Loan 2026: Subsidy up to 35%, Eligibility, Project Report and How to Apply
  • Gujarat MSME Scheme 2026: 7% Interest Subsidy, Capital Subsidy and How to Claim
  • RBI Rule from 16 October 2026: Daily CRR at 99% Explained — Will Your EMI Rise?

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  3. PM Vishwakarma Yojana on Gujarat MSME Scheme 2026: 7% Interest Subsidy, Capital Subsidy and How to Claim
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Latest Articles

Mudra Loan 2026: Shishu, Kishor, Tarun and Tarun Plus ExplainedCash Credit vs Overdraft: Differences, Interest, Drawing Power and Which to ChoosePMEGP Loan 2026: Subsidy up to 35%, Eligibility, Project Report and How to ApplyGujarat MSME Scheme 2026: 7% Interest Subsidy, Capital Subsidy and How to ClaimRBI Rule from 16 October 2026: Daily CRR at 99% Explained — Will Your EMI Rise?

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Disclaimer: BadaBanker.com is an educational personal finance website. All content is for informational purposes only and does not constitute financial, investment, or legal advice. Banking rates, RBI rules, and regulatory guidelines change frequently — always verify with your bank or RBI's official website (rbi.org.in) before making any financial decisions. BadaBanker is not affiliated with any bank, NBFC, or financial institution. The author is not a SEBI-registered investment advisor.