Understand Money.
Improve Credit.
Build Wealth.
Join 10,000+ Indians who've transformed their financial future with expert guidance and practical tools.
Credit Score
Understand your creditworthiness and unlock better financial opportunities
Free Credit Score Check
*Your data is secure and protected under RBI guidelines
How Your Credit Score is Calculated
Key Factors
- Payment History (35%)
- Credit Utilization (30%)
- Credit Age (15%)
- Credit Mix (10%)
- Recent Inquiries (10%)
Improve Your Credit Score
Pay Bills on Time
Set up automatic payments to never miss due dates
Lower Credit Utilization
Keep credit usage below 30% of your limit
Monitor Regularly
Check your score monthly for accuracy
Avoid Multiple Applications
Space out credit applications to minimize inquiries
Credit Score Tracker
Track Progress
Get monthly updates on your credit score improvement journey
Loans & Cards
Smart borrowing made simple. Learn everything about loans and credit cards without the sales pressure.
Personal Loan Guide
Everything you need to know about personal loans in India
- Interest rates comparison
- Eligibility criteria
- Documentation checklist
Home Loan Basics
Navigate home loans with confidence and clarity
- Fixed vs floating rates
- Prepayment benefits
- Tax benefits explained
Credit Card Usage
Master credit cards without falling into debt traps
- Common mistakes to avoid
- Rewards maximization
- Interest calculation
EMI Calculator
Your EMI Details
Interest Rate Comparison
| Bank | Personal Loan | Home Loan | Credit Card |
|---|---|---|---|
| SBI | 10.50% - 15.50% | 8.50% - 10.15% | 3.30% - 3.50% monthly |
| HDFC | 10.75% - 16.00% | 8.60% - 10.50% | 3.40% - 3.60% monthly |
| ICICI | 11.00% - 16.50% | 8.75% - 10.75% | 3.50% - 3.75% monthly |
*Rates are indicative and subject to change based on credit profile
Personal Finance
Master your money with practical tips and proven strategies. Build wealth one step at a time.
Latest Finance Tips
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Simple lifestyle changes that add up to big savings over time
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Which is better for your risk profile and financial goals?
6 min read • 3 days agoFinancial Calculators
50-30-20 Budget Calculator
Debt Reduction Planner
Debt free in
14 months
Stock Market
Start your investing journey with beginner-friendly guides and Indian market insights.
What is Stock Market?
The stock market is where investors buy and sell ownership stakes in public companies through NSE and BSE.
Key Concepts:
- •Shares represent company ownership
- •Prices determined by demand and supply
- •BSE has 5000+ listed companies
- •NSE is India's largest exchange
IPO Basics
Initial Public Offering (IPO) is when a private company goes public for the first time.
Investing vs Trading
Long-term Investing
- • Buy and hold for 3-5+ years
- • Lower risk, compound growth
- • Tax benefits after 1 year
Short-term Trading
- • Buy and sell within days/weeks
- • Higher risk, quick profits
- • Higher tax rates apply
Risk Management
Tools
Calculate your financial future with our easy-to-use tools. No jargon, just clear results.
Credit Score Simulator
SIP Calculator
EMI Calculator
Goal-Based Savings
About My Finance Lab
Empowering every Indian to make confident financial decisions through simplified education and transparent guidance.
Our Mission
My Finance Lab aims to simplify finance for every Indian. We're building a trusted platform where complex financial concepts become accessible, actionable knowledge.
What Drives Us
- Financial literacy for all income levels
- Transparent, unbiased information
- Practical tools and calculators
- Long-term wealth building strategies
Education First
Knowledge over products. We prioritize teaching before selling.
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Community Driven
Built by Indians, for Indians. Real stories, real results.
Trust & Compliance
Your financial security is our top priority
Educational Purpose Only
All content is for educational purposes only. Not financial advice. Consult licensed professionals before making investment decisions.
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Privacy Policy
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Last updated: October 2024
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