Honest money guides for India — no jargon, no agenda

Menu
India Edition

No jargon. No paid rankings.

Finally, money advicethat makes sense

Insurance, credit cardsComing soon, loansComing soon, banking accountsComing soon, personal financeComing soon — we break it all down in plain English, with honest trade-offs and no spam. Just clear answers to real questions Indians ask.

NewIPO guide

Jio Platforms IPO

Bids open on 21 October. Here is what the red herring prospectus says, in plain English. Educational, not advice.

Read the full breakdown →

Key facts, as per the RHP

Price band
₹1,065–1,119
per share
Lot size
12 shares
₹13,428 at the cap
Issue size
~₹30,188 cr
fresh issue, no OFS
Anchor bidding
19 Oct
Monday
Bidding
21–23 Oct 2026
Wed to Fri
Allotment / listing
~26 Oct / ~28 Oct
indicative

Source: RHP, 14 Oct 2026. Allotment and listing dates are indicative. Issue size at the upper end of the band.

Independent reviews & verdicts for major Indian insurers

HDFC ERGO
ICICI LOMBARD
NIVA BUPA
STAR HEALTH
CARE HEALTH
TATA AIG
LIC INDIA
HDFC LIFE
ICICI PRULIFE
MAX LIFE
HDFC ERGO
ICICI LOMBARD
NIVA BUPA
STAR HEALTH
CARE HEALTH
TATA AIG
LIC INDIA
HDFC LIFE
ICICI PRULIFE
MAX LIFE

Explore Insurance Choices

Independent coverage guides, plan comparisons, and claim verdicts without broker bias.

CHECK
Health Insurance Checklist0% DONE
  • Check room restrictions (prefer no room rent limits)
  • Avoid high co-payment clauses (don't split the bill)
  • Look for unlimited restoration benefit features
  • Verify pre-existing disease waiting period is < 3 years
  • Select insurers with a high Claim Settlement Ratio (CSR)
Self-serve tools

Insurance Checklist

We know how difficult it can be to navigate through hundreds of policies. So we've designed this handy checklist to make sure you know exactly what to look for in a good policy before signing.

FAQ

How is health insurance different from term life insurance?

Health insurance covers hospital bills, medical treatments, and surgeries while you are alive. Term life insurance provides a pure, tax-free cash payout to your family if you pass away during the policy term.

What is a Claim Settlement Ratio (CSR) and why does it matter?

CSR is the percentage of total claims an insurer approves and pays out of all claims received in a year. A higher CSR (e.g., above 97%) generally indicates a more reliable claim settlement record.

What are room rent sub-limits in health insurance?

Some policies cap room charges to 1% of the sum insured per day. Exceeding this limit triggers proportionate deductions, forcing you to pay a large share of the entire hospital bill out of pocket.

What is a Zero Depreciation cover in car insurance?

Standard car insurance deducts value for wear and tear (depreciation) on parts like plastic and rubber during a claim. A Zero Depreciation add-on ensures the insurer pays 100% of the replacement parts cost.

Use a tool

Practical calculators for tax planning and decision support. More tools are added progressively.

Trust first

Scores are our own editorial judgement under a published methodology. Nobody pays for a position, and we call out downsides clearly.