Credit · 8 min read
Credit scores in India, explained
How credit scores work in India: the four RBI-licensed bureaus, the 300-900 range, what actually moves your score, common myths, and your free report rights.
The notebook
Money in India, explained plainly.
Guides written the way we build: honest, India-specific, and allergic to hype. Educational only — where rules or rates can change by notification, we say so and point you at the official source.
- Data rights · 7 min read
The DPDP Act: what India's data law gives you
A plain-English guide to India's DPDP Act — consent, your rights to access, correction and erasure, grievance redressal, and what the 2025 Rules change.
- Tax · 7 min read
GST for Freelancers and Small Businesses in India
When GST applies to Indian freelancers and small businesses — registration thresholds, compulsory cases, filing rhythm, input tax credit and invoicing basics.
- Tax · 8 min read
ITR Filing for Salaried People: A Plain Walkthrough
A plain-language guide to filing your income tax return as a salaried person in India — ITR-1, Form 16, AIS, regime choice, e-verification and deadlines.
- Payments · 7 min read
Track expenses from UPI and bank SMS, no typing
Every UPI payment sends you an SMS. How automatic expense tracking works in India: what bank messages contain, privacy and DPDP consent, and a practical setup.
- Data rights · 7 min read
What is an Account Aggregator? Explained simply
What India's Account Aggregator framework is, how RBI-licensed AAs like Finvu and OneMoney move your data with consent, and how to revoke it under the DPDP Act.
Everything here is educational — not financial, tax, credit, or legal advice. Figures that change by notification are stated with their source; verify on the official portal or with a professional before acting.