The Purpose or Need of Debt

Mastering Debt-to-Income Ratios for Sustainable Financial Planning

Imagine you are reviewing a client’s portfolio transition for a mid-career professional in Mumbai. While analyzing their application for a home loan, you notice their existing EMI burden already consumes 35% of their net...

The Arbitrage of Debt: Evaluating Interest Rates Versus Expected Returns

Imagine you are reviewing a client’s portfolio who is considering an education loan for their child while holding a substantial corpus in a diversified equity mutual fund. As an analyst, your immediate task is not just...