Budgeting, loan readiness, and ITR filing tips tailored for Railway employees.
1) Before Taking a Loan
- Calculate EMI affordability (keep EMI <30% of net salary).
- Compare interest rates and processing fees.
- Maintain a healthy credit score by paying on time.
2) Choosing the Right Loan
- Personal loan for short-term needs
- Home loan for property purchase
- Vehicle loan for two/four-wheelers
3) ITR Filing Basics
- Keep Form-16 and investment proofs ready
- Choose the correct ITR form based on income
- File before the due date to avoid penalties
Need help? Use our Financial Services—members get priority support for Loan Assistance & ITR Filing.