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Vikas Tarachandani3 articles

Co-Founder

Co-Founder at Sure. Financial Services Growth Leader with proven track record of driving profitability in retail banking, credit underwriting models & risk management solutions.

Retail BankingCredit UnderwritingRisk ManagementFinancial Services Growth

Articles by Vikas Tarachandani(3)

Dashboard showing Indian borrower overpaying on home loan interest with EMI breakdown and rate comparison
Home Loan Guide

Why Indians Overpay on Their Loans: And How to Stop

74% of Indian home loan borrowers are overpaying on interest right now. It is not bad luck — it is a system designed around inertia. Here is how to fight back.

home loan overpaymentinterest rate optimisationEMI savings
VVikas Tarachandani
9 min
Person reviewing a credit report to spot hidden loans and unknown enquiries
Credit Score Tips

Hidden Loans in Your Name? How to Check and Fix It Fast

A practical, step-by-step guide to detect unknown loans/EMIs linked to your PAN and resolve fraud or reporting errors before they hurt your credit score.

hidden loanscredit reportCIBIL
VVikas Tarachandani
8 min
Illustration explaining how Indian banks decide home loan interest rates using repo rate, MCLR and risk profile
Home Loan Guide

How Banks Decide Your Home Loan Interest Rate (India Guide)

Your home loan interest rate follows a clear formula. Understand how banks decide rates in India using repo, MCLR, spreads and your risk profile and see how to use that knowledge to save money.

home loan interest ratehow banks decide loan ratesrepo linked lending rate
VVikas Tarachandani
9 min