GroGinie Blog
Plain-English guides to grow your money: funds, deposits, tax, insurance and loans.
Money abroad · updated 13 Nov
Rupee exchange rates this week: 1 USD = ₹94.09USD, AED, EUR, GBP, SAR and more against the rupee on 13 Nov 2026, updated automatically every week.
13 Nov 2026 · 1 min read
Retirement · updated 13 Nov
PPF, SSY & post office interest rates: October–December 2026Current small savings rates: PPF 7.10% and more, updated automatically each quarter.
13 Nov 2026 · 1 min read
Fixed deposits · updated 13 Nov
Best FD rates this week (13 Nov 2026)The highest fixed deposit rates by tenure this week, read from bank websites. 6 months: State Bank of India 5.65%, 1 year: AU Small Finance Bank 6.35%, 2 years: AU Small Finance Bank 7.00%.
13 Nov 2026 · 2 min read
Money abroad
Sending money to India: why your rate is lower than the one on GoogleGoogle and our converter show the mid-market rate. Banks and transfer apps add a margin, and that margin is your real cost.
13 Nov 2026 · 1 min read
Fixed deposits
How to choose the right FD tenure (and get a better rate)The best FD rate is usually not at the longest tenure. Compare banks by tenure and split your money into a ladder.
13 Nov 2026 · 1 min read
Retirement
Do you want financial freedom? Find your number firstFinancial freedom means your investments can pay your expenses for life. Here's how to work out that number.
13 Nov 2026 · 1 min read
Loans
Home loan prepayment: how ₹1 lakh a year can save ₹18 lakhOn a ₹50 lakh, 20-year loan at 8.5%, prepaying ₹1 lakh every year saves about ₹18.6 lakh in interest and 6 years of EMIs.
13 Nov 2026 · 1 min read
Retirement
NPS after the 2025 changes: how much can you take out at 60?Non-government NPS subscribers can now take up to 80% as a lumpsum and need only 20% in an annuity.
13 Nov 2026 · 1 min read
Insurance
How much term insurance cover do you really need?Cover should replace the income your family depends on, plus loans and big goals, minus what you've already saved.
13 Nov 2026 · 1 min read
Retirement
Sukanya Samriddhi Yojana: a complete guide for parentsSSY pays 8.2% tax-free. ₹1.5 lakh a year for 15 years can grow to about ₹71.8 lakh by maturity.
13 Nov 2026 · 1 min read
Retirement
PPF explained: rate, rules and how much it growsPPF pays 7.1% tax-free for Oct–Dec 2026. ₹1.5 lakh a year for 15 years grows to about ₹40.7 lakh.
13 Nov 2026 · 1 min read
Mutual funds
Step-up SIP: why raising your SIP every year changes everythingA ₹10,000 SIP raised by 10% a year can grow to about twice what a flat SIP builds over 20 years.
12 Nov 2026 · 1 min read
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