Deepika Chelani is the Chief Sub-Editor at LiveMint. A business media enthusiast, she covers the personal finance beat, focusing on themes such as investment strategies, mutual funds, and wealth management. Deepika's insights and expertise have been featured in Hindustan Times Syndication, LiveMint, and MSN.
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India (National)
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Deepika's coverage is heavily focused on personal finance and investment-related topics, with a significant portion dedicated to providing data and guides. If you have expertise in these areas, particularly related to the Indian market, offering insights into new financial products or trends could be well received.
As Deepika often provides how-to guides and analysis of financial data, consider pitching her practical tips for managing personal finances or investments that are relevant to an Indian audience. Additionally, if your pitch includes specific references to the Indian regulatory environment or market conditions it may resonate more effectively.
Given her focus on national coverage within India, any pitches should be tailored specifically to cater to an Indian audience and address local financial issues or developments.
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Credit scores across Indian cities show a narrow gap, with both large metros and smaller cities performing similarly, reflecting improved credit awareness and repayment habits nationwide.
Your credit score is just a snapshot; lenders actually study your full credit report to understand how you manage money over time.
BNPL makes spending feel easy, but small purchases across multiple apps can quietly build into a larger debt if you don't track them.
Young earners are entering credit early through cards, BNPL, and instant loans, often without understanding how repayment works. Easy access and poor tracking lead to overspending, missed payments, and long-term damage to their ability to borrow later.
Lenders focus more on your repayment history than your salary because it shows your actual behaviour and reliability in paying back loans over time.
Same EMI, same tenure, but your credit score decides how much you actually get and how much extra you pay. Looks like the same loan on paper, but one small number can cost you thousands without you even noticing.
A longer loan tenure may cost more in interest, but it gives you lower EMIs, better cash flow, and the flexibility to manage life and prepay when possible.
₹1 lakh for gold is not what it used to be, it buys just a fraction today. This Akshaya Tritiya, the real story is not tradition, it is shrinking purchasing power.
Closing a 25-year home loan in 10 years is not realistic with small tweaks like one extra EMI a year. It usually needs a sharp EMI increase along with regular lump-sum prepayments.
Investing a small SIP alongside your home loan can grow over time to match the total interest paid, effectively offsetting the cost through disciplined compounding.
