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The Ledger

Market news & money guides

What moved the markets, and what it means for your money, explained in plain English.

Guides

How Loan EMI Is Calculated: Formula, Example and Tips

Learn the EMI formula, see a worked loan example and find out how the interest rate and tenure change what you pay every month.

Investing

SIP vs Lump Sum: Which Investing Approach Suits You?

SIP or lump sum? Compare how each approach handles market timing, volatility and discipline, and when each one tends to work better.

Personal Finance

Compound Interest Explained: Why Time Beats Timing

Compound interest explained simply: the formula, the Rule of 72, how compounding frequency matters and why starting early is so powerful.

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