Subbiah

  Imagine being stranded in the middle of nowhere, your electric car running on its last few kilometers and no charging station in-sight. This fear of range anxiety is real and it’s one I’ve personally felt more than once. Image Source: Unknown           The good news? Things are changing. The proliferation of home chargers with capacities of 7 kWh and above, which take around six to seven hours to fully charge a car depending on the model, is bringing running costs down by nearly a third. Coupled with the increasing range of modern electric cars, this shift could trigger a massive surge in EV sales. I Image Source: Cars24           Last month, at the Bharat Mobility Global Expo in Delhi, I witnessed three major carmakers—Maruti Suzuki, Hyundai and Vinfast—unveil their latest electric models. But what caught my attention more than the cars was their aggressive push for a widespread charging infrastructure.  ...

        I vividly remember the challenges and excitement of managing finances in my 30s. Back then, I juggled career growth, family responsibilities, and long-term financial planning—experiences that many of you in your 30s and 40s can relate to today. One decision that had a profound impact on my financial journey was the Reserve Bank of India’s (RBI) rate cuts. In this article, I share my personal account of how these rate cuts affected my Equated Monthly Installments (EMIs), my post-interest value evaluation (Post I.V.E), and some of the negative aspects that came with these changes—all while using real numbers from my own experience. Image Source: Freepik.com Understanding RBI Rate Cuts The RBI periodically adjusts its policy interest rate—the benchmark rate at which commercial banks borrow from it—to influence economic activity. A rate cut typically means that borrowing becomes cheaper, which can translate into lower interest rates on loans. When I was ...