Chirag's Personal Blog

Introduction: The Zero Balance Revolution In 2025, Indian banking has transformed dramatically. The burden of maintaining minimum balances and facing penalties for non-maintenance is becoming a relic of the past for informed consumers. Zero balance savings accounts do not charge any penalties on zero balance and come with multiple benefits for the accountholders. However, there's a critical distinction most guides overlook: Not all zero balance accounts are created equal. Many banks promote BSBDA (Basic Savings Bank Deposit Account) under schemes like Pradhan Mantri Jan Dhan Yojana, but these come with significant limitations—typically only 4 withdrawals per month, no chequebooks, and restricted digital access. This comprehensive guide focuses exclusively on feature-rich digital savings accounts that offer: ₹0 Monthly Average Balance (MAB) requirement Unlimited digital transactions (UPI, IMPS, NEFT, RTGS) Full banking features (chequebooks, debit cards, net banking) N...

Introduction: The Zero Balance Revolution In 2025, Indian banking has transformed dramatically. The burden of maintaining minimum balances and facing penalties for non-maintenance is becoming a relic of the past for informed consumers. Zero balance savings accounts do not charge any penalties on zero balance and come with multiple benefits for the accountholders. However, there's a critical distinction most guides overlook: Not all zero balance accounts are created equal. Many banks promote BSBDA (Basic Savings Bank Deposit Account) under schemes like Pradhan Mantri Jan Dhan Yojana, but these come with significant limitations—typically only 4 withdrawals per month, no chequebooks, and restricted digital access. This comprehensive guide focuses exclusively on feature-rich digital savings accounts that offer: ₹0 Monthly Average Balance (MAB) requirement Unlimited digital transactions (UPI, IMPS, NEFT, RTGS) Full banking features (chequebooks, debit cards, net banking) N...

Last Updated: November 21, 2025 Verified Status: ✅ All 100+ tools checked for active free tiers. Let's be real: paying $20/month for every AI tool is unsustainable. You need a coding assistant, a debugger, a web builder, and a data agent. That adds up to $100/month fast. But here's the secret the SaaS companies don't want you to know: You can get a production-grade AI coding stack for $0. I have spent the last week testing, verifying, and ranking over 100 AI coding agents and platforms . These aren't just "free trials" that ask for a credit card and charge you after 7 days. These are tools with generous, perpetual free tiers , open-source models , or cloud-based credits that you can rotate for practically unlimited usage. Whether you're a student, an indie hacker, or just frugal, this is your new bible for free AI coding. 🏆 The "God Tier" (Must-Haves) If you only use five tools from this list, make it these. They offer the highest val...

The Ultimate Guide to Best Mobile Recharge Apps with Cashback in 2025 By Chirag Singhal | Updated November 21, 2025 The world of mobile recharges has evolved far beyond simple top-ups. In 2025, recharging your phone is a strategic opportunity to earn money back, gather loyalty points, and unlock premium digital services. With the Indian digital payment landscape maturing, competition is fierce. Giants like Paytm, PhonePe, and Google Pay are battling emerging players like EaseMyDeal and Tata Neu to offer the most lucrative incentives. This comprehensive guide ranks the top 24 mobile recharge apps available in 2025, verified for active cashback offers and additional ecosystem benefits. Introduction Gone are the days of visiting a local vendor to top up your SIM. Today, your smartphone is a digital wallet that pays you to recharge. Whether you are looking for flat cashback, rewards points that convert to flight tickets, or "earning" apps that let you recharge for free, t...

Best Apps for Credit Card Bill Payment Cashback in India 2025 By Chirag Singhal | Updated November 21, 2025 Paying credit card bills doesn't have to be a chore—it's an opportunity to earn rewards! In 2025, India's fintech landscape has evolved with UPI integrations, AI-driven reminders, and competitive cashback offers. This updated guide verifies over 20 platforms based on real-time data from official sites, user reviews, and recent promotions (sourced from Google searches and YouTube analyses as of November 2025). We've corrected inaccuracies from earlier lists—many "apps" like Instamojo, LazyPay, and Setu platforms focus on gateways or debit optimizations rather than direct cashback on credit card bills. Only verified cashback providers are included here. We've sorted platforms by maximum cashback rate (descending) for easy comparison, added new entrants like XOPay (highlighted in 2025 reviews for high yields), and enhanced with stacking tips, securit...

Complete Guide: 40+ Best Platforms to Check Credit Score for Free in India (November 2025) Your credit score is one of the most important financial metrics in today's world. Whether you're applying for a credit card, personal loan, home loan, or even renting a property, lenders and landlords check your credit score to assess your creditworthiness. In India, your credit score ranges from 300 to 900, with a score of 750 or above considered excellent. The good news? You don't need to spend ₹1,000+ annually on paid CIBIL memberships to monitor your credit health. There are 40+ platforms offering free credit score checks from various credit bureaus including CIBIL, Experian, Equifax, and CRIF High Mark. Understanding Credit Bureaus in India India has four major credit bureaus licensed by the Reserve Bank of India (RBI): TransUnion CIBIL - India's oldest and most widely used credit bureau (established in 2000) Experian - Global credit information company operating...