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The Journal.

Notes from the desk — what lenders in Gandhinagar actually do, as opposed to what their brochures say. Written by the people running the files, not by a content agency.

Balance Transfer · 6 min

When a balance transfer is not worth it

Everyone shows you the monthly saving. Almost nobody shows you the month it turns positive — and that is the number that decides whether to move at all.

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The number that decides it

break
even

Gandhinagar

Jantri, stamp duty, and what a Gandhinagar buyer really pays

The 4.9% everyone quotes is only the start. What jantri value means, why the higher of two numbers is used, and the line most buyers forget to budget.

8 min
21 Aug 2026

Reading is fine. Numbers are better.

Two lines and you will see what our panel would each put on the table.

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