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Financial Planning in the App Era: Managing Money Fully Online
August 7, 2026 | 6 mins read
India processes nearly half of all real-time digital payment transactions worldwide. Smartphones have replaced passbooks, algorithms have replaced spreadsheets, and the branch visit that once consumed a half-day now takes around 90 seconds.
Why Do Indians Struggle with Financial Planning Despite High Savings?
August 7, 2026 | 8 mins read
India is a nation of savers. The household savings rate consistently hovers around 30% of GDP, one of the highest in the world. Yet millions of Indian families work hard their entire lives, park money in fixed deposits and savings accounts, and still retire with far less than they need. Their discipline with money is real. The gap between that discipline and actual financial growth, however, is equally real.
How to avoid panic selling in stock market volatility
August 6, 2026 | 5 mins read
Believe it or not, the chances of drowning increase when you panic in water. Instead, staying calm, conserving energy, and focusing on swimming back to the edge improves your chances of getting out safely. The same principle applies to investing. Market volatility can trigger fear and anxiety. But if you let these emotions drive your investment decisions and indulge in panic selling, you may end up suffering bigger losses.
How to Start Investing in Low-Risk Options in India
July 30, 2026 | 6 mins read
Most people delay investing for one reason: they fear losing money. But sitting on cash carries its own risk, just a slower, less visible kind. If inflation averages 4%, which is the RBI's own target, goods that cost ₹1 lakh today will cost nearly ₹1.22 lakh in five years. Your savings don't just need to grow; they need to outpace that number. Not investing your money anywhere just means its value will erode over time due to inflation.
Credit Card Loan vs Personal Loan: Which Option Is Better for Borrowers?
July 30, 2026 | 6 mins read
Two borrowers can take the same ₹1 lakh loan and end up repaying very different amounts. The difference lies in the repayment structure, whether the debt is revolving or fixed, flexible or disciplined. Individuals typically borrow when liquidity is insufficient, when an expense needs to be spread over time, or when immediate access to funds is required. A credit loan can be structured in two ways. A personal loan provides a fixed amount with a defined repayment schedule, while a credit card loan allows access to funds within an existing credit limit.The structure you choose directly influences both the cost of borrowing and the level of control you retain over repayment.
Liquid Funds vs FD: Where Should You Park Your Money?
July 30, 2026 | 4 mins read
You can’t compare apples to oranges, but can you compare liquid funds to fixed deposits (FDs)? To some extent, yes. Both investment options allow you to park your money while earning returns. However, they differ in terms of return potential, risk, liquidity, and several other factors.
EPFO 3.0: Withdraw EPF balance via UPI and ATMs
July 27, 2026 | 8 mins read
EPFO’s 3.0 upgrade will let you pull PF money instantly into your bank using UPI and even withdraw it from UPI-enabled ATMs, with almost no paperwork, the withdrawal rules stay the same, only the speed and convenience change.
CASA Ratio Explained: Meaning, Formula and Importance for Banks
July 24, 2026 | 5 mins read
Your salary comes in. Your rent goes out, EMIs get debited, bills get paid, and somewhere in between, you check your balance and move on. The account doing all of this work has a name in banking: a CASA account. Most people never stop to think about it—until they are trying to understand their bank better.
Portfolio Rebalancing in 2026: Understanding the 10% Gold Rule
July 8, 2026 | 6 mins read
The year 2025 saw a sharp increase in gold prices, with prices for 10 grams of 24-karat gold crossing ₹1.2 lakh in October. Prices continued to climb into 2026, with gold crossing ₹1.5 lakh per 10 grams. This surge has gradually shifted gold from being seen primarily as an emotional investment to being considered an important financial asset for portfolio diversification. While the rising interest in gold investments may be recent, financial planners have long suggested adding a modest portion of this shining metal to a portfolio, often referred to as the 10% gold rule.
Tax Planning Basics Every Indian Family Should Know
May 11, 2026 | 5 mins read
While most Indian households have begun to recognise the importance of family financial planning, tax planning is still often treated as an individual responsibility. However, when approached collectively, family tax planning can lead to significant tax savings, improve cash flows, and enhance the overall financial health of a household.
What Are The Types of Life Insurance Policies to Invest In?
April 17, 2026 | 5 mins read
Life is unpredictable and securing your and Life insurance acts as a financial safety net, ensuring that your loved ones are protected even in your absence. Whether it's covering daily expenses, paying off loans, or funding long-term goals like education, life insurance policies provide the financial stability your family needs. In addition, these plans offer peace of mind, security and can even serve as a tool for wealth creation, depending on the type of policy you choose.
Reimagining the Digital Function to Create a Truly Customer-Focused Business
April 9, 2026 | 4 mins read
In today’s financial services industry, where product parity is high and price wars are frequent, customer experience is the true differentiator. And this isn’t just theory—it’s measurable, actionable, and transformative.
What is a Non-Callable Fixed Deposit?
November 12, 2025 | 8 mins read
Fixed deposits (FDs) have long been India’s go-to parking lot for surplus cash, as they offer predictable returns, near-zero paperwork, and deposit insurance of up to ₹5 lakh.
PPF vs VPF: What’s the Difference and Why Does it Matter?
November 12, 2025 | 8 mins read
Choosing the right long-term saving and retirement tools ranks among the biggest money decisions most Indians face. Two products that stand out for disciplined saving, tax relief, and sovereign backing are the Public Provident Fund (PPF) and the Voluntary Provident Fund (VPF).
How to Download EPF Passbook Online?
November 12, 2025 | 6 mins read
Tracking your retirement corpus is crucial as you invest funds into it over the years. EPF being a popular vehicle for building this sum, the EPF passbook is a key record to track the progress of your retirement goals.