Interest rates play a critical role in determining the cost of loans, and for Indian borrowers, the shift to External Benchmark Lending Rate (EBLR) has been a game-changer. 

India's digital payment ecosystem has experienced remarkable growth, with the Unified Payments Interface (UPI) leading the charge. 

Launched on April 8, 2015, the Pradhan Mantri Mudra Yojana (PMMY) is a flagship government initiative designed to “fund the unfunded.”

Let’s assume you invest ₹70,000 in a Fixed Deposit for a tenure of 5 years at an interest rate of 7.20%. Considering you have cumulative FD, where interest pay-out would happen only at the end of the FD tenure

Fixed Deposits (FDs) continue to be a popular investment choice among Indian consumers. According to the Reserve Bank of India (RBI), term deposits grew by 13.3% YoY in 2024, showcasing their steady demand despite the rise of other investment options.

The Indian government has taken significant steps to protect Micro, Small, and Medium Enterprises (MSMEs) from delayed payments. According to a 2023 report by the Ministry of Corporate Affairs (MCA), over ₹10,000 crore worth of payments to MSMEs were delayed beyond the permissible 45-day credit period.

With over 12 billion UPI transactions recorded in January 2024 alone, India's digital payments ecosystem continues to expand at an unprecedented rate.

Fixed Deposits (FDs) are one of the safest and most predictable investment options in India. Whether you are a risk-averse investor or simply looking for stable returns, an FD offers security along with assured earnings.

Did you know that nearly 30% of businesses fail due to cash flow mismanagement? One of the primary reasons behind financial struggles is the lack of clarity on capital allocation. 

Securing a business loan is often necessary for growth, but did you know that negotiating better loan terms can save you lakhs? According to an RBI report, nearly 35% of Indian SMEs struggle with unfavourable loan terms

On February 7, 2025, the Reserve Bank of India (RBI) took a decisive step to stimulate economic growth by cutting the repo rate by 25 basis points, bringing it down to 6.25%. 

On 7 February 2025, the Reserve Bank of India (RBI) cut the repo rate by 25 basis points bringing it down to 6.25%. 

In today's fast-paced digital world, banks continually innovate to enhance customer convenience and security.

Emergencies can happen at any time, and sometimes, they bring along unforeseen financial burdens. Whether it's a medical crisis, urgent home repair, or a sudden business setback, securing immediate funds becomes a priority. 

Imagine this: You're about to make a payment at your favourite online store or swipe your card at a restaurant. But have you ever wondered whether your choice of a RuPay or Visa debit card makes a difference? 

A Universal Banking Licence permits a financial institution to offer a wide array of banking services, including commercial and investment banking, under a single umbrella.

India's Micro, Small, and Medium Enterprises (MSME) sector is the dynamic engine of the economy, contributing significantly to employment, innovation, and GDP growth. 

Let’s assume that you’ve finally finished repaying your home loan or car loan after years of disciplined EMI payments.

With India’s rental housing market projected to grow at a CAGR of 5.3% from 2023 to 2028, more individuals are investing in rental properties. According to a recent report, around 28% of urban dwellers in India live in rented accommodations. 

Cheques remain a significant mode of financial transactions in India, despite the rise of digital payments. Whether for personal or business use, knowing how to fill a cheque correctly is essential to prevent errors, fraud, or rejection.

Imagine this: You’re at a café, enjoying a cup of coffee, when suddenly you realize your wallet is missing. Panic sets in as you recall that your debit card was inside. 

Imagine this—you open your bank statement expecting a healthy balance, but instead, you find a penalty deduction. Confused? The culprit could be your Monthly Average Balance (MAB)!

As of 2024, UPI (Unified Payments Interface) has become the backbone of digital payments in India, processing over 12 billion transactions per month with a total transaction value exceeding ₹18 lakh crore.

When you apply for a loan, your financial health plays a key role in determining whether your application is approved.

In the world of banking, the humble cheque continues to play a vital role, even as digital transactions take the lead.

A home loan is a long-term commitment that requires careful planning and financial prudence. Making informed decisions before applying for a home loan can save you from unnecessary financial strain in the future. 

Do you often feel like your salary vanishes before the month ends? Saving money might seem impossible on a ₹30,000 salary, but with the right strategies, you can effortlessly set aside ₹5000 every month—without sacrificing your lifestyle. 

Individual loan and personal loan are unsecured loans where you don’t have to pledge collateral to avail a loan. However, bot are designed to serve different purposes.

Dear reader, last night, while paying the auto driver, I realized my bank server was down, meaning I couldn’t use the UPI apps to make payment. Left with no other option, I handed him a ₹500 note. 

Managing your finances might feel like a complex task, but the 50/30/20 rule is a straightforward, efficient, and effective way to gain control over your money.

In Tamil Nadu, land records are important for establishing ownership and ensuring transparency in property transactions.

In recent years, banks in India have been rapidly adopting innovative financial technologies to enhance customer experience. 

You’ve just received your brand-new ATM or Debit Card, excited to access your funds seamlessly. But before you can use it, you need to generate a PIN. 

Tenancy agreements are legally binding contracts that specify the terms of occupancy between a tenant and a landlord.

Are you contemplating leveraging your home equity but find yourself tangled in the web of choices between a fixed-rate home equity loan and a Home Equity Line of Credit (HELOC)? You're not alone! 

When it comes to real estate transactions, clarity and legal documentation are paramount. One such critical document is the Conveyance Deed.

According to a recent report by the Reserve Bank of India (RBI), there are over 10 crore dormant accounts in the country, holding nearly ₹35,000 crore in unclaimed deposits. Dormant accounts, often overlooked by account holders.

Banks in India generally finance up to 85% of a property's value, leaving you to cover the remaining as a down payment.

Do you know that as on March 2024, there are unclaimed deposits of ₹78,213 crore lying in bank? It’s a 26% year-on-year jump!

In today’s fast-paced business world, having a current account isn’t just a good idea—it’s a necessity. 

Parenthood is a beautiful journey filled with countless joys and responsibilities.

The entrepreneurial landscape is diverse, encompassing a range of business entities that vary in size, purpose, and goals.

A Corporate Identification Number (CIN) is a unique 21-digit alphanumeric code assigned to companies registered in India by the Registrar of Companies (ROC). 

When it comes to saving taxes in India, many taxpayers often overlook how strategic use of financial products can double as effective tax-saving tools. 

Aarav, a young delivery executive in bustling Bengaluru, had a dream—owning a two-wheeler. 

Purchasing a new bike in India is an exciting yet significant decision.

Imagine earning more than 7% interest just by saving your money – sounds too good to be true? Not with Ujjivan Small Finance Bank!

Imagine a future where your child has the freedom to pursue their dreams, unburdened by financial constraints.

Gold has long been regarded as a safe haven for investment, offering security and consistent returns over time.

Imagine your money as a symphony—harmonized, smooth, and ever-progressing toward a crescendo of wealth. 

When it comes to corporate financial planning, one key aspect that businesses and organisations need to consider is how to maximise their returns on surplus funds. 

An overdraft (OD) against a Fixed Deposit (FD) is one of the fastest and most cost-effective ways to borrow money from a bank without prematurely breaking the FD. 

Did you know that Fixed Deposits (FDs) are one of the most trusted financial instruments among Indian households?

No fumbling for cash, no delays—just seamless, secure transactions. 

Imagine rushing to your bank for an urgent task, only to find the doors closed for a holiday you didn’t anticipate.

Both gold loan and home loan are secured loans – you have to pledge collateral to get a loan. 

On 7 February 2025, the Reserve Bank of India (RBI) cut the repo rate by 25 basis points, marking the first rate cut in 5 years. The current repo rate stands at 6.25% and the reverse repo rate at 3.35%.

Gold has always been a symbol of wealth and security. But did you know that it can also be your financial lifeline in times of need?

The gig economy in India has seen explosive growth in recent years, with platforms like Swiggy, Zomato, Uber, and UrbanClap contributing to a workforce of nearly 7.7 million gig workers in 2023, according to a NITI Aayog report.

In a bustling city, where technology is more than a tool—it’s a lifestyle—Meera, a young software developer, found herself in a dilemma.

Losing a loved one is never easy, and during such a difficult time, dealing with financial matters can add further stress to the situation.

It’s a sunny Tuesday morning, and you’re sipping your coffee, scrolling through social media. Life feels predictable, comfortable.

Imagine this: You’ve just discovered an advanced certification course that could elevate your career to new heights.

Fixed Deposits (FDs) and Certificates of Deposit (CDs) are two popular time-deposit investment options offering fixed returns.

Did you know a career break can boost your productivity and job satisfaction?

Imagine standing at the showroom, eyeing the latest scooter or a brand-new car. 

Imagine this: Anil, a middle-aged professional living in Mumbai, has worked hard his entire life. He opened a fixed deposit account years ago to secure his family’s future. 

Rajesh, a passionate entrepreneur from Pune, had been running a small garment business for five years.

India's Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country's economy.

India's digital payment landscape has experienced remarkable growth, with Point of Sale (POS) transactions playing a pivotal role.

In today's digital banking era, where convenience and security are key, have you ever wondered how banks effortlessly manage your multiple accounts and tailor services just for you?

In today's digital age, where cashless transactions are becoming the norm, ATMs play a crucial role in providing convenient access to your hard-earned money. 

Did you know that according to a report, India is at the top of the list for digital payments? It's interesting to note that India makes more digital payments than the next four top nations put together.

The global market for digital payments is predicted to increase at a compound annual growth rate (CAGR) of 11.2%. 

In today's fast-paced world, technology has revolutionised the way we conduct financial transactions. 

In the vibrant streets of Mumbai, two close friends, Arjun and Ravi, were planning their financial future. 

Imagine waking up to a quiet morning, sipping your favourite tea, and feeling the satisfaction of knowing that your finances are working for you. 

In the world of Fixed Deposits (FDs), a standalone FD is a unique and flexible financial product that allows you to invest without the need to open or maintain a savings account with the bank.

 Stock market investors have a problem. The Sensex tumbled nearly 3,000 points at the end of 2024.

Managing property records in Bangalore has always been a cumbersome task, often involving endless paperwork and manual processes. 

Imagine you're shopping online for a new pair of shoes. You find the perfect pair, add them to your cart, and proceed to checkout. 

Starting or expanding a business often requires financial support, but not every entrepreneur has an impeccable financial record.

In the fast-paced world of business, maintaining a steady cash flow is crucial for survival and growth.

The demand for home loans in India has surged by over 15% in 2024, largely driven by low-interest rates and the growing middle-class population.

Buying a home is a dream come true for many. But the financial burden of a hefty home loan EMI can be overwhelming.

Owning a home is a cherished dream for many. A home loan often makes this dream a reality by providing the financial assistance required to purchase a property. 

Buying land is a significant investment, and ensuring the legality of the property is crucial. One of the essential elements in verifying land ownership is the Land Survey Number.

Debit cards have become an essential part of our daily lives, enabling us to make secure and convenient transactions. 

Debit cards have become an important tool for managing our finances, especially in the digital age. 

In today’s digital age, online transactions have become a part of our daily lives. Whether it’s ordering your favourite meal, booking a vacation, or paying utility bills, the convenience of using debit and credit cards is unmatched. 

In today's digital age, debit cards have become an essential tool for managing our finances.

As of 2024, India’s digital payment ecosystem continues to expand, with over 12 billion transactions processed monthly through electronic payment modes, according to industry data.

Have you ever considered using your gold assets to secure a loan? Gold loans are an increasingly popular financial solution that allows you to leverage your gold jewellery or ornaments for quick access to funds. 

Are you looking to secure a loan using your gold assets? One of the crucial factors that determine the loan amount you can get is the Loan-to-Value (LTV) ratio. 

When you take a gold loan, you are required to repay the loan amount within a specified tenure.

The Indian gold loan market has experienced significant growth, with its value reaching approximately ₹7.1 lakh crore in 2024.

Gold loans are one of the most popular financing options in India, with the market growing to ₹7.1 lakh crore in 2024.

When faced with financial emergencies or important expenses like education or weddings, many people turn to loans to meet their needs. 

Gold loans have become increasingly popular in India as a quick and convenient way to meet financial needs. 

Gold has always been a valuable asset in Indian households. It holds sentimental value, but it can also be a great financial resource during challenging times.

The gold loan market has witnessed significant growth over the past decade, largely driven by robust economic trends.

If you’re repaying a home loan and need additional funds for purposes like home renovation or upgrading your property, a home loan top-up could be the ideal solution.

Did you know that even a 1% reduction in your home loan interest rate can save you thousands, if not lakhs, of rupees over the loan tenure?

Starting or expanding a business often requires a substantial financial investment.

In India, Micro, Small, and Medium Enterprises (MSMEs) contribute significantly to the economy, accounting for over 30% of India’s GDP and employing more than 110 million people.

According to recent studies, the global business loan market is projected to reach USD 12.15 trillion by 2027, driven by increasing demand from small and medium-sized enterprises (SMEs).

In today’s fast-paced digital era, technology has become a game-changer across industries.

Efficient, secure, and seamless payment systems are the backbone of a modern economy. 

Navigating the world of online banking can sometimes feel like walking through a maze blindfolded, especially with the increasing incidents of financial frauds. 

Your bank statement helps you track your financial transactions. However, it often contains jargon and abbreviations that can be confusing.

Savings accounts can be broadly categorised into two categories – accounts that come with minimum monthly balance maintenance requirements and accounts that come with zero monthly balance maintenance requirements.

Gold loans are gaining traction, especially because of its simple eligibility criteria, affordable interest rates compared to personal loans and quick disbursal process. 

Investing and saving money not only provides financial security but also offers psychological benefits that contribute to overall well-being. 

Building a secure financial future is a goal that many individuals and businesses strive to achieve.

Closing a recurring deposit account can be a complex process, but it doesn't have to be. Whether you need to withdraw funds for an emergency or want to close the account entirely, understanding the procedures involved is crucial.

In today’s fast-paced financial world, it’s easy to get lost in the maze of investment options.

The National Pension System (NPS) is a government-backed retirement savings scheme designed to provide financial security to Indian citizens in their golden years.

Current Accounts offer an essential gateway to simplify your daily financial transactions. You can choose a Current Account based on how you wish to manage your finances.

If you're considering closing your existing Gold Loan, it's essential to understand the process of foreclosure and the factors to consider before closing your loan.

Gold loans have emerged as a popular financing option for many Indians due to their quick processing, flexible repayment options, and no restrictions on end-use.

It’s better to calculate your loan EMI before taking a loan so that you can plan your finances better. 

When faced with financial needs, many of us turn to loans as a solution. 

Gold is not only considered a symbol of wealth and prosperity but is also seen as a valuable resource that can be utilised during times of financial need.

A cheque is a trusted financial instrument, but when it bounces, it can cause inconvenience, legal trouble, and financial loss.

Navigating the complexities of business loan repayments can seem daunting. 

Navigating the complexities of securing an MSME Loan can seem daunting, especially when it comes to the preparation of financial statements. 

The CIBIL or credit score determines your creditworthiness and plays a pivotal role in securing an MSME or business loan.

According to the Reserve Bank of India (RBI), cheque clearing volumes in India continue to account for billions of transactions annually, despite the rise of digital payments. 

When transferring money across borders, understanding SWIFT codes is essential. 

In our modern digital world, transferring money has become more convenient and accessible than ever before.

Gift-giving is a cherished tradition in Indian culture, symbolizing generosity and goodwill. 

Banks offer different types of interest-bearing accounts – Savings Accounts, Fixed Deposits, Recurring Deposits, etc.

When it comes to managing our finances, having the right type of bank account is crucial. In India, 78% of the population has a bank account, and the two popular banking options are Savings Accounts and Current Accounts. 

In the world of modern banking, convenience and security are paramount. Imagine being able to transfer money anywhere in the country with just a few taps on your smartphone.

In the digital era where online transactions dominate, cheques remain a cornerstone of financial transactions in India.

In the world of banking, there are certain documents that hold special significance despite not being used in the conventional way.

Planning to purchase a new bike or scooter? Avail a bike loan and turn your dream into reality! With bike loans or two-wheeler loans, you can get up to 100% financing of the total cost of the vehicle.

Owning a home is a dream come true for many. It's where we build our lives, create memories, and find solace. 

Taking joint Home Loan has several advantages. You not only get to share the repayment obligations with the co-borrower (generally, spouse or any other immediate family member), you can also save more on your taxes. 

Investing in real estate has become a popular choice for diversifying investment portfolios and increasing net worth. 

Managing and repaying your home loan faster, not only improves your financial stability, but can also save you money in the long term.

With the New Year around the corner, it’s time to keep that checklist ready. If renovating your house has made it to your list of items to tick off in 2025, keep reading this blog. 

Buying a house is arguably one of the most significant milestones in life. For many, it represents stability, achievement, and personal progress.

In on of the blogs, we have outlined how home loan part payment works. Your Home Loan,, barring processing fees, has two components – the principal amount (the loan amount disbursed) and the interest component 

In India, two-wheelers have become an essential mode of transportation. They offer freedom, convenience, and a cost-effective way to navigate through traffic. 

Dreaming of having a second home or vacation property? Many people aspire to have a space they can retreat to and enjoy leisure time with their loved ones. 

In today's digital era, technology has revolutionised almost every aspect of our lives, including how we buy homes. 

Both home loan and HRA (House Rent Allowance) come with tax benefits, albeit under different Income Tax laws. 

Buying a home is one of the most significant milestones in anyone's life.

We've all experienced the frustration of a transaction error wile transferring funds at some point in our lives. 

We all rely on ATMs for quick and convenient access to cash. But have you ever wondered why there are limits on the amount you can withdraw in one go? 

With the Reserve Bank of India (RBI) regulations effective from January 1, 2022, ATM users in India are allowed five free transactions per month across most banks.

Have you ever experienced a situation where money was deducted from your bank account, but you did not receive the cash from the ATM? It can be frustrating and confusing, leaving you wondering what steps to take next.

In an era where digital transactions are gaining ground, many people still prefer cash for various reasons.

In an era where speed and convenience are paramount, instant payment solutions have become essential for managing finances.

IMPS, which stands for Immediate Payment Service is a revolutionary interbank electronic funds transfer system in India.

Small Finance Banks (SFBs) are specialised financial institutions established with the primary goal of fostering financial inclusion by offering basic banking services to underserved and unbanked segments of society. 

In today's digital age, secure transactions, accompanied by convenience, has become the most sought after. 

IMPS (Immediate Payment Service) is a real-time interbank electronic funds transfer system in India that allows quick and hassle-free daily P2A (person to account) fund transfers of up to ₹5 lakh (per transaction) and up to ₹10 lakh (daily transaction limit).

In today's digital age, our identities are crucial for various transactions, especially in the banking sector. 

When it comes to making electronic fund transfers, the National Electronic Funds Transfer (NEFT) system is one of the most popular methods in India. 

In today's digital age, we rely heavily on electronic fund transfers to make payments conveniently.

Thinking about getting a home loan? Well, there’s a little more to it than just comparing interest rates. 

Until 2019, RBI had cut-off timings for online NEFT (National Electronic Funds Transfer) – 8:00 am to 6:30 pm from Monday to Friday and 8:00 am to 12:00 pm on Saturdays. 

RTGS (full form – Real Time Gross Settlement) is a specialised electronic funds transfer system used by banks to facilitate high-value and time-sensitive transactions. 

NEFT stands for National Electronic Funds Transfer. It was launched by the Reserve Bank of India (RBI) in 2005 to facilitate seamless money transfers between bank accounts across India.

ATM stands for Automated Teller Machine (ATM). Today, ATMs have become a cornerstone of modern banking, providing seamless access to financial services anytime, anywhere. 

RTGS stands for Real-Time Gross Settlement, a system designed for high-value transactions that demand immediate clearing. 

In the fast-paced world of retail, efficient financial management is crucial for success. 

Running a successful business requires efficient financial management, especially when it comes to handling high-volume transactions.

Choosing the right Recurring Deposit (RD) tenure is important for achieving your financial goals.

Buying a home is a dream for many, but it can be slightly overwhelming for few. From finding the right property to getting home loan approval, there are several factors to consider.

The decision to buy or rent a house is one of the most significant financial choices you'll make. It impacts not just your current lifestyle but also your long-term financial stability.

As you embark on your home buying journey, understanding the role of property valuation in the home loan approval process is crucial. 

In recent years, India's inflation rate has risen noticeably, prompting the Reserve Bank of India (RBI) to raise the repo rate by 250 basis points from May 2022. 

When it comes to investing our hard-earned money, safety is always a top priority.

Life events such as marriage, starting a family, buying a home, career changes, and retirement often trigger significant shifts in your financial situation.

Imagine living without the constant worry about money. That’s what effective financial security planning can offer.

Financial planning is essential for Micro, Small, and Medium Enterprises (MSMEs) seeking loans, as it helps them navigate the complexities of securing financial support while ensuring sustainable growth.

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of India's economy, contributing around 30% to the GDP and employing over 11 crore people.

Buying a house is a milestone many of us aim to achieve. However, the financial aspect of purchasing a home can seem daunting. 

With all the legal formalities involved. transferring property ownership in India could be slightly challenging if you aren’t aware of the nitty-gritties of it.

Property tax, also known as house tax, is levied by municipal authorities in India on real estate properties. 

When it comes to buying a home, there are several important steps in the process that must be followed. 

Managing a home loan during financial crises can be overwhelming, but with the right strategies, it is possible to navigate through challenging times without compromising your financial stability. 

In today's fast-paced world, individuals are constantly seeking reliable investment avenues to secure their financial future.

Saving money is an essential part of building wealth and achieving financial goals. If you're looking for a reliable way to save, consider opening a Recurring Deposit (RD) Account.

Want to close a Current Account? Understanding the account closure process is crucial, whether you're switching banks or consolidating your finances.

Effective cash flow management is vital for business success, and a current account is a primary tool in this process. 

Current account statements are essential financial documents that provide a detailed record of your business transactions. 

There are significant differences between a Current Account and a Savings Account.

A joint current account is a shared business account that allows multiple individuals to manage finances together. 

Are you thinking about opening a Current Account? It's important to carefully consider this decision, as it can shape your financial operations. 

Have you ever noticed that sometimes home loans become more expensive, or that the interest on your Fixed Deposit changes, even though you didn't do anything differently?

Did you know that even a subtle 0.25% change in the Reserve Bank of India's (RBI) repo rate can ripple through the entire economy, affecting everything from your home loan EMI to the interest on your business loan?

Are you aware of the recent reductions in the TDS (Tax Deducted at Source) rates for certain transactions?

Home renovation is an exciting yet expensive undertaking that can breathe new life into your living space.

Did you know that the Karnataka Stamps and Registration Department generated a record revenue of ₹20,837 crore this year?

One of the significant advantages of availing a Home Loan is that you can enjoy multiple tax benefits that helps in reducing your tax outgo. 

A relinquishment deed is a legal document used when someone gives up their rights or ownership of property or asset. 

MCGM stands for Municipal Corporation of Greater Mumbai. Residents of Mumbai are mandated to pay property tax every year towards MCGM.

According to the Bruhat Bengaluru Mahanagara Palike (BBMP) data, there are around 2.64 lakh property owners who are yet to pay property tax.

Are you passionate about your hobby but worried about the financial strain it might put on your wallet? 

Having a goal-based savings account offers several key benefits that make it an excellent tool for individuals who want to save efficiently and stay focused on their financial objectives.

Your wedding day is one of the most special moments in your life, but it can also be a significant financial undertaking.

Starting a small business can be an exciting endeavour, but it often comes with its fair share of financial challenges. 

Are you considering a micro business loan but feeling overwhelmed by the concept of loan repayment, tenure, and interest rates? Don't worry, you're not alone. 

Both micro loans and personal loans can be used to meet capital requirements for business. 

When you’re considering buying a property, understanding the financial landscape is crucial.

When securing loans, particularly Home Loans, you’re either a co-applicant, co-owner, co-borrower or co-signer. 

Starting a business requires capital, and for many aspiring entrepreneurs, securing seed funding can seem like an insurmountable challenge. 

Navigating the legal terrain of MSME loans can often seem daunting. As a small or medium enterprise owner

Investing wisely is essential for long-term financial stability and growth. 

For many of us, debt can be a significant burden that weighs us down financially and emotionally.

Remember how our parents used to tell us to keep our investments diversified to ensure all is not lost when there’s market downturn? 

Did you know the interest earned on Recurring Deposits (RDs) is taxable under the Income Tax Act, 1961? As a mandate, you have to add the interest earned on RD in a financial year to your total income under 'Income from Other Sources'. 

In today's fast-paced world, digital platforms have transformed the way we manage our finances.

Recurring deposits (RDs) are gaining popularity in India, especially in this seemingly gloomy bearish market. 

Most small to large scale businesses and traders have a Current Account. These accounts are non-interest bearing accounts that are designed to simplify day-to-day business transactions. 

Cash crunch is not uncommon in businesses. Thanks to overdraft facility in current accounts, you can tackle such emergencies without getting into high-interest debt.

Current accounts are meant for simplifying your daily business transactions. 

As an entrepreneur, financial stability is always a top priority. While focusing on growing your business, it's crucial to also build a financial cushion that can support you during lean periods or unexpected challenges. 

Financial inclusion is crucial to empowering individuals and communities to take control of their financial well-being. 

Whether you are saving for a future goal or building an emergency fund, Recurring Deposits (RDs) offer a convenient way to save money while earning fixed returns. 

Saving money and building a corpus for the future is a goal many of us strive for. One way to achieve this is through opening a Recurring Deposit (RD) account.

When it comes to farming and agriculture, farmers often face financial challenges in accessing credit and loans to improve their business.

India's micro and small industries, which employ 20 crore people and account for 30% of the nation's GDP, are the backbone of the nation.

Micro loans are playing a crucial role in driving rural development in India and empowering the rural economy.

According to a recommendation paper submitted by the India SME Forum to the RBI, the estimated $530 billion financing gap for MSMEs has been growing recently

Whether you're planning to buy a new home or need funds for other purposes, financing options like home equity loans and home loans can help you achieve your goals.

Buying a house is a significant decision that requires careful financial planning. With home loans for properties above ₹75 lakh surging in the past four years

The senior living market in India is predicted to increase significantly from its present $2–$3 billion size to about $12 billion by 2030, due to the ageing population of the nation. 

Are you looking for ways to save on property tax? Property tax is a mandatory charge collected by municipal authorities in India, used for maintaining local infrastructure and civic amenities.

Are you in the market for a new two-wheeler? If so, it's worth considering the timing of your purchase.

Building a custom motorcycle is a dream for many enthusiasts, but it often comes with financial challenges.

Did you know that India's MSME sector contributes nearly 30% to the national GDP and accounts for almost 45% of the country’s total exports?

The growth and success of Micro, Small, and Medium Enterprises (MSMEs) are vital for the Indian economy.

Navigating through the myriad loan options can be daunting for any business owner. 

Whether you're a small business owner or a budding entrepreneur, expanding your business requires capital. 

Section 24(b) of the Income Tax Act allows homeowners claim tax deductions for the interest paid towards their home loans. 

Are you aware your Home Loan could help you save up to ₹1.5 lakh on your annual taxes under Section 80C of the Income Tax Act? 

The Indian real estate sector is poised for transformative growth over the next decade, fuelled by demographic shifts, economic development, and changing consumer preferences. 

There are two types of Home Loan interest rates – fixed rate and floating rate home loans.

A sale deed is an important document that not only signifies the transfer of property ownership but also protects the rights of both the parties (buyer and seller) involved in the transaction.

Are you a property owner in Bangalore? If so, you might have come across terms like B Khata and A Khata during your real estate journey. 

Applying for a home loan requires careful planning, especially when it comes to managing your finances.

Are you planning to buy or sell a property? Or maybe you're applying for a loan against your property? In any of these scenarios, obtaining an Encumbrance Certificate (EC) is essential.

The real estate sector has always been a lucrative sector for investments. It offers the potential for long-term wealth creation and financial security. 

The process of securing a home loan can be complex and overwhelming, especially when it comes to understanding the various costs involved. 

In Indian banking, Recurring Deposits (RDs) have long been favoured as a secure and systematic savings option. 

Saving money is an essential aspect of financial planning, even though about 50% of Indians save just 0 to 20% of their income.

Planning for retirement is a crucial aspect of personal finance. It requires careful consideration and investment in the right financial instruments to build a secure retirement corpus. 

Saving money is essential for building wealth and achieving financial goals. One effective way to save is through a Recurring Deposit (RD) account. 

Life is full of surprises, and not all of them are pleasant. Emergencies can strike anytime, whether it's a sudden medical expense, a home repair, or even unemployment. 

Are you looking to grow your wealth steadily and consistently? Opening a Recurring Deposit (RD) account could help you accumulate wealth over time. 

Early withdrawal or pre-closure of RD may attract penalties. Additionally, you would lose out on interest earnings.

Are you looking for a safe and reliable way to grow your savings? Investing in Recurring Deposits (RDs) can be an excellent option. 

In today's world, women are taking charge of their finances, making smart investment decisions, and securing their future. 

Everyone dreams of achieving financial independence – the ability to live comfortably without constantly worrying about money. 

A slight economic change can affect the interest you earn on your recurring deposits. For example, when inflation rises, the value of your savings might decrease, impacting your overall returns. 

Whether you are a conservative investor looking for a safe savings option or someone wanting to build a corpus through regular contributions, Recurring Deposits (RDs) have long been a popular choice in India. 

Automating your savings is a smart way to ensure that you consistently build wealth. Investing in Recurring Deposits (RDs) is one way to save in a disciplined way. 

While Recurring Deposits might not be the most high-yielding investment vehicle, their role in non-traditional strategies lies in their stability, predictability, and ability to complement riskier investments.

Saving money is an essential practice to secure your financial future. While there are various investment options available, Recurring Deposits (RDs) are a popular choice, especially for individuals who prefer safe and low-risk options. 

When it comes to buying property in underdeveloped areas, there are specific considerations to keep in mind. There’s a lot of research and legalities involved if you’re planning to buy a property in areas that are not fully developed. 

Navigating the home loan process can be slightly overwhelming, especially if you're a first-time homebuyer. From filling out application forms to submitting documents and waiting for approval, there are several steps involved. 

Mr. Sharma is looking for a home loan of ₹50 lakhs for a tenure of 20 years. Bank A offers an interest rate of 8% with a processing fee of 1% and no prepayment charges. 

Are you dreaming of becoming a homeowner? Purchasing a property is a significant milestone, but it can be challenging to find the right one within your budget. 

Banks generally offer funds which is up to 80% of the total cost of the property.

In March 2024, a report released by credit bureau CRIF High Mark revealed that the share of women home loan borrowers stood at 33%. 

If you do a bit of research on loans, you will find two categories – secured and unsecured. 

Both Recurring Deposits (RDs) and Savings Accounts are a must-have fora better financial life. 

Systematically saving money is an essential part of financial planning. With Recurring Deposits you can start saving every month with any amount of your choice, usually starting at ₹100 and enjoy the benefits of compounding. 

Recurring Deposits (RDs) are popular savings instruments that allow you to save money over time via periodic (generally monthly) deposits/investments.

Investing is essential for anyone looking to secure their financial future. It provides opportunities for wealth building, inflation protection, and financial independence while promoting disciplined saving habits.

Did you know that taking a joint home loan with your spouse or a family member can offer significant tax benefits? In this article, we will explore the various tax benefits on joint home loans and how you can make the most of them. 

Planning to take a home loan? Before you apply, know your purpose first. In India, there are different types of home loans available with each offering financing for a particular purpose.

What if you had a second home located in your favourite place – a home that’s solely meant to spend quality time with your family? Yes, we’re talking about vacation home. 

Are you looking for a simple and convenient way to save money for your future goals? A recurring deposit (RD) can be an excellent option for individuals who want to regularly save a fixed amount each month. 

Recurring deposits (RDs) are popular savings option in India, offering a disciplined way to save money and earn interest over time.

In India’s financial landscape, Recurring Deposits (RDs) are considered as one of the most popular savings instruments. 

Are you looking to save money regularly and earn guaranteed returns? A Recurring Deposit (RD) can be an excellent investment option.

Recurring Deposits (RDs) are an excellent way to grow your savings steadily over time. They offer guaranteed returns and fixed interest, making them a popular choice for those looking to build their wealth with minimal risk.

Are you looking for a reliable and safe way to save money for your child's education? If so, recurring deposits (RDs) could be the perfect solution. 

Not having money management skills debt can be overwhelming, causing financial stress for many individuals. 

Disciplined saving helps in building a corpus slowly but consistently. One of the investment instruments that instills disciplined savings habit and lets your money grow over time is Recurring Deposits or RDs.

October 2024 was plagued by the equity market downturn. Nifty fell by more than 2000 points. Investors lost crores of rupees. 

Recurring Deposits (RDs) are great investment instruments. You invest a small amount of money every month via your linked Savings Account for a specific tenure an earn interest over it.

We all have financial goals that we want to achieve, whether it's buying a dream home, funding our child's education, or planning for retirement.

Saving up for financial goals like a vacation, buying a new gadget, or paying for a down payment on a car, needs sound financial planning. 

An emergency fund provides stability and peace of mind during unforeseen circumstances, such as job loss, medical emergencies, or unexpected expenses.

When it comes to managing your finances, finding ways to ease the processes can help solve a lot of issues. 

In India, seniors prefer investing in Fixed Deposits because - interest rates are higher than normal FD rates, FDs offer assured returns and there's an option to select the frequency of interest pay-outs (periodic interest payments).

Are you looking for a safe and disciplined way to grow your savings? A Recurring Deposit (RD) can be an excellent option.

Remember the piggy banks we had in our childhood? Every time we received a coin or a note from our parents.

Dreaming of financial stability and a strong credit profile? The key lies in smartly investing in investment instruments like Recurring Deposits. 

Having a financial goal is important more than ever. With India witnessing a huge surge of investors.

When buying or selling property, paperwork can be overwhelming. Understanding legal jargons is critical to avoid future complications. 

Navigating the complex world of home loans can be overwhelming without the right information. One important aspect is to understand the role of a home loan sanction letter.

Raj and Simran want to buy their dream home. They decide to apply for a joint Home Loan with equal ownership.

Buying a house is a dream for many, and a home loan can make this dream a reality. However, there are several common misconceptions and myths surrounding home loans that may discourage you from taking this step. 

Your home loan tenure directly impacts your home loan EMI. A longer tenure reduces the EMI burden. However, if you calculate with a Home Loan EMI Calculator, you would see that longer tenure significantly increases your interest payment. 

Are you wondering about the impact on your taxes after the government's recent change in the capital gains tax regime for real estate? 

If you're foraying into home ownership or real estate investment, you will come across two terms - freehold property and leasehold property. 

Government schemes like Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme (CLSS), has made affordable housing a reality. 

Investing your hard-earned money wisely is crucial to secure your financial future. When it comes to low-risk investments, Fixed Deposits (FDs) and real estate have always been popular choices. 

To ensure a stable retirement income, many retirees or seniors turn to Fixed Deposits. Fixed deposits provide a safe and reliable investment option for seniors, offering attractive interest rates and guaranteed returns.

High Net Worth Individuals (HNIs) have unique financial needs and seek optimal wealth management solutions.

As an investor, it's essential to have an investment instrument in your portfolio that helps in mitigating risks pertaining to market volatility. Fixed Deposits offer that and more. 

Whether it's buying a car or house, or going on a dream vacation, we'll have aspirations that we want to achieve. To make our aspirations a reality, we need to have our financial goals aligned.

A TDS of 10% is applicable on FD interest, provided the interest income exceeds ₹50,000 (₹1 lakh for senior citizens) in a financial year, as per budget 2025. This is applicable for FY 2025-26. For FY 2024-25, the TDS exemption threshold is ₹40,000 for regular citizens and ₹50,000 for senior citizens. This is applicable till March 2025. That said, you can still save on your tax outgo by implementing effective tax-saving strategies.

Transferring a Fixed Deposit (FD) from one bank to another can be a strategic financial move.

When it comes to investing in fixed deposits (FDs), choosing the right tenure is crucial.

As you approach retirement age, it's essential to consider ways to supplement your income and ensure a comfortable post-retirement life. One option that many people rely on is Fixed Deposits (FDs). 

In today's unpredictable economic climate, it's crucial to find safe and stable investment options. Many investors like you are seeking financial security and protection for their hard-earned money.

For a first-time home buyer, the process of property registration can seem daunting at first. However, with the right understanding and adequate preparation, you can ensure a smooth property registration experience.

Thinking of venturing into the world of commercial real estate? You're not alone. Many individuals dream of owning a commercial property as it offers lucrative opportunities for businesses and investments. 

Before you can apply for a home loan, it is crucial to ensure that the property you wish to purchase has a clear title. Property title disputes can create legal obstacles and financial risks

Investing in agricultural land is an attractive option for many individuals in India, offering the potential for high returns. 

Did you know that the RBI has kept repo rate unchanged at 6.5%, the ninth time in a row? A change in the repo rate may affect your interest rates if you have a home loan with a floating interest rate. 

We have different types of Home Loans designed to serve different purposes. 

Buying or selling a property involves exhaustive legal processes that must be carefully followed to ensure a smooth and legitimate transaction. 

Buying or selling a property can be a complex process, with many factors to consider. One essential element that both buyers and sellers need to understand is the concept of circle rates. 

Are you considering buying a property in India but confused about whether to opt for an under construction vs ready-to-move-in property loans? You're not alone. Many individuals face this dilemma when purchasing a home. 

Owning a home is a dream for many individuals, but it often requires financial assistance in the form of loans. 

Planning to renovate your house but short on cash? Instead of taking a high-interest personal loan that can put a strain on your finances, avail a Home Improvement Loan.

Getting a Home Loan is not just about meeting income and employment criteria; banks also consider your credit or CIBIL score to determine your creditworthiness. 

Let’s assume you’ve taken a home loan for a tenure of 20 years. You’re paying EMIs (Equated Monthly Instalments) against your home loan every month. 

In today's interconnected world, businesses often need to engage in international transactions. 

Effective financial management is key to running a successful business, and choosing the right current account is a crucial part of this process. 

Property ownership in India involves several legal processes and documentation, including acquiring a Mutation Certificate

In India, there are different types of Home Loans, like house purchase loan, home construction loan, plot loan (land purchase loan), home improvement loan, etc. Each of these loans serves a specific purpose.

If you're a first-time homebuyer and planning to apply for a home loan, you will come across a term LTV or Loan-to-Value ratio. First thing first - till date, no bank in India has offered 100% financing of the property value. 

The Government of India is on a mission to make housing affordable for all. To realise the initiative 'Housing for All', the Government launched subsidy schemes for home loans like Pradhan Mantri Awas Yojana (PMAY) in 2015 - an initiative that aims to make the concept of affordable housing a reality. 

Let's take inspiration from Neha, a first-time homebuyer who successfully secured her dream home with a Home Loan. 

The adventure motorcycle segment in India has been experiencing significant growth, with enthusiasts eager to explore off-road terrains and embark on long-distance journeys. 

When managing your finances, choosing the right banking options is crucial. Two common choices are Savings Accounts and certificates of deposits (CDs). But how do you decide which one is best for you?

In today's fast-paced world, both Savings Accounts and digital wallets offer convenient options for managing your finances. 

When managing your finances, choosing the right banking options is crucial. Two common choices are Savings Accounts and certificates of deposits (CDs). But how do you decide which one is best for you?

Starting and running a business can be both exciting and challenging. One of the key aspects of ensuring its success is building a strong financial safety net.

Buying a property is an essential milestone in our lives, but it comes with its fair share of financial obligations. Apart from the EMI (Equated Monthly Instalment), additional charges like stamp duty, registration fees, legal fees, and home loan charges must be considered.

When it comes to buying or selling a property, one of the most crucial aspects is understanding the role of a title deed. A title deed is a legal document that establishes proof of ownership for a property. 

Are you planning to buy a house or a plot? Or are you planning to renovate your existing house? because there are different types of Home Loans designed to serve different purposes. 

After COVID, there has been a noticeable increase in the desire of NRIs to invest in real estate in India, not simply because of emotional -

As you begin your journey into the world of real estate, it's crucial to understand the role of power of attorney in property transactions.

When you buy a property, it is not only the purchase price that you should look at. Beyond the purchase price, there are additional charges to consider such as transfer charges, property taxes, and legal fees. 

Are you also dreaming of owning a home? Thanks to affordable home loans and PMAY (Pradhan Mantri Awas Yojana – a scheme that offers interest subsidy to low- and mid-income earners)

Imagine Mr. X, a young professional with a stable job, applying for his first home loan but is surprised when his application is denied. 

Facing rejection can be disheartening, especially when it comes to your dream of owning a home.

When applying for a Home Loan, you have the option to choose between fixed and floating interest rate. Choosing any of the two can have a significant impact on your EMI (Equated Monthly Instalments).

The road to securing an MSME (Micro, Small, and Medium Enterprises) loan can often feel like an uphill task. However, with proper strategy and preparedness this seemingly daunting journey could be quite straightforward. 

Starting or expanding a small business can be exciting, but securing the right funding is often the first major hurdle.

Opening your first bank account is a major step in your financial journey. It's not just about storing your money, but also about managing your finances effectively. 

Whether you’ve been scrolling through real estate listings, imagining your perfect home, or you’re just starting to think seriously about buying property, one thing is clear: buying a house is one of the most significant financial decisions you’ll make. But with the right savings strategy in place, it doesn’t have to be overwhelming. Saving for a house might seem like an uphill climb, but with some practical steps and financial discipline, you’ll be well on your way to owning the home of your dreams.

Whether you're a fresh graduate starting a new job or someone looking to reorganise their savings and investments, understanding the basics of beginner financial planning is crucial.

The primary benefit of Fixed Deposits is that the returns are calculated on the basis of compound interest method. 

When it comes to saving and investing, making the right choices can help you achieve your financial goals without hassles.

When you invest in Fixed Deposits (FDs), rest assured you will earn guaranteed returns. FD interest rates are higher than that of Savings Accounts, which helps you maximise your savings potential.

As parents, we all want to provide the best possible education for our children. However, financing their dreams can be a significant challenge with the rising costs of professional and international courses. 

If you’re planning to invest in Fixed Deposits (FDs), here’s a word of advice – calculate your FD maturity amount beforehand. This would help you making an informed decision like selecting the right tenure and deposit amount. 

When it comes to investing, safety is a top priority for many. According to the RBI, India has over 24.23 million fixed deposits, totaling over ₹103 trillion.

The Indian banking sector has witnessed a significant shift towards digitalisation in recent years. In India, Digital Savings Account have emerged as a cornerstone of this transformation, offering convenience,

Investing is an essential part of growing your wealth and achieving financial goals. 

Both Fixed Deposits (FDs) and Mutual Funds are popular investment instruments in India. 

Fixed Deposits (FDs) have long been a popular investment choice for Indian investors. They offer guaranteed returns and are considered relatively safe.

Freelancers, commission-based workers, or those with seasonal jobs – all of them have one thing in common. They don’t have a stable income or their income fluctuates based on the flow of work. 

The world of finance is rapidly evolving, and advancements in banking technology are reshaping the way we manage our savings. 

Saving money or investing it—this is a common question among individuals who are looking to secure their financial future. 

In US, money market accounts are popular. In India, we don’t have such accounts yet. Instead, we have different types of Savings Accounts to park your money and earn interest on it.

When it comes to saving, most people turn to traditional or regular savings accounts offered by banks. However, there is another option that could potentially help you grow your savings at a faster rate – high-interest Savings Accounts.

Did you know that more than 77% of Indians don't have a savings account? Yet, a Savings Account is one of the most effective tools for financial planning.

A healthy financial life is built on the foundation of smart savings. For many, opening a Savings Account is the first step towards a healthy financial life. 

While opening our first bank account or Savings Account, most of our parents would say, “Open a high-interest Savings Account. 

Buying a home is a significant milestone. However, navigating the home loan application process can be complex and overwhelming, if you're not well-informed. This may lead to common mistakes that could hinder your loan approval. 

Dreaming of owning a home is something we all dream of, but if your CIBIL or credit score is less than average, that dream might feel a bit out of reach. 

If you've taken out a Home Loan, it's important to understand the consequences of defaulting on your payments. A home loan default occurs when you fail to make your scheduled monthly payments for an extended period of time. This can happen due to various reasons such as financial difficulties, job loss, or unexpected expenses.

The process of financing a home can be complex and overwhelming, especially when it comes to understanding the role of stamp duty and registration fees. In this article, we will demystify these charges and provide you with a comprehensive guide to help you navigate through the property purchase costs and the charges involved.

Owning a home is a dream shared by many, but managing the financial aspects of it can be overwhelming. 

The Impact of Interest Rate Changes on Your Home Loan Home loan borrowers have been severely impacted by the increase in interest rates and consequently higher EMIs compared to just 28 months ago. 

Buying a home is a dream that many of us share. However, understanding the different aspects of a Home Loan can be confusing, especially when it comes to repayment options. Two common terms you'll encounter are Pre-EMI and Full EMI. 

For many low-income earners, owning a two-wheeler can significantly improve their quality of life and employment opportunities. 

The two-wheeler market in India has witnessed a phenomenal surge in recent years. 

In India, two-wheelers are not just a mode of transportation—they're a lifeline for millions, especially young professionals and those living in tier 2 and 3 cities. In fact, according to the Society of Indian Automobile Manufacturers (SIAM), India recorded over 15 million two-wheeler sales in 2022 alone, with a majority of buyers financing their purchases through loans. With such a high reliance on two-wheeler loans, it's crucial to secure the best deal.

Safeguard your child's future with Fixed Deposits (FDs). 

Life is unpredictable, and preparing for the unexpected is essential. 

In today's uncertain financial landscape, safeguarding our hard-earned money is a top priority.

Are you a beginner investor looking for a safe, reliable place to park your hard-earned money? Look no further than Fixed Deposits (FDs)! They are probably the perfect introductory investment vehicle for those who want to dip their toes into the world of investing without taking on too much risk. 

The surge of digital banking has revolutionised how we manage our finances, with convenient access to a wide range of financial products and services. 

As interest rates fluctuate, it becomes crucial to have a strategy in place to ensure your Fixed Deposits (FDs) continue to provide the desired returns.

Fixed Deposits have always been a popular investment option in India. They offer a safe and secure way to grow your savings while earning a fixed interest rate.

Finding reliable investment options can be challenging during economic uncertainty. 

In the Indian investment landscape, two of the most popular options for conservative investors seeking stable returns are Fixed Deposits (FDs) and Bonds.

Post COVID-19 pandemic, businesses have moved to digital adoption across various sectors, and the banking industry is no exception. 

Fixed deposits have always been a reliable investment option, offering stability and assured returns.

One of the advantages of taking a home loan is the various tax benefits it offers. You can claim tax deductions on both the principal and interest paid towards your home loan in a financial year. 

The road to homeownership is a fascinating journey. Lots of planning, plenty of brainstorming, mulling over decisions, etc., the entire process may seem like a rollercoaster ride, especially when it comes to choosing the right financier. 

When purchasing a home, there are numerous documents and certifications to consider. Among these, the Certificate of Occupancy (CO) stands out as an important piece of property certification. 

When it comes to banking, two popular choices are Savings Accounts and Checking Accounts. Savings Accounts are bank accounts that allow you to park your money in a safe and secure way. 

Owning a home is a dream for many, and home loans have made this dream more achievable. Leaving aside the home buying aspect, home loans come with additional benefits like tax savings. 

Home loan insurance and term insurance policy both offer protection against life's uncertainties. However, the end-usage and the intent of these two products are largely different. 

Buying a home is a significant milestone, especially in your 40s when you have more financial stability and clarity about your long-term goals.

Owning a two-wheeler in India has become more accessible thanks to various government loan schemes and subsidies.

Navigating the journey of home loan - from approval to disbursement - can be thrilling yet daunting. 

If you have been on social media platforms, you may have come across posts of customers generally cribbing about their two-wheeler loan. 

In investing, bear markets are an inevitable part of the journey. These periods of economic downturn can be challenging for investors, causing panic and uncertainty

When it comes to financing a new bike purchase, many find themselves torn between Two-Wheeler Loan and personal loan. 

When it comes to saving your money, fixed deposits (FDs) are often considered a safe option. However, like any financial product, FDs have both risks and rewards.

Are you looking for a reliable investment strategy that offers steady returns? Fixed Deposits (FDs) can be an excellent choice. 

In India, the vast rural landscape holds immense potential for economic growth, but it faces unique challenges—especially when it comes to transportation. 

In India, banks generally offer two types of Two-Wheeler Loans – loans for used bikes and loans for new bikes. 

When it comes to growing money with minimal risks, most investors turn to Fixed Deposits (FDs). With FDs, you can invest your funds in a controlled manner, knowing exactly what to expect from your investment.

When it comes to saving and investing money, Fixed Deposits (FDs) are a popular choice among Indian households. 

Managing your finances effectively is crucial to achieve your long-term financial goals.

Did you know that, on average, Indians save approximately ₹425,725.54 in fixed deposits (FDs)? 

When it comes to planning for the future, estate planning is just as important as establishing trust. 

Bring your idle funds sitting in your Savings Account back to life with Auto-Sweep facility.

In today's digital age, online banking has revolutionised how we manage our money. With just a few taps on our smartphones, we can check balances, transfer funds, and pay bills. 

In today's competitive banking landscape, finding the best Savings Account rates can significantly impact your financial growth.

Investing in recurring investments through your Savings Account is a smart way to grow your wealth over time. By automating your investments, you can ensure consistent savings and shield yourself from emotional decisions during market fluctuations. 

In a nation where family values and bonds are deeply cherished, joint families remain a cornerstone of Indian society.

Financial stress can have a significant impact on our overall well-being. It can lead to anxiety, affect our relationships, and even cause physical symptoms.

In an increasingly digitised world, it is crucial to prioritise the security and accessibility of our financial transactions. 

Unified Payments Interface (UPI) has revolutionised the Indian financial landscape since its inception in 2016. 

When you hear the term retirement planning, your mind probably jumps to investments like mutual funds, PPF, NPS, or maybe even gold. 

As a Non-Resident Indian (NRI), managing your financial commitments in India can be challenging. 

Traffic, traffic, and more traffic! All young professionals living and working in cities share a common source of disappointment

In the world of two-wheeler financing, opting for a short-term loans can be a wise strategy to save on interest payments. 

In India, banks generally offer two types of Two-Wheeler Loans – loans for used bikes and loans for new bikes. 

According to a survey report by TechSci Research, India's Two-Wheeler Loan market is likely to be USD 12.3 billion industry by 2025, suggesting an annual compounded growth of approximately 11%. 

When it comes to saving money, one of the primary concerns is ensuring both risk management and financial security. 

In India, many couples or parents have a joint Savings Account. Many of them say that having a joint account help them manage money in a better way. 

Women are breaking barriers and achieving success in every field. With this rise in financial independence, suitable infrastructure is important to support women's growth.

For high-income earners, managing wealth effectively requires a strategic approach that goes beyond traditional savings methods. 

When it comes to investing, Fixed Deposits (FDs) have long been considered a go-to option for many Indians.

India is witnessing a surge in demand for sustainable transportation options, with electric two wheelers leading the charge. 

Are you looking for a quick and hassle-free way to access funds? A loan against fixed deposit could be the perfect solution. 

Retirement planning is an essential aspect of financial management that requires careful consideration and strategic investment choices. 

The interest earned on Fixed Deposit is taxable as per the Income Tax Act, 1961. However, there's a gap when it comes to understanding how FD interest is taxed in India and how investors can save on their FD tax outgo.

Digital Fixed Deposits are fast becoming a cornerstone of savvy financial planning. They offer maximum convenience allowing investors grow their savings in a secure way from the comfort of their home. 

Both PPF (Public Provident Fund) and Fixed Deposits (FDs) are excellent long-term investment options.

Fixed Deposits (FDs) are the most popular investment instrument in India due to their stable and guaranteed returns.

In Indian households, when it comes to investments, Fixed Deposits have always been a popular choice. In fact, as per SEBI data, about 95% of Indian households have parked their savings in FDs.

Have you ever considered tapping into your Fixed Deposit when faced with financial needs? We are not talking about liquidating your FD, but using your FD as collateral to take loan or overdraft facility. 

When it comes to saving money, choosing the right type of Fixed Deposit (FD) can make a significant difference in your financial journey. Whether it's a Digital FD or a traditional FD, each comes with its unique set of features and benefits tailored to different saving needs and preferences.

Have you ever wished your savings could grow on their own while you focus on daily life? Auto Fixed Deposits might just be the solution you are looking for.

In Indian households, Fixed Deposits (FDs) are considered the most preferred investment choice. FDs. 

When it comes to growing your savings, term deposits are a popular option that offers stability and capital preservation.

In today's complex financial landscape, having multiple Savings Accounts has become an increasingly popular strategy for effective money management.

Daily expenses are on the rise. If you're not saving money today, you may find it difficult to manage your financial life in the future. It becomes far more challenging for low-income earners to find ways to save.

As retirement approaches, it is important to have a well-rounded financial plan that considers various investment options. 

NRO (Non-Resident Ordinary) Accounts allow NRIs (Non-resident Indians) to manage their income or deposits generated in India. 

Life is full of unexpected surprises, and sometimes those surprises come with a hefty price tag. Whether it's an unforeseen medical expense.

When it comes to our health, we all want the best care possible. However, rising healthcare costs, have impacted millions of families in India. In fact, the country experienced a medical inflation rate of 14% in 2021, 

Starting a business can be an exhilarating endeavor, but it requires financial investment. While many entrepreneurs seek external funding sources, such as loans or investors, another viable option is to fund your business using your own savings

As you approach retirement, it's crucial to have a financial plan in place to ensure a secure future. Having a dedicated Savings Account for Senior Citizens can help you build a retirement corpus with ease.

In a world marked by uncertainties and constant challenges, the significance of nurturing a healthy savings habit cannot be emphasised enough.

Managing finances as a couple is an essential part of building a life together. From making decisions about vacations and long-term goals to handling day-to-day expenses, 

Two-Wheeler Loans offer a convenient way to finance your dream bike, but hidden charges can significantly increase the overall cost. Understanding and avoiding these extra costs is crucial for making an informed borrowing decision.

For millions of Indians, owning a two-wheeler is not just about convenience - it's a symbol of freedom and self-reliance. 

Applying for a two-wheeler requires careful consideration. You need to take certain factors like your repayment capacity, loan amount, interest rate.

If you're planning to buy a two-wheeler and need a loan, understanding the role of your CIBIL or credit score is important. 

Generally, banks offer customers two types of Two-Wheeler Loans - floating interest rate loans and fixed interest rate loans. 

Mr. X has an ongoing Two-Wheeler Loan. Every month he spends around ₹70,000 on loan EMI. According to Mr. X, the EMI obligations are causing financial stress. 

Are you stuck with a high-interest Two-Wheeler Loan? In such situations, you can opt for Two-Wheeler Loan Balance Transfer.

Are you considering buying a two-wheeler? While it's exciting to own a bike, it's crucial to protect yourself from potential risks on the road. 

Abhishek has an ongoing two-wheeler loan. He has used the amount to purchase a two-wheeler of his choice.

Arun has a two-wheeler loan going on against his bike. However, he's not happy with the interest rates and other terms of conditions of his current loan account. 

Are you planning to buy a two wheeler and need financial assistance? You can consider taking a two-wheeler loan. Such loans offer lower interest rates and require minimal documents compared to personal loans. 

Planning to paying off your two-wheeler loan early? We have compiled a list of best two-wheeler loan repayment strategies that can help you clear your loan faster.

Two-wheeler Loans are available for both salaried and self-employed individuals. For the salaried, two-wheeler loan application process is fairly straightforward.

Are you considering purchasing a new motorcycle? With motorcycles being the most preferred mode of commute in India, it's no surprise that many people turn to two-wheeler loans to fulfil their dreams of owning a bike. 

When it comes to managing our wealth, we often focus on wealth creation but tend to overlook the crucial step of wealth preservation.

As an NRI, you may be looking for secure and lucrative investment options to grow your savings. 

Planning to purchase your favourite bike but short on cash? Availing a two-wheeler loan may help solve the problem. 

Savings Accounts offer a safe gateway to park and grow your money. But, if you want to maximise your savings, 

In the last few years, there has been a spike in the number of investors investing in Fixed Deposits (FDs). 

Starting and expanding a small business requires financial support. As an entrepreneur, you may be wondering about the best financing options available to you.

Have you ever considered who will manage your Fixed Deposit investments if something unexpected happens to you? At the time of FD account opening, 

Over the past couple of years, Fixed Deposits (FDs) have regained their stronghold as the number one investment instrument - thanks to the rising interest rates and the security they provide. 

Fixed Deposits have long been a popular choice for investors looking for stable returns with minimal risk. 

When it comes to investing your money, Fixed Deposits (FDs) are a popular choice among Indians. 

The Power of Compounding – a phrase commonly used when talking about Fixed Deposits (FDs). 

Are you looking for a secure way to invest your hard-earned money with stable returns? If so, you’re not alone. 

Fixed Deposit Receipts—ever wondered what they are all about? Commonly known as FDRs, these documents act as a legal proof of your Fixed Deposit investment with the bank.

Check your Fixed Deposit (FD) returns quickly and plan your investments in a better way with the help of online Fixed Deposit Calculators. 

When it comes to investing, individuals often seek safe and predictable options to grow their savings.

When it comes to investing your hard-earned money, Fixed Deposits (FDs) are a popular choice for many. They offer a safe and reliable way to earn steady returns with minimal risk.

Everyone wants to grow their savings, right? One reliable method is through Fixed Deposits (FDs). With FDs, you can enjoy fixed returns elevated by the power of compounding (earning interest on interest). 

Premature withdrawal of Fixed Deposit (FD) means you partially or completely withdraw your deposit amount before the maturity period. Banks offer such facilities for callable FDs, where you can withdraw funds before the deposit tenure. 

Are you dreaming of owning your own two-wheeler but low or poor credit score holding you back? While having a satisfactory credit score is important for securing better deals on bike loans, you can still get a loan even if your credit is not in the best shape. 

A two-wheeler offers flexibility and convenience, perfect for urban and semi-urban India. Whether for daily commutes or weekend adventures, owning one can truly enrich your lifestyle

Dreaming of owning a two-wheeler? Whether it's a bike or a motorcycle, turning that dream into reality requires careful financial planning

Are you planning to own a bike but short on funds? With a two-wheeler loan, you can make that dream a reality. But if you're unsure about the loan application process, don't worry. 

If you are a Non-Residential Indian having an income stream in India and want a hassle-free way to manage your earnings, opening an NRO Savings Account is may help.

Dreaming of owning a two-wheeler that can add convenience and speed to your daily commute

When purchasing a two-wheeler, many people find themselves debating whether to opt for a Two-Wheeler Loan

Owning a two-wheeler is a dream for many people in India.

Whether it's for commuting to work, exploring the city, or simply enjoying the freedom of the open road

Do you have a two-wheeler loan? Are you considering closing it early?

If you're looking for a safe and secure way to save on taxes while growing your wealth,

As far as old tax regime is concerned, no changes was announced in the Union Budget 2024.

The earlier you introduce your children to the importance of financial management, the better it is for their future.

Your credit score determines your creditworthiness.

In India, it's safe to say two-wheelers have secured their place as a favourite vehicle of choice when it comes to every day commute.

Student life is often bittersweet. It’s replete with endless intellectual explorations, late-night study sessions, and that undeniable dream to make it big.

Are you looking for a way to grow your savings faster?

Most of us invest in fixed income instruments like Fixed Deposits, but very few invest ‘smartly’.

In an online forum, a person, who claimed to be an NRI asked, why invest in an NRO Account when you already have an NRE Accounts

Many NRIs have more than just a single income stream, some of which may extend beyond borders.

NRI Accounts offer a seamless platform for NRIs to manage their money in India.

If you are a non-resident Indian (NRI) looking for a convenient way to manage your foreign earnings in India, an NRE (Non-Resident External) Savings Account is worth considering.

There's a saying that the art is not in making money, but keeping it.

Saving money is essential for establishing financial stability and building a secure future.

In India, the two most common savings instruments are Savings Accounts and Fixed Deposits (FDs).

Let's assume Mr. X has a well-paying job. He is the sole breadwinner for his family of 6, which includes

In today's fast-paced world, where technology has transformed various aspects of our lives

Your Savings Account is not just a cash repository. It carries

Whether you're just starting your financial journey or looking to refine your investment strategy,

The seniors are the pillars of our society. Their contribution towards shaping the future of the nation is unmatched. Recognising this, most financial institutions offer additional interest rates for Senior Citizen Fixed Deposit (FD).

When it comes to investments, fixed deposits (FDs) are a popular choice among risk-averse investors.

Looking for a quick and reliable way to earn higher returns on your savings? You can consider investing in short-term Fixed Deposits (FDs). With attractive interest rates and flexible tenure options ranging from 7 months to 1 year, such FDs could help you grow your wealth without parking your funds for too long.

In this blog, we have dissected the concept of short-term FDs and the steps you should take to find the best short-term FD rates to maximise your returns. Let's dive in!

When it comes to managing money in India from abroad, Non-Residential External (NRE) and Non-Resident Ordinary (NRO) Savings Accounts are two popular options. But which one to choose? Understanding the difference between the two can help you make the right choice.

In this article, we have compared NRE Vs NRO Savings Accounts, covering various aspects such as tax implications, repatriation, features, and more. Let's dive in!

Managing income earned in India from overseas isn't that complex anymore for NRIs, thanks to NRO Accounts. However, for a smooth transfer of funds from your Indian bank account to your overseas bank account, it's necessary to understand the repatriation rules. To begin with, funds in an NRO Account are not fully repatriable.

But what does this mean and how does it affect investors? In this comprehensive repatriation guide, we will walk you through the repatriation process, covering the Foreign Exchange Management Act (FEMA) guidelines and RBI regulations.

For NRIs (Non-resident Indians), NRE bank accounts are the perfect solution for managing their foreign income in India. While NRE Fixed Deposits are a go-to option for many NRIs to park their overseas earnings in India and earn tax-free interest, NRE Savings Account allows investors to build corpus while enjoying benefits like fully repatriable funds, competitive rates, easy transfer of funds and more.

Ask anyone about travel planning and they would tell you the importance of taking your finances into account. How daunting it may sound, with a little financial discipline and the right strategies, you can save up for your dream vacation sooner than you think. But how to start saving? Well, consider opening a Savings Account as a stepping stone.

Managing foreign income in India while residing overseas would have been a daunting task if not for NRE Fixed Deposits. With NRE FD account, you can deposit your foreign income in India and earn interest on it.

However, to maximise your earnings, follow the smart strategies as outlined in this blog. We have provided a few pro tips on how to find best NRE FD rates so you can make an informed decision.

Beat the queue and open an FD online in few easy steps. Thanks to digital banking, you can now open a fixed deposit account from anywhere. The entire process is extremely simple, straight-forward, 100% online and safe; all you need is a proper Internet connection.

In this guide, we will walk you through the step-by-step process of opening an FD online. 

If you have a short-term financial goal to meet, investing in short-term fixed deposits could help. For instance, if you think you need funds after a year to meet a specific goal, you can book an FD from 7 days to 12 months, earn interest and withdraw cash upon maturity.

In this article, we have highlighted the key features and benefits of short-term deposits.

Investing in fixed deposits (FDs) is a popular choice for investors seeking assured returns. However, with so many FD products available, it may seem a bit daunting to select the best FD plan that's aligned to your investment goals. In this comprehensive guide, we will walk you through the factors to consider, provide real-life examples, and offer sample calculations to help you make an informed decision while choosing a fixed deposit product.

When it comes to investing your hard-earned money for better returns, fixed deposits (FDs) are often considered one of the best investment options in India. So, if you're starting your FD investment journey, this blog may pique your interest.

In this article, we have provided all the features of the best fixed deposit schemes in India so you can make an informed decision.

When it comes to investments, fixed deposits (FDs) are a popular choice among risk-averse investors. FDs offer guaranteed interest rates, making them a secure investment option.

However, to truly maximise your FD returns, it's necessary to understand the various factors that can influence your earnings. In this blog post, we have explored some smart tips and strategies that can help you get best FD returns. Let's dive in!

It's safe to say, for decades, Fixed Deposits (FDs) have been a trusted choice for risk-averse investors including senior citizens as a secure avenue to park and grow their savings. That being said, whenever new FD rates are announced, investors rarely take advantage of the situation to maximise their savings. Read this blog to understand how to take advantage of new FD rates.

Term deposits are fixed-period investment instruments, meaning you deposit a fix sum of money monthly or in lump sum for a fixed tenure and earn interest on it. For example, Fixed Deposits (FDs) and Recurring Deposits (RDs) are just different types of term deposits. In this article, we have debunked the factors influencing term deposit interest rates so you are well-informed when booking an FD.

The contents herein are only for information purpose and does not amount to an offer, invitation or solicitation to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment without notice and is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or would subject Ujjivan Small Finance Bank Limited or its affiliates to any licensing or registration requirements.