Saving Money
How Recurring Deposits Work
How a recurring deposit works in India, how interest is applied, how RDs differ from FDs and SIPs, and what to check on tenure, TDS and premature closure.
· 6 min read
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28 results for “deposits”
Banking
How Bank Account Nomination Works in India
How nomination on Indian bank accounts works, what a nominee can do, how it differs from a will, and how to add or change a nominee.
· 5 min read
Saving Money
How a Sweep-In Facility Works in India
Understand sweep-in (auto-sweep) facilities in India: how excess savings can move into deposits, liquidity, interest and questions to ask your bank.
· 3 min read
How to Read an RBI Monetary Policy Statement
How to read an RBI monetary policy statement: repo rate, stance, CPI target, what changes in EMIs and deposits, and how to ignore noise around the announcement.
· 6 min read
Savings Account vs Fixed Deposit: Which Should You Use, and When?
How savings accounts and fixed deposits differ on interest, liquidity, premature withdrawal, tax and DICGC deposit insurance, with a worked example and when to use each.
· 7 min read
How to Choose a Mutual Fund in India: 7 Checks Every Beginner Should Make
Learn how to choose a mutual fund in India by comparing goals, risk, costs, benchmarks, portfolio overlap and exit loads before investing.
· 7 min read
What Is an SWP in Mutual Funds? How a Systematic Withdrawal Plan Works in India
Learn how a Systematic Withdrawal Plan (SWP) works in India, how mutual fund units are redeemed, its benefits, risks, taxation and how to start one.
· 11 min read
Sinking Funds in India: How to Save for Annual Expenses Without Taking a Loan
Learn what sinking funds are and how to save for school fees, insurance, festivals and annual expenses in India with a simple monthly plan
· 9 min read
Bank Account Lien vs Freeze vs Debit Freeze in India: Meaning, Reasons and How to Remove Restrictions
Understand the difference between a bank account lien, freeze and debit freeze in India. Learn why banks restrict accounts, how to check the reason.
· 10 min read
How to Save Money on Everyday Expenses in India: 15 Practical Ways That Actually Work
Learn 15 practical ways to save money on everyday expenses in India. Reduce grocery, electricity, shopping and transportation costs with simple daily habits.
· 12 min read
Inoperative Bank Account in India: Rules & Reactivation Guide
Learn why bank accounts become inoperative in India, RBI rules, how to reactivate a dormant account, KYC requirements and what happens to your money.
· 7 min read
How to Build an Emergency Fund in India (2026 Guide)
Learn how to build an emergency fund in India, calculate your savings target, choose where to keep it and protect yourself from unexpected expenses.
· 8 min read
How to Evaluate an Investment Before You Invest: 7 Essential Checks for Beginners in India
Learn how to evaluate an investment in India with 7 essential checks covering risk, returns, fees, liquidity, diversification and fraud prevention
· 8 min read
How to Save Money on an Irregular Income in India: A Practical Step-by-Step Plan
Learn how to save money on an irregular income in India with a flexible budget, priority-based spending, emergency savings and a simple monthly plan.
· 9 min read
How to Choose the Right Savings Account in India: Fees, Minimum Balance and Hidden Charges
Learn how to choose the right savings account in India by comparing minimum balance rules, banking fees, ATM charges, digital services and deposit safety.
· 7 min read
How to Read Small Savings Interest Rate Revisions in India
How to read India’s quarterly small savings interest rate revisions for PPF, NSC and related schemes—official sources, what changes, and what does not.
· 5 min read
How to Track Your Net Worth in India: A Simple Beginner Guide
Learn how to calculate and track net worth in India: assets, liabilities, a simple worksheet method, and common mistakes beginners make.
· 3 min read
What Is TDS in India? How Tax Deducted at Source Works
TDS explained for individuals in India: how tax deducted at source works, where to verify it, and how credit generally appears when filing returns.
· 2 min read
How the Public Provident Fund Works in India
How the Public Provident Fund works in India: tenure, yearly limit, interest, withdrawals, tax treatment and who it suits.
· 5 min read
How to Read India’s CPI Inflation Release
How to read India's CPI inflation release from MoSPI, what headline inflation means for your budget, and what the numbers do not decide.
· 5 min read
How to Set Financial Goals in India
Turn vague money wishes into dated rupee amounts, with Indian examples for EMIs, school fees, festivals, emergency savings and retirement.
· 6 min read
What Asset Allocation Means for Beginner Investors
What asset allocation means for beginners in India, how it differs from diversification, and how time horizon shapes the mix.
· 5 min read
What Deposit Insurance Covers in India
How DICGC deposit insurance works in India: the ₹5 lakh limit, what is covered, what is not, and how accounts are counted across branches.
· 5 min read
What Diversification Means for Beginner Investors
What diversification means for beginners: spreading risk across assets, issuers and time, why similar funds do not diversify, and what diversification cannot do.
· 5 min read
Basics of Income Tax in India
A beginner's guide to income tax in India: heads of income, old vs new regime, slab calculation with examples, TDS, AIS, advance tax, ITR filing and GST basics.
· 8 min read
Common Personal Finance Mistakes and How to Avoid Them
Twelve common money mistakes in India, from skipping an emergency fund to paying only the credit card minimum, and practical ways to avoid each one.
· 6 min read
Emergency Funds: How Much Should You Save?
How to size an emergency fund for your household in India, why three to six months is only a starting point, and where to keep the money safely.
· 6 min read
How Inflation Affects Your Savings
How inflation is measured in India, the difference between nominal and real returns, the effect of tax, and how time horizon shapes your savings.
· 5 min read