Loading search…
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 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
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
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 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
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
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
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
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
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
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
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 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
Learn how to calculate and track net worth in India: assets, liabilities, a simple worksheet method, and common mistakes beginners make.
· 3 min read
Compare NEFT, RTGS, IMPS and UPI in India: when each is used, how they differ on speed and purpose, and practical tips for safer transfers.
· 3 min read
What loan prepayment and foreclosure mean in India, how extra payments change interest, typical charges, and what to check in your sanction letter.
· 6 min read
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
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
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
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 credit scores work in India: the four credit bureaus, what affects your score, free annual reports, common myths and how to dispute errors.
· 7 min read
A practical, step-by-step guide to building a monthly budget in India, with a worked example, sinking funds for annual expenses and the limits of popular budgeting rules.
· 7 min read
How to read an Indian bank statement: value date vs transaction date, codes like NEFT, IMPS, NACH and POS, and what to do about unknown debits.
· 7 min read
