Having a clear answer to “What are emergency funds?” is essential for anyone who wants to plan finances responsibly. An emergency fund is a reserve of money set aside to cover unexpected events and urgent needs. No matter how disciplined your budget or savings plan may be, sudden situations—like job loss, medical emergencies, or major … Read more

Are you wondering whether using Buy Now Pay Later (BNPL) affects your credit score? With point-of-sale instalment options gaining popularity in India, it’s important to understand how BNPL fits into your overall credit picture. BNPL lets you buy now and pay later in installments—often with little or no interest—which effectively makes it a short-term loan … Read more

Christmas 2025 is approaching, bringing the sparkle of lights, familiar carols and warm gatherings. Whether you plan a quiet family dinner, a festive party with friends, or a holiday getaway, the season is about togetherness, joy and making lasting memories. Observed on 25 December, Christmas commemorates the birth of Jesus Christ and is celebrated in … Read more

Kotak Mahindra Bank, one of India’s fastest-growing private banks, offers fixed deposits (FDs) starting from just ₹5,000. Interest rates on these FDs vary based on a few factors, including: Investment period Deposit type (regular or special schemes) Investor’s age (senior citizen benefits) Below are the latest applicable rates and important details to help you decide. … Read more

A financial wellness program is designed to educate employees with the goal of improving their overall financial well‑being. These programs supplement traditional employee benefits by going beyond basic retirement planning and investment advice. They give employees a clearer sense of financial security through tailored plans that guide how and when to manage money for both … Read more

Many investors compare mutual funds vs ETFs to decide which option best suits their financial goals. Both let you invest in diversified assets such as stocks and bonds, but they operate differently. Mutual funds are typically managed by professional fund managers, while ETFs (Exchange-Traded Funds) most often track a market index. Knowing the mutual fund … Read more

Are you looking for a fast, convenient way to obtain an instant loan? Traditional banks are no longer the only option. Whether you need money for month-end expenses, a short vacation, or a home improvement, online loans are often far easier and quicker to secure than conventional bank financing. Below we explore the advantages and … Read more

The RTGS full form in banking is Real-Time Gross Settlement. RTGS is a system for transferring funds from one bank account to another immediately, without delay. If you need to move money quickly—say for a property payment or an urgent business transaction—RTGS is designed for high-value, time-sensitive transfers. Read on to understand the RTGS full … Read more

By: S.K. Dutt, Group CHRO – Ampersand GroupSenior HR professional & Post Graduate Alumnus of University of Oxford – Saïd Business School Both finance and HR professionals share a common objective: improving organizational performance and profitability. While CFOs allocate the financial resources needed to execute strategy, CHROs ensure the right people are hired at the … Read more

This guide compares the leading personal loan apps and bank loan options in India for international travel, focused on loans between ₹2 lakh and ₹10 lakh. It provides lender-by-lender comparisons of interest rates, tenures and maximum amounts, a real borrower example with EMI numbers, summarized user feedback from app stores, and a practical decision framework … Read more