Compiled By: Sandeep RaghunathAbout Sandeep: He is the Head of Human Resources at EarlySalary, with more than 10 years of international HR experience across industries. It is common for colleagues who spend a lot of time together to develop a personal relationship. Frequent interaction, shared projects and open, vulnerable conversations increase the likelihood of mutual … Read more

Compensation is the essential link between employees and organizations, crucial for attracting and retaining top talent. While it generally refers to the financial return an employee receives for their work, keeping people engaged often requires more than base salary alone. Compensation management is multifaceted: it must reflect an employee’s skills, role, and performance while incorporating … Read more

Given the jargon, investing in mutual funds can feel intimidating. For beginners, grasping mutual funds basics and the key terms is essential to make informed choices. This article explains common mutual fund terms and concepts in clear, accessible language to help you understand how different schemes work and what to look for when investing. Glossary … Read more

Running a business requires a steady flow of funds, and managing short-term working capital can be challenging. When you need quick financing to smooth cash flow, two common options are cash credit and overdraft. Both provide temporary funds, but they operate differently and suit different needs. What is Cash Credit? Cash credit is a revolving, … Read more

Green financing funds projects that benefit the environment. It supports initiatives such as renewable energy, sustainable agriculture, and energy-efficient buildings. As concerns about climate change grow, green finance becomes increasingly important for accelerating the transition to a cleaner, low-carbon future. Below is an overview of green financing, its main forms, benefits, challenges, and opportunities. What … Read more

The best SIP mutual funds to consider in India for 2026 are those that align with your financial goals, risk tolerance and investment horizon. For a 6–7 year objective, rather than chasing the highest past returns, evaluate a diversified mix across large cap, mid cap, small cap, flexi cap, index and hybrid funds to balance … Read more

Public Provident Fund (PPF) is a government-backed long-term savings scheme in India, widely regarded as one of the safest investment options. Beyond regular contributions, the PPF account also permits borrowers to take a loan against the accumulated balance, allowing access to funds without permanently breaking the savings. Taking a loan from your PPF can be … Read more

The Cash Reserve Ratio (CRR) is a monetary tool used by the Reserve Bank of India (RBI) to regulate liquidity in the banking system. It represents the percentage of a bank’s total deposits that must be held as cash reserves with the RBI. These reserves do not earn interest and cannot be used for lending … Read more

When considering a credit card, you might wonder whether it makes sense to reapply for the same card you once cancelled or were denied. The short answer: yes — you can apply again. Issuers understand that financial situations change, so a prior denial or cancellation doesn’t permanently close the door. Reapplying can be a sensible … Read more