Whether you are a recent graduate or a seasoned professional, starting a new job can feel like entering unfamiliar territory. While preparing your CV and learning new workplace language, don’t overlook one important factor: your credit history and credit score. Increasingly, employers and background-screening firms consult credit reports when evaluating candidates. Credit bureaus such as … Read more

The average personal loan interest rate varies by lender, but it is typically higher than rates for secured loans and other credit products. Understanding why personal loan rates tend to be elevated helps you make better borrowing decisions. Read on to learn why personal loan interest rates can be high and what factors influence the … Read more

Buying an iPhone 13 on EMI is now simpler thanks to numerous online financing options. Using a credit card, you can convert the purchase into affordable monthly instalments. Many plans offer 100% financing, which means no down payment is required — you only pay the monthly EMI amount. The Fibe Axis Bank Credit Card is … Read more

When unexpected expenses arise, the quickest way to cover them is often a small personal loan that you can apply for online. With Aadhaar, the process has become much simpler and faster. Aadhaar serves as both identity and address proof, enabling lenders to verify details instantly via e-KYC. That makes applying for a ₹50,000 loan … Read more

India’s payments landscape has transformed quickly in recent years, shifting from largely cash-based transactions toward a more digital economy. Two major drivers of this change are the Digital Rupee and UPI. Both simplify payments, but they differ significantly in how they operate and the roles they play. If you’re new to the Digital Rupee or … Read more

Financial planning is essential for a secure future, especially during retirement. Diversifying investments across schemes and assets reduces risk and can boost returns when you retire. To support retirement planning, the Government of India introduced the National Pension Scheme (NPS), available to all working individuals except members of the armed forces. NPS returns are tax-efficient … Read more

Excited to see numbers on your salary slip but puzzled why the credited amount differs from what you expected? The difference usually comes from how gross salary, take-home (net) salary, and CTC (Cost to Company) are defined. This article explains the common components on a salary slip so you can understand what each element means … Read more

Refinancing a car loan can be a smart move when you find lower interest rates or more favorable terms than your existing loan. It can ease the burden of high monthly payments and make the loan more manageable if you’re struggling with a costly interest rate. The refinancing process is generally straightforward and requires only … Read more

A salary account is primarily designed for salaried professionals and typically offers zero minimum balance, salary-linked perks and simplified banking features. A savings account, in contrast, suits anyone looking to park funds securely, earn interest and manage everyday transactions without relying on a monthly salary deposit. In short, the key differences between a salary account … Read more

Muskan is a 25-year-old photographer who recently transitioned into the professional world of photography after studying psychology. By the end of her master’s degree she decided to change course and pursue a creative career. At an age when many peers are becoming financially independent and supporting families, Muskan still relies on her parents for money. … Read more