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