While our nation’s GDP has been steadily rising since 1991, female labour force participation has declined. In 2004–2005 participation stood at 42.7 percent, dropping to 23.3 percent in 2017–2018, and falling further to 20.3 percent by 2019, according to World Bank data. These figures show that targeted efforts are needed to improve women’s representation and … Read more

If you’ve ever wondered when mutual funds began in India, the story starts in 1963, roughly a decade after independence. The first organized mutual fund initiative was created by the Government of India and the Reserve Bank of India under the Unit Trust of India (UTI). That step launched a decades-long evolution that turned mutual … Read more

Income plays a major role in a lender’s decision, so securing a personal loan with a low salary from traditional banks can be challenging. However, a growing number of online lenders provide personal loans with simplified eligibility criteria and more flexible income requirements. There are practical steps you can take to improve your chances of … Read more

The coronavirus pandemic has disrupted everyday life worldwide, leaving many people feeling uneasy and gloomy. As this crisis continues, mental health concerns are rising, compounded by a steady stream of negative news. Maintaining a positive mindset is therefore more important than ever. As a famous headmaster once noted, “Happiness can be found even in the … Read more

With a busy schedule and an on-the-go lifestyle, it’s easy to miss a credit card payment. Missing the due date can trigger late fees and compound interest, increasing your outstanding balance. If paying the full amount is difficult, you can at least pay the minimum due to avoid late-payment penalties and protect your credit score. … Read more

Aadhaar is now available on a durable PVC card, a practical upgrade introduced by UIDAI to address the fragility of traditional paper Aadhaar letters. Since Aadhaar serves as a primary proof of identity and address, carrying a resilient, wallet-sized PVC card reduces the risk of damage from daily use and exposure to the elements. Original … Read more

Material wants and high expectations can easily trap us in a cycle of debt. That tempting leftover credit limit, a zero percent EMI offer, or big-sale discounts make it easy to spend beyond your means. What many people don’t realise is that the same financial system that offers easy credit can also provide a way … Read more

You might wonder what a moratorium is when reviewing loan terms. Simply put, a moratorium is a temporary pause on your EMI payments for a defined period. During this break you are not required to pay instalments, and lenders typically don’t impose penalties for using this facility. It is a relief option many lenders provide … Read more

When you lose your job, the first and most important step is to inform your lender. Open communication makes it easier to explore options such as a temporary payment pause, loan restructuring, or a revised repayment schedule. Make a prioritized list of essentials, use emergency savings prudently, and plan your spending to stretch funds until … Read more

Paying income tax online is now a straightforward digital process through the Income Tax Department’s e-Pay Tax portal. Enter your PAN, verify your identity using an OTP, select the assessment year and the type of payment, enter the tax amount, and complete the payment using net banking or other supported methods. If you are unsure … Read more