Starting a Systematic Investment Plan (SIP) in mutual funds is simple, and stopping one is almost as easy. SIPs let you invest a fixed amount at regular intervals, helping build saving discipline and benefit from market fluctuations. But life changes — job loss, changed goals, or a shift in risk appetite — can make you … Read more

Investors frequently use the term compound annual growth rate (CAGR) when making decisions about mutual fund investments. New investors and those learning about mutual funds need to know what CAGR means in the context of mutual funds and how it influences investment choices. Below is a clear explanation to help you understand its role. How … Read more

The digital personal loan is now an option you can access within seconds from your smartphone. Modern fintech solutions mean you no longer need to worry about visiting physical branches, applying in person, or submitting documents face-to-face. Visiting physical branches Applying manually for a loan Submitting documents in person Today, all you need is an … Read more

Highlight: Learn how HR leaders and organizations can improve employee mental health and wellbeing, and why these priorities have grown since the pandemic began. The pandemic’s impact on mental health has been clear for more than a year. Research and media coverage have documented widespread effects, with studies showing that pandemic-related stress has affected people … Read more

The DPD remark in a CIBIL report is a critical indicator that requires prompt attention. It can pull down your CIBIL score and influences lenders’ decisions alongside other data points such as your credit score, recent credit enquiries and account history. DPD stands for Days Past Due and reflects delayed repayments on loans or credit … Read more

Using a personal loan to cover a home loan deposit can help you secure your dream home even when cash is tight. Buying property is a major financial commitment and often involves expenses beyond the purchase price. Draining all your savings for a down payment can leave you financially vulnerable, so tapping a personal loan … Read more

Fond of scrolling through Instagram and admiring beautiful travel photos? You’re not alone. The good news is you can fulfil your travel dreams without emptying your savings. With careful planning, discipline, and a few smart strategies, budget travel is entirely achievable—even when prices are rising. Sticking to a travel budget takes commitment. You’ll need to … Read more

Cash shortages can affect anyone. A financial emergency means an immediate expense you cannot afford to delay — medical bills, sudden repairs, or an unexpected loss of income, such as during a pandemic. In those moments, people often rely on local moneylenders who charge very high interest or sell assets for quick cash. Both choices … Read more

Credit card issuers raise your credit limit based on your overall financial profile and creditworthiness. They review factors such as income, existing debt, number of active cards, employment status, repayment history and credit score. A higher limit provides greater spending flexibility for shopping, essentials, travel, food and entertainment. Understanding how issuers determine limits and what … Read more

NAV represents the per-unit value of a mutual fund scheme. It indicates how much each unit of the fund is worth on a particular day. For example, if you invest ₹10,000 in a mutual fund and the NAV on that day is ₹50, you will receive 200 units. If the NAV later rises to ₹55, … Read more