When you apply for a loan, lenders often check your credit score with bureaus such as Experian or CIBIL to evaluate your creditworthiness. These scores summarise your borrowing behaviour and repayment history as recorded by each credit information company. It is common to see different scores from different bureaus. Although Experian and CIBIL consider many … Read more

UPI transformed payments by enabling faster checkouts and removing the need for cash or cards. But alongside this convenience, new risks have emerged. Scammers are constantly evolving their tactics—phishing messages, fake QR codes and cloned apps are now common. These schemes can trap both inexperienced users and frequent UPI customers. With complaints about UPI fraud … Read more

In corporate settings, wellness has often been equated primarily with an employee’s physical health, and many employer programs have reflected that narrow focus. Yet “wellness” means different things to different people: for some employees physical fitness is the priority, while for others mental or emotional wellbeing matters more. Focusing on a single dimension of wellness … Read more

Unified Payments Interface (UPI) has transformed daily payments into a quick, convenient habit. Whether you’re transferring money to friends, splitting bills, paying at a store or shopping online, UPI makes transactions seamless. With that convenience comes a frequent question: is there any tax on UPI transactions? This article clears up that doubt and explains when … Read more

Understanding income tax for women is an important part of effective financial planning, particularly as more women participate in the workforce, start businesses and build investment portfolios. While income tax laws in India are largely gender-neutral today, being familiar with applicable tax slabs, available exemptions and deductions helps women make informed choices and optimise their … Read more

Tax-saving fixed deposits are fixed-deposit schemes with a mandatory five-year lock-in, offered by banks and post offices. Like regular FDs, they provide a fixed rate of interest and preserve capital safety. The interest earned is taxable, but the principal invested qualifies for deduction under Section 80C of the Income Tax Act, helping you reduce taxable … Read more

Employees today expect more than a paycheck. Beyond paid time off and health insurance, many are seeking tax benefits, retirement plans, debt relief, and practical help with personal financial planning. When employers offer meaningful financial wellness support, workers value them for providing benefits that are often hard to find elsewhere. Financial wellness describes an individual’s … Read more

Five years ago, on the 23rd of February, we launched the EarlySalary MVP with the belief that it would become the foundation of a credit ecosystem that improves people’s lives in meaningful, tangible ways. We were a small team working around the clock, often sleepless, driven by the vision of making credit accessible to everyone. … Read more

Are rising electricity bills putting pressure on your budget? There’s a practical solution that can lower your energy expenses while reducing your environmental footprint: solar power. Beyond being a popular choice, installing solar panels is a long-term financial strategy that can significantly reduce household or business electricity costs. But how does solar deliver those savings, … Read more

Do you understand how a rise in the repo rate can influence your personal finances? When you take out a loan, the interest rate charged by lenders is not arbitrary; it is tied to the prevailing repo rate and each institution’s lending policy. Key points to know: The repo rate is the rate at which … Read more