As daily life grows busier, it can be harder to prioritise the planet. Green deposits offer a straightforward solution: a fixed-deposit style investment that earns competitive returns while directing funds to environmentally responsible projects. Below you’ll find a clear explanation of how green fixed deposits work, their advantages, current interest-rate ranges, and considerations to keep … Read more

Credit card late payment charges are an important detail every cardholder should understand. Card issuers impose these fees when you fail to clear your dues by the payment deadline. While credit cards offer convenience and rewards, late payment penalties and the interest that follows can quickly increase your financial burden. Being aware of these charges … Read more

Keeping track of your Union Bank account balance is easier than you might think. Whether you prefer a missed call, SMS, ATM, WhatsApp, net banking or an updated passbook, several convenient options let you check your balance within seconds—without visiting a branch. Ensure your mobile number is registered with the bank to use these services. … Read more

If your loan has been closed but still appears as active on your CIBIL report, it usually means the lender has not updated the repayment status with the credit bureau. This discrepancy can lower your credit score and delay future approvals, but it is typically straightforward to fix: review your report, collect proof of closure, … Read more

Highlight: This Diwali, enjoy luxury shopping without the upfront pinch by choosing the EMI route! The festive season is the perfect time to treat yourself, but many of us hesitate because high-ticket items can strain the budget. Festivals bring attractive sales and seasonal offers that make otherwise expensive appliances, gadgets, and home furnishings more accessible. … Read more

Small Finance Banks (SFBs) are reshaping banking in India by improving access to financial services for those who have traditionally been underserved. Launched by the Reserve Bank of India (RBI) in 2015, SFBs target small businesses, farmers, micro-entrepreneurs and low-income households, offering tailored deposit and credit products to widen financial inclusion across urban, semi-urban and … Read more

By: Sudhir Dhar, Director – Group CHRO, Motilal Oswal Emotional intelligence (EI) is a form of social intelligence involving the ability to recognize and manage your own emotions, understand others’ emotions, and use that awareness to guide thinking and behavior. It helps reduce stress, improve communication, build empathy, resolve conflict, and overcome challenges. EI influences … Read more

Highlight: A wave of budget smartphone launches has made it easier than ever to find a great phone under ₹15,000. This list will help you choose the right device for your needs. A modest budget no longer means sacrificing essential features. Brands like Samsung, Xiaomi, Realme, Vivo, Motorola, Oppo and iQOO offer capable phones under … Read more

Indian weddings are vibrant celebrations filled with colour, music and cherished traditions. They are joyous occasions—but they can also be expensive. From venue and décor to catering, outfits and travel, costs add up quickly. Recent estimates put the average Indian wedding cost at roughly ₹29.6 lakhs, making careful financial planning essential for couples and families … Read more

A fixed salary provides financial stability by covering your regular monthly expenses. Still, inflation and rising living costs can make it difficult to stretch that salary through the entire month. An EY-Refyne survey found that more than 80% of employees exhaust their monthly pay before their next paycheck arrives. That situation makes handling unexpected costs—medical … Read more