Cross-border payments are transactions used for international trade, online purchases, and sending money to friends and family abroad. As global connections grow, these payments have become essential to conducting business and transferring value across borders. They enable the movement of funds between different financial systems and play a vital role in the global economy. Advances … Read more

In India, festivals and financial planning are closely linked. As March ends, businesses and institutions across the country close their books, and April marks the start of a new financial cycle for many according to the Samvat calendar. Gudi Parva signals the beginning of a fresh year and the harvest season in Maharashtra, while much … Read more

The best UPI payment app in India in 2026 depends on how you use digital payments. For everyday QR and merchant payments, PhonePe and Google Pay are widely preferred. BHIM provides a simple, government-backed UPI experience. Amazon Pay suits shoppers seeking purchase-linked rewards, while WhatsApp Pay is convenient for sending money within chats. Paytm remains … Read more

Every time you make a payment through a UPI app, you enter a numeric code known as your UPI PIN. This code secures your digital payments, acting as the final authorization each time you send money. Whether you are setting a UPI PIN for the first time or need to reset it, this guide explains … Read more

There is no definitive list of fake loan apps because fraudsters frequently launch new apps under different names. Some apps that have been reported for suspicious or fraudulent activity include Insta Loan, Maxi Loan, RupeeGo, Lendkar and CashBus, but the list changes as new apps appear and others disappear. More important than memorising names is … Read more

Invoice discounting is a financing solution that helps businesses unlock working capital tied up in unpaid invoices. If your funds are locked in receivables, this facility lets you access cash quickly to cover operating expenses, smooth cash flow, or invest in assets. Below is a clear overview of invoice (or bill) discounting, its benefits, eligibility … Read more

If you know how to obtain and interpret a CIBIL report, you can quickly assess your financial standing and take informed steps to improve your creditworthiness. Downloading and reviewing your credit report helps you understand your credit health and identify areas that need attention. A CIBIL report is a comprehensive record of an account holder’s … Read more

Opening a Union Bank of India savings account is a practical way to manage your money securely while earning interest on deposits. With a strong nationwide presence and dependable digital banking, Union Bank of India provides a variety of savings account options designed for individuals, salaried professionals, senior citizens and students. This guide covers the … Read more

“Train people well enough so they can leave. Treat them well enough so they don’t have to.” Sir Richard Branson’s well-known maxim captures both the challenge and the solution at the heart of human resources: develop employees’ skills while creating a workplace that makes them want to stay. Historically, HR’s primary tasks have centered on … Read more

We don’t need a formal survey to know that many salaried individuals want to pay less tax and keep more of their earnings. Taxation is a recurring topic around every annual budget debate, especially when new income tax slabs or provisions are introduced. As HR professionals, you can play a vital role in helping employees … Read more