Calculating turnover rates shows how effectively a company uses its assets to generate revenue. The asset turnover ratio (ATR) is calculated by dividing net sales by average total assets. A higher ATR indicates the business extracts more sales from each unit of asset, while a lower ATR can signal underused assets or operational inefficiencies. Investors … Read more

To understand taxation in India, it helps to distinguish between direct and indirect taxes. In brief: Direct tax is paid to the government based on income or profits you earn. Indirect tax is paid when you purchase goods or services. Read on for a clear explanation of each type and how they differ. What is … Read more

Highlight: Employee attrition in companies arises from various factors. Although unavoidable, it can be controlled by effective measures. According to surveys, roughly one-third of newly hired employees begin searching for new jobs within six months of joining. Few people remain with their first employer for the long term. While turnover may seem normal, employee attrition … Read more

Owning a two-wheeler is more than just a way to commute for many women; it offers independence, convenience, and greater freedom to manage daily life. Whether you are considering a brand-new bike or a well-maintained used model, financing with a two-wheeler loan can make the purchase more affordable and manageable. Most lenders let you apply … Read more

Highlight: Buying your first car is a big step, especially if you’re buying a second-hand vehicle. Below are the documents to verify and the common car-buying mistakes to avoid. Sales of used cars have surged recently for good reasons. Compared with new cars, pre-owned vehicles often make more financial sense: lower upfront cost, reduced insurance … Read more

When selecting mutual funds, many investors focus only on returns over the past one or three years. But short-term snapshots can be misleading because markets cycle through highs and lows. Rolling returns provide a clearer picture by measuring a fund’s performance across many overlapping time periods. This helps you judge how steady and reliable a … Read more

You’ll encounter the term “compound interest” across many financial contexts—from savings accounts and fixed deposits to loans and bonds. When interest compounds, your money can grow substantially faster than with simple interest, helping you build wealth over time. Conversely, for borrowers, compounding can make debt grow quickly. Understanding compound interest is essential for making informed … Read more

UPI has made digital payments fast and convenient. But what happens when you don’t have internet access? Offline UPI payments solve that problem. They let you send money, check your balance, and make purchases without mobile data or Wi‑Fi. This option works on both smartphones and basic feature phones by using the *99# USSD code … Read more

After the 2008 global financial recession, Martin Khor, then Director of South Centre, observed: “The causes of the global financial crisis are to be found in the financial and economic policies of the developed countries, primarily the United States (US). Developing countries are not responsible for it, but they are now seriously affected.” Widespread crises … Read more

A Recurring Deposit (RD) account is an easy, disciplined way to save: you deposit a fixed amount every month and earn interest over a pre-determined tenure. RD interest rates are typically higher than those on regular savings accounts, making recurring deposits a low-risk option for structured financial planning. You can open an RD account with … Read more