Credit card churning is a strategy some people use to maximise rewards, sign-up bonuses and other perks offered by card issuers. Credit card companies provide incentives such as reward points, cashback, discounts and introductory offers to attract customers. Welcome bonus points are a common attraction that churners target. Churning typically involves applying for a card, … Read more

April 1 marks the start of the financial year in India. Although the calendar year begins in January, India uses an April–March cycle for historical, agricultural and administrative reasons. Harvest timing and seasonal business activity often peak around April, so beginning the financial year then became practical for budgeting, taxation and financial reporting. Below, we … Read more

Compiled By: Sandeep RaghunathAbout Sandeep: He is the Head of Human Resources at EarlySalary, with over 10 years of international HR experience across industries. Managing a workplace with many demotivated employees is challenging. A content workforce boosts team efficiency and accelerates productive outcomes. As a leader, I know teams do not always share concerns directly. … Read more

One of the most common questions investors ask about mutual funds is what Net Asset Value (NAV) means. Because market prices change daily, a fund’s NAV also fluctuates. This often leads to misconceptions about whether low or high NAVs are better choices. Some investors assume that a low NAV indicates a bargain, while others equate … Read more

Imagine powering your home or office with sunlight—clean, renewable, and cost-effective. Rooftop solar offers a practical way to do exactly that. As electricity costs rise and demand for sustainable energy grows, more homeowners and businesses are choosing rooftop solar panels to generate their own electricity. But how does rooftop solar work, and is it a … Read more

Being a stay-at-home mom is rewarding but demanding. Between diaper changes, meals, and household chores, the day can pass in a blur. For mothers who want to contribute financially or pursue personal goals, finding flexible ways to work from home can make a big difference. The good news is many home-based opportunities let you set … Read more

Today, most credit card issuers let you generate or change your credit card PIN both online and offline with ease. A credit card PIN is the personal identification number used to verify your identity when completing transactions at ATMs, point-of-sale terminals, and other payment gateways. Entering the correct PIN allows the payment system to authenticate … Read more

With recent advances in finance, personal loans have become widely accessible with minimal paperwork. Aadhaar-based loans are gaining popularity because they let applicants obtain a personal loan without the burden of lengthy documentation. Unlike traditional bank lending, Aadhaar-enabled loans simplify the process and reduce delays. What documents do you need for Aadhaar-based loans? The introduction … Read more

An identity proof verifies who you are, while an address proof confirms where you live. In India, commonly accepted identity and address documents include the Aadhaar card, passport, driving licence and voter ID card. These documents are often required when completing KYC, opening a bank account, joining an organization, applying for a loan or requesting … Read more

Mutual funds are a simple and effective way to grow wealth, but investors often face a choice: Systematic Investment Plan (SIP) or lumpsum investment. Both methods invest in the same mutual fund schemes, yet they differ in approach, timing and risk exposure. Understanding these differences helps you pick the option that best matches your financial … Read more