Learn personal finance, explore government schemes, savings plans, and investment guides. Manage your money wisely and grow your wealth in India.
What to do after car loan closure is not just about paperwork — it’s a moment to rethink your personal finance and strengthen your money mindset. Paying off a car loan is a big financial achievement 🎉 that reflects discipline, planning, and commitment. But the journey doesn’t end with your last EMI. To truly benefit … Read more
Planning your daughter’s future is one of the biggest responsibilities of a parent. With rising education and marriage costs, many families look for a safe, government-backed scheme. The Sukanya Samriddhi Yojana (SSY), launched under the Beti Bachao, Beti Padhao campaign, is designed exactly for this — offering high returns, tax benefits, and financial security. Parents … Read more
The Senior Citizens Savings Scheme (SCSS) is one of the most reliable government-backed savings options for retired individuals in India. It offers attractive interest rates, quarterly payouts, and tax benefits under Section 80C of the Income Tax Act. If you are a senior citizen looking for a safe investment that provides regular income post-retirement, SCSS … Read more
When it comes to safe and long-term investments in India, the Public Provident Fund (PPF) is often the first choice for many. With the backing of the Government of India, tax benefits under Section 80C, and guaranteed returns, Public Provident Fund PPF has stood the test of time. While banks also offer PPF accounts, the … Read more
When you’re applying for a loan or credit card in India, your CIBIL score becomes your financial report card. But what exactly makes a “good” score? How rare is that perfect 900? And most importantly—how can you improve yours? As someone who’s helped thousands understand credit scores, I’ll walk you through everything you need to … Read more
Fixed Deposits (FDs) are one of the most trusted savings instruments in India. They offer guaranteed returns and safety of capital, but the interest earned is not entirely tax-free. Banks deduct TDS (Tax Deducted at Source) on FD interest once it crosses certain limits. From April 1, 2025, the Government of India has announced higher … Read more
Your 40s are a financial crossroads where money mistakes can be devastating. You’re likely earning more than ever before, but retirement is suddenly feeling real instead of distant. The money mistakes in your 40s you make now can determine whether your golden years are truly golden or filled with financial stress. Making the wrong financial … Read more
Indian Post Office schemes represent one of the most trusted and secure investment avenues for millions of Indians seeking guaranteed returns backed by government assurance. Moreover, these schemes cater to risk-averse investors and include popular products like the Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS), and Monthly Income Scheme (MIS). Additionally, they offer … Read more
Want to know how to invest in REITs Real Estate Investment TrustsIndia? Real Estate Investment Trusts (REITs) are revolutionizing how Indian investors access commercial real estate markets. Instead of needing ₹30 lakhs to buy property, you can start investing in REITs with just ₹10,000 and earn regular dividends from premium office spaces and retail malls. … Read more
The 50/30/20 Rule for Personal Finance is one of the simplest ways to manage money without feeling overwhelmed. It breaks your after-tax income into three clear buckets: 50% for needs, 30% for wants, and 20% for savings or debt repayment. For Indians looking to build smart money habits, this method offers a beginner-friendly approach that … Read more