BUSINESS
Why having more than one UAN can quietly mess up your EPF, and how to fix it
Multiple job changes can leave you with two UANs without you even realising it. It doesn’t just look messy on paper—it can slow transfers, complicate withdrawals, and leave old EPF balances forgotten.
BUSINESS
A simple way to pay for big expenses without taking loans
Most “money surprises” aren’t actually surprises. A sinking fund is just a way to spread the cost quietly across months, so you’re not forced into EMIs when the bill shows up.
BUSINESS
Pre-approved personal loans: Why banks push them and when you should still say no
A pre-approved loan feels flattering and urgent, but it’s rarely about doing you a favour. It’s about risk, timing and margins—and knowing that makes it easier to decide when to walk away.
BUSINESS
The three-bucket retirement plan is easy to draw, harder to live with. Here’s how to do it
The three-bucket idea sounds neat in theory. The real challenge is translating it into Indian accounts, funds and tax rules without creating a complicated mess you won’t maintain.
BUSINESS
What to check before a loan app asks for your contacts and photos
The money may be quick, but the access you give can last much longer. A few careful checks before you tap “allow” can spare you a lot of stress later.
BUSINESS
If your income is uneven, this budgeting approach works better
When income is uneven, a “monthly budget” can feel like a monthly fight. What helps is a simple system that smooths the ups and downs, so your household isn’t constantly reacting.
BUSINESS
How your credit limit is decided, and how to ask your bank to raise it without denting your score
Your credit limit is not a reward for being a “good customer.” It’s a risk number, set by the issuer’s models using your income, existing debt, and repayment behaviour. If you ask for an increase the right way, you can often get more headroom with minimal score impact.
BUSINESS
Credit card interest-free period explained: Why two people using the same card can pay interest differently
The “interest-free period” is not a flat promise for everyone. It depends on your billing cycle timing, whether you paid the full amount last month, and what kind of transaction you made.
BUSINESS
How to check if a loan was taken in your name using PAN or Aadhaar
If your PAN or Aadhaar has been misused, speed matters more than perfect paperwork. Your first job is to find the loan on your credit record, and your second is to create a clean paper trail that forces the lender and the credit bureau to treat it as fraud.
BUSINESS
The credit card date that matters more than your due date
Many credit card users focus only on the due date. In reality, the statement date is just as important—and adjusting it can quietly give you more breathing room every month without costing you a rupee.
BUSINESS
What your first credit card bill is really telling you: 5 essential checks
Your first credit card bill is more than a payment request. It is a blueprint for how credit works, what mistakes cost money, and how quickly small oversights can snowball.
BUSINESS
Should you buy a second property for “rental income”? A reality check on yield, vacancy, and taxes
Rental income looks steady on paper, but once you account for real-world yields, empty months and tax friction, the maths often looks very different.
BUSINESS
Rent or buy in your 30s and 40s? How to make the call calmly
This decision gets messy because it’s rarely just about money. It’s about stability, family pressure, fear of “missing the bus” and the need to feel settled. A good choice starts by separating what you want emotionally from what your finances can carry comfortably.
BUSINESS
ETFs or index funds: Where should smart money really go?
Both ETFs and index funds track the market, but differences in costs, liquidity and access can shape your returns.
BUSINESS
The “multiple accounts” trap: Why too many savings accounts can increase chaos and reduce returns
More bank accounts feel organised, but beyond a point they quietly work against you.
BUSINESS
Common health insurance mistakes that show up only when you file a claim
The biggest surprises in health cover are rarely about premiums. They are about definitions, disclosures and small clauses that suddenly matter when you are in a hospital.
BUSINESS
NPS annuity plans, without the jargon: How to pick the one that suits your life
Choosing an NPS annuity is really a choice between higher monthly income today and how much protection you want to leave for your spouse, family, or nominee tomorrow.
BUSINESS
Changing jobs often? Here’s what happens to your EPF each time
Your money does not reset with every new employer, but UAN, KYC mismatches and exit date delays can quietly lock your EPF in limbo.
BUSINESS
NPS exit rules get more flexible: What corporate subscribers should rethink now
The latest changes to NPS withdrawal rules give corporate subscribers far more control at retirement, but they also shift more responsibility onto the investor.
BUSINESS
Current account or savings account: The practical choice for growing freelance income
The wrong choice can quietly increase costs, trigger compliance questions, or even lead to account freezes at the worst possible time.
BUSINESS
The biggest claim mistakes happen before the claim: What to document from day one
Most claims get stuck not because the accident or illness was unclear, but because the paperwork trail was never built, and insurers only pay smoothly when your documents and disclosures tell one consistent story.
BUSINESS
How to start investing in mutual funds: Account opening, KYC documents and commission explained
Invest in mutual funds with PAN, address proof, and bank account. Choose direct or regular plans, complete KYC, and start with Rs 500, considering your goals and fund type.
BUSINESS
Personal loans for freelancers: What lenders check, what you’ll need, and how to apply without getting stuck
Freelancers can absolutely get personal loans, but the bank’s comfort comes from consistency, not job titles. If you package your income story well—bank credits, tax filings, and clean repayment history—you can improve both approval odds and pricing.
BUSINESS
Lost your job? A month-by-month plan to protect your money and recover
Losing a job is both a financial shock and an emotional one. A clear, time-bound plan can help you protect cash, avoid panic decisions, and slowly rebuild confidence and income over the next year.
