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.
BUSINESS
REITs vs a small rental flat: Which one makes more sense in 2026?
A rental flat feels tangible and familiar, but the numbers often disappoint after costs and vacancies. REITS can be easier to own and easier to exit, but they come with market volatility and less control. The better choice depends on what you want your real estate to do for you.
BUSINESS
Missed a personal loan EMI? What to do next
Missing an EMI is stressful, but panic makes it worse. The first few days after a default matter more than most people realise—and the right steps can limit damage to your credit and finances.
BUSINESS
When a personal loan slips out of control and turns into an NPA
It doesn’t start with “default.” It starts with missed EMIs. But once you cross the 90-day mark, things get more official, more stressful, and harder to undo.
BUSINESS
A no-fuss budgeting formula that can bring your money back under control
It won’t make you rich overnight, but this simple rule can bring order to messy money habits without spreadsheets, guilt or extreme cutbacks.
BUSINESS
Working from home as a freelancer: Do you really need cyber insurance?
You don’t need to be a big company to have a cyber problem. For a freelancer, one hacked email or stolen laptop can mean lost income, angry clients, and weeks of cleanup.
BUSINESS
Five corporate credit card mistakes that can quietly get employees into trouble
Corporate credit cards are meant to make work easier, but small lapses in judgment or process can quickly turn into financial, disciplinary and even legal trouble.
BUSINESS
Why your credit card usage matters more than you think when applying for a loan
It’s not just missed payments that matter. Even routine credit card swipes shape how banks judge your ability to repay a loan.
