Personal Finance

How to review and update all your nominations in one go

A quick annual review that ensures your money reaches the right hands without paperwork delays.

Everyday savings account moves that can trigger I-T attention

Even routine bank activity can invite questions if it doesn’t match what you’ve declared in your ITR.

Balance transfer vs rate renegotiation: What actually lowers your EMI faster and cheaper

Cut your EMI the smart way by choosing the cheaper, faster route—transfer when the rate gap is big, renegotiate when it’s small.

BNPL for everyday buyers: when to use it and when to skip

BNPL can help you manage expenses smoothly—only if you pay on time and read the fine print before you swipe.

How to build a 750+ credit score in just a few months

You don’t need major changes — just a few smart, consistent habits every month can push your score upward.

How to spot and avoid personal loan scams before it’s too late

Fake loan offers are rising fast, and knowing the red flags can save you from losing money — and your identity.

New Banking Laws from November 1: Appoint up to 4 nominees for bank accounts

The Banking Laws (Amendment) Act, 2025 allows bank account holders to appoint up to four nominees, enhancing depositor protection and streamlining asset transfer.

Picking the wrong home loan rate can cost you more than you think

Fixed or floating? This one decision can change how much you end up paying over the years

Are you saving too much for your own good? Here’s how to tell

Being careful with money is smart but sometimes extreme frugality can keep you from actually living

Money detox: Take this 7-day challenge to reset financial habits after Diwali indulgence

If turned into habits, the money detox challenge will improve your finances, give you a healthier bank balance and ensure a happier Diwali next year

Where should you keep your emergency fund: Savings account, bank FDs, or post office?

Choose a safe, easy-to-access parking spot that still pays some interest.

Hotel loyalty programmes: How to turn nights into free stays and upgrades

Hotels are pushing loyalty hard, and the perks can be real — free nights, room upgrades, breakfast, late checkout, and lounge access

Locking FDs during high inflation: What actually makes sense

Use an FD ladder to keep safety while leaving room to reinvest if rates rise, and weigh real returns against inflation.

How bank mergers affect fixed deposit and recurring deposit customers

Know what changes for your interest rates, renewals, penalties, and account details when your bank merges.

How safe are cooperative bank deposits after recent RBI crackdowns?

Know what DICGC covers, how to gauge bank health, and when to diversify.

UPI AutoPay takes the stress out of recurring payments

Seamless payments, smarter budgeting, and stress-free monthly bills.

International airline credit cards for Indians: Here's what frequent flyers should know

Airline co-branded cards are courting Indian travellers with faster miles, status shortcuts and lounge access

What a top-up home loan really is — and how much you can get

Already paying a home loan? You might be sitting on a cheaper way to borrow more money.

PPF rules for NRIs: Can parents fund a daughter’s account after she moves abroad?

According to PPF rules, an individual cannot deposit more than Rs 1.5 lakh in total across their account and those of their children

FD Interest Rates: Compare top banks for two-year deposits

IndusInd Bank offers the highest 2-year FD rate at 7%, followed by Axis Bank, HDFC Bank, and others. Compare rates to maximize your returns on fixed deposits up to Rs 1 crore.

How paying EMIs on time boosts your credit score

Consistent, timely payments show lenders you’re dependable — and that trust translates into a higher score.

Does using debit card EMI impact your credit score? Here’s what you should know

Debit card EMIs are convenient, but they don’t always work the same way as credit-based loans.

Planning to buy gold in instalments? Here’s how to do it right

Gold schemes can help you save smartly but some precautions are called for

How a credit freeze can shield you from identity theft

Locking your credit report may sound extreme, but it’s one of the smartest ways to stop fraud before it starts.