Savings

A practical guide to easing monthly payments without derailing long-term goals.

From savings to security: The best post office schemes for every financial goal

The humble post office offers more than stamps — it’s a treasure chest of safe, government-backed investment options for every stage of life.

How to stop your EPF money from going missing during job changes

Delayed transfers and inactive accounts can quietly cost you years of interest — here’s how to keep your PF money growing

How much you really need to retire early — the math for 45, 50, and 55

Dreaming of an early exit from work? Here’s how to estimate your ideal corpus based on your age and lifestyle.

EPF corpus grows nearly fivefold in a decade, tops Rs 24.7 lakh crore

Formalisation, higher wages, and new member additions drive record growth

EMI vs SIP: Why paying yourself first could save you thousands

Choosing the right approach to managing loans and investments can protect your finances and secure your future.

FD-backed credit cards: A smart way to build credit with your savings

Using your fixed deposit as security, you can unlock the benefits of a credit card while minimizing risks.

PPF vs FD: Which is better for your savings and why it matters

Public Provident Fund and Fixed Deposits are two of the most favourite savings avenues, but the choice depends on your risk appetite, time horizon, and goals.

How to build an emergency fund without cutting all your joys

An emergency fund can be your safety net in tough times. Here's how to start building one without overhauling your life.

Compounding Magic: Why Rs 1 crore to Rs 2 crore takes 6 years, but Rs 9 crore to Rs 10 crore just 1

The higher your investment corpus, the faster it grows in absolute terms, even if the rate of return stays the same

The hidden cost of your lifestyle: Is it draining your savings?

It is simple to underestimate the way your daily decisions—such as ordering takeout, buying upgrades to gadgets, or weekend consumerist splurges—will silently undermine your money health. These innocent-looking habits tend to slip into your life and steadily blow out your monthly budgets unnoticed. Here’s how to identify and fix them.

SIP: Avoid These 5 Costly SIP Mistakes to Maximize Your Investment Returns | MC Explains

Are you investing in SIPs but unsure if you're doing it right? In this video, we break down the 5 most common mistakes SIP investors make—and how to avoid them to maximize your returns and secure your financial future.

Statistics ministry to take a shot at household income survey again; sets up expert group

The ministry had first attempted to conduct such a survey in 1955, followed by another one in 1958, but did not release the results of the surveys.

Ambition is redefining the purpose of savings in India

India's saving culture has evolved from necessity to ambition. With technological growth, increasing connectivity, and opportunities for education and health, the focus has shifted towards long-term prosperity and national development

5 financial habits that prevent you from saving

Common financial mistakes like overspending, not tracking expenses, and delaying investments can significantly hinder your ability to save money.

Unlocking tax benefits with your home loan: A guide to smarter savings

From principal repayments to interest deductions, your home loan can unlock several benefits under India’s income tax laws.

HDFC Bank cuts savings rates, BoI lowers FD rates: How does this affect account holders?

HDFC Bank has reduced its savings deposit rates by 25 bps, while Bank of India has cut fixed deposit rates across maturities. In a falling interest rate scenario, depositors must rework strategies to optimise liquid assets, say financial advisors

Ten years on, Sukanya Samriddhi scheme’s base is widening, poorer states gaining in participation

UP has 4.5 million accounts under the scheme with an 11 percent share, compared with 1.6 million by March 2019 and 25,766 in 2015

Specialised Investment Funds (SIF): A Game Changer for Investors | How They Work & Who Should Invest

Sebi's new asset class, Specialised Investment Funds (SIFs), is transforming the investment landscape by offering higher flexibility and advanced strategies for investors with a higher risk appetite. In this video, we break down how SIFs work, who can benefit from them, and why they could be the perfect fit for your portfolio. Watch to learn how SIFs differ from traditional mutual funds and why they might be the next big thing in investing!

MC EXCLUSIVE: ‘Govt’s savings likely to increase by up to 28% in FY25 due to expenditure reforms’

The government has expanded the Treasury Single Account to cover all Central sector schemes, which have budgets of more than Rs 100 crore. In FY24, the threshold for similar schemes was higher at Rs 500 crore. Altogether, savings of up to Rs 18,000 are expected in this fiscal, which are being attributed to just-in-time payment measures, according to an official.

Chart of the Day | The untapped potential of India's mutual funds

While financial savings account for 46% of gross household savings, only 6% is allocated to mutual funds, underscoring the significant growth potential in the mutual fund industry

Money Matters| Snowball vs Avalanche—Which Debt Repayment Strategy Can Maximize Your Savings

Debt can be scary and overwhelming, but with the right strategy, it can be managed and eliminated. Two popular approaches to debt repayment are the balloon method and the avalanche method. Each has its own advantages and disadvantages, and the best choice for you will depend on your specific financial situation and goals. Debt is a heavy burden, both emotionally and financially. It can limit your ability to save, invest, and achieve your long-term goals. Fortunately, there are several effective strategies you can employ to reduce your debt and regain control of your finances.

Tracking your net worth can help set and achieve financial goals: here’s how to do it

Tracking your net worth is not only for high-net-worth individuals. Whether you're just starting to manage your finances or you're working toward bigger financial goals, regularly monitoring your net worth can help you set realistic financial goals, improve spending habits, and measure progress over time.

How to save Rs 1 crore quickly with a monthly salary of Rs 1 lakh: Smart strategies for fast growth

While saving and investing wisely are crucial, you should also aim to increase your income over time. Whether through salary increments, bonuses, side hustles, or freelancing, any additional income can be directed towards your Rs 1 crore goal.

10 simple hacks to boost your savings game

Saving money can feel like an uphill battle, especially when you're on a tight budget. However, with a few small changes to your daily habits, you can significantly increase your savings.