If you’re an NRI, chances are you’ve thought about investing back home more than once. And chances are the paperwork put you off. Which bank account? What will KYC ask for? How much tax comes off when you sell? Every question like this is a fair question. The good news is that the process is […]

Meet Riya. It is 11 pm, and she has finally decided to invest in her first bond. With her funds ready, the application asks her to link both a trading account and a Demat account. Why two accounts for a single bond? The trading account is the bridge, the execution layer that places the order. […]

Introduction Most bonds pay interest and return the principal in the same currency. Dual Currency Bonds split those two jobs across two different currencies. The coupon looks familiar enough. What lands at maturity may not, because an exchange rate has been attached to the repayment. Key Takeaways What Is a Dual Currency Bond? For anyone […]

Introduction Bonds are meant to be the predictable part of a portfolio. Then the offer document mentions a call option, and a ten year income plan quietly becomes a five year one. Call Risk is the possibility of exactly that. The issuer decides when the bond ends, not the investor. Key Takeaways What Is Call […]

When Neha switched brokers last month, she couldn’t lay her hands on her Demat account number. All she had was her PAN card. So can a PAN card tell you your Demat account number directly? Not really, and the reason comes down to what PAN is actually for: it confirms who you are, not which […]

Can a 14 year old have a demat account? Yes, and that surprises most parents. A minor demat account lets you hold securities in your child’s name while you manage it on their behalf, useful for gifts, goals and an early lesson in investing. Key Takeaways What is a Minor Demat Account? It is an […]

A person paying a home loan EMI rarely thinks about what happens after the money leaves the bank account. The assumption is simple. In many cases, that is exactly what happens. But sometimes, the story takes a different turn. Imagine a housing finance company that has issued thousands of home loans. Every month, borrowers across […]

Introduction Buying or selling a bond does not end when the trade is confirmed. The money must reach the seller and the securities must reach the buyer’s demat account. Settlement Risk refers to the possibility that this exchange does not happen as expected. In India, clearing corporations and regulated settlement systems help reduce this risk. […]

Every Indian household has a rainy-day asset that nobody plans to sell. Gold sits in a cupboard for decades, yet everyone in the family knows it can raise cash by evening. That quiet promise, more than the price of the metal, is why we trust it. At the Global Fintech Fest, Aditi Mittal, Co-founder of […]