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 […]

This is a story that repeats every few years. Only the headline changes. Ananya, a 34-year-old product manager in Pune, had never opened a bond yield chart before a week in September 2026. Then a headline stopped her mid-scroll: the US 10-year Treasury yield had touched levels last seen in 2007. She held no US […]

Introduction Meera applied for a Demat account on a Tuesday evening and expected to be investing by Thursday. Her bank statement was four months old, and the DP wanted one no older than three, so she resubmitted, waited another two days, and lost the week. Nothing about her application was wrong. It was just slightly […]

Bonds are fixed income instruments whereby the issuer borrows money from the investor and pays interest on the loan until maturity where the entire amount is repaid. India’s bond market plays a crucial role in channeling funds and facilitating investment opportunities in the entire economy of the country. As of 30th June 2026, the total […]

The government securities (G-Secs) market stands as a crucial pillar of the country’s financial system, playing a pivotal role in raising funds to finance government expenditures and maintaining economic stability. With its vast scope and multifaceted nature, comprehending the intricacies of this market is paramount for investors and financial enthusiasts. The Indian bond market is […]

Introduction The Indian bond market is a critical component of the nation’s financial ecosystem. This substantial market size not only highlights the maturity and depth of India’s debt instruments but also underscores the potential for future growth. In the context of global financial landscapes, where the world’s bond market stands at a staggering US$145 trillion, […]

Rahul trades F&O in India, and his ₹5,00,000 always sits in a trading account. His overnight positions need cash margin, so the money stays put. He never gave it a second thought. Eventually he did the arithmetic. At 7%, that ₹5,00,000 could have earned about ₹35,000 a year. Two years of it comes to roughly […]