Introduction If you’ve ever looked at your salary slip and wondered, “Wait, why is my take-home less than my CTC?” — chances are, a part of it went into your Employees’ Provident Fund (EPF). Think of EPF as a money jar you’re not allowed to open right now. You put some money in every month, your […]

Introduction One Sunday morning, my uncle was happily polishing his scooter when the postman handed him a thick brown envelope. He opened it, read for a few seconds, and his face changed colour. It wasn’t a wedding invitation. It was a notice from the Income Tax Department. “Beta, pata nahi yeh 1961 ka law kaise […]

Starting your first job feels exciting, doesn’t it? But then someone mentions UAN, and suddenly you’re confused. Don’t worry – we’ve all been there. This guide will walk you through everything about UAN without making your head spin. What is UAN and Why Should You Care? Let’s be honest – UAN sounds like another government […]

Introduction It was a Sunday morning in Pune. Anil sat at the dining table, sipping chai, while his wife Meera flipped through school admission forms for their son. The fees were… well, let’s just say his chai suddenly didn’t taste as sweet. He opened his bank app and saw some savings. Not bad. But Meera’s words […]

One Sunday afternoon, I was at a chai stall in Lucknow when an old school friend, Rajesh, joined me. He looked stressed. Over sips of chai, he said, “Yaar, I thought I was paying just 9% on my shop loan, but now it feels like I’m paying for two shops!” That’s when I told him […]

Introduction Every Indian business, big or small, survives on clean money habits. Financial management is the simple system that keeps cash coming in, bills going out, and plans moving forward. When the system works, teams focus on customers instead of money panic. What is Financial Management? People often ask, what is financial management in plain […]

Introduction Money decisions look simple until forms, taxes, and market noise pile up. A person who wants calm can hire a certified financial advisor to turn scattered savings into a working plan. In India this guide is trained to match goals with the right mix of products and to keep emotions steady when markets jump. […]

Introduction Both investment banking and wealth management work with money, but they serve different needs. One serves companies that want to raise big amounts or buy and sell businesses. The other serves people and families who want steady growth, safety, and a plan for life goals. Knowing the difference saves time and helps anyone reach […]

When Kavya left her job in Pune to build a plant based snack brand, two kinds of money knocked on her door. One friendly team from a venture fund wanted to invest a small amount now and help her test flavors in Mumbai and Bengaluru. A year later, after her snacks were on shelves in […]