For many Indian households, Kisan Vikas Patra (KVP) is the “set it and forget it” savings tool. Money is parked once, the government-notified rate does its quiet compounding in the background, and a single lump sum arrives on maturity. Because the return is locked at purchase, the KVP Interest Rate ends up driving most decisions—whether […]

Picture a vegetable vendor who starts her day before sunrise, a driver who knows every shortcut in the city, or a tailor who keeps neighbourhood weddings on schedule. They all earn, they all spend, and they all worry—quietly—about money after 60. Atal Pension Yojana (APY) speaks to that worry. It is small, regular saving now […]

For millions of Indian pensioners, proving that pension should continue every year used to mean long queues at banks and offices. A digital alternative now makes that ritual far simpler. The jeevan pramaan patra—often called the Digital Life Certificate—lets a pensioner confirm life status electronically so the pension flows without interruption. Instead of physical visits, […]

Owning property still signals success in India. Parents nudge, brokers persuade, and colleagues boast about “appreciation.” Yet, when the dust settles, property’s math often looks different from the dream. Between stamp duty, brokerage, repair costs, and years of EMIs, the real return can shrink quickly. Meanwhile, reits—listed trusts that own income-producing properties—offer a way to […]

Gilt funds sit in the safe corner of debt investing, holding only Government of India bonds. For a saver who wants quality first, they bring steadiness with market-linked movement. Think of them as the dependable half of a balanced fund, minus the equity swings. List of Gilt Mutual Funds What are Gilt Funds? Gilt funds […]

Think of a balanced fund like a thali. You get variety on one plate. Equity brings growth, debt brings steadiness, and together they keep you from overdoing any single flavour. For someone who wants a simple, middle-path plan, a balanced fund feels comfortable. List of Balanced Mutual Funds What are Balanced Funds? A balanced fund […]

In equity investing, the value style looks for strong businesses trading below their estimated worth. The approach is patient and research-heavy, very different from debt-oriented credit risk funds. The aim is to buy quality at a discount and let fundamentals do the work. List of Value Mutual Funds  Investors seeking a list of value funds […]

Credit risk funds sit within debt mutual funds and focus on bonds from lower-rated but promising companies. For investors who understand risk–reward trade-offs, credit risk funds can offer higher accrual than plain vanilla debt while remaining professionally managed. List of Credit Risk Mutual Funds What is a Credit Risk Mutual Fund? When readers ask what […]

An overnight fund is the simplest way for a saver to park money for a few days without leaving it idle. It invests only in securities that mature the next day, which keeps interest-rate swings and credit surprises very low. In India, this SEBI-defined category suits treasury teams, business owners, and individual investors who value […]