When Riya from Indore slipped on a wet stair and landed in a hospital for a minor surgery, the billing counter looked scarier than the stitches. Her father held a small folder with policy papers and the staff simply swiped a card for cashless treatment. The family returned home without breaking their fixed deposit. That […]

When Asha from Pune got her first job, she split money between a mutual fund, a fixed deposit, and some gold jewellery her grandmother loved. She did not know the term, but she was already practicing asset allocation. It simply means deciding how much to put in different baskets like equity, debt, gold, and cash […]

On a warm evening in Indore, Arjun watched the chai stall close and told himself he wanted to stop working before grey hair showed up. He did not dream of yachts. He only wanted slow mornings with his son, time to coach the local cricket kids, and the freedom to say no to late office […]

How to make a monthly budget (Introduction) When Riya, a young pharmacist in Nagpur, looked at her bank app halfway through the month, the balance felt like a bucket with a leak. Rent had gone, electricity and internet were due, a cousin’s wedding had added a new sari expense, and a few late night food […]

EPF Form 5 is a simple monthly return used by an employer to tell the Employees’ Provident Fund Organisation (EPFO) about everyone who became an EPF member for the first time in the previous month. Think of it as a fresh-joiners list. When HR follows EPF Form 5 properly, the new employee’s UAN and PF […]

If you’ve spent any time reading about markets, you’ve probably come across the word carry. It sounds simple, but in finance, it carries a lot of weight. At its core, it’s about the cost or return from simply holding on to an investment. Let’s see what it really means in practice. What is Carry? So, […]

Every investor wants growth but hates the idea of sudden losses. That’s where the collar strategy comes in. It’s like putting boundaries around your money—one to stop losses and one to cap gains. Let’s look at the collar meaning in simple words and see why people use it. What Is a Collar? So, what is […]

Money runs on promises. When someone cannot keep up with those promises—like paying back a loan or honoring a contract—it’s called a Default. It sounds technical, but in reality, Default is simply about trust being broken in finance. And once trust is broken, the effects spread quickly. What Is a Default? People often ask: what […]

Markets never move in one direction for long. Sometimes your investments grow, and other times they slip. To handle this uncertainty, investors use hedging. It works like a safety net. A hedge does not remove risk completely, but it helps reduce losses when markets turn against you. What Is a Hedge? So, what is a […]