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 […]

When you think about owning a credit card, one of the first things that might come to mind is – “How much will it cost me every year?” Annual fees can feel like an unnecessary burden, especially if you’re not using your card frequently. That’s where lifetime free credit cards come in — offering the […]

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 […]

In debt markets, low duration funds sit in a comfortable middle—more stable than long-term bond funds yet aiming for better returns than liquid funds. They normally hold debt securities whose interest-rate sensitivity is limited, helping reduce day-to-day volatility. For a saver who wants capital preservation with modest growth, low duration funds can act as the […]

Introduction Picture Meera from Pune. Salary comes on the last day of the month; on the 10th she wonders where it went—rent, Zomato, UPI sprees, small EMIs. When she paused and practised money management, things changed. This blog keeps that same spirit: simple, Indian, and practical. It shares money management tips anyone can follow at […]

Mortgage vs Home Equity Loan: What’s the Difference? Let’s be honest – the words mortgage and home equity loan sound like they belong in some complicated bank manual. But in real life, it’s much simpler. Think of it like this: both involve your house and money, but the reason you’re taking the money – and […]

If you’re like most Indians, you’ve probably heard your parents or grandparents mention NSC at some point. Maybe they invested in it decades ago, or perhaps your neighbor keeps talking about how safe it is. But here’s the thing – with all the investment options available today, is the National Savings Certificate interest rate still […]

Not everyone wants to invest in the stock market or chase high returns with high risks. Some of us just want a safe place to park our money, earn a bit of interest, and save on taxes while we’re at it. If that sounds like you, then the National Savings Certificate (NSC) might be exactly […]

An overdraft account lets a customer spend beyond the balance in a linked bank account, up to a pre-approved limit. It behaves like a ready credit line for short cash gaps—salary delays, supplier payments, medical bills, or seasonal working capital. When used with discipline, an overdraft account helps maintain cash flow without applying for a […]