Introduction Let’s be honest – most of us learned more about the Mughal Empire in school than we did about managing money. I mean, when was the last time knowing Akbar’s reign dates helped you decide between a fixed deposit and mutual funds? Yet here we are, adults trying to figure out taxes, loans, and […]

Let’s be honest — opening a savings account isn’t exactly exciting. But it’s one of the most important financial steps you’ll ever take. It’s where your salary comes in, where your money sits safely, and where your small savings quietly grow. In 2025, savings accounts are more flexible, more digital, and more tailored to your […]

Introduction Your mom just texted asking for rent money, your friend needs their pizza share, and you’re staring at your banking app wondering, “What the heck is an IFSC code?” We’ve ALL been there! Standing awkwardly while everyone waits for their money, frantically googling “what is IFSC code” and trying to look like you totally […]

Sector Funds Sector funds focus on a single slice of the economy—banking, pharma, IT, energy and so on. Because they concentrate bets, they can amplify both gains and losses versus diversified equity funds. Investors who want a targeted call on a theme often use sector funds as a small satellite holding around a broader core […]

Retirement in India has changed. Unlike your grandfather’s government pension, most seniors today struggle with rising costs of medicines and groceries. The government created special savings schemes for people over sixty – simple plans that work better than regular savings accounts. When Rajesh from Delhi retired, his bank manager suggested SCSS. Now he gets steady […]

When you finally bought your car, you probably thought the hardest part was done. You picked the model, bargained with the dealer, got the colour you wanted, and signed that loan agreement without thinking much about it. Months later, the monthly EMI reminder keeps buzzing on your phone, and you start wondering — “Am I […]

Introduction In Coimbatore, Kavya runs a small packaging unit that supplies boxes to food brands. One week, diesel prices rose, the rupee slipped, and her biggest buyer asked for more time to pay. She did not rush. She opened a simple risk plan she had prepared earlier, called a second transporter already approved, used a […]

Introduction Let me tell you a story. Last year, right before Diwali, my printing shop in Ahmedabad was buzzing. Orders were coming in faster than we could handle. Just when I thought business was at its peak, my main machine gave up on me. The repair guy didn’t even sugar-coat it — “Boss, this one’s […]

Picture this: You’re sitting at your kitchen table, calculator in hand, trying to figure out how much money you’ll need for your daughter’s college education or wedding. Sound familiar? If you’re like most Indian parents, you’ve probably heard about the Sukanya Samriddhi Yojana but aren’t sure if it’s worth the hype. Let me break it […]