Think of a regular weekday. Someone taps at the metro gate, pays for breakfast at a café, settles a utility bill on an app, and sends a small transfer to a friend—no cash counted, no lines at the branch. The quiet helper in every scene is a debit card. It connects daily life to the […]

Introduction Let’s say you own a bakery. It’s doing well, and after paying for flour, staff, electricity and everything else, you’ve got some money left. Now the big question is – should you keep all that money in the business, or share some of it with your family who helped you build it? This decision […]

Introduction Look, money talks can get really confusing, and most of us just wing it and hope for the best. But financial planning? It’s really just sitting down and figuring out how to use your money so you don’t get stuck when life throws some surprises. Think about planning a wedding in your family. You […]

Introduction On a quiet evening in Bhopal, Sanjana arranged school fee receipts, rent slips, and her father’s pharmacy bills on the dining table. Income arrived on the first of every month, yet the numbers felt scattered. Her neighbour Kabir suggested a plain exercise. Write each goal, assign a date, and give every rupee a job. […]

A Flexi fixed deposit links a customer’s savings account to a fixed deposit so idle money doesn’t sit quietly. When the balance crosses a chosen limit, an auto sweep facility moves the extra amount into a deposit to earn FD-level returns. When funds are needed, the bank “sweeps in” just enough back to the account. […]

There’s a point in every investor’s journey when the thrill of chasing returns takes a back seat to one simple goal — earning a steady income without worrying about market swings. That’s exactly where Income Funds find their place. They don’t promise overnight growth or flashy numbers. Instead, they offer something far more valuable — […]

When a new IPO hits the market, the excitement is real. But did you know there’s a parallel market where shares change hands even before they’re officially listed? This unofficial and largely unregulated space is called the Grey Market. It’s where IPO shares are bought and sold before they become available to the public — […]

Every large capital decision—opening a new plant, launching an app, buying a rental property—boils down to “cash out today, cash in tomorrow.” Managers and investors need a clean way to compare such cash-flow patterns. IRR helps by converting those uneven numbers into a single yearly rate. The IRR full form in finance is Internal Rate […]

Introduction Ever put money into something and then watched it lose value overnight? Not because you did anything wrong, but because everything seemed to crash at once? That’s market risk. It’s not personal. It doesn’t care how smart you are or how carefully you picked your investment. It just shows up, uninvited, and messes things […]