Introduction You know that small cut from your salary every month that goes into your PF? It may seem like it quietly disappears — but it’s actually building up to support you later in life. But what if you need that money now? Maybe there’s a medical emergency, your child got into college, or you’re […]

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 […]

Let’s be honest—most of us don’t really think about our EPF until we either change jobs, file taxes, or someone reminds us that it’s actually earning interest. If you’re here, you’re probably wondering: “Has the EPF interest been credited for 2025?” “What’s the current rate?” “And is there an easy way to check how much interest I’ve earned?” […]

If you’re a salaried employee, chances are you’re contributing to your EPF every month. It’s one of those things that quietly works in the background — deducted from your salary, matched by your employer, and slowly building up into a savings pool for your future. But here’s the thing: most of us don’t really pay […]

Many investors want growth without the roller-coaster of pure equity. That is where equity savings funds step in. For anyone still asking what is equity savings fund, think of a three-engine vehicle: a little unhedged equity for upside, a hedged (arbitrage) part to steady the ride, and a debt sleeve for regular accruals. Together, they […]

Ravi always heard about “trading” in the news but thought it was only for people in fancy suits. One day, his cousin showed him how he bought a bond online in less than five minutes. “Wait… that’s it?” Ravi asked, surprised. That’s when he realized: online trading isn’t complicated — it’s for everyone. Understanding Online […]

In most Indian homes, gold isn’t just jewellery—it’s emotion. It’s what we gift at weddings, what we buy during festivals, what we hold on to “just in case.” It’s shiny, yes—but it also feels safe. But if you’ve been following gold prices even a little, you’ll notice one thing: they’re always moving. Up, down, up […]

Remember when you were a kid and traded Pokemon cards? You’d swap a rare Charizard for three holographic cards, always hoping to get something more valuable. Well, financial securities work pretty much the same way – except instead of cartoon monsters, you’re trading pieces of real companies, government promises, and other valuable stuff that can […]

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 […]