Let’s face it — banks may look all fancy with their tall buildings and shiny apps, but behind the scenes? It’s chaos if things aren’t managed well. One wrong click, one broken process, or one angry hacker — and boom, things can go south really fast. That’s where operational risk kicks in. It’s not the […]

The Basics Of Financing A Business (Introduction) Arjun had a tiny workshop in Kanpur that stitched leather wallets. Orders were growing, but every evening he faced the same puzzle: there was fabric to buy, one more sewing machine to add, a helper to pay—and cash was never steady. His CA, Nisha, called it the missing […]

Introduction Let me tell you something my father once said over a cup of tea — “Beta, paisa bank mein soya toh mehnga ho jaata hai.” At that time, I laughed, but he was right. Take this example: Last year, my friend Meena saved up to buy a scooter for ₹1,00,000. She thought she’d wait […]

When my uncle retired, we all thought it would be his “happy freedom” phase. No office, no deadlines, no morning rush. But a few months in, he started avoiding conversations about money. One day, he admitted quietly, “Beta, I thought my savings would last… but I didn’t plan for how fast expenses grow.” That hit […]

Introduction Ever tried applying for a loan or a new credit card, only to wonder what role your credit score really plays? Turns out, it matters — a lot. Whether it’s buying a home or getting access to credit on better terms, that three-digit score can open doors or close them. If questions like how […]

Introduction Let’s be honest—when you hear “building wealth through stocks,” you might picture suited Wall Street types with fancy degrees and trust funds. But here’s the truth: some of the wealthiest people I know started with nothing more than their first paycheck and a burning desire to never worry about money again. My neighbor Sarah? […]

Introduction We got it. Investing sounds scary and complicated. Everyone talks about portfolios and asset allocation like you’re supposed to already know what that means. Well, I’m here to explain it like you’re five years old, because honestly, that’s how I learned too. Picture this: you have a big jar where you keep your money. […]

If you’ve recently opened your property tax bill and felt like the amount couldn’t possibly be right—you’re not overreacting. You’re just a regular Mumbaikar dealing with something that’s become far too common lately. The property tax hike in Mumbai has caught many people off guard. For some, it’s doubled. For others, it feels completely random. […]

In most Indian businesses, the GST registration certificate sits in the same folder as the PAN, bank cancelled cheque, and address proof—it is the document buyers ask for first. When a marketplace onboards a new seller or a PSU floats a tender, the operations team usually swings into action for gst certificate download so the […]