You might be thinking, I have some cash to deposit but how do I do it without attracting a tax notice? Many salaried individuals, freelancers, or small business owners in India face this concern. Cash transactions are closely monitored, especially if the amounts are high. Understanding the rules around PAN, SFT, and Section 269ST is … Read more
UPI has made payments quick and effortless in India, but studies show it also fuels overspending. Instant payments, cashbacks, and auto-debits often push us to spend more than we realize. Here’s why it happens and simple budgeting hacks to stay in control Introduction Think about the last time you ordered chai from your local tapri, … Read more
You might be wondering everyone talks about mutual funds and stocks, so why does EPF still matter? Let me tell you about Ravi, a 40-year-old marketing professional in Pune. For years he barely noticed the small monthly deduction on his salary slip. Fifteen years on, that “forgotten” amount became a tidy chunk he used to … Read more
Confused between EPF, PPF, and NPS? Here’s a simple guide with real-life Indian examples to help you choose the right retirement plan for your future Introduction When Suresh, a 40-year-old Banking professional in Mumbai, sat down with his wife to discuss their retirement plans, he felt overwhelmed. Like most salaried Indians, Suresh contributes to his … Read more
Wondering which insurance policies you actually need? Here are 4 must-have insurance covers every Indian salaried employee, family, and business owner should consider. If you’ve grown up in an Indian household, you’ve probably heard your parents say, “Beta, insurance le lena, zaroori hai”. But when you step into adulthood and start earning, you quickly realize … Read more
Learn how salaried employees, business owners, and middle-class families in India can create a 3-layer emergency fund strategy for financial security and peace of mind. If the past few years have shown us anything, it’s that life doesn’t always stick to the plan. One moment everything’s fine, and the next bam! you’re hit with a … Read more
Investment Calculators – SIP, Lumpsum & PPF Investment Calculators Plan your financial future with SIP, Lumpsum & PPF calculators ₹5,000 Monthly SIP Calculator Monthly SIP Amount (₹) Expected Annual Return (%) Investment Period (Years) Calculate SIP Returns Your SIP Investment Results Total Investment: ₹0 Total Returns: ₹0 Maturity Amount: ₹0 ₹1,00,000 Yearly Lumpsum Calculator Yearly … Read more
You might be wondering — “Where should I park my hard-earned money?” You’re not alone. In every Indian household, there’s that chai-time debate: PPF, FD or Mutual Fund, what’s better? Let’s break it down with real-life examples, so you can make a smarter decision based on your goals, risk appetite, and time horizon. Meet Ram: … Read more
