Articles

In India, access to credit has expanded significantly.

Most people reach this dilemma at the same moment: the EMI is running smoothly, income has stabilised, and there is a little extra money left every month.

India’s latest official data shows retail inflation (CPI, combined) at 1.33% year-on-year for December 2025, up from 0.71% in November 2025

Mobile numbers in the PAN–Aadhaar ecosystem have become a key access point.

This article is for general information/education and is not investment advice.

Buying a property has long been a major financial decision and investment.

March-end tax planning works best when it is treated as a compliance exercise, not a last-minute buying exercise.

This article is for general information/education and is not investment advice. 

Investing in mutual funds often feels complicated - when to invest, how much to invest, and whether the market is “right.” A Systematic Investment Plan (SIP) simplifies all of this.

India’s mutual fund industry has seen sustained growth, driven largely by rising retail participation.

Investing often feels complex when you’re starting out. 

Taking a home loan is primarily a long-term ownership decision.

Filing an income tax return is usually smooth when three parts match.

March is when money decisions start happening. 

For regular taxpayers, the first tax shock usually leads to routine planning.

Gratuity is a lump-sum benefit paid by employers to employees as a reward for long-term service.

Microcredit is essentially one financial product, a small loan.

If you’ve ever opened your banking app and spotted a “non-maintenance charges” debit (often with GST added), you’re not alone.

If you’ve ever opened a bank account, bought insurance, or invested in a mutual fund, you’ve probably had to fill out a KYC form — often more than once.

Long before mutual funds and stock tickers became part of everyday conversation, gold had already earned its place as India’s most trusted form of wealth. 

Paying tax often feels like giving away a part of your hard work.

Loan repayment is not only about affordability.

When several loans run together, due dates overlap and repayment cycles may differ. 

Land ownership is one of the most valuable assets for individuals and families in Tamil Nadu. 

Accidentally sending money to the wrong person can feel like a heart-drop moment. 

When people save or invest money with a bank, they usually focus on one number, the interest rate. 

Buying a property is one of the biggest financial decisions most people make.

Buying your first home? Congratulations – it’s a big milestone! But amidst the excitement, there’s one decision that often confuses new buyers: What Pre-EMI or Full EMI on my home loan? If these terms sound like banking jargon, don’t worry – you’re not alone.

When users compare financial products, they usually look at just one parameter - the interest rate.

Home evolves with time.

Gold loans are one of the fastest and most practical ways to access short-term funds, whether it’s for medical needs, business working capital, education fees, or urgent home expenses.

The PFRDA has amended the “Exits and Withdrawals” rules for the National Pension System.

A Basic Savings Bank Deposit (BSBD) Account is a savings account intended to provide affordable banking access.

Buying a home or investing in a property in Delhi is not just an emotional decision—it is a long-term financial commitment.

The real estate landscape in Uttar Pradesh has transformed significantly since the introduction of the Real Estate (Regulation and Development) Act, 2016. With this, the Uttar Pradesh Real Estate Regulatory Authority (UP-RERA) was established to protect homebuyers, ensure transparency, regulate developers and agents, and bring accountability to every real estate transaction.

When you sell long-term investments, such as shares, mutual funds, gold, or land, the resulting profits are classified as long-term capital gains (LTCG).

The Telangana real estate sector has grown rapidly over the past decade, increasing the need for transparency, regulation, and accountability.

Almost every land-related process in Karnataka begins with one document: RTC (Record of Rights, Tenancy and Crops), also known as Pahani.

Buying a property in Rajasthan involves more than selecting the right location or negotiating the price.

Buying property in Tamil Nadu can be taxing.

If you shop online, pay on apps, or keep your card “saved” on your favourite platforms, RBI’s card tokenisation rules are the reason your card experience looks different today than it did a few years ago.

Accessing UP land records has always been complicated and time-consuming.

Buying a home in West Bengal involves more than just negotiating the property price.

The Haryana Real Estate Regulatory Authority (Haryana RERA) was established to bring transparency, accountability, and protection to the state’s property market.

Land ownership verification in Rajasthan has become much easier with the digitisation of land records under the Apna Khata Rajasthan portal.

In most Indian homes, the bank passbook used to be a permanent fixture, tucked into a plastic cover, carried carefully to the branch, updated by a printer, and then filed away again.

Buying land or verifying property ownership in India has always been a complex process.

Land records are some of the most important documents an individual or business interacts with.

Buying property in Kolkata? Beyond the builder’s quote or resale price, any new property also needs a budget for stamp duty and registration fees

Buying property in Telangana today means dealing with more than just a sale price.

Borrowing has become an essential part of modern financial planning. People take loans for business expansion, home construction, education, personal needs, and working capital.

Buying property in Kerala comes with a very specific set of government charges.

Stamp duty and registration charges form one of the most important cost layers in any property transaction in any state.

When buying a home, each state has its own set of rules and Gujarat is no exception. 

Buying property in Chennai, whether it’s a 1BHK apartment in Anna Nagar or a villa in ECR, doesn’t end with just the sale price.

The Digital Personal Data Protection (DPDP) Act, 2023 is India’s first comprehensive digital privacy law.

In any state every property purchase is marked by an important legal ritual: paying the stamp duty and registration fee.

Buying property in Mumbai is a significant financial milestone and a complex legal transaction that demands precision.

Every home, plot, or building purchased in the state whether in the bustling centre of Pune or the quiet periphery of Chandrapur must pass through two official gates before the buyer becomes its lawful owner: stamp duty and registration.

Financial frauds have become increasingly common, especially in the age of online banking, mobile loan apps, digital investment platforms, and quick-profit schemes shared through social media.

Stamp duty is a mandatory tax paid to the Delhi government when a property is purchased or transferred.

Stamp duty is a state-imposed tax collected at the time of transferring ownership of property from one person to another.

Buying a home is a dream for many, but it comes with its share of taxes and paperwork.

Occupancy Certificate (OC) is a critical document certifying that a new building is safe and legal to occupy.

The Reserve Bank of India (RBI), with the introduction of new Expected Credit Loss (ECL) norms, is aiming further to modernize the country’s banking framework.

Many taxpayers assume that simply filing their returns on time keeps them off the radar of the Income Tax Department. The reality, however, is more complex.

For decades, a pension meant a fixed monthly income, guaranteed by the government or employer

From November 1, 2025, new nomination rules under India’s banking law will come into effect. 

Investing abroad was once considered a simple diversification move.

For generations, Indians have valued saving as much as earning.

Every Dhanteras, millions of Indians bring home gold and silver to mark the arrival of prosperity.

The Employees’ Provident Fund Organisation (EPFO) has approved a wide set of reforms aimed at simplifying withdrawals, reducing employer penalties, and digitizing pension services.

Many taxpayers in India are eagerly awaiting their income tax refunds for the 2025 assessment year, only to encounter unexpected delays.

UPI has already changed the way India pays, instant, secure, and accessible to everyone with a smartphone.

India's Goods and Services Tax (GST), introduced in 2017, is a significant indirect tax reform.

The Reserve Bank of India has released a fresh set of directions that define how digital payments in India are verified. RBI released a circular on 25 September 2025, Titled the Authentication Mechanisms for Digital Payment Transactions Directions, 2025.

The Central Board of Direct Taxes (CBDT) has extended the due date for furnishing tax audit reports for FY 2024–25 (AY 2025–26).

A cancelled cheque may look like a normal piece of paper with two lines and the word “Cancelled” written across it.

India’s Unified Payments Interface (UPI) moves billions of transactions worth trillions of rupees every month, but the heart of that growth lies in everyday micro-payments—the ₹20 chai, the ₹80 auto fare, the ₹150 grocery run.

A failed UPI payment can be unnerving, especially when the amount gets debited but doesn’t reach the receiver.

According to the Reserve Bank of India (RBI), reported digital banking fraud cases in the financial sector rose from 13,564 in FY23 to 36,075 in FY24—an increase of more than 165% (RBI Annual Report 2023–24). 

Land ownership disputes and fraudulent sales remain some of the biggest hurdles for property buyers in India. 

In December 2025, decided to cut the repo rate by 25 basis points that brought the benchmark down to 5.25%.

UPI is India’s crown jewel in digital finance. In June 2025 alone, it clocked over 18.39 billion transactions worth ₹24.03 lakh crore in payments. But here’s the surprise: a large chunk of Indians still struggle to use UPI because they don’t have a stable internet or even smartphones.

The Government of India is working on simplifying Aadhaar updates through a new mobile application being developed by the Unique Identification Authority of India (UIDAI).

For senior citizens, managing finances should be simple, stress-free, and secure.

India’s Goods and Services Tax (GST) regime has just undergone one of its most impactful revisions, popularly dubbed GST 2.0, and it’s set to take effect on September 22, 2025.

September 16, 2025, was the due date for filing Income Tax Returns (ITR) for individuals not required to undergo an audit. 

Dussehra is remembered as a victory of what’s steady and principled over what’s chaotic and impulsive.

The Indian Cybercrime Coordination Centre (I4C), a wing of the Ministry of Home Affairs, issued a strong warning to mobile users about the rapid increase in eSIM fraud in India.

Linking your Permanent Account Number (PAN) with your Aadhaar is no longer just a best practice.

India’s tax season is in its final stretch.

With just a few days left before the 15 September 2025 deadline for filing Income Tax Returns (ITRs) for Assessment Year (AY) 2025-26, many taxpayers are rushing to submit their forms online.

India’s Goods and Services Tax (GST) system has entered a new era with the rollout of GST 2.0, effective from September 22, 2025.

India’s love for QR code payments has made transactions lightning-fast, but also opened a new front for cybercriminals.

Digital banking in India has transformed the way we manage money.

India’s indirect tax system is entering a landmark new phase. 

Banks run on trust — but trust alone cannot guarantee stability. A sudden surge in bad loans or a market shock can quickly weaken even the largest institutions. 

The Income Tax Department extended the ITR filing deadline for FY 2024–25 to September 15, 2025, giving taxpayers a second chance after the original due date lapsed.

The Union Budget 2025 introduced a major income tax relief for the middle class – making annual incomes up to ₹12 lakh completely tax-free* under the new regime.

Picture this. You’re sipping your evening tea when your phone rings.

In June 2025, the Reserve Bank of India (RBI) introduced a significant relaxation for gold loan borrowers: the maximum Loan-to-Value (LTV) ratio for loans below ₹2.5 lakh was raised to 85%, up from the long-standing cap of 75%. Loans between ₹2.5 lakh and ₹5 lakh can now go up to 80%, while loans above ₹5 lakh continue under the 75% ceiling.

Every month, millions of Indians wait for the familiar debit alert, an EMI deducted from their account.

For many taxpayers, there’s a unique sense of relief when a tax refund arrives.

For most of us, a credit score feels like a silent judge sitting in the background of our financial lives. 

Banking feels simple on the surface; deposit money, withdraw when needed, pay bills, or transfer funds.

Every day, millions of Indians walk into their banks to deposit cash, sometimes a few thousand rupees, sometimes several lakhs.

Less than three weeks remain before the September 15 deadline to update income tax returns.

In the fast-paced world of business, having the right bank account can be a game-changer.

Imagine receiving a video call from someone in uniform, flashing a government ID, and telling you that a parcel in your name has been caught carrying drugs or illegal documents.

On 6 August 2025, The Reserve Bank of India unanimously decided to pause its repo rate at 5.50%.

Despite MSMEs critical role in the economy, they often face a daunting challenge—access to timely and suitable credit.

India has created a completely new form of money, and it’s not a cryptocurrency.

On August 11, 2025, the Lok Sabha approved the Income‑Tax (No. 2) Bill, 2025, setting in motion the most sweeping overhaul of India’s direct tax law in more than six decades. 

Explore 5 smart financial planning tips for first-time earners.

Let’s be honest; most of us don’t really use our savings accounts to its full potential.

Saving money sounds easy, until you try to do it every month. Life keeps throwing expenses at you, and before you know it, the idea of saving becomes a “next month” plan.

At first glance, all loans may look the same. They provide money when you need it and expect repayment with interest.

India’s economic future doesn’t lie only in its cities or industries—it also flows through its rivers, lakes, and coastline.

Starting August 1, 2025, major updates to UPI (Unified Payments Interface) usage rules will come into effect across all apps and banks.

Savings accounts have long been seen as the safest place to keep money you’re not using, right away. 

Most people think opening a bank account is a one-time task.

For decades, gold might have sat quietly in your lockers—passed down through generations, worn on special occasions, and kept aside “just in case.” Today, that “just in case” is being redefined.

Starting your own business can be exciting.

Running an e-commerce business in India with a population that tops the world, comes with heavy decisions.

Imagine if the money sitting idle in your current account could start earning interest without you having to lift a finger.

Any business must set up an effective system for receiving and monitoring payments.

The majority population of India has shifted to digital payments.

The Real Estate (Regulation and Development) Act, 2016 (RERA) was enacted to bring accountability and transparency to India’s real estate sector. 

Overconfidence is a well-documented behavioural bias in finance – often described as an “illusion of control” where investors overestimate their ability to predict or influence market outcomes.

Starting your first job or gig is an exciting milestone. With your first earnings or salary in hand, one of the biggest questions is: "Where should I keep my money?"

Filing your Income Tax Return (ITR) for the financial year 2024-25 (Assessment Year 2025-26) requires careful attention to detail. 

Filing your income tax return in India requires using the correct ITR form.

Gold jewellery holds a special place in Indian culture, often bought during festivals and family celebrations.

Linking your mobile number with Aadhaar is essential if you want to access Aadhaar-based services like e-KYC and Video KYC for bank accounts, OTP verification, filing taxes, e-Aadhaar downloads, and biometric authentication. Without a registered mobile number, you can't use any online Aadhaar services.

A home loan is a long-term financial commitment often spanning between 10 to 20 years, or even more.

In today’s uncertain economic climate, conservative and low-risk investment options continue to dominate the choices of Indian savers.

We often treat money like a race — chasing returns, tracking trends, comparing who’s earning more from what.

When you file your income tax return in India, you must choose the right ITR form. Two common forms for small taxpayers are ITR-1 (Sahaj) and ITR-4 (Sugam).

Life doesn’t come with a warning. Whether it’s a sudden medical bill, your child’s higher education, or long-overdue home renovations, unexpected expenses can put anyone under emotional and financial pressure.

Do your payslips often confuse you? Wondering why a part of your hard-earned income disappears every month or how some people seem to “save taxes” legally?

If you're an NRI investing in Indian start-ups or private companies, chances are you've paid more tax than you should have. Not because you made too much money, but because of how the rupee behaves.

If you earn interest from bank deposits, bonds, or other sources, banks will deduct TDS (tax deducted at source) once your interest crosses a threshold. 

The interest rate landscape in India is changing. The Reserve Bank of India (RBI) recently reduced the repo rate to 5.25%, its fourth rate cut this year.

Every year, families across India file their income tax returns often under individual names, sometimes missing out on a hidden advantage already built into the system - The Hindu Undivided Family (HUF). 

The National Pension System (NPS) is a government-backed retirement savings scheme that lets you build a pension corpus during your working years. One of its biggest attractions is the tax savings it offers on contributions.

Running a small business means handling cash and bank transactions carefully. In India, any large cash withdrawal from a business current account can trigger TDS (Tax Deducted at Source) under Section 194N of the Income Tax Act. These rules are designed to curb black money and promote digital transactions.

You may wonder why a business might want more than one current account. In practice, having multiple accounts can help with cash-flow management and organization. For example, one account might be used for receiving payments, another for payroll, or separate accounts for different divisions or projects.

Before applying for a home loan, it’s important to know exactly how much you’ll be paying each month, and that’s why you need to calculate home loan EMI beforehand to know exactly how much you are being committed to.

In June 2025, the Reserve Bank of India (RBI) announced a major overhaul of its KYC (Know Your Customer) norms. Under the new guidelines, banks must simplify periodic KYC compliance so that customers – especially those in rural or underserved areas – can easily access their own funds.

If you’re expecting a tax refund this year, here’s some good news, you might receive more than you originally anticipated. Thanks to the Income Tax Return (ITR) deadline extension for the assessment year 2024–25, the interest component on your tax refund could be higher than usual.

You might be sipping your morning coffee, scrolling through your inbox, and suddenly—an email from the Income Tax Department pops up.

Tax Deducted at Source (TDS) might seem like just another compliance box to check—but TDS for start-ups and agro-businesses, can have far-reaching consequences.

If you're someone who earns interest from fixed deposits (FDs) but your total income is below the taxable limit, there's a good chance you're losing money unnecessarily to TDS.

If you’re among the many taxpayers in India preparing to file your Income Tax Return (ITR), there’s some good news: the ITR deadline has been officially extended.

Income Tax Return – 1 (ITR-1), also known as Sahaj (meaning "easy" in Hindi), is the simplest income tax return form for individual taxpayers in India.

Buying a home is often a family decision, and financially, it can be a big one. To make it easier, many people apply for a joint home loan by adding a co-applicant.

At Ujjivan Small Finance Bank, we believe your loyalty deserves to be rewarded. That's why we've created Ujjivan Rewardz, a loyalty program that adds value to your everyday banking. 

The Reserve Bank of India (RBI) has recently cut the repo rate by 25 basis points, bringing it down to 5.25% (data as on December 2025). 

Managing cash deposits is a crucial aspect of business banking. Different types of current accounts come with varying limits on free cash deposits and associated charges.

Mr. X, a 32-year-old IT professional in Pune, finally decided to buy his dream 2BHK flat. After months of site visits, he zeroed in on a ₹75 lakh apartment and got a home loan of ₹50 lakhs for 20 years at an interest rate of 8% p.a. He decided to make a down payment of the remaining ₹25 lakh from his own pocket.

Fixed deposits are among the most trusted investment options in India. They offer safety, steady returns, and are easy to understand. 

A home loan is a long-term commitment, and over time, your financial needs or market conditions may change.

If you’re planning to apply for a gold loan, there are some important changes on the horizon. 

As of 2025, India boasts over 2.5 billion bank accounts – a testament to widespread banking access.

In today's dynamic business environment, selecting the appropriate current account is important for efficient financial management.

Think you must have a savings account before opening a Fixed Deposit (FD)?

Buying a home is one of the biggest financial milestones in life. For most Indians, this dream is realised through a home loan, which helps spread the cost of the property over several years. 

As of September 30, 2024, total outstanding individual housing loans stood at ₹33.53 lakh crore (₹33.53 trillion), marking a 14 % YoY increase amid a post‑pandemic housing boom.

Did you know nearly 40% of home loan borrowers in India prefer prepaying their loans partially or fully within the first 10 years to save on interest costs? With rising financial awareness and better income visibility, prepaying a housing loan has become a go-to strategy for faster debt freedom.

If you frequently use your debit card at ATMs—whether for cash withdrawals or balance inquiries—it is important to be aware of recent ATM withdrawal charges and regulatory changes. 

Buying a home is one of the biggest financial decisions most people make in their lifetime. While shortlisting properties and budgeting are crucial steps, securing a home loan is often the key that unlocks the dream of homeownership.

For first-time homebuyers, the process of purchasing a home can be overwhelming due to increasing property prices and complex loan eligibility requirements.

As of 2024, India has over 2.2 billion bank accounts, a testament to the country’s rapid financial inclusion and evolving banking habits. 

When the equity markets tumble, crypto takes a nosedive, and even gold shows inconsistent trends, Indian investors often turn to one of the most traditional instruments: Fixed Deposits (FDs). 

As of early 2025, India has over 10 crore active current accounts, with digital current accounts alone witnessing a 42% year-on-year growth—driven by small businesses, freelancers, and start-ups.

In India, more than 79% of loan approvals are granted to individuals with a credit score of 750 or above, according to CIBIL’s – one of the largest credit bureaus responsible for collecting and maintaining credit-related data of individuals and businesses - latest insights.

India's economic landscape in 2025 presents both opportunities and challenges for businesses. The country's current account deficit (CAD) stood at $11.5 billion, or 1.1% of GDP, in the third quarter of fiscal year 2024-25, reflecting a manageable economic environment.

In today's rapidly digitizing world, Know Your Customer (KYC) has become more than a regulatory formality — it’s the foundation of trust between institutions and users.

Akshaya Tritiya, often hailed as one of the most auspicious days in the Hindu calendar, symbolises unending prosperity, success, and growth.

The RBI’s Monetary Policy Committee cut the repo rate by 50 basis points to 5.50% in its June 2025 meeting, marking the second consecutive reduction within six weeks to support growth amid benign inflation.

The Reserve Bank of India (RBI) has taken a significant step towards financial empowerment of minors by issuing a fresh set of guidelines on the opening and operation of deposit accounts by children.

In the fast-evolving world of Indian business, having a reliable current account is more than just a financial necessity—it’s a strategic asset.

The beginning of a new financial year isn’t just about filing taxes or revisiting your investment strategy—it's also the perfect time to re-evaluate where you park your money.

In April 2025, following the Reserve Bank of India’s (RBI) repo rate cut to 5.50%, several major banks have reduced interest rates on savings accounts.

Buying a home is one of the biggest dreams for most of us. But with rising property prices, it's not always possible to pay the full amount upfront. That’s where a home loan in India becomes a helpful option.

The Indian financial landscape in early 2025 has been quite unpredictable. According to Reuters, equity mutual fund inflows slumped to an 11-month low in March 2025 due to growing concerns around sectoral imbalances and global uncertainties. 

In the world of personal finance, owning a home is often seen as the pinnacle of financial stability.

As Telangana continues its rapid urbanisation journey, two key housing entities—Telangana Housing Board (THB) and Kukatpally Housing Board Colony (KPHB)—have played critical roles in shaping the state's real estate ecosystem.

Imagine you're planning to apply for a home loan, a credit card, or even a car loan. Naturally, you want to ensure your CIBIL score is in good shape before proceeding.

Real estate investment is often a top priority for Non-Resident Indians (NRIs) looking to retain strong financial ties to India.

Your CIBIL score is like your financial reputation—banks check it before approving loans or credit cards. If your score is hovering around 600, you might face difficulties in securing credit or may get loans with higher interest rates.

Imagine waking up one day to find that your hard-earned money is locked away and inaccessible. Sounds stressful, right? This is precisely what happens when you leave your Savings Account inactive for too long. 

The Pension Fund Regulatory and Development Authority (PFRDA) has announced the Unified Pension Scheme (UPS) will be operational from April 1, 2025.

Your CIBIL report is like a financial passport that determines your credibility as a borrower. Whether you’re applying for a home loan, personal loan, or even a credit card, lenders will carefully review your CIBIL report before making a decision. 

Imagine this: Ravi, a young IT professional in Bangalore, has just booked his dream home. While planning his finances, he hears about tax benefits under Section 80EE and Section 80EEA but is confused about which one applies to him. 

That magical moment has arrived—you’ve received your first salary! It’s not just money; it’s your hard-earned reward for months (or years) of effort, learning, and persistence. 

Understanding taxation is crucial for every individual and business in India. Two of the most common terms that taxpayers come across are Income Tax and Tax Deducted at Source (TDS). 

Securing a business loan often involves pledging assets to assure the lender of repayment. These assets can be categorized as primary or collateral security, each serving a unique purpose in the lending process.

Rohan, a young professional, is looking for a safe place to park his savings. He wants guaranteed returns but is torn between two options—Term Deposits (TDs) and Fixed Deposits (FDs). 

Savings Accounts are the cornerstone of personal finance, offering a secure place to store funds while earning interest. However, many account holders remain unaware of the tax implications associated with the interest earned on these accounts. 

Rohit and Karan, both in their early 30s, were excited about buying their first homes. They had stable jobs and were ready to apply for a home loan. 

India's digital payments landscape is experiencing unprecedented growth. Statista projections indicate that the mobile payments market is set to reach ₹245 trillion by the financial year 2025, a substantial increase from ₹80 billion in 2015.

Digital Payments Awareness Week is here, and there’s no better time to talk about why going cashless is a game-changer!

The Maharashtra Housing and Area Development Authority (MHADA) plays a pivotal role in providing affordable housing to various income groups in Maharashtra.

You’re digging through an old drawer and stumble upon a bank passbook you haven’t used in years. Excited, you rush to check your balance, only to find out—your account is dormant! Now, instead of accessing your money freely, you’re stuck in a loop of paperwork and verification.

Gone are the days when opening a Fixed Deposit (FD) meant long queues, endless paperwork, and frequent bank visits. In today's fast-paced digital world, banking has evolved, making financial investments simpler and more rewarding.

In an era where convenience is king, digital banking is revolutionizing the way we manage our money. 

Have you ever transferred money online and wondered why banks ask you to add a ‘beneficiary’? Or have you seen the term ‘beneficiary’ while setting up financial accounts? Understanding this concept is essential for secure and seamless banking transactions.

Most Indians start their financial journey with a savings account, while a salary account often marks the beginning of their professional life.

Closing a home loan feels like a major achievement. It signifies the end of years of commitment and the beginning of a debt-free life.

The Union Budget 2025 has brought in significant changes to the Tax Deducted at Source (TDS) rules, offering much-needed financial relief to taxpayers across various categories.

A Settlement Deed is a legal document used to distribute property among family members or beneficiaries amicably.

Did you know that despite making up nearly 48% of India’s population, women account for only 30% of total bank deposits? Moreover, as per RBI data, the gender gap in financial inclusion is still significant, with many women either not having a bank account or having inactive ones.

When applying for a loan, especially a high-value one such as a business loan or mortgage, a Letter of Intent (LOI) plays a crucial role. It acts as a preliminary agreement that outlines the key terms and conditions before finalizing a formal loan contract.

A Savings Account is the foundation of financial security. But with multiple options available, choosing the right one for maximum growth can be overwhelming. Should you prioritize a high-interest rate, liquidity, or additional benefits?

When faced with a financial need—whether it's for business expansion, medical emergencies, or debt consolidation—you may find yourself choosing between a Loan Against Property (LAP) and a Personal Loan.

A domicile certificate is an official document issued by the state or union territory (UT) government to certify that an individual is a permanent resident of that particular state or UT. 

Amit and Ravi, two childhood friends, found themselves in similar situations but chose different paths to navigate their financial difficulties. 

In the world of business, creditworthiness is everything. Whether you're applying for a business loan, negotiating with suppliers, or seeking investors, your Commercial CIBIL Report plays a crucial role in shaping financial decisions.

Property disputes among family members are common in India, often leading to lengthy legal battles. A Partition Deed is a crucial legal document that helps co-owners divide their jointly owned property amicably, avoiding unnecessary conflicts. 

The Indian stock markets have been experiencing a significant downturn. The Nifty 50 index has dropped by approximately 14% from its peak in September 2024, marking a five-month losing streak—the longest since 1996.

The Micro, Small, and Medium Enterprises (MSME) sector is a crucial pillar of India's economy, contributing nearly 30% to the GDP, 45% of exports, and generating employment for over 11 crore people. 

When applying for a business loan, banks often require additional security to mitigate risks. This is where co-borrowers and guarantors come into play.

With every financial year-end comes the frantic rush to minimize tax liabilities. Indian taxpayers, whether salaried professionals or business owners, often find themselves navigating a maze of tax-saving instruments.

Interest rates play a critical role in determining the cost of loans, and for Indian borrowers, the shift to External Benchmark Lending Rate (EBLR) has been a game-changer. 

India's digital payment ecosystem has experienced remarkable growth, with the Unified Payments Interface (UPI) leading the charge. 

Launched on April 8, 2015, the Pradhan Mantri Mudra Yojana (PMMY) is a flagship government initiative designed to “fund the unfunded.”

Let’s assume you invest ₹70,000 in a Fixed Deposit for a tenure of 5 years at an interest rate of 7.20%. Considering you have cumulative FD, where interest pay-out would happen only at the end of the FD tenure

Fixed Deposits (FDs) continue to be a popular investment choice among Indian consumers. According to the Reserve Bank of India (RBI), term deposits grew by 13.3% YoY in 2024, showcasing their steady demand despite the rise of other investment options.

The Indian government has taken significant steps to protect Micro, Small, and Medium Enterprises (MSMEs) from delayed payments. According to a 2023 report by the Ministry of Corporate Affairs (MCA), over ₹10,000 crore worth of payments to MSMEs were delayed beyond the permissible 45-day credit period.

With over 12 billion UPI transactions recorded in January 2024 alone, India's digital payments ecosystem continues to expand at an unprecedented rate.

Fixed Deposits (FDs) are one of the safest and most predictable investment options in India. Whether you are a risk-averse investor or simply looking for stable returns, an FD offers security along with assured earnings.

Did you know that nearly 30% of businesses fail due to cash flow mismanagement? One of the primary reasons behind financial struggles is the lack of clarity on capital allocation. 

Securing a business loan is often necessary for growth, but did you know that negotiating better loan terms can save you lakhs? According to an RBI report, nearly 35% of Indian SMEs struggle with unfavourable loan terms

On 5 December, 2025, the Reserve Bank of India (RBI) took a decisive step to stimulate economic growth by cutting the repo rate by 25 basis points, bringing it down to 5.25%. 

On 5 December 2025, the Reserve Bank of India (RBI) cut the repo rate by 25 basis points bringing it down to 5.25%. 

In today's fast-paced digital world, banks continually innovate to enhance customer convenience and security.

Emergencies can happen at any time, and sometimes, they bring along unforeseen financial burdens. Whether it's a medical crisis, urgent home repair, or a sudden business setback, securing immediate funds becomes a priority. 

Imagine this: You're about to make a payment at your favourite online store or swipe your card at a restaurant. But have you ever wondered whether your choice of a RuPay or Visa debit card makes a difference? 

A Universal Banking Licence permits a financial institution to offer a wide array of banking services, including commercial and investment banking, under a single umbrella.

India's Micro, Small, and Medium Enterprises (MSME) sector is the dynamic engine of the economy, contributing significantly to employment, innovation, and GDP growth. 

Let’s assume that you’ve finally finished repaying your home loan or car loan after years of disciplined EMI payments.

With India’s rental housing market projected to grow at a CAGR of 5.3% from 2023 to 2028, more individuals are investing in rental properties. According to a recent report, around 28% of urban dwellers in India live in rented accommodations. 

Cheques remain a significant mode of financial transactions in India, despite the rise of digital payments. Whether for personal or business use, knowing how to fill a cheque correctly is essential to prevent errors, fraud, or rejection.

Imagine this: You’re at a café, enjoying a cup of coffee, when suddenly you realize your wallet is missing. Panic sets in as you recall that your debit card was inside. 

Imagine this—you open your bank statement expecting a healthy balance, but instead, you find a penalty deduction. Confused? The culprit could be your Monthly Average Balance (MAB)!

As of 2024, UPI (Unified Payments Interface) has become the backbone of digital payments in India, processing over 12 billion transactions per month with a total transaction value exceeding ₹18 lakh crore.

When you apply for a loan, your financial health plays a key role in determining whether your application is approved.

In the world of banking, the humble cheque continues to play a vital role, even as digital transactions take the lead.

A home loan is a long-term commitment that requires careful planning and financial prudence. Making informed decisions before applying for a home loan can save you from unnecessary financial strain in the future. 

Do you often feel like your salary vanishes before the month ends? Saving money might seem impossible on a ₹30,000 salary, but with the right strategies, you can effortlessly set aside ₹5000 every month—without sacrificing your lifestyle. 

Individual loan and personal loan are unsecured loans where you don’t have to pledge collateral to avail a loan. However, bot are designed to serve different purposes.

Dear reader, last night, while paying the auto driver, I realized my bank server was down, meaning I couldn’t use the UPI apps to make payment. Left with no other option, I handed him a ₹500 note. 

Managing your finances might feel like a complex task, but the 50/30/20 rule is a straightforward, efficient, and effective way to gain control over your money.

In Tamil Nadu, land records are important for establishing ownership and ensuring transparency in property transactions.

In recent years, banks in India have been rapidly adopting innovative financial technologies to enhance customer experience. 

You’ve just received your brand-new ATM or Debit Card, excited to access your funds seamlessly. But before you can use it, you need to generate a PIN. 

Tenancy agreements are legally binding contracts that specify the terms of occupancy between a tenant and a landlord.

Are you contemplating leveraging your home equity but find yourself tangled in the web of choices between a fixed-rate home equity loan and a Home Equity Line of Credit (HELOC)? You're not alone! 

When it comes to real estate transactions, clarity and legal documentation are paramount. One such critical document is the Conveyance Deed.

According to a recent report by the Reserve Bank of India (RBI), there are over 10 crore dormant accounts in the country, holding nearly ₹35,000 crore in unclaimed deposits. Dormant accounts, often overlooked by account holders.

Banks in India generally finance up to 85% of a property's value, leaving you to cover the remaining as a down payment.

Do you know that as on March 2024, there are unclaimed deposits of ₹78,213 crore lying in bank? It’s a 26% year-on-year jump!

In today’s fast-paced business world, having a current account isn’t just a good idea—it’s a necessity. 

Parenthood is a beautiful journey filled with countless joys and responsibilities.

The entrepreneurial landscape is diverse, encompassing a range of business entities that vary in size, purpose, and goals.

A Corporate Identification Number (CIN) is a unique 21-digit alphanumeric code assigned to companies registered in India by the Registrar of Companies (ROC). 

When it comes to saving taxes in India, many taxpayers often overlook how strategic use of financial products can double as effective tax-saving tools. 

Aarav, a young delivery executive in bustling Bengaluru, had a dream—owning a two-wheeler. 

Purchasing a new bike in India is an exciting yet significant decision.

Imagine earning more than 7% interest just by saving your money – sounds too good to be true? Not with Ujjivan Small Finance Bank!

Imagine a future where your child has the freedom to pursue their dreams, unburdened by financial constraints.

Gold has long been regarded as a safe haven for investment, offering security and consistent returns over time.

Imagine your money as a symphony—harmonized, smooth, and ever-progressing toward a crescendo of wealth. 

When it comes to corporate financial planning, one key aspect that businesses and organisations need to consider is how to maximise their returns on surplus funds. 

An overdraft (OD) against a Fixed Deposit (FD) is one of the fastest and most cost-effective ways to borrow money from a bank without prematurely breaking the FD. 

Did you know that Fixed Deposits (FDs) are one of the most trusted financial instruments among Indian households?

No fumbling for cash, no delays—just seamless, secure transactions. 

Imagine rushing to your bank for an urgent task, only to find the doors closed for a holiday you didn’t anticipate.

Both gold loan and home loan are secured loans – you have to pledge collateral to get a loan. 

On 9 June 2025, the Reserve Bank of India (RBI) cut the repo rate by 50 basis points, marking the third rate cut in 5 years. The current repo rate stands at 5.25% and the reverse repo rate at 3.35%.

Gold has always been a symbol of wealth and security. But did you know that it can also be your financial lifeline in times of need?

The gig economy in India has seen explosive growth in recent years, with platforms like Swiggy, Zomato, Uber, and UrbanClap contributing to a workforce of nearly 7.7 million gig workers in 2023, according to a NITI Aayog report.

In a bustling city, where technology is more than a tool—it’s a lifestyle—Meera, a young software developer, found herself in a dilemma.

Losing a loved one is never easy, and during such a difficult time, dealing with financial matters can add further stress to the situation.

It’s a sunny Tuesday morning, and you’re sipping your coffee, scrolling through social media. Life feels predictable, comfortable.

Imagine this: You’ve just discovered an advanced certification course that could elevate your career to new heights.

Fixed Deposits (FDs) and Certificates of Deposit (CDs) are two popular time-deposit investment options offering fixed returns.

Did you know a career break can boost your productivity and job satisfaction?

Imagine standing at the showroom, eyeing the latest scooter or a brand-new car. 

Imagine this: Anil, a middle-aged professional living in Mumbai, has worked hard his entire life. He opened a fixed deposit account years ago to secure his family’s future. 

Rajesh, a passionate entrepreneur from Pune, had been running a small garment business for five years.

India's Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country's economy.

In today's digital banking era, where convenience and security are key, have you ever wondered how banks effortlessly manage your multiple accounts and tailor services just for you?

India's digital payment landscape has experienced remarkable growth, with Point of Sale (POS) transactions playing a pivotal role.

In today's digital age, where cashless transactions are becoming the norm, ATMs play a crucial role in providing convenient access to your hard-earned money. 

Did you know that according to a report, India is at the top of the list for digital payments? It's interesting to note that India makes more digital payments than the next four top nations put together.

The global market for digital payments is predicted to increase at a compound annual growth rate (CAGR) of 11.2%. 

In today's fast-paced world, technology has revolutionised the way we conduct financial transactions. 

In the vibrant streets of Mumbai, two close friends, Arjun and Ravi, were planning their financial future. 

Imagine waking up to a quiet morning, sipping your favourite tea, and feeling the satisfaction of knowing that your finances are working for you. 

In the world of Fixed Deposits (FDs), a standalone FD is a unique and flexible financial product that allows you to invest without the need to open or maintain a savings account with the bank.

 Stock market investors have a problem. The Sensex tumbled nearly 3,000 points at the end of 2024.

Managing property records in Bangalore has always been a cumbersome task, often involving endless paperwork and manual processes. 

Imagine you're shopping online for a new pair of shoes. You find the perfect pair, add them to your cart, and proceed to checkout. 

Starting or expanding a business often requires financial support, but not every entrepreneur has an impeccable financial record.

In the fast-paced world of business, maintaining a steady cash flow is crucial for survival and growth.

The demand for home loans in India has surged by over 15% in 2024, largely driven by low-interest rates and the growing middle-class population.

Buying a home is a dream come true for many. But the financial burden of a hefty home loan EMI can be overwhelming.

Owning a home is a cherished dream for many. A home loan often makes this dream a reality by providing the financial assistance required to purchase a property. 

Buying land is a significant investment, and ensuring the legality of the property is crucial. One of the essential elements in verifying land ownership is the Land Survey Number.

Debit cards have become an essential part of our daily lives, enabling us to make secure and convenient transactions. 

Debit cards have become an important tool for managing our finances, especially in the digital age. 

In today’s digital age, online transactions have become a part of our daily lives. Whether it’s ordering your favourite meal, booking a vacation, or paying utility bills, the convenience of using debit and credit cards is unmatched. 

In today's digital age, debit cards have become an essential tool for managing our finances.

As of 2024, India’s digital payment ecosystem continues to expand, with over 12 billion transactions processed monthly through electronic payment modes, according to industry data.

Have you ever considered using your gold assets to secure a loan? Gold loans are an increasingly popular financial solution that allows you to leverage your gold jewellery or ornaments for quick access to funds. 

Are you looking to secure a loan using your gold assets? One of the crucial factors that determine the loan amount you can get is the Loan-to-Value (LTV) ratio. 

When you take a gold loan, you are required to repay the loan amount within a specified tenure.

The Indian gold loan market has experienced significant growth, with its value reaching approximately ₹7.1 lakh crore in 2024.

Gold loans are one of the most popular financing options in India, with the market growing to ₹7.1 lakh crore in 2024.

When faced with financial emergencies or important expenses like education or weddings, many people turn to loans to meet their needs. 

Gold loans have become increasingly popular in India as a quick and convenient way to meet financial needs. 

Gold has always been a valuable asset in Indian households. It holds sentimental value, but it can also be a great financial resource during challenging times.

The gold loan market has witnessed significant growth over the past decade, largely driven by robust economic trends.

If you’re repaying a home loan and need additional funds for purposes like home renovation or upgrading your property, a home loan top-up could be the ideal solution.

Did you know that even a 1% reduction in your home loan interest rate can save you thousands, if not lakhs, of rupees over the loan tenure?

Starting or expanding a business often requires a substantial financial investment. While you may consider dipping into personal savings or applying for a personal loan, a business loan can be a more effective and structured solution.

According to recent studies, the global business loan market is projected to reach USD 12.15 trillion by 2027, driven by increasing demand from small and medium-sized enterprises (SMEs).

In India, Micro, Small, and Medium Enterprises (MSMEs) contribute significantly to the economy, accounting for over 30% of India’s GDP and employing more than 110 million people.

In today’s fast-paced digital era, technology has become a game-changer across industries.

Efficient, secure, and seamless payment systems are the backbone of a modern economy. 

Navigating the world of online banking can sometimes feel like walking through a maze blindfolded, especially with the increasing incidents of financial frauds. 

Your bank statement helps you track your financial transactions. However, it often contains jargon and abbreviations that can be confusing.

Savings accounts can be broadly categorised into two categories – accounts that come with minimum monthly balance maintenance requirements and accounts that come with zero monthly balance maintenance requirements.

Gold loans are gaining traction, especially because of its simple eligibility criteria, affordable interest rates compared to personal loans and quick disbursal process. 

Investing and saving money not only provides financial security but also offers psychological benefits that contribute to overall well-being. 

Building a secure financial future is a goal that many individuals and businesses strive to achieve.

Closing a recurring deposit account can be a complex process, but it doesn't have to be. Whether you need to withdraw funds for an emergency or want to close the account entirely, understanding the procedures involved is crucial.

In today’s fast-paced financial world, it’s easy to get lost in the maze of investment options.

The National Pension System (NPS) is a government-backed retirement savings scheme designed to provide financial security to Indian citizens in their golden years.

Current Accounts offer an essential gateway to simplify your daily financial transactions. You can choose a Current Account based on how you wish to manage your finances.

If you're considering closing your existing Gold Loan, it's essential to understand the process of foreclosure and the factors to consider before closing your loan.

Gold loans have emerged as a popular financing option for many Indians due to their quick processing, flexible repayment options, and no restrictions on end-use.

It’s better to calculate your loan EMI before taking a loan so that you can plan your finances better. 

When faced with financial needs, many of us turn to loans as a solution. 

Gold is not only considered a symbol of wealth and prosperity but is also seen as a valuable resource that can be utilised during times of financial need.

A cheque is a trusted financial instrument, but when it bounces, it can cause inconvenience, legal trouble, and financial loss.

Navigating the complexities of business loan repayments can seem daunting. 

Navigating the complexities of securing an MSME Loan can seem daunting, especially when it comes to the preparation of financial statements. 

The CIBIL or credit score determines your creditworthiness and plays a pivotal role in securing an MSME or business loan.

According to the Reserve Bank of India (RBI), cheque clearing volumes in India continue to account for billions of transactions annually, despite the rise of digital payments. 

When transferring money across borders, understanding SWIFT codes is essential. 

In our modern digital world, transferring money has become more convenient and accessible than ever before.

Gift-giving is a cherished tradition in Indian culture, symbolizing generosity and goodwill. 

Banks offer different types of interest-bearing accounts – Savings Accounts, Fixed Deposits, Recurring Deposits, etc.

When it comes to managing our finances, having the right type of bank account is crucial. In India, 78% of the population has a bank account, and the two popular banking options are Savings Accounts and Current Accounts. 

In the world of modern banking, convenience and security are paramount. Imagine being able to transfer money anywhere in the country with just a few taps on your smartphone.

In the digital era where online transactions dominate, cheques remain a cornerstone of financial transactions in India.

In the world of banking, there are certain documents that hold special significance despite not being used in the conventional way.

Planning to purchase a new bike or scooter? Avail a bike loan and turn your dream into reality! With bike loans or two-wheeler loans, you can get up to 100% financing of the total cost of the vehicle.

Owning a home is a dream come true for many. It's where we build our lives, create memories, and find solace. 

Taking joint Home Loan has several advantages. You not only get to share the repayment obligations with the co-borrower (generally, spouse or any other immediate family member), you can also save more on your taxes. 

Investing in real estate has become a popular choice for diversifying investment portfolios and increasing net worth. 

Managing and repaying your home loan faster, not only improves your financial stability, but can also save you money in the long term.

With the New Year around the corner, it’s time to keep that checklist ready. If renovating your house has made it to your list of items to tick off in 2025, keep reading this blog. 

Buying a house is arguably one of the most significant milestones in life. For many, it represents stability, achievement, and personal progress.

In on of the blogs, we have outlined how home loan part payment works. Your Home Loan,, barring processing fees, has two components – the principal amount (the loan amount disbursed) and the interest component 

In India, two-wheelers have become an essential mode of transportation. They offer freedom, convenience, and a cost-effective way to navigate through traffic. 

Dreaming of having a second home or vacation property? Many people aspire to have a space they can retreat to and enjoy leisure time with their loved ones. 

In today's digital era, technology has revolutionised almost every aspect of our lives, including how we buy homes. 

Both home loan and HRA (House Rent Allowance) come with tax benefits, albeit under different Income Tax laws. 

Buying a home is one of the most significant milestones in anyone's life.

We've all experienced the frustration of a transaction error wile transferring funds at some point in our lives. 

We all rely on ATMs for quick and convenient access to cash. But have you ever wondered why there are limits on the amount you can withdraw in one go? 

With the Reserve Bank of India (RBI) regulations effective from January 1, 2022, ATM users in India are allowed five free transactions per month across most banks.

Have you ever experienced a situation where money was deducted from your bank account, but you did not receive the cash from the ATM? It can be frustrating and confusing, leaving you wondering what steps to take next.

In an era where digital transactions are gaining ground, many people still prefer cash for various reasons.

In an era where speed and convenience are paramount, instant payment solutions have become essential for managing finances.

IMPS, which stands for Immediate Payment Service is a revolutionary interbank electronic funds transfer system in India.

Small Finance Banks (SFBs) are specialised financial institutions established with the primary goal of fostering financial inclusion by offering basic banking services to underserved and unbanked segments of society. 

In today's digital age, secure transactions, accompanied by convenience, has become the most sought after. 

IMPS (Immediate Payment Service) is a real-time interbank electronic funds transfer system in India that allows quick and hassle-free daily P2A (person to account) fund transfers of up to ₹5 lakh (per transaction) and up to ₹10 lakh (daily transaction limit).

In today's digital age, our identities are crucial for various transactions, especially in the banking sector. 

When it comes to making electronic fund transfers, the National Electronic Funds Transfer (NEFT) system is one of the most popular methods in India. 

In today's digital age, we rely heavily on electronic fund transfers to make payments conveniently.

Thinking about getting a home loan? Well, there’s a little more to it than just comparing interest rates. 

Until 2019, RBI had cut-off timings for online NEFT (National Electronic Funds Transfer) – 8:00 am to 6:30 pm from Monday to Friday and 8:00 am to 12:00 pm on Saturdays. 

RTGS (full form – Real Time Gross Settlement) is a specialised electronic funds transfer system used by banks to facilitate high-value and time-sensitive transactions. 

NEFT stands for National Electronic Funds Transfer. It was launched by the Reserve Bank of India (RBI) in 2005 to facilitate seamless money transfers between bank accounts across India.

ATM stands for Automated Teller Machine (ATM). Today, ATMs have become a cornerstone of modern banking, providing seamless access to financial services anytime, anywhere. 

RTGS stands for Real-Time Gross Settlement, a system designed for high-value transactions that demand immediate clearing. 

In the fast-paced world of retail, efficient financial management is crucial for success. 

Running a successful business requires efficient financial management, especially when it comes to handling high-volume transactions.

Choosing the right Recurring Deposit (RD) tenure is important for achieving your financial goals.

Buying a home is a dream for many, but it can be slightly overwhelming for few. From finding the right property to getting home loan approval, there are several factors to consider.

The decision to buy or rent a house is one of the most significant financial choices you'll make. It impacts not just your current lifestyle but also your long-term financial stability.

As you embark on your home buying journey, understanding the role of property valuation in the home loan approval process is crucial. 

In recent years, India's inflation rate has risen noticeably, prompting the Reserve Bank of India (RBI) to raise the repo rate by 250 basis points from May 2022 (data as on August 2024). 

When it comes to investing our hard-earned money, safety is always a top priority.

Life events such as marriage, starting a family, buying a home, career changes, and retirement often trigger significant shifts in your financial situation.

Imagine living without the constant worry about money. That’s what effective financial security planning can offer.

Financial planning is essential for Micro, Small, and Medium Enterprises (MSMEs) seeking loans, as it helps them navigate the complexities of securing financial support while ensuring sustainable growth.

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of India's economy, contributing around 30% to the GDP and employing over 11 crore people.

Buying a house is a milestone many of us aim to achieve. However, the financial aspect of purchasing a home can seem daunting. 

With all the legal formalities involved. transferring property ownership in India could be slightly challenging if you aren’t aware of the nitty-gritties of it.

Property tax, also known as house tax, is levied by municipal authorities in India on real estate properties. 

When it comes to buying a home, there are several important steps in the process that must be followed. 

Managing a home loan during financial crises can be overwhelming, but with the right strategies, it is possible to navigate through challenging times without compromising your financial stability. 

In today's fast-paced world, individuals are constantly seeking reliable investment avenues to secure their financial future.

Saving money is an essential part of building wealth and achieving financial goals. If you're looking for a reliable way to save, consider opening a Recurring Deposit (RD) Account.

Want to close a Current Account? Understanding the account closure process is crucial, whether you're switching banks or consolidating your finances.