If you need quick money without any collateral, personal loans are a common option. In August 2025, several banks are offering different interest rates and processing fees to attract borrowers. The Reserve Bank of India cut the repo rate by 0.5% in June 2025. This has encouraged banks to lower their lending rates. However, the…
Managing multiple credit cards can appear to be challenging, still with the correct approach and proper planning, you can keep your credit profile safe. Such practices will never harm your credit score. On the contrary, having several credit cards can be beneficial if handled responsibly. Sumit Sharma, Founder of Radian Finserv, explains, “Having multiple credit…
For credit users who value flexibility and hate paying ongoing, recurring fees, lifetime free credit cards with no annual fee or renewal fee are exceedingly valuable. Here is a comprehensive introduction to the best lifetime free credit cards in India in 2025, including cashback, dining deals, and EMI conversion options. What does lifetime-free mean? “Lifetime…
If you are a frequent traveller and love to make your payment via credit card, then it is recommended to secure a card that offers a discount and/or cashback on your travel spend. For example, earning reward points on your flight or hotel bookings is nothing short of the frosting on the cake. Here we list…
The Ministry of Housing and Urban Affairs (MoHUA) runs an interest subsidy scheme for the acquisition and construction of houses (including repurchase) known as the Credit-Linked Subsidy Scheme for the Middle Income Group. Under this scheme, beneficiaries of the Middle-Income Group (MIG) can seek housing loans from banks, housing finance companies, and other such institutions for the…
If you run a small business or are self-employed, it is very important to know the difference between your personal and business credit scores. Each of these two identities of finance serves different purposes and can affect long-term financial planning, borrowing, and reputation. What is a personal credit score? Your personal credit score is a…
In the ever-evolving world of startups and traditional family-run businesses, one quiet but crucial question shapes the future: Who’s next? Succession planning isn’t just the domain of large corporate boardrooms. It has everyday relevance—impacting families, their financial security, and intergenerational harmony. Succession planning involves more than deciding who inherits what. It’s about protecting wealth, avoiding…
Capital gains taxes are levied on profits earned from selling capital assets such as property, stocks, or mutual funds. In the nation, the tax treatment depends on whether the gains are categorised as short-term in nature or long-term based on how long the asset was held by the investor. What are short-term and long-term capital…
My brother and I jointly purchased a property 10 years ago. My brother contributed 30% of the price while I contributed the rest. This can be evidenced only from the Money Receipt attached to the Registered Sale Deed but not mentioned explicitly in the Deed. Now my brother wants to Gift his share of the…
A recent LinkedIn post by Kirtan A. Shah, Founder and CEO of Credence Wealth, ignited a debate, highlighting “The most common investing mistake.” The wealth management firm owner shared an instance where 15 years back an investment was made in a very popular insurance policy but after its maturity, the low returns felt like a…
