Banking

Unclaimed Deposits – Claim Your Money

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Unclaimed deposits are funds or the amount of money that individuals have forgotten to claim back. Unclaimed deposits run is crores in India. People or their heirs have forgotten or not in a position to claim these unclaimed deposits. Irony … right. How can someone forget money! Funds that is often left idle in variousRead More

How Balance Transfer of Loan Reduce Debt?

by Madhupam Krishna

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One does not want to keep debt for a long time, everyone wants to reduce their debt and get rid out of debt, however managing debt can be challenging. If we implement the right strategy, we can manage our debt or reduce debt. One such the strategy is Balance Transfer of Loan. This article exploresRead More

Welcome Central Bank Digital Currency – CBDC

by Madhupam Krishna

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On 1 st November, the Reserve Bank of India launched India’s first Central Bank Digital Currency pilot project for wholesale purposes. As of now 9 banks namely State Bank of India, Union Bank of India, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Yes Bank, IDFC First Bank and the Indian unit of HSBC Holdings haveRead More

Buy Now Pay Later – Let’s Understand it First

by Madhupam Krishna

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Shopping hasn’t changed with the widening variety and newer products, but the way we do it has certainly changed a lot. Earlier people were buying things directly from each other, then came the currency, then came finance, and now the Buy Now Pay Later concept. This recent trend of shopping – BUY NOW PAY LATERRead More

Home Loan By Bank OR Housing Finance Company

by Madhupam Krishna

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Do you long to buy your Dream Home? Most likely you would need a part to be financed as Home Loan By Bank OR Housing Finance Company. But when it comes to making a decision, you might not be aware of the difference between Home Loan by Bank or Housing Finance Company. Let’s see whatRead More

Taxation on NRI Fixed Deposits

by Madhupam Krishna

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If someone says “do not invest in Debt or Fixed Deposit” – he is not your advisor. But investments in Fixed Deposits or Term Deposits by NRIs are very common due to the liquidity of funds & their taxability. But Taxation of NRI Term Deposits needs to be understood to get the maximum value ofRead More