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A Beginners Guide to Filing ITR Online

Income Tax Returns (ITR) are official documents that are filed with the government to report an individual’s or entity’s earnings, deductions, and taxes paid during a financial year. They help ensure compliance with tax laws, enable possible refunds of overpaid taxes, and are also a legal proof of income for various financial transactions. Filing ITR […]
Budget 2025: Expectations Soar as FM Sitharaman Prepares to Deliver

Finance Minister Nirmala Sitharaman is set to present the Union Budget 2025 on February 1, 2025. The anticipation of budget creates excitement and a range of expectations every year. Whether you are a taxpayer, salaried employee, business person, or an industrialist, everyone’s eyes are on the Budget 2025 and the market it would impact. The […]
What is a Home loan? Types, Eligibility & Benefits

Buying a home is a big dream for many people but it can be expensive. This is where a home loan becomes important. A home loan helps you buy or build your own house without needing to pay the entire amount upfront. Instead, you can repay the loan in smaller amounts over time. Home loans […]
What is a Business Loan? Meaning, Types & Benefits

Starting a business is getting more popular as many people dream of turning their ideas into reality. But is it really that easy to start a business? Certainly not, as starting and running a business takes money. You need funds for things like setting up, buying equipment, paying bills and handling everyday costs. Without enough […]
What is a Cancelled Cheque and How to Write One

Banking is a big part of our daily lives as it helps us save money, transfer funds and apply for loans or credit cards. To make banking easier, we use different documents like cheques. A cheque is usually used to pay someone or withdraw money from your account. But sometimes, you may need to give […]
What is Loan Amortization- All You Need to Know

Amortization is all about spreading the cost of an asset over time. This also applies for loans, where you break the total amount you owe into small payments, spreading out the repayment of the loan over time. In this brief guide, we will learn what is amortization, the types of amortization and how does amortization […]
National Pension Scheme (NPS)

The government offers various schemes to help us, whether it is for education, healthcare, housing or retirement planning. One such helpful initiative is the National Pension Scheme (NPS), designed to ensure you have enough money to live comfortably after you retire. Here, you can save money slowly and gradually during your working years. And by […]
Overdue Payment: What is it and How it Affects Your Finances

When you miss out on paying a bill, monthly loan instalment or any amount you owe before the deadline, it is called an overdue payment. Though this may not seem like a big deal initially, it can certainly affect you in the long run. It is because these overdue payments, which you have not been […]
What Is a Flexi Personal Loan?

If you are looking for a personal loan but need more flexibility in how you can use and pay back the money, then a flexi personal loan is what you may need. A flexi personal loan is not like regular loans where you borrow a fixed amount and then repay in fixed installments. Here, you […]
What is Loan Syndication?

Loan syndication is a process where multiple banks or lenders join hands to provide a large loan to a single borrower. This is mainly used for large-scale projects such as building airports, highways, power plants or factories. These projects require a huge sum of money, which a single bank may not be willing or able […]
What are Debt Consolidation Loans?

Having multiple loans or debts can sometimes cause serious stress. You may miss out on the due dates and often forget the interest you need to pay on each loan. That’s where debt consolidation comes in. When you opt for debt consolidation, you agree to combine all your debts into one. This way you make […]
NBFCs vs Bank – Differences Explained

When we talk about financial services, we often hear about two types of institutions: NBFCs (Non-Banking Financial Companies) and banks. While both help us manage money, lend us loans and offer other financial products, they are quite different in how they operate. Banks are larger, offer a wide variety of services and are more established. […]
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