The Vibe Journal: Finance Blogs

UPI has changed the way we pay, offering faster checkouts, zero cash and no cards. But behind the ease, a new set of risks has emerged. From phishing messages to fake QR codes, UPI scams are evolving fast. And they don’t just target the unaware. Even frequent users fall for these traps. With rising UPI …

UPI has made money transfers in India quick, simple and accepted everywhere, right from grocery stores to online shopping. Yet, many users still wonder about UPI charges and possible hidden costs. What’s the daily limit? Are there any charges on a UPI transaction if you exceed it? And what do the new rules really mean …

Unified Payments Interface (UPI) has made everyday payments fast and effortless. Whether it’s paying friends, splitting bills or shopping online, digital transactions are now the norm. But with all this ease, a common question surfaces: Is there any tax on UPI transaction?  Read on to clarify this common doubt.  No. There is no GST on …

UPI makes sending money super easy. But what if your bank account balance is low? You don’t need to dip into your savings. That’s where the credit line on UPI helps. It’s a new feature backed by the RBI.  It lets you borrow small amounts instantly through your UPI app and pay merchants without touching …

Ah, the monsoon! This is the time when the world around us turns lush green, the air smells fresh and those Instagram-worthy waterfalls start to pop up everywhere. But as beautiful as it sounds, travelling during the monsoon can be challenging. From waterlogged roads to unpredictable delays, the rain can make or break your plans.   …

Traveling during the monsoon season can be a magical experience. The air smells earthy, the surroundings look so green and the rain adds a soothing rhythm to your journey. But right from slippery roads to sudden downpours, travelling in monsoon comes with many challenges. Here are 15 monsoon season hacks to make your travel smooth …

Investing can be complicated for those starting out. With so many options to choose from – stocks, bonds, mutual funds, and more – deciding where to invest your money can be confusing. Fund of Funds (FOFs) aim to simplify investing. FOFs provide exposure to different assets and fund managers in one investment product.  So instead …

When it comes to evaluating the performance of your investments, understanding the right metrics is crucial. Two popular return measures are XIRR (Extended Internal Rate of Return) and CAGR (Compound Annual Growth Rate). Though both express investment returns as percentages, they calculate and interpret these returns differently. This space will break down the key difference …

Mutual funds are a preferred investment instrument for many Indian investors due to the ease and flexibility they provide to grow wealth over time. However, it is equally important to know what happens to your mutual fund investments if you pass away unexpectedly. How can your family members or nominees claim the units smoothly? Understanding …

What is the Sharpe Ratio and Why Does It Matter in Investing? Getting good returns is great but are you earning those returns wisely? It’s not just about how much your investments make but how much risk you’re taking to get there. That’s where the Sharpe Ratio comes in. Think of it as a reality …