The Vibe Journal: Finance Blogs

Unified Payments Interface (UPI) has become one of the most popular methods for digital transactions in India, enabling users to send or receive money instantly using just a mobile phone.  But what if there’s no linked bank account? Can UPI still be used? Here, you will know how to create a UPI ID without a …

India’s transaction system has evolved rapidly in the last few years. From cash-based transactions to a cashless economy in India. Two major players in this transformation are Digital Rupee and UPI. While they both make payments easier, they are very different in how they work. If you’re hearing about Digital Rupee for the first time …

The way payments are evolving in India is rapid, with UPI (Unified Payments Interface) already driving digital payment innovation and making transactions simple and widely accessible. It has also become a key part of the Digital India movement and the government’s push towards a cashless India movement. Recently, the National Payments Corporation of India (NPCI), …

Starting a Systematic Investment Plan (SIP) in a mutual fund often raises the question of selecting an appropriate investment date. While it may appear minor, there is no best SIP date that guarantees higher returns for your mutual fund SIP. This article explains the concept of SIP dates, how they work, and whether the selected …

When it comes to investing, the golden rule is diversification. A well-diversified investment portfolio ensures that your money is spread across different asset classes, balancing growth with stability. While equities and mutual funds aim to deliver higher returns, Fixed Deposits (FDs) play a stabilising role by offering capital protection, assured returns and liquidity. This blog …

UPI has changed the way we pay and receive money. It is quick, easy and safe. Most people know UPI works with savings accounts. But what about businesses that use current accounts? Many business owners ask if UPI can be linked with a current account. The answer is yes.  For business owners, having a current …

No, the UPI PIN and the ATM PIN are not the same thing. The ATM PIN is connected to your debit card. You use it for things like taking out cash from an ATM, checking your balance and making payments with your card. The UPI PIN is used to confirm transactions on your mobile payment apps like PhonePe Google Pay, Paytm and BHIM.  …

UPI has made payments fast and simple. But like any system, errors can happen. You might send money to the wrong account, face a failed debit or not receive a refund on time. That’s where the UPI dispute redressal mechanism comes in. It helps users raise complaints, track them and get quick solutions. Read on …

In digital banking, PINs protect your money. But many people get confused by the different types of PINs. A common question is – ‘is MPIN and UPI PIN same?’ At first, they look alike. Both are 4 or 6-digit codes you must enter to approve payments. But they are not the same. They may sound …

UPI makes paying quick and easy. But what if your internet is not working? That is where offline UPI payments help. You can send money, check your balance or make purchases without mobile data or Wi‑Fi. This method works on both smartphones and basic phones. It uses the *99# USSD code to connect to your …