The Vibe Journal: Finance Blogs

Investments often bring to mind putting aside a big lump sum. But saving doesn’t always have to be that way. With a recurring deposit (RD), you can start small. Just put aside a fixed amount every month. At maturity, you still get assured returns. The Central Bank of India is one of the oldest public …

Saving regularly can feel tough, but an RD makes it simple. You just fix a small monthly amount and let it grow with assured returns. Among public sector banks, Punjab National Bank stands out for its trust and wide reach.  The current PNB RD interest rates 2025 range from 6.00% to 6.50% p.a. for tenures …

This year, Navratri will be celebrated from September 22 (Monday) to October 1 (Wednesday), with Vijayadashami / Dussehra on October 2, 2025 (Thursday). Some regional panchangs may differ slightly due to lunar timings. Read on to understand what this season is all about.  What is Navratri?  Navratri, meaning ‘9 nights,’ is one of India’s most …

Planning for retirement often raises a significant question: how can you keep your savings safe while also earning decent returns? For many in India, especially those above 60, senior citizen fixed deposit schemes become a natural choice. These aren’t new, but their reliability and slightly better returns still make them popular. Let’s look at what …

This article explains how a loan against fixed deposit works, who is eligible, what documents are needed and how interest rates compare across banks, so you can decide whether to borrow against your FD or break it. A loan against fixed deposit lets you borrow up to 70 to 90% of your FD’s value from the same bank …

Taking a loan is simple, but missing payments can feel stressful. You often hear stories of recovery agents or people losing property. The truth is different. Loan recovery in India is governed by clear Reserve Bank of India (RBI) rules to protect you. Knowing these rules helps you stay relaxed and handle things with confidence. …

You don’t always need a big sum to start saving. With a recurring deposit (RD), you can set aside a fixed amount each month. Over time, it grows with guaranteed interest. IDBI Bank, one of India’s leading public sector banks makes this simple. Their RDs come with flexible tenures, assured returns and benefits for different …

For investors who prefer stability over risk, a recurring deposit (RD) is a simple way to build savings with assured returns. You invest a fixed amount every month and your money grows at a guaranteed interest rate.  Bank of India offers RD schemes starting at just ₹500 per month, with flexible tenures from 6 months to 10 years. As of 2026, …

Saving regularly is one of the easiest ways to build wealth. Recurring deposits (RDs) let you do this with small monthly instalments while earning fixed returns. Union Bank of India offers RDs with multiple tenures, guaranteed interest and senior citizen benefits.  The Union Bank RD interest rates 2025 align with FD slabs, ranging up to …

Recurring deposits (RDs) are one of the safest ways to grow your money steadily. With small monthly instalments, you build savings without locking a big amount upfront. Federal Bank, through its Federal Savings Fund scheme, offers RDs with assured returns and flexible tenures of up to 10 years. The Federal Bank RD interest rates effective …