The Vibe Journal: Finance Blogs

Calculating turnover rates involves seeing how many assets are necessary to produce a company’s revenue. When we divide monthly net sales by the average amount of assets, we get the asset turnover ratio. A greater ratio says the business is making the most of its resources to achieve sales, but a lower rate may suggest …

Running a business today? Then, keeping an eye on your cash flow isn’t just smart — it’s a game-changer. Whether you’re just starting out or running a big setup with loads of accounts, knowing where your money stands at any given moment really matters. That’s where CMS or Cash Management Services steps in. Offered by …

Looking to grow your money without taking too much risk? A Fixed Deposit (FD) might just be the perfect fit. Having a fixed deposit account is one of the oldest and safest ways to earn steady returns on your savings. Whether you’re saving for a trip, planning for the future or simply want your money …

Mutual funds in India are grouped in many ways. One way is based on how they are managed, active or passive. Active funds try to beat the market. Fund managers pick stocks and time their entry and exit. Whereas, passive mutual funds do the opposite. They simply follow a market index like the Nifty 50 …

Investing is not just about where you put your money. It’s also about how you move it. Systematic Transfer Plans (STPs) help you do just that. It lets you transfer money from one mutual fund to another at regular intervals. This way, you stay invested while managing risk. You can also avoid the hassle of …

Growth funds are one of the most popular choices in mutual fund investing. They are built to help your money grow steadily over time. These funds don’t pay regular income. Instead, they aim to increase the value of your investment in the long run. If you’re saving for future goals like retirement, buying a home …

A cancelled cheque is one of the most common document requirements in banking and finance. From bank accounts to loans and investments, many financial services ask for one. It’s a quick way to share your bank account details without any transaction happening.  But many people are still unsure how to cancel a cheque or how …

Digital payments in India are evolving quickly, and UPI Lite is the newest addition. This payment solution takes care of low-value daily payments. It ensures faster processing, minimal bank dependency and better reliability during high traffic hours or in low network zones. UPI Lite is designed for speed, convenience and micro-payments. Whether you’re buying a …

Taxes like income tax, GST, import-export duties, etc., are mandatory in India. When individuals or businesses attempt to avoid paying taxes, they commit tax evasion. If you are not aware of the meaning of tax evasion and its criteria, you can land up in financial trouble.   Tax evasion is the illegal act of underreporting income, …

Quick access to funds is crucial during a financial crisis and you can get immediate support from financial institutions. But what if you’re unsure about the exact amount you need? This is where you can rely on a Line of Credit (LOC).   A LOC is not like a traditional loan. It gives you access to …