The Vibe Journal: Finance Blogs

When borrowers default on loans, the consequences extend far beyond balance sheets: weakening banks, unsettling credit markets, and slowing the economy’s growth engine. To address the issues of financial disputes related to Non-Performing Assets (NPAs) , India established the Debt Recovery Tribunals (DRTs) in 1993. This blog explains the Debt Recovery Tribunal (DRT) in India, …

Putting aside small amounts every month is often easier than saving a big sum at once. That’s where recurring deposits (RDs) work well. You invest a fixed amount every month and get assured returns when the term ends. UCO Bank, one of India’s trusted public sector banks offers RDs that are safe and easy to …

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 …

Many people treat fixed deposits as their go-to savings cushion. It’s a safe place for money to grow without stress. But life has its surprises – a sudden hospital expense, housework that can’t wait, or a shortfall before salary day. What do you do in moments like these? Here’s a better idea – borrow against …

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 …

Not everyone has a huge risk appetite when it comes to investing. Many prefer an option that is simple and steady. That’s what a recurring deposit (RD) offers. You set aside a fixed amount each month and the bank helps your money grow with guaranteed returns. Bank of India is one of the country’s top …