The Vibe Journal: Finance Blogs

A fake or counterfeit currency note is an unauthorised imitation of a genuine banknote created to resemble legal currency. Counterfeit notes may copy the colour, design, denomination and other visible elements of genuine Indian banknotes, but they may fail to reproduce one or more security features accurately.  Knowing how to identify fake currency is important because accepting a counterfeit note can result in a financial loss, and knowingly trying …

If you’ve ever wondered when mutual fund started in India, the answer goes back to 1963, just a decade after India gained independence. The first mutual fund in India was launched by the Government of India and the Reserve Bank of India under the Unit Trust of India (UTI). This marked the beginning of the …

Wondering how to redeem mutual funds or withdraw your investment smoothly? Whether you’re switching schemes, meeting urgent financial goals or simply rebalancing your portfolio — it’s important to understand how mutual fund redemption works.  Knowing the right process and rules helps you encash the maximum amount without any hassle. This guide answers your top questions …

If you’ve ever wondered how much your bond investment could earn by the time it matures, you’re in the right place. This space answers one of the most common investment questions what is yield to maturity meaning and how it helps in comparing bonds and mutual funds.  In simple terms, Yield to Maturity (YTM) helps …

Many investors often search for mutual funds vs ETFs to understand which is a better investment option. While both let you invest in diversified assets like stocks and bonds, they work quite differently. Mutual funds are professionally managed, while ETFs (Exchange-Traded Funds) usually follow a specific market index.  Understanding the mutual fund vs ETF difference …

If you’re investing in mutual funds, one of the most common questions you might have is — how quickly can I get my money back when I need it? That’s exactly what liquidity in mutual funds is all about. Liquidity tells you how easily and quickly your investment can be converted into cash without losing …

When you invest in any capital asset, you can earn either short-term capital gains or long-term capital gains. Depending on your holding period, your income is classified into one of these two types. Based on this classification, tax rules differ.  To better estimate your returns and manage your taxes, learn about both types of capital …

What is a fixed maturity plan? A Fixed Maturity Plan (FMP) is a close-ended debt mutual fund scheme with a pre-defined maturity date. The FMP full form is Fixed Maturity Plan. It generally invests in debt and money-market instruments such as government securities, corporate bonds, certificates of deposit, commercial paper and treasury bills, with the portfolio maturity broadly aligned to …

Knowing the policies related to taxation on mutual funds can help you calculate your total returns and even choose the right scheme. With a cohesive understanding of this topic, you can maximise your gains and invest according to your financial goals.  What is Taxation on Mutual Funds? When investing in mutual funds, you earn dividends …

Mutual funds in India come in many types, each offering different benefits—like earning returns, getting dividends, saving on taxes, or reducing risk. To find the right one for you, it’s important to understand what each type offers. This helps you build a balanced portfolio based on your age, goals, and where you are in life.  …