The Vibe Journal: Finance Blogs

The procedure of security lending and borrowing allows you to leverage your existing investment portfolio to unlock a wealth of new financial possibilities. Securities-based Lending (SBL) helps you amplify your returns and stay ahead of the curve in the stock market.  To know why it could be the missing piece in your investment strategy for …

Mutual fund loans allow you to leverage your assets to maximise returns and provide you with a strategic advantage. You can even unlock the potential of your mutual funds by taking a loan against them and then reinvesting those funds to compound your earnings.  Seasoned investors often use this strategy to access cash to keep …

Credit card and loan inquiries happen when a bank, NBFC or any lender checks your credit report with TransUnion CIBIL before offering you credit. These checks help lenders understand your repayment behaviour, past loans and overall credit history. You can even check your own score from time to time. But many people worry about does …

When presented with a multitude of investment options, return on investment is a metric that can help you separate good bets from money pits. It allows you to evaluate potential ventures, predict profitability and mitigate risks.  Knowing the formulas to calculate it helps you make informed decisions and ensure that you never miss out on …

India’s monsoon season is a magical time when the hills come alive, rivers swell, and the air is thick with the scent of wet earth. But planning a perfect rainy-season getaway means picking the right destination, knowing how to reach and what to explore.   Here’s a list for top 10 monsoon destinations in India, complete …

While getting a credit card, one can think if they should get it or try something else, Maybe you cancelled a card in the past but now realise it was perfect for you. So, can you apply for the same credit card twice?  The good news is – you can definitely apply again for the …

Experts say it’s best to wait 6 months between new credit applications. This helps you avoid too much debt. But sometimes, it might make sense to apply for both together. So, what do you need to know about applying for a credit card and loan at the same time?  Let’s find out!  Applying for credit …

CIBIL score 1 means you don’t yet have a credit history. This can show up as ‘-1’ or ‘NH’ (no history) on your CIBIL report. It simply means you haven’t taken any loans or used a credit card yet.  There’s nothing wrong with it. It just means you’re starting fresh. Many new borrowers have a …

Taking out a personal loan is a big financial decision for anyone. As a doctor, you may consider a personal loan to help cover major purchases or investments. A personal loan for doctor can provide access to lump sums of cash. These loans usually have lower interest rates than credit cards. But, they also come …

If you’re a student or a parent, you may be aware of the rising cost of education. Thankfully, there’s an easy solution to finance these costs — education loans or personal loans. While both help solve the problem, it’s essential to get an overview of a personal loan vs an education loan. With this information, …