The Vibe Journal: Finance Blogs

As per law, it is now mandatory that you have your Aadhaar card linked to a PAN card. This helps keep your PAN from becoming inoperative, according to the Income Tax Department. If you have not yet linked your Aadhaar Card and PAN card, you are liable to pay a ₹1,000 penalty or your PAN …

Need to withdraw your PF online? The process is quick and hassle-free with just a few simple steps. Whether for any emergency or retirement, knowing how to apply online ensures a smooth experience.   Read on to learn the step-by-step process to withdraw your PF easily from the comfort of your home.  What is Required for …

Every bank customer is assigned a unique 11-digit CIF number. This number stores all personal and account-related details in one place. It allows the bank to manage all your accounts under a single ID. This makes it easier to offer personalised services and maintain accurate records It also helps the bank track your account activity, …

NBFC, meaning a Non-Banking Financial Company is a type of institution that you can rely on for financial services, such as taking a loan, booking a fixed deposit or more. In India, there are many NBFCs, over 9,000 in number as of October 2022, who have changed the financial landscape for the better.  How? NBFCs …

Diwali holidays are the most fun and relaxing break that many look forward to every year. It is one of the most significant festivals across India and usually falls in October or November. In 2025, Diwali falls on 21st October (Tuesday), giving you the perfect opportunity to plan an extended weekend celebration.  But with grand …

You can finance a TV with a personal loan without any hassles and ensure you get the model you want. With the evolution of modern television sets, you now get smart TVs, offering not just an Ultra HD or 4K watching experience, but also interacting with you with Internet and Web 2.0 connectivity.  Modern TVs …

You can get a loan for a laptop, which has become an indispensable item for students and professionals. As such, you may be looking for one loaded with the latest features and specs. The best models come with a higher price tag, which can burn a hole in your savings.  Thankfully, with customised loans, you …

Ganesh Chaturthi is a popular and highly anticipated festival for many across India. The festival celebrates the birth of Lord Ganesha and has significant religious and cultural importance. It is also known as: People across India, especially in states like Maharashtra, Gujarat, Odisha, Uttar Pradesh, and Karnataka, celebrate the festival with tremendous enthusiasm. You can …

When you borrow from a lender, your Loan Account Number (LAN) acts as an identifier for you as a customer. This alphanumeric code corresponds to your loan account to help you track your loan details on the lender’s web platform.   When you get a loan, you must repay on time to service your obligation and …

If you are trying to figure out how to calculate EMI in Excel for a personal loan, you’ve come to the right place. This blog explains the EMI calculation formula in excel step-by-step, so you can know exactly how much you’ll need to pay every month. Calculating your EMI before applying for a loan helps …