The Vibe Journal: Finance Blogs

Financial planning is important for your future, especially during retirement. Investing in various schemes and assets helps lower risks and get higher returns in your golden years. To access financial stability during retirement, the Government of India launched the National Pension Scheme (NPS). This scheme is open to all working-class employees except those in the …

Working capital is a financial metric helping businesses measure their short-term financial health. The calculation of the working capital starts by subtracting current liabilities from assets and then dividing net sales by the working capital. The working capital turnover ratio shows how efficiently a company uses its funds to keep the business running. It helps …

FASTag makes highway toll payments quick and cashless, just like an online wallet—you recharge and use it as needed.  If you need to deactivate your FASTag, it could be due to reasons like a lost tag, vehicle sale, or scrapping. You can close it online or offline via phone or email. Some issuers also offer …

In a business environment, finance management is necessary to ensure creditworthiness and economic stability. Just like a credit report assesses personal financial health, a Company Credit Report (CCR) helps businesses evaluate their financial position. This report determines your company’s creditworthiness and eligibility for new credit.  Compiled by credit institutions like CIBIL, this document uses data …

Investing in mutual funds? Then you’ve probably come across the term absolute returns at some point. But what exactly is absolute returns meaning and how does it impact your investments?   Read on to understand what is absolute return in mutual funds and other important facts.   ​​​Understanding Absolute Returns in Mutual Funds  ​​​Absolute return refers to …

If you’re looking to invest in mutual funds, you’ve probably come across the term NFO. But what exactly is NFO’s full form and should you invest in one?   Read on to learn about NFOs in mutual funds and more.   What is NFO in Mutual Funds?  ​​​A New Fund Offer (NFO) is when an asset management …

Investing in mutual funds? Smart choice! But do you know the cost of managing the investment? That’s where the Total Expense Ratio (TER) helps. Understanding what is TER in mutual funds can help you make smarter investment choices. Let’s break it down step by step. Read on to know the meaning of total expense ratio …

Public Provident Fund (PPF) is one of the most popular long-term savings options in India. It offers tax benefits, steady returns and a 15-year lock-in period. But what happens when you need to withdraw funds before maturity? Here is a clear and simple breakdown of the PPF withdrawal rules.  Read on to learn about the …

If you’re a salaried employee in India, you probably have an EPF account where a part of your salary is automatically saved every month. But did you know that linking your PAN card to your EPF can make managing your funds easier? It helps with smooth withdrawals and transfers become quicker when you switch jobs. …

The Indian government has launched an ambitious initiative called PAN 2.0 to examine the existing Permanent Account Number (PAN) system. This next-generation PAN card aims to make the system more secure, seamless and technology-driven. Read on to understand what it is exactly and how it works. Overview of PAN 2.0 Project PAN 2.0 refers to …