The Vibe Journal: Finance Blogs

Dreaming of stamping your passport but worried about expenses? The good news is that international travel under 5 lakh is very much possible if you plan smartly. With affordable flights, visa-friendly countries and budget stays, many Indians are now exploring the world without draining their savings.   This guide is all about budget-friendly destinations. A group of affordable to mid-luxury destinations that give you …

International travel no longer needs to be postponed because of budget worries. With the right planning and destination choices, you can enjoy affordable international holidays that offer rich culture, scenic beauty, and great food. Many travellers searching online for a cheap country to visit from India are essentially looking for destinations that deliver great value without high expenses.  If you’re planning your next foreign holiday and …

India’s workplace rules are getting a long-awaited upgrade. With the new labour codes India 2025, the way your salary is structured, how much you save for retirement and even how banks judge your loan eligibility could change.  Sounds complex? Don’t worry. Let’s break it down in simple terms and understand what it really means for your monthly pay, benefits and borrowing power.  What are the New Labour Codes All …

Understanding net profit is essential for anyone managing money or running a business. Whether you are checking financial health, planning for growth, or reviewing performance, knowing what net profit and net income mean can help you make smarter decisions. In simple terms, net profit is the money left after a business pays all its expenses. …

We often hear the terms HNI and Ultra HNI in financial reports, wealth management discussions and investment advisories. These categories help financial institutions identify clients who need specialised services due to their high wealth levels. Understanding the high net worth individual helps clarify how individuals are classified based on their financial strength and investing capacity. …

Saving becomes more purposeful as individuals enter their retirement years. The Senior Citizen Savings Scheme (SCSS) remains one of India’s most trusted government-backed savings options for anyone seeking guaranteed returns and a steady income. As we move into 2025, the interest in saving schemes for senior citizens continues to rise due to their reliability and …

Your Provident Fund (PF) account is one of the most reliable ways to build long-term financial security. However, many employees struggle to locate or remember their PF account number, especially when changing jobs or accessing their Employees’ Provident Fund Organisation (EPFO) account online. In this guide, we’ll explain what a PF account number is, how …

When it comes to building long-term wealth, investors often wonder whether to choose mutual funds or Portfolio Management Services (PMS) or both. While both are popular investment options, they cater to different investor segments, offer different levels of control and come with varying costs and returns. Let’s explore what each of them means, how they …

When investing in mutual funds, it’s crucial to ensure your investments are protected for your loved ones. One of the simplest ways to do this is by adding a nominee. A nominee acts as the legal custodian of your investments in the event of your unfortunate demise, ensuring a smooth transfer of units to your …

A UCO Bank Savings Account offers a reliable way to manage your finances while earning attractive interest on your deposits. As one of India’s oldest nationalised banks, UCO Bank provides diverse savings account options designed for individuals, students, minors and pensioners. Whether you’re opening your first account or looking for better digital banking convenience, this …