Finance Blogs

SUMMARY  This guide explains what investment banking means, how it works and the core services investment banks offer in India. In under 10 minutes, you’ll understand how investment banking differs from commercial banking, who typically uses these services and how a deal like an IPO actually gets done.  Investment banking is a specialised branch of banking that helps companies, …

E-nomination in a PF account lets you name a family member or any other person if you have no family, to receive your EPF, EPS and EDLI benefits if something happens to you. This guide explains how to do e nomination in PF account so your family never has to chase paperwork later. The EPFO e nomination online process …

Getting an MBA or a professional certification is a deal and it costs a lot of money but it can also bring in a lot of benefits. The cost of an MBA in India can be very high it can be between ₹10 lakhs to ₹35 lakhs so it is very important to plan and find the right way to pay for it.  …

When you lose your job, the first thing you need to do to manage your EMI is to tell your lender about it. You should look into options like taking a break from paying your EMI or changing the way you pay it. Make a list of the things you really need to buy and …

April 1st marks the beginning of the financial year in India. While the calendar year starts in January, India follows an April to March cycle due to historical practices, agricultural patterns and administrative convenience. Since harvest income and business activity often rise around April, it became a practical time for the government to plan budgets, taxation and financial reporting.  In this …

Every year, the Union Budget decides whether salaried professionals breathe a little easier or just refresh their salary slip and move on. The Union Budget 2026-27, presented on 1 February 2026, was keenly watched by India’s working middle class — especially for income tax relief, cost-of-living support, and job creation. While the budget may not …

Managing money can feel overwhelming when expenses, EMIs and savings goals compete for your monthly income. This is where simple budgeting frameworks help. One of the most practical and widely used methods is the 50/30/20 rule. Understanding the 50/30/20 Rule of Money The 50/30/20 rule is a simple money management framework that divides your monthly …

The first salary feels like freedom. New phone, weekend plans, better clothes, maybe even a bigger house. But somewhere between your 20s and 30s, that excitement quietly turns into questions like, ‘Why don’t I have enough savings?’  This is how finance mistakes 20s 30s sneak in subtle, common and rarely talked about. Many young adults use their first salary on lifestyle purchases instead of savings, without realising how deeply …

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. …