The Vibe Journal: Finance Blogs

SUMMARY  This article explains the difference between tax saver FD and regular FD across tenure, tax benefits, loan facility and lock-in, so you can decide which suits your goals in about five minutes.  A tax saver FD and a regular FD are both fixed deposits offered by banks, but they serve very different purposes. A regular FD …

SUMMARY  This article compares debt funds vs FD on returns, safety, liquidity and the post-Budget 2023 tax rules, so you can decide which suits your goals in 2026, in about six minutes.  Both debt funds and fixed deposits (FDs) are popular choices for conservative investors who want steady returns without equity market volatility, but they work very …

SUMMARY  This guide explains how to unfreeze a bank account, covering the common reasons accounts get frozen in India, the different freeze types, and dedicated step-by-step processes for Income Tax and KYC-related freezes, in about six minutes.  A frozen bank account stops you from withdrawing money, transferring funds or sometimes even checking your balance, and …

SUMMARY  This article covers the real advantages and disadvantages of a zero balance account, based on RBI’s updated 2026 BSBD rules. It explains how the account works, its withdrawal limits and interest, and who should consider opening one, in a five-minute read.  A zero balance account, formally called a Basic Savings Bank Deposit Account (BSBDA), lets you open and …

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, …

SUMMARY  This guide explains what a credit card against FD is, how it works, and how it compares with a regular credit card. It covers eligibility, documents and fees so you can decide in under five minutes whether this secured card suits your needs.  A credit card against FD is a secured credit card issued against the …

This guide explains IDCW in mutual fund schemes – the full form, what it means, how payouts work and how it’s taxed. It takes about 7 minutes to read and covers everything you need before choosing between the IDCW and Growth options.  IDCW stands for Income Distribution cum Capital Withdrawal – a mutual fund payout option where the scheme periodically distributes …

This guide covers the minimum investment in mutual fund in India, including how SIP and lump sum minimums differ, category-wise limits and what actually matters beyond the entry amount. It takes about 6 minutes to read and gives you enough to start investing with confidence.  The minimum investment in mutual fund schemes in India starts as low …

This guide explains how to change the EMI date of a personal loan, including when lenders allow it, the exact steps to request a change and the charges involved. Most requests take 7 to 15 working days to process once submitted, so it helps to plan the switch a month ahead of your next due date.  …

This guide covers exactly what to do if your ATM card is lost: how to block it via the app, net banking or a phone call, step by step, and how to apply for a replacement once it’s blocked. You’ll also find out whether a lost card can be misused without your PIN. It’s a five-minute read that could save you a much …