The Vibe Journal: Finance Blogs

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 …

 This guide covers every BSNL balance check number and BSNL balance enquiry number method available in 2026: USSD codes, SMS, the My BSNL app and the website, for prepaid and postpaid users. It takes about five minutes to read.  Running out of talk time or data mid-conversation is annoying and it usually happens at the worst possible …

Finding the best personal loan app in India involves more than approval speed. These 10 apps are evaluated on 8 factors that directly affect borrower costs and qualification ease. How We Compared the Apps This comparison uses publicly available information from lender websites, product pages, published terms, Key Fact Statement (KFS)-related disclosures where available, and …

STD Meaning in CIBIL Report: The Basics  STD in a CIBIL report stands for Standard. Put simply, the STD meaning in CIBIL report is that your account is in good standing, with no instalment overdue by 90 days or more. If you’ve just pulled up your credit report and spotted STD next to an account, that’s the marker lenders …

Every Indian Bank customer needs a fast way to check their balance and the good news is you have several. The official Indian Bank balance check number for missed calls is 96776 33000 and there is a separate Indian Bank balance enquiry number for SMS banking too. This guide covers the missed call, SMS, USSD, net banking, app, UPI, ATM and branch …

A promissory note is a written and signed promise to pay a fixed sum of money to a named person or the bearer, either on demand or by a set date. So, what is promissory note, exactly? It is one of the simplest legal instruments used in personal loans, business borrowing and informal lending across India. This …

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 …