The Vibe Journal: Finance Blogs

High-income taxpayers often face a sharp increase in tax liability when their income crosses a surcharge threshold. To prevent an unfair tax burden in such situations, the Indian tax system provides a provision known as marginal relief. Understanding marginal relief in income tax is essential for individuals whose income slightly exceeds the specified limits. In …

Understanding income tax for women is essential for effective financial planning, especially as more women participate actively in the workforce and investment ecosystem. While income tax laws in India are largely gender-neutral today, knowing the applicable tax slabs for women, exemptions and deductions can help women taxpayers make informed decisions. Here you will understand the …

Many people often ask why the financial year starts from April in India when the calendar year begins in January. This structure may seem unusual at first, especially when comparing India with several Western countries. However, the decision to follow an April to March financial year is deeply rooted in India’s economic history, climate patterns …

Investing in shares and securities has become easier with demat accounts. However, for investors with limited holdings, maintaining a regular demat account may feel unnecessary and expensive. To address this, SEBI introduced the Basic Services Demat Account (BSDA). This account type is designed to make investing affordable and accessible for small investors. In this guide, …

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 …

With digital banking and online transactions becoming everyday activities, security is essential. A One-Time Password (OTP) adds an extra layer of protection for activities like logging in or confirming financial transactions. OTPs help ensure that only the rightful user can access an account or complete a sensitive action. Read on to know what it is, …

India’s banking ecosystem is diverse, catering to people from different income groups, professions and regions. While large commercial banks dominate urban finance, cooperative banks continue to play a vital role in strengthening local economies and supporting community-based financial needs. At the same time, modern financial needs often go beyond what traditional cooperative banking can offer. …

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 …

Interest rates influence almost every financial decision, from where you save to when you borrow. One key rate that quietly shapes these decisions is the repo rate. Many people ask how the repo rate affects fixed deposit returns and whether FD rates will rise or fall when the Reserve Bank of India makes a move. …

Managing your finances today is easier when your documentation is simple, centralised and accepted everywhere. This is exactly where CKYC comes in. Whether you are opening a savings account, applying for investments or planning to take a personal loan, understanding what is CKYC number can save time and effort. At Fibe, we believe financial access …