Blogs

The Reserve Bank of India defines non-performing assets (NPAs) in India as any advance or loan that has been past due for more than 90 days. To better align with worldwide practices, the RBI established the 90-day overdue criterion for recognizing NPAs, which became effective with the fiscal year ending March 31, 2004. Non-performing assets are […]

Home loan insurance, also known as a Home Loan Protection Plan (HLPP), is a risk cover that repays your outstanding home loan in case of unfortunate events like the borrower’s death during the loan term or permanent disability. The coverage typically matches the loan amount and gradually reduces as you repay the loan. Premiums can […]

What if you could accumulate wealth and safeguard your family at the same time? That is precisely what investment insurance does, combining market-linked returns with life insurance. However, is it wise to purchase mutual funds and term insurance separately? What is the difference in returns? Let’s unravel this hybrid tool. Today, we’ll discuss what investment-linked insurance is, how […]

In the world of investing, performance measurement is crucial. Whether you’re managing a personal portfolio or overseeing an institutional fund, understanding how well your investments are doing can shape your future decisions. Among the many metrics available, absolute return is a widely used and straightforward measure. It tells you, in plain numbers, how much your […]

Value investing is a time-tested investment approach that involves identifying and purchasing securities that are undervalued compared to their intrinsic worth. The core idea is to buy low and hold until the market recognizes the true value of these assets. This strategy is rooted in fundamental analysis and focuses on long-term wealth creation rather than […]

The Indian retirement ecosystem is undergoing a transformation with the proposed Unified Pension Scheme (UPS). Aimed at simplifying and consolidating multiple existing retirement benefits, the UPS seeks to bring private and public sector workers under one umbrella pension system. This initiative, if rolled out widely, could become the backbone of India’s pension policy — combining […]

In the dynamic world of personal finance, liquidity and access to short-term credit play a critical role. For investors who prefer low-risk instruments like Fixed Deposits (FDs), there’s a financial tool that offers credit flexibility without having to break the FD—this is known as Overdraft (OD) against FD.  An OD against FD is a secured […]

The Atal Pension Yojana (APY), launched by the Government of India in 2015, is a targeted pension scheme aimed at workers in the unorganised sector. Managed by the Pension Fund Regulatory and Development Authority (PFRDA) and facilitated through the NSDL CRA (Central Recordkeeping Agency), the APY ensures that every Indian—especially those without formal social security—can […]

You might’ve come across the term deferred tax liability (DTL) in a company’s financial report or while planning your taxes. And if we’re being honest, it sounds more complicated than it actually is. In simple terms, DTL is a future tax you owe but don’t need to pay just yet. It arises because the tax rules and […]

Jeevan Pramaan Patra, also known as the Digital Life Certificate (DLC), is a transformative initiative by the Government of India that digitizes the process of life certification for pensioners. Traditionally, pensioners needed to be physically present at the pension disbursing agency to submit their annual life certificate—a requirement that posed challenges, especially for elderly and […]