Jiraaf Blogs

Explore how corporate bonds can turn your savings into a second income stream. This blog explains their benefits, types, and steps to diversify your salary with consistent, low-risk returns. Did you know that over 40% of salaried professionals today have two or more sources of income? They earn from multiple sources for a reason; what […]

Retirement marks a financial shift, one where you move from primarily earning through work to earning through what you’ve built over the years. And after years of working, saving, and planning, at this stage, you should be able to enjoy the rewards of your efforts with stability, predictability, and peace of mind.  But stability and […]

Step-up bonds offer investors scheduled increases in coupon payouts, giving them predictable income that grows over time. This blog explains how they work, where you can invest in them, how they differ from fixed coupon bonds, and who they’re best suited for.  When you start working out, you don’t lift your heaviest weight on day […]

Earning overseas while investing in India puts NRIs in a uniquely strong position. You have access to two financial systems, two currencies, and a wider set of wealth-building opportunities. But with banking rules, account types, repatriation limits, and tax structures all working differently for non-residents, the process doesn’t always feel as straightforward as it should.   […]

Confused between lump sum and SIP investment? This blog explores the features, differences, and which option might be better for your needs.  Not everyone has five or ten lakhs sitting in their bank account waiting to be invested. While some investors have lump sums available, others build wealth gradually, month by month. Your financial situation […]

Looking for ways to grow your short-term money without risking your capital? This guide breaks down instruments suited for durations from 1 month to 3 years, helping you make smarter decisions for your near-term financial goals.  Short-term financial planning often exposes a gap in our investing habits that we can sometimes overlook: our tendency to […]

Fixed-income investments are among the most trusted avenues in India, but they don’t all serve the same purpose. Some offer higher yields, others provide tax advantages, and a few are designed purely for capital preservation. But higher yields usually come with higher risk, and capital preservation might result in restricted growth. So, choosing one that […]

If your financial goals demand safety and certainty from assets, this list is for you. Discover the safest investment options in India that offer predictable and guaranteed returns.  Some financial goals can ride out the highs and lows of the market, but others cannot. Things like building an emergency or vacation fund, creating a steady […]

For generations, women have found creative and resourceful ways to manage money—stretching household budgets, saving for rainy days, and planning ahead with remarkable foresight, even invest in gold (mostly through jewelry). Yet, when it came to formal investing, their participation often remained limited.  But that’s changing now; with greater financial independence and exposure to opportunities, […]