Jiraaf Blogs

Imagine finding a wallet full of cash with no name on it. Whoever holds it, owns it. No questions asked, no identity checks, just pure possession. There’s no name written on it, so the one who finds it becomes the owner. Sounds unusual in today’s regulated financial world, right? That’s exactly the kind of intrigue […]

In today’s fast-paced financial world, building trust and ensuring stability often decide the success of any venture. Whether you are a business owner, contractor, or investor, knowing about tools that safeguard your interests can help you make smarter financial decisions and work with greater confidence.  A surety bond is one such tool. It acts as […]

The Indian economy is flashing two very different signals at the same time.   On the one hand, inflation has cooled dramatically. Retail inflation for July 2025 came in at just 1.55%. This follows the surprisingly low figure of 2.1% for June 2025. The July figure is the lowest since 2017 and well below the Reserve […]

In India, families can legally pool their income and reduce their taxes by forming a Hindu Undivided Family (HUF). With its own PAN, bank account, and tax returns, it handles the family as a single entity. The HUF can be used to channel income from investments, rent, or inherited property. The major benefit? By distributing […]

When you leave a job after several years of service in India, you’ll likely be entitled to gratuity—a statutory lump sum benefit paid by your employer under the Payment of Gratuity Act, 1972. It’s designed to reward long-term commitment. Gratuity isn’t included in your regular salary; instead, you receive it when your employment terminates due […]

A credit score is an important sign of your financial stability and reliability. It is a three-digit rating that ranges from 300 to 900 in India and indicates how successfully you manage credit. Higher ratings indicate reliability, while lower scores raise concerns for lenders. In India, the CIBIL score (issued by TransUnion CIBIL) is the […]

Imagine building up your savings over several months before you eventually purchase the car of your dreams. Think about this: would you ever drive that car without insurance, even for short distances? Not likely. Your plans could be derailed by a ding, an accident, or even a stolen part because problems don’t always show up […]

Thematic investing extends beyond conventional industries like banking and pharmaceuticals. It focuses on significant worldwide trends that are anticipated to influence the future, like demographic changes, AI, and renewable energy. Investors hope to profit from long-term growth fueled by social, technological, and economic transformation by coordinating their portfolios with these themes.  Understanding Thematic Investing   Building […]

In an era where technology, data, and algorithms dominate every aspect of finance, quantitative investing has emerged as a sophisticated strategy reshaping how portfolios are managed.   Moving beyond intuition or qualitative judgment, this approach relies on mathematical models, historical data, and algorithmic execution to drive investment decisions.  This blog provides a detailed understanding of what […]