Jiraaf Blogs

A repurchase agreement (repo) is a short-term, collateral-backed transaction in which one party raises funds by selling securities and agrees to buy them back at a higher price. Learn how repos work, how they are calculated, and why they matter for liquidity and monetary policy.  If you follow RBI policy announcements, you have probably come […]

Public debt is the total amount of money a government borrows to meet its financing requirements. It can come from domestic or foreign lenders and includes borrowings through government securities, T-bills, and other debt instruments.  If you are learning about government securities or trying to understand the debt market, public debt is one of the […]

Evaluating fixed-income opportunities requires looking beyond attractive yield figures to protect your capital. This blog breaks down the five primary red flags in bond listings, covering fundamental financials, credit ratings, liquidity constraints, yield anomalies, and regulatory documentation.  If you are looking to grow your wealth beyond traditional fixed deposits in India, debt platforms offer attractive […]

Summary: A CIBIL score is a three-digit measure of your credit history that lenders may use when assessing applications for loans and other credit. This guide explains the 300-900 range, scoring factors, credit enquiries, report errors and practical ways to improve your score. Quick Overview Your CIBIL score is important for loan approval, interest rate […]

An Employee Stock Option Plan (ESOP) is a form of equity compensation that gives employees the right to purchase company shares at a predetermined price after a specified period. This comprehensive guide covers the full form and meaning of ESOP, categorizes various equity structures, including ESPPs, RSUs, RSAs, and SARs, and explains how employee share […]

Summary: KYC, or Know Your Customer, is an identity verification process that financial institutions use to confirm who their customers are. This guide explains why KYC is required, how verification works, which documents may be needed, and how e-KYC, CKYC, and KYC updation work. Quick Overview If you have used apps like Paytm, Google Pay, […]

The see-saw portfolio rule is a dynamic framework for balancing risk and reward in Indian investment portfolios. This blog explains how to apply the rule through asset allocation, diversification, rebalancing, and strategic risk management tailored for long-term wealth building.  Building long-term wealth in Indian financial markets requires a steady approach. The Indian stock market, represented […]

Margin of safety is a foundational investment principle that involves purchasing securities at a significant discount to their intrinsic value to minimize risk of losses. This blog explores Benjamin Graham’s classic philosophy, provides step-by-step calculation methods for intrinsic value, and offers a practical guide for identifying undervalued stocks within the Indian market.  Investing in the stock market often feels like walking a tightrope. […]

The key difference between wealth management and investment management lies in their scope. Wealth management offers holistic financial planning, whereas investment management concentrates mainly on investment decisions and portfolio performance.  Choosing the right financial guidance often starts with understanding what kind of support you actually need. Do you need investment management focused primarily on your portfolio and market exposure, or […]