Jiraaf Blogs

When it comes to secure investment options backed by the government, RBI Bonds (issued by the Reserve Bank of India on behalf of the Government of India) are among the most trusted fixed-income instruments for Indian investors. These bonds offer capital safety, predictable interest returns, and long-term financial stability, especially for conservative or risk-averse investors.  […]

Balancing any investment’s safety, tenure, returns and risk is no easy feat. But if those bonds are backed by the government and come from the RBI, they strike that perfect balance.   One such instrument gaining attention is the RBI Floating Rate Savings Bonds. They provide investors a unique investment opportunity that combines sovereign security with […]

Debentures are a way for companies to borrow money directly from the public instead of going through banks. Investors step in as lenders, providing funds that the business can use for growth, day-to-day operations, or refinancing old borrowings. Some debentures are backed by specific assets, while others rely only on the issuer’s reputation and credit […]

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 […]

Have you ever wondered if the right thing to do is save money instead of investing it, or should you choose investment rather than saving up? Well, you’re not alone. This is one of the most common personal finance dilemmas. Some swear by the safety of savings accounts, while others chase market returns through investments. […]

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 […]

If you’re looking for a safe and steady source of income, especially post-retirement or alongside other savings instruments, the Post Office Monthly Income Scheme (POMIS) is one of the most reliable options available in India. Backed by the Government of India and offered through India Post, POMIS ensures fixed monthly returns and capital protection, making […]

The battle between bulls and bears is as old as Dalal Street. While you swing from one to the other, your portfolio can hint at the market’s current phase. If your portfolio is a sea of red, making you want to scream in anguish, it is probably a bear market. If, on the other hand, […]

AI has integrated itself into the world around us by chatting like a human, editing our images, writing poems, stories, codes, recipes, and so much more. But it isn’t just for the creatives to dabble in; it has also brought about disruption in the investment world.  Imagine having a super-intelligent buddy who never sleeps, constantly […]