An emergency fund is not an investment. It is a financial shock absorber. Job loss, medical emergencies, sudden relocation, or unexpected repairs can disrupt income immediately. Without liquid savings, most people rely on credit cards or personal loans with interest rates ranging between 12% and 36% annually. Data from lending platforms shows that personal loan … Read more
Health insurance protects you from high medical expenses, but many claims get rejected due to avoidable mistakes. Missing documents, policy exclusions, room rent limits, or incorrect procedures often lead to financial loss when you need support the most. Most claim rejections are not because insurance doesn’t cover treatment — they happen because policy rules were … Read more
Term insurance is one of the most important financial products for protecting your family’s future. Yet many buyers choose policies based on agent recommendations, brand marketing, or low premiums — often without understanding coverage, claim conditions, or policy terms. The purpose of term insurance is simple: provide financial security to your dependents if something happens … Read more
Many people buy multiple insurance policies over time without reviewing what they already have. The result is overlapping coverage, unnecessary riders, high premiums, and confusion during claims. Insurance should protect financial risk — not drain your income. An insurance redundancy check helps you identify duplicate coverage, remove unnecessary policies, and reduce premium costs without compromising … Read more
Most home loan borrowers never check their loan statements carefully. They assume banks calculate everything correctly and simply continue paying EMIs for years. But small errors, hidden charges, and incorrect interest calculations can cost thousands — sometimes lakhs — over the loan tenure. A home loan statement audit helps you identify unnecessary charges, verify interest … Read more
Most investors focus on buying and selling shares but ignore an equally important task — maintaining their demat account properly. Many account freezes, claim delays, and transaction failures occur not because of market issues but due to incomplete account details, outdated records, or missing documentation. The demat cleanup 2026 process focuses on account hygiene — … Read more
Alternative Investment Funds have grown rapidly in India, attracting high-net-worth and institutional investors seeking diversification beyond traditional mutual funds and equities. However, limited transparency around valuation and reporting has long been a concern in this segment. The AIF NAV upload mandate introduces a major change in how Alternative Investment Funds disclose valuation data. The new … Read more
Regulatory updates often sound technical, but they directly impact how investors trade, invest, and manage risk. The latest SEBI circular roundup Feb 2026 includes important changes affecting market transparency, investor protection, compliance standards, and financial product monitoring. For retail investors, these updates are not just policy changes — they influence costs, disclosures, and investment safety. … Read more
Investors looking for safe and predictable returns often choose fixed deposits by default. However, rising interest rate uncertainty and changing market conditions have pushed many savers to explore alternatives. One option gaining attention is the RBI Floating Rate Bond. The RBI floating rate bond 2026 discussion focuses on when these bonds provide better returns than … Read more
Most investors start a Systematic Investment Plan (SIP) with a fixed amount and continue it for years without changes. While this creates disciplined investing, it also limits wealth growth potential. Income usually increases over time, but investments often remain unchanged. A structured SIP increase hack helps investors grow wealth faster by increasing contributions gradually without … Read more