Simple & Educational Financial Knowledge for Everyone
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Introduction: Index Fund vs Large Cap Fund – Which Is Safer? When beginners start investing in mutual funds, one of the most common questions they ask is “Index Fund vs Large Cap Fund: which is safer?” Both fund types invest in large, well-established companies, yet their investment styles and risk levels differ. If you are … Read more
Does checking CIBIL score reduce credit score?This is one of the most common questions among Indian borrowers who regularly monitor their credit health. Many people hesitate to check their CIBIL score because they fear it might negatively affect their credit score. In reality, understanding how CIBIL score checks work can help you make smarter financial … Read more
A CIBIL score of 550 indicates poor credit health and can lead to loan rejections, higher interest rates, or limited credit options. The good news is that a low score is not permanent. With the right strategy, discipline, and patience, it is absolutely possible to improve CIBIL score from 550 to 750. This detailed guide … Read more
A good CIBIL score is essential for getting loans, credit cards, and better interest rates in India. Many people regularly check their CIBIL score and take steps like paying EMIs on time or closing loans, expecting their score to improve. But a common frustration is CIBIL score not updated even after doing everything right. If … Read more
Getting a loan usually requires proof of income such as salary slips, bank statements, or income tax returns. But many people in India—like freelancers, self-employed individuals, small business owners, students, and homemakers—often wonder: The loan without income proof in India is usually offered by NBFCs, gold loan providers, and digital lenders under specific conditions. The … Read more
The 50-30-20 rule in India is a simple budgeting method that helps salaried individuals manage expenses, savings, and investments effectively. Managing money can feel overwhelming, especially when income is limited and expenses keep rising. Many Indians earn a fixed monthly salary but still struggle with savings, investments, and unexpected expenses. This is where the 50-30-20 … Read more
Investing is one of the most important financial decisions you make, especially when you are just starting your financial journey. For beginners in India, the most common confusion is choosing between Mutual Funds and Fixed Deposits (FDs). Both options are popular, trusted, and widely used. But they serve different purposes. In this article, we will … Read more
CIBIL score explained clearly helps you understand how your credit score works and how it affects loans, credit cards, and interest rates in India.. Many people hear the term “CIBIL score” but do not fully understand how it works or how to improve it quickly. In this guide, we will explain what a CIBIL score … Read more
How compounding works is one of the most powerful concepts in investing and long-term wealth creation. Many beginners save money regularly but do not realize how compounding can significantly grow their wealth over time. In this article, you will learn how compounding works, why time matters more than money, and how even small investments can … Read more
Saving vs Investing is one of the most important financial concepts every beginner must understand.. From childhood, we are told to save a portion of our income for future needs. While saving is important for safety, saving alone is no longer enough in today’s economy. Rising inflation slowly reduces the value of money kept in … Read more