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Financial food for thought
PPF (Public Provident Fund) is a government-backed investment scheme available to all Indians. It's one of the most popular ways to build a long-term corpus, and it comes with an investment period of 15 years.
Planning for your child’s future education is not a trivial thing to overlook. You may think you can “cross the bridge when you come to it”, but by that time you may realize that you don’t have enough funds to get your child admitted in his/her dream college.
Kisan Vikas Patra (KVP) is a post office saving certificate scheme which was launched in 1988. This saving plan does not have maximum ceiling of investment which makes it a lucrative option for risk-free investors.
Both Fixed Deposit (FD) and Recurring Deposit (RD) are safe investment avenues which are ideal for individuals who look for risk-free returns. Though all the banks offer the same rate of interest on both the investment schemes, many people find themselves in a confused state to make the best choice between the two.
The Employees’ Provident Fund (EPF) is a savings scheme introduced under the Employees’ Provident Fund and Miscellaneous Act, 1952. It is administered and managed by the Central Board of Trustees that consists of representatives from three parties, namely, the government, the employers and the employees. The Employees’ Provident Fund Organization (EPFO) assists this board in its activities. EPFO works under the direct jurisdiction of the government and is managed through the Ministry of Labour and Employment.
Pradhan Mantri Jan Dhan Yojana is a scheme that was launched by the Government of India to ensure the financial inclusion of all the Indian citizens who do not have a bank account in India. It was a nationwide scheme that was launched in August 2014. This particular scheme aims to provide access to financial services such as banking, saving accounts, deposits, credit, insurance and pensions in an accessible manner to all Indian citizens.
There have been several schemes launched in our country to empower women to become self-reliant and independent. You may have noticed that there are special conveniences offered to women such as separate seating arrangements in public transport, special coaches in trains, reservation in jobs, exclusive scholarships, interest rate concession in education loan schemes and special insurance schemes, etc.
The interim budget of the outgoing government was presented on 1st Feb 2019. This being the last budget of the ruling party was expected to be populist in nature. However, experts say that this budget was balanced and tried to offer something to all sectors and classes of population.
The Pradhan Mantri Suraksha Bima Yojana and the Pradhan Mantri Jeevan Jyoti Bima Yojana are insurance schemes launched by the Indian government to ensure that even the poorer sections of our society have some kind of insurance in the face of adverse accidents to help them through financial adversities.
As much as we wish that money was not important, it is hard to deny that finances are extremely important in our life. If not used efficiently, lack of financial resources can put you in a bad spot. But of course, mistakes are made at times, but they are always corrigible. Let us see how simple lifestyle changes can put your finances back on track
Gone are the days when payments had to be made by using the same city cheque or a demand draft. With a variety of transfer options like NEFT, IMPS etc, instant money transfer has been made possible. All it requires is a bank account holder's name, account number, and the bank IFSC code.
With the ongoing Independence Day celebrations, the biggest e-commerce companies such as Amazon, Flipkart have launched a week of ‘Big Freedom Sale’. With the festival season around the corner , it indeed is the time of raining offers. Find out to know what this Independence Day has in store for you!
Whenever anyone talks about shares , what they are really talking about is common stocks. These are the basic stock that is available in the market providing equity to the buyer granting ownership in a company and a claim on a portion of the company’s net profits. Common stockholders also have the right to elect the board members of the company. These stocks will not provide any fixed income in the form of dividends as it is not mandatory for the company to pay dividends. Instead the buyer can sell the stocks for higher prices than what they bought it for making profits.
Many people wish to buy a car or two-wheeler once they secure a job. Though it is a necessity, investing in a depreciating asset or liability would bring additional expenses to you. There are lot of investment options that keep growing and all you may have to do is invest a minor part of your income into it. Make a thorough research and invest smartly to enjoy the benefits abundantly.
Your life insurance policy should cover minimum and basic expenses of your family. Your dependents life should not significantly alter in your absence. If you are spending INR 15,000 per month for your family, your insurance should make sure that your family is able to get the same amount after your death. If necessary, a little extra amount should be taken to adjust for inflation.
The Public Provident Fund (PPF) Scheme was started in 1968 and is a popular long-term investment option that offers a relatively high rate of interest which is tax free.What are the benefits of the Public Provident Fund (PPF) Scheme?Safe: It is backed by the Government of IndiaAttractive rate of interest: It offers a rate of 8.1 % per annum which is higher than many fixed deposit offerings.Tax free – Both the principal deposited and t
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