Everything you should know in the world of Finance

With gold prices on the rise, many Indian families are revisiting old gold jewellery lying idle in lockers. With adequate research, one can unlock the value of this yellow metal via gold loans. Financial institutions provide funds against the collateral of gold jewellery and coins at attractive terms. If managed well, a gold loan can meet several financial goals without straining your finances. 

Opting for a mortgage loan means pledging your house or office as security to access funds from a bank or NBFC. The rate of interest you are offered plays a big role in how much you will end up repaying over the years. Before you start the process, it’s worth understanding how these rates work and what factors might influence the deal you get.

Investors are constantly looking for more clever ways to capture maximum returns via the stock market. That’s why leverage trading is slowly becoming more popular. One of the best ways to do this is by using a margin trade financing (MTF) account. When used by investors, it allows them to buy more securities than they could with just their own available capital by borrowing a portion of the purchase cost from a broker. 

Giving your home a fresh look often requires arranging substantial funds for remodelling and refurbishment. While self-financing minor repairs is possible, extensive renovations like remodelling the kitchen or adding new rooms typically need external funding. Availing loans specifically for home improvements has become easier in India with various banks and non-banking financial companies (NBFCs) offering tailored credit solutions.

Purchasing a three-wheeler, whether for commercial or passenger use, is a significant investment. Selecting the right loan to finance this purchase is just as important as choosing the vehicle itself. A well-structured loan can ease your financial burden, support your business goals, and prevent long-term debt traps. 

Here’s an in-depth three-wheeler and auto-rickshaw loan guide to help you choose the right loan for three-wheeler, whether you are getting a traditional fuel-based vehicle or an electric variant.

The Atal Pension Yojana (APY) is a government-backed pension scheme in India, designed primarily for individuals in the unorganised sector. Launched in 2015, it aims to provide a steady income stream post-retirement, ensuring financial security for those who may not have access to formal pension systems. The scheme offers multiple pension plans with varying monthly pension amounts, ranging from ₹1,000 to ₹5,000. To be eligible for this scheme, you must be between 18 and 40 years of age and have a valid bank account.

Dairy farmers work hard to manage their farms, but they often need a reliable vehicle to transport milk, feed, or supplies. Buying a new car can be expensive. Used car loans can be a practical option for dairy farmers. This article explains how these loans can help manage costs, support farm operations, and offer flexible financing options.

Sound credit health is fundamental to securing favourable financial opportunities, particularly when considering a personal loan. Personal loans offer a convenient way to access funds for various needs, such as home improvements, medical expenses, or debt consolidation, without requiring collateral. Unlike secured loans that require collateral, personal loans are based on your creditworthiness. Your creditworthiness, or credit health, is a measure of your financial reliability.

Buying a car is an exciting yet costly endeavour for most people in India. For healthcare professionals, having a reliable vehicle can make commuting to hospitals, clinics, and patient visits much more convenient. However, healthcare workers also have significant financial obligations, including housing, medical school loans, insurance premiums, and more. 

In India, auto loans typically span several years, with applicants paying nearly double the original loan amount when interest and other charges levied by the lending institutions are included. Over the duration of the loan tenure, you slowly build equity in the car, which refers to its current resale value minus the pending loan amount.