Summary: This article outlines practical strategies to maintain a CIBIL score of 800 or higher, emphasizing timely payments, low credit utilization, and disciplined debt management for better loan terms and financial stability. Introduction I know that you are aware how important a CIBIL score is in for us, if not, I’ll suggest you read this…
Summary: Let’s explore whether you can live a normal life in India without a credit score, highlighting how daily expenses can be managed without one, but major goals like buying a house or traveling abroad often require a credit history for smoother, cost-effective outcomes. Introduction Why everyone keeps talking about credit scores? You’ve got your…
Summary: This article guides young people with no credit history on building a credit score from zero, detailing the timeline, six months for a starter score, 12–18 months for a “good” score, and 18–36 months for an “excellent” score—while sharing practical hacks and common pitfalls to avoid. Introduction Recently I got an email from one…
Summary: This guide explains credit scores and reports in India, detailing how to build and improve your credit for better loan and credit card opportunities. Introduction You’ve probably heard the term “credit score” being used casually by people around you. Do you know what it actually means? I’ll tell you more about what is “credit”…
Summary: The Gensol Engineering saga traces the rise and fall of a promising solar energy company, from its 2019 IPO and peak stock price of Rs. 2,300 to a 91% crash by April 2025, triggered by crippling debt, credit downgrades, and SEBI’s fraud allegations against founders Anmol and Puneet Singh Jaggi, who misused funds, dragging…
Summary: This article guides you through practical steps and smart saving options like PPF, RDs, and mutual funds to build your first one lakh, emphasizing discipline, budgeting, and small lifestyle changes for financial success. Introduction You’ve set your sight on saving your first one lakh rupees? That’s a fantastic goal. One lakh might not seem…
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Summary: Discover how to save money for what matters most to you and your family with a simple, step-by-step guide tailored for Indian households. Learn to prioritize your goals, manage your income, and build a disciplined saving habit. This practical approach helps you stay prepared for life’s big moments, one small step at a time….
Summary: This article we’ll explore whether saving or investing is more important, comparing their benefits and risks, and guides you on choosing the right option for your financial goals with practical Indian examples. Jump here to see a mind-cap & a comparison table. Introduction I know how much we value every rupee (our income). Growing…
Summary Point: This article explains how to lock savings by separating salary and savings accounts, disabling easy access, using goal-based SIPs and ELSS, adjusting savings rates, and managing unexpected expenses with credit cards. Jump to the mind map. Introduction Most people who are reading this blog post are ones who have their own savings account….
Summary Points: I explain the four quadrants: E, S, B, I. E and S mean trading time for money. B and I focus on systems and passive income. I share my journey from E to B and I. Small steps can help you move to financial freedom. Introduction Today, I want to talk about something…
Summary Points: Trump announced tariffs on April 2. Stock market crashed, but he didn’t budge. Bond auction flopped on April 8. Hedge funds sold bonds, raising yields. Trump paused tariffs, except on China. India’s reserves felt the bond impact. Introduction You might have heard about Donald Trump’s sudden U-turn on his reciprocal tariff plans 10…
Summary Points: I explored crypto stocks in India. No listed crypto exchanges or crypto mining companies exist. Regulatory uncertainty limits listings. WazirX and CoinDCX are unlisted. Some listed IT companies do offer blockchain based business to their clients (check this list). Investors can buy crypto directly instead of a crypto stock. Introduction I tried to…
