Author: Naresh Saini

Small businesses and startups are the backbone of the Indian economy. They create jobs, boost local economies, and encourage innovation at the grassroots level. However, many of them face a common problem — a lack of easy access to funds. Understanding this critical need, the Government of India launched the Pradhan Mantri Mudra Yojana (PMMY) in 2015 to offer financial support to micro and small enterprises. Under PM Mudra Yojana, small businesses can get easy, collateral-free loans up to Rs. 10 lakh through banks, non-banking financial companies (NBFCs), and microfinance institutions (MFIs). The aim is simple — to empower entrepreneurs,…

Planning for the future often means saving for retirement, but simply putting money in a savings account or a fixed deposit may not be enough. With rising life expectancy and increasing living expenses, ensuring a steady income after retirement is more important than ever. That’s where an annuity plan can step in. In this comprehensive guide, we’ll explore what an annuity plan is, how it works, and why it may be the right investment choice for securing your post-retirement life. What is an Annuity Plan? An annuity plan is a financial product designed to provide you with a regular income…

In 2025, the Employees’ Provident Fund Organisation (EPFO) brought major updates to its system to make things easier for crores of salaried employees. From transferring your Provident Fund (PF) during job change to getting your pension in any bank, these changes make the entire experience more digital, fast, and transparent. Here’s a simple explanation of the 5 big changes EPFO made this year: 1. Profile Update Made Simple With Aadhaar If your UAN (Universal Account Number) is linked to Aadhaar, you can now update your EPFO profile easily without needing extra documents. You can change your name, date of birth,…

Terrorist attacks are unexpected, tragic, and emotionally devastating for everyone affected. In such heartbreaking situations, families not only face a deep personal loss but also find themselves dealing with financial uncertainties. While no amount of money can replace a life, insurance plays a vital role in offering some financial support to the victim’s family. But a big question arises: What does insurance cover if someone dies in a terrorist attack? Is it treated the same as a normal death? Are there any special conditions or exclusions? Let’s break it down in simple, clear language. 🛡️ Is Death in a Terrorist…

In today’s digital world, your PAN (Permanent Account Number) and Aadhaar are not just simple ID numbers — they are gateways to your financial and personal life. Whether you’re opening a bank account, filing taxes, or verifying your identity for a mobile connection, these two documents are often used together. But this increased use also brings greater risk of fraud, data theft, and misuse. Criminals can use your PAN and Aadhaar to take loans, make illegal transactions, or even create fake identities. So, how can you secure PAN and Aadhaar from falling into the wrong hands? In this article, you’ll…

In a world of unpredictable market swings and risky investment options, many Indian investors, especially in rural and semi-urban areas, look for safe and secure investment schemes. The Kisan Vikas Patra (KVP) Yojana, offered by India Post, is one such dependable saving instrument. This long-term, government-backed scheme is designed for people who prefer steady and risk-free returns on their hard-earned money. It ensures your investment doubles in a fixed number of years, regardless of market conditions. Let’s explore this scheme in detail and understand why it’s still one of the most preferred saving options among Indians. What is Kisan Vikas…

The Public Provident Fund (PPF) is one of the most trusted long-term savings schemes in India. Backed by the government, PPF is not just safe, but also comes with tax benefits and decent interest returns. Because of this, many people consider it a smart option for future savings, especially for retirement or children’s education. But there’s one question that often creates confusion among savers — “Can I open more than one PPF account in my name?” This doubt usually comes from people who wish to invest more than the yearly limit or those who want to open an account in…

Investing is not just about putting your money into stocks or mutual funds and hoping for the best. It’s a disciplined journey that combines knowledge, strategy, patience, and risk management. While everyone dreams of making big money through investments, the reality is that only a few succeed, and they do so by following key financial lessons. Whether you’re a beginner or someone looking to sharpen your investment game, these 10 essential financial lessons will guide you to smarter choices, reduced risk, and potentially higher returns. Let’s unlock the strategies that wealthy investors swear by. 1. Start Early – Time is…

Planning for retirement is one of the most important financial decisions in life. In India, two of the most popular retirement-saving options are the National Pension System (NPS) and the Public Provident Fund (PPF). Both are backed by the government, offer tax benefits, and help you build a retirement corpus. But they differ significantly in structure, returns, withdrawal rules, and risk profile. If you are confused about NPS vs PPF: who to choose for retirement, this detailed comparison will help you decide what suits your long-term financial goals better. Understanding NPS and PPF in Simple Terms What is the National…

Many people think retirement is far away and avoid planning for it. But the reality is — the sooner you plan, the more peaceful your old age can be. One of the biggest financial worries in retirement is running out of money. Once the monthly salary stops, your savings are all you have. That’s why knowing how much money you need for retirement is very important. To make it easy, financial experts have come up with a few smart formulas and methods that help you estimate the perfect retirement fund amount. In this article, we’ll break this down in simple,…