Author: Nisha Chawla

Credit cards can be a lifesaver when used correctly, providing savings and numerous perks. One useful feature offered by some credit cards is balance transfer. This allows you to pay off your dues on another credit card without facing hefty penalties or high-interest rates. Let’s explore the top 4 credit cards that provide the best balance transfer options with minimal charges. What is a Balance Transfer? A balance transfer lets you shift your outstanding balance from one credit card to another. This can save you from high-interest charges, which typically range from 36% to 48% annually if you miss payments.…

As Diwali approaches, the festive spirit is in full swing, and for many, this is the season for shopping. Whether you’re buying gifts for loved ones, upgrading home appliances, or stocking up on festive décor, shopping is an integral part of Diwali preparations. To make your spending smarter and save money, using the right credit card can go a long way. Several credit cards offer exclusive benefits, reward points, cashback, and zero joining or annual fees—perfect for your Diwali shopping needs. Let’s take a look at some of the best zero-fee credit cards that can help you save during this…

With the festive season in full swing, many people are gearing up for major purchases for Dhanteras, Diwali, and other celebrations. If you’re looking for financial support during this time, an instant personal loan could be an ideal option. Unlike traditional loans that involve paperwork and long waiting times, an instant personal loan offers quick disbursement, often within a few hours of applying. Here’s a detailed look at what an instant personal loan is, how to apply for it, and the benefits it offers. What is an Instant Personal Loan? An instant personal loan is a type of unsecured loan…

Savings accounts are a vital part of personal finance, providing a secure place to store your money while also earning interest. Banks offer a variety of savings accounts, each designed to cater to the specific needs of different individuals. Whether you’re a senior citizen, a salaried person, or a parent looking to open an account for your child, there is an account for you. Here’s a simple guide to help you understand the most common types of savings accounts available and their unique features. 1. Regular Savings Account: The Standard Choice The regular savings account is the most common option…

Diwali is considered an auspicious time for major purchases like cars and houses. During this festive season, banks offer special deals, making it easier for buyers to finance their dream car with low-interest rates, zero processing fees, and cashback offers. If you’ve been waiting for the right moment, now is the time! Here are the best car loan offers from top 7 banks in India that you should consider. Top 7 Banks with the Best Car Loan Offers This Festive Season Other Banks Offering Competitive Car Loan Rates Why Festive Season Car Loans are a Smart Choice During Diwali, banks…

The Indian government has released the official list of public holidays for the year 2025, applicable to all central government offices. This annual holiday calendar includes both Gazetted Holidays and Restricted Holidays, providing government employees with a well-structured break schedule for the coming year. According to the list, government employees will be entitled to 17 gazetted holidays in 2025, which are compulsory across all government offices. Additionally, the holiday calendar features 34 restricted holidays, out of which employees can choose a maximum of three days based on their personal preferences. Let’s take a closer look at the 2025 holiday schedule.…

If you’ve ever applied for a loan and faced rejection or found yourself offered high interest rates, there’s a good chance your credit score is to blame. A credit score—a three-digit number ranging from 300 to 900—plays a crucial role in determining whether you’ll get approved for a loan and what kind of interest rate you’ll be charged. Banks and financial institutions rely on this number to assess how risky it would be to lend you money. A good score can mean access to lower rates and faster approval, while a poor score can make borrowing difficult and expensive. What…

In today’s fast-paced financial world, using credit cards smartly can provide a range of benefits from convenience to savings. A credit card allows easy tracking of expenses and offers the ability to make payments more conveniently. With features like cashback, reward points, and discounts on shopping and dining, they are an ideal companion for day-to-day transactions. However, choosing the right credit card is crucial, especially if you want to avoid paying hefty annual fees. This is where lifetime free credit cards come into play. These cards provide all the benefits without the burden of an annual charge. If you’re looking…

Fixed Deposits (FDs) have always been a popular choice for those seeking safe and steady returns. Right now, many banks are offering lucrative interest rates on FDs, especially for three years. With some banks giving as high as 9%, this could be the best time to lock in your money and enjoy handsome returns before rates begin to decline. Here’s a look at the banks offering the highest interest rates on three-year FDs, along with insights on why now might be the perfect time to invest in them. Top Banks Offering High Interest on 3-Year FDs Several small finance banks…

Spending more than the assigned limit on your credit card can have serious financial consequences. Many people either unintentionally exceed their limit or do so out of necessity. However, not all banks allow customers to go beyond their limit, and those that do often impose hefty fees. Beyond just extra charges, it can also harm your credit score, making it difficult to get loans or additional credit in the future. Let’s explore the key downsides of exceeding your credit limit and how you can avoid these pitfalls. Some Banks Allow Over-Limit Spending but at a Cost Banks often provide the…