Author: Shehnaz Beig

The Reserve Bank of India (RBI) is preparing to bring new guidelines for gold loans. The announcement was made by RBI Governor Sanjay Malhotra during the monetary policy meet held on 9 April 2025. This move is aimed at making gold loans more transparent, safer, and uniform for both customers and lending institutions. Gold loans have become a popular option for quick funds across India. But with growing demand, the system also started showing loopholes — different loan practices, unclear storage policies, and unequal loan-to-value (LTV) rules between banks and NBFCs (Non-Banking Financial Companies). Now, RBI wants to set the…

The Reserve Bank of India (RBI) has recently made an important announcement during its monetary policy update. Along with cutting the popular repo rate, it has also reduced two other important rates – the Marginal Standing Facility (MSF) and the Standing Deposit Facility (SDF). These changes may not be talked about in daily conversations, but they play a huge role in how our banks work, how much interest we pay on loans, and how the Indian economy moves forward. Let’s break it all down in a simple way so that you understand what it really means for your wallet, your…

The stock market is getting very exciting! Many companies are planning to sell their shares to the public in 2025. This means they are doing something called an IPO. An IPO, or Initial Public Offering, is when a company lets regular people buy a small part of it. If you ever wanted to own a tiny piece of a big company like Amazon or Google, this is how it starts. They all began with an IPO years ago. Now, in 2025, new companies are ready to do the same. This guide will tell you: Let’s get started! What Is an…

Microsoft’s 50th anniversary function, recently held in Washington, became the centre of a major controversy. An Indian-origin engineer, Vaniya Agrawal, openly raised her voice during the celebrations in front of top names like Satya Nadella, Bill Gates, and Steve Ballmer. Her message was clear—she cannot continue working for a company whose technology is, according to her, being used in attacks on Palestinians in Gaza. This protest quickly went viral across social media and brought global attention to the role of tech companies in war and conflict zones. Let us understand who Vaniya Agrawal is, what exactly happened during the event,…

In India, the police force is structured in a hierarchical system. Every rank has a specific role, power and responsibility. But when it comes to abbreviations like ASP, SP and CI, many people get confused. All these are officer-level or inspector-level posts, but they differ in their rank, authority, and recruitment process. This article will help you clearly understand the difference between ASP (Assistant Superintendent of Police), SP (Superintendent of Police), and CI (Circle Inspector). We will look at their ranks, job profiles, powers, promotion methods and how they are posted in different districts and states. What is ASP (Assistant…

The Agniveer Yojana is a bold and new recruitment plan introduced by the central government to bring more young people into the Indian defence forces. Launched on 14 June 2022, the scheme is officially called the Agnipath Recruitment Scheme, and under this, selected youth are named “Agniveers.” They serve in the Army, Air Force, or Navy for a fixed contract of four years. This scheme has become a topic of national debate ever since it started. Many young people are interested in joining, but they also have doubts in their minds—like what happens after four years? How much money will…

Indian stock markets are moving up and down very quickly these days. On April 7, markets went down sharply and gave a shock to investors. But on April 8, Sensex and Nifty showed a strong comeback and made up for the earlier fall. Even after this quick recovery, investors are still unsure about what will happen next. From April 9, a new situation is starting due to global developments. US President Donald Trump’s full tariffs will now come into action. This might bring new pressure on the global economy, and of course, on the stock markets. Indian investors, especially those…

Digital payments have become the backbone of daily transactions in India, thanks to the rise of UPI (Unified Payments Interface). Whether it’s buying groceries, paying rent, or transferring funds to family, UPI has simplified money movement with just a tap on a mobile screen. But what happens when a small mistake—like selecting the wrong contact or entering an incorrect UPI ID—results in money being transferred to the wrong account? It’s a nightmare no one wants to face, but it happens more often than one might think. The good news? There are ways to file a complaint and possibly recover your…

Before you sit to file your Income Tax Return (ITR), you should know a few important things. Many people make small mistakes during the process, which later become a reason for receiving notices or rejections. It’s better to take small precautions and do a little preparation before filing. 📂 Collect All Your Income Documents First Filing ITR becomes very easy if all your documents are already collected. Make sure to keep these documents ready: Having these papers in one place will make the ITR process quicker and error-free. 📄 Choose the Correct ITR Form to Avoid Rejection Every taxpayer needs…

Mutual Funds, especially SIPs (Systematic Investment Plans), have become the go-to choice for many Indian investors. Whether you’re a young earner starting your career or someone planning retirement, chances are someone has advised you to start a SIP. With ads showing people becoming ‘wealthy’ just by investing a few thousand every month, it’s hard not to be influenced. But here’s the reality – SIPs are not a magic formula. They are a disciplined way of investing, no doubt, but that doesn’t mean they are the right solution for everyone. There are many situations where mutual funds, especially equity mutual funds,…