Why credit cards matter today Credit cards have shifted from a luxury to a basic financial tool for many people. They make everyday purchases easier, help build credit histories, and often come with perks like cash back, travel rewards, and purchase protection. Key benefits Cash back and rewards: Many cards return a percentage of spending … Read more
What a credit card cash advance gives you A credit card cash advance lets you withdraw cash quickly from your card when you need money fast. It can be useful in an emergency — the money is available immediately and doesn’t require a bank transfer or loan approval. How it works Cash advances are treated … Read more
Work experience rules most banks expect Most banks ask for at least 1–2 years of overall work experience, and typically require a minimum of one year with your current organisation. Lenders use these simple thresholds to get a quick read on job stability and the likelihood you’ll keep paying on time. Why tenure matters to … Read more
What is a Consolidated Account Statement (CAS)? A Consolidated Account Statement (CAS) is a single document that shows all your investment holdings and recent transactions in one place. It brings together details from your demat account and mutual fund investments that are linked to the same PAN, making it easier to track portfolio value, corporate … Read more
Equity mutual fund inflows ease after September high Inflows into equity mutual funds fell to ₹24,690 crore, down from ₹30,421 crore in September, the latest data from the Association of Mutual Funds in India shows. This marks an approximate 18.8% decline in net fresh money compared with the previous month. What the numbers mean The … Read more
Age doesn’t directly change your credit score, but it affects several pieces of the puzzle lenders and scoring models use. Time on your side — or the lack of it — often shows up in your credit history, account mix, income stability and borrowing patterns. Those things do influence the score. How age affects credit … Read more
Personal loans can be a useful tool for managing money — but only if you use them carefully. With the right choices, a personal loan can cut your interest costs, simplify repayments and improve your overall financial plan. Consolidate high‑cost debt One of the smartest uses of a personal loan is to consolidate high‑interest debts, … Read more
First-time personal loan use rises for festive spending A recent survey found that 41% of respondents took a personal loan for festive expenses for the first time. This suggests a clear shift: more households are turning to credit to fund celebrations and seasonal spending. What this trend signals Growing acceptance of credit: Borrowing for festivals … Read more
The appeal of no personal income tax One of the clearest financial draws to Dubai remains its lack of personal income tax. For professionals and families, that means take-home pay that often goes further than in many Western cities. Savings, investments and discretionary spending all benefit from higher net incomes. Where the money goes: education … Read more
Thinking of donating to a foreign charity? Check the tax side first Giving to a well-known foreign charity, such as a national Red Cross society, is generous and often straightforward from a practical point of view. But if you live in India, there are a few tax and compliance points to consider before you click … Read more