What a 20% annual return really means An annual growth rate of 20% compounds quickly. If you had invested ₹1,00,000 in a fund that delivered 20% per year for five years, your investment would have grown to roughly ₹2.48 lakh. That’s the power of compounding: returns earn returns, and growth accelerates over time. How the … Read more
What is Mitra? Mitra stands for Mutual Fund Investment Tracing and Retrieval Assistant. It is a service platform designed to help investors locate and recover inactive or unclaimed mutual fund folios. In short, Mitra helps reconnect people with investments they may have forgotten or lost track of. Why tracing inactive folios matters Unclaimed folios may … Read more
Many homebuyers accept insurance packaged with their mortgages without fully understanding what they’re buying. While these policies are meant to protect families, a surprising number are inadequate, misaligned with the borrower’s needs, or even assigned in ways that weaken protections when a claim arises. Where loan-linked insurance commonly fails Wrong policy assignment: Policies are sometimes … Read more
Taking a personal loan can be a smart way to handle a short-term cash need, but the wrong choice can strain your finances. Before you sign, spend a little time checking the numbers, your repayment ability, and who you’re borrowing from. Small steps now can protect your credit score and financial stability later. Know the … Read more
Interim dividend: the basics A private limited company may declare an interim dividend at any time during the financial year, provided it is paid out of the profits earned by the company during that financial year. In plain terms, this means directors can distribute earnings to shareholders before the year ends — but only if … Read more
The cashless nudge: why digital payments change how we spend Digital payment methods such as UPI have reshaped how people think about money. When payments move from notes and coins to taps and swipes, the act of spending becomes less tangible. That loss of physical exchange weakens the emotional signal that usually accompanies parting with … Read more