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Personal finance is an essential aspect of our lives, and making informed financial decisions is crucial for achieving our long-term financial goals. In India, where a rapidly evolving financial landscape is combined with diverse economic conditions, the role of behavioral economics in personal finance cannot be overstated. Behavioral economics is a field that studies the …
In August 2022, Rs 12,693 crore entered mutual funds (MF) through systematic investment plans (SIP), the largest monthly SIP inflow in MF history. Obviously, over time, many investors have recognized the benefits of ladder investing. But there is another way to systematically invest. Although the returns are modest, the risk is much lower than with …
A mutual fund is a series of funds that have been raised by several investors who invest in assets such as stocks and bonds. Mutual funds are handled by asset management companies (AMC). Each AMC generally has several mutual funds. The total size of the mutual fund industry in India exceeded Rs 23 billion in …
Many loan seekers these days choose Instant Loan over traditional personal loans. The financial world is going through a rapid change. Bank processes which were tedious and time taking are readily available and paperless. The ATMs and online banking, has made the queuing for deposit and withdrawal vanish. Now getting a loan is quick, pre-approved, …
A budget is a plan for every Rupee you have, it is an estimate of income and expenditure which you should have for a set period of time. It ultimately gives you more financial freedom and a life with much less stress. The simplest form of budgeting is dividing your income among needs, wants, savings …
A mutual fund stocks up money from different investors and invests in a group of assets known as securities such as stocks and bonds. There are professionals who manage the holdings which make up the fund’s portfolio. Investors buy shares based on the performance of the fund’s underlying securities. Mutual fund investors own shares in …
When a borrower takes a loan, he enters into a legal contract with the lender where he is liable for repaying the money he borrows. The bank or financial institution is allowed by law to use steps in accordance with the law to recover a loan if one has defaulted on it. The official declaration …
The business loan proposal is the document used to apply for a bank loan. It mentions the amount you want to borrow, a purpose for the loan, your repayment status, any collateral you might put up against the loan and any other important information related to the business loan application. The business loan proposal is …