Author: Naresh Saini

As the festive season approaches, many people in India are gearing up for celebrations, and buying gold is often a major part of the tradition. With the wedding season on the horizon, markets, especially the bullion market, are bustling with activity. Demand for gold is on the rise, driving up prices, and creating a perfect time for buyers to make purchases. But whether you’re buying gold for investment or as jewelry for special occasions, it’s essential to follow a few important tips to avoid losses. Here’s a simple guide to ensure you buy genuine gold at the best possible value…

In India, the Aadhaar card has become one of the most crucial documents for establishing identity, both for adults and children. It is now essential for government schemes, school admissions, and even basic tasks like opening bank accounts or getting a SIM card. Just like adults, children too are issued a unique Aadhaar, called the Blue Aadhaar or “Child Aadhaar,” especially for kids below the age of 5. However, while creating an Aadhaar for your child, several common mistakes can occur, which might cause problems in the future. Here’s a simplified guide to ensure you avoid these pitfalls and get…

Systematic Investment Plans (SIPs) are a popular and effective way to invest in mutual funds, especially for long-term wealth creation. Investors who regularly contribute to SIPs are often looking for steady returns with minimal risk over time. While a regular SIP helps you grow your wealth, there is an even smarter way to get more out of your investments—SIP Top-Up. With the SIP Top-Up option, you can increase the amount of your SIP contributions each year as your income grows. This small step can significantly boost your returns, adding a substantial amount to your portfolio over the long term. Let’s…

Aadhaar has become one of the most important documents for identity verification in India. Whether you’re opening a bank account, applying for a loan, or availing government schemes, an Aadhaar card is essential. Many people still use the traditional Aadhaar card printed on paper, which is prone to damage. Over time, these paper cards may tear, bend, or become unusable if exposed to water. Now, for just Rs. 50, you can get a PVC Aadhaar card that is strong, durable, and equipped with high-tech security features. The Unique Identification Authority of India (UIDAI) is actively encouraging people to switch to…

The Aadhaar card has become an essential identity document in India, required for a wide range of activities from opening bank accounts to school admissions. This means that it’s equally important for children to have their Aadhaar card made as early as possible. For children below five years, the Aadhaar card is blue, and it doesn’t contain biometric details like fingerprints or iris scans. These details can be updated after the child turns five and again between the ages of 5 and 15. Despite the simplicity of the process, many parents unknowingly make mistakes while applying for their child’s Aadhaar…

Gold is an important part of Indian festivals, especially during Diwali and Dhanteras. Buying gold during these occasions is considered auspicious, and many people invest in it as a form of savings or for family events like weddings. With gold prices rising steadily, it’s essential to be smart about your purchases, whether you’re buying physical or digital gold. This article will help you make a better decision by keeping these vital tips in mind while buying gold. 1. Always Buy from a Trusted Dealer When buying physical gold, whether it’s jewelry, coins, or bars, ensure you are dealing with a…

Life Insurance Corporation of India (LIC), the country’s biggest insurance provider, offers a variety of savings and insurance schemes to help you grow your money safely. If you are looking for an investment plan that ensures safety, returns, and a substantial corpus for the future, LIC’s Jeevan Anand Policy could be the right choice. With this plan, you can accumulate a fund of Rs 25 lakh by saving just Rs 45 daily. This scheme not only provides insurance coverage but also offers multiple bonuses and benefits on maturity. Why Choose LIC Jeevan Anand Policy? The Jeevan Anand Policy is one…

Starting in 2025, people across India will be able to link and access their Ayushman Bharat Health Cards on Google Wallet. This move will make it easier for over 60 crore beneficiaries to access their health records and ABHA (Ayushman Bharat Health Account) ID directly from their mobile devices. This step is part of the government’s larger plan to simplify access to healthcare through digital platforms, in line with the Ayushman Bharat Digital Mission (ABDM). Recently, the Union Cabinet expanded the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), extending health coverage to all citizens aged 70 and above,…

Employees working in the private sector contribute to the Employees’ Provident Fund (EPF), and now managing your EPF account is easier than ever, thanks to the digital services provided by the Employees’ Provident Fund Organisation (EPFO). Whether you need to withdraw funds, transfer accounts after switching jobs, or activate an inactive account, you can do it all online without visiting any EPFO office. This article simplifies how you can manage these services step by step. What Is an Inactive EPF Account? Your EPF account becomes inactive if no contributions are made for 36 consecutive months. This generally happens when people…

Managing savings post-retirement is crucial to ensure financial security. While many people opt to keep their money in bank deposits, inflation can eat away at returns. For senior citizens, the Senior Citizen Savings Scheme (SCSS) offers an excellent solution with higher returns and capital safety. This scheme is designed to provide regular income and secure your savings. Why Choose SCSS? SCSS is a government-backed scheme tailored for senior citizens, ensuring the highest level of safety along with high returns. The current interest rate of 8.2% per annum is one of the best in the market, offering reliable income, especially for…