Author: Naresh Saini

In a world of unpredictable market swings and risky investment options, many Indian investors, especially in rural and semi-urban areas, look for safe and secure investment schemes. The Kisan Vikas Patra (KVP) Yojana, offered by India Post, is one such dependable saving instrument. This long-term, government-backed scheme is designed for people who prefer steady and risk-free returns on their hard-earned money. It ensures your investment doubles in a fixed number of years, regardless of market conditions. Let’s explore this scheme in detail and understand why it’s still one of the most preferred saving options among Indians. What is Kisan Vikas…

The Public Provident Fund (PPF) is one of the most trusted long-term savings schemes in India. Backed by the government, PPF is not just safe, but also comes with tax benefits and decent interest returns. Because of this, many people consider it a smart option for future savings, especially for retirement or children’s education. But there’s one question that often creates confusion among savers — “Can I open more than one PPF account in my name?” This doubt usually comes from people who wish to invest more than the yearly limit or those who want to open an account in…

Investing is not just about putting your money into stocks or mutual funds and hoping for the best. It’s a disciplined journey that combines knowledge, strategy, patience, and risk management. While everyone dreams of making big money through investments, the reality is that only a few succeed, and they do so by following key financial lessons. Whether you’re a beginner or someone looking to sharpen your investment game, these 10 essential financial lessons will guide you to smarter choices, reduced risk, and potentially higher returns. Let’s unlock the strategies that wealthy investors swear by. 1. Start Early – Time is…

Planning for retirement is one of the most important financial decisions in life. In India, two of the most popular retirement-saving options are the National Pension System (NPS) and the Public Provident Fund (PPF). Both are backed by the government, offer tax benefits, and help you build a retirement corpus. But they differ significantly in structure, returns, withdrawal rules, and risk profile. If you are confused about NPS vs PPF: who to choose for retirement, this detailed comparison will help you decide what suits your long-term financial goals better. Understanding NPS and PPF in Simple Terms What is the National…

Many people think retirement is far away and avoid planning for it. But the reality is — the sooner you plan, the more peaceful your old age can be. One of the biggest financial worries in retirement is running out of money. Once the monthly salary stops, your savings are all you have. That’s why knowing how much money you need for retirement is very important. To make it easy, financial experts have come up with a few smart formulas and methods that help you estimate the perfect retirement fund amount. In this article, we’ll break this down in simple,…

In the realm of personal finance, achieving the coveted status of a ‘crorepati’ (a person with assets worth ₹1 crore or more) is a common aspiration. While this goal may seem daunting, the SIP 25x12x15 formula offers a structured and attainable pathway to reach it. By investing ₹25,000 monthly for 15 years at an annual return of 12%, you can accumulate a corpus exceeding ₹1 crore. ​ Understanding the SIP 25x12x15 Formula The SIP 25x12x15 formula is a straightforward investment strategy: ​ Applying this formula, your total investment over 15 years would be ₹45 lakh (₹25,000 x 12 months x…

Withdrawing funds from your Employee Provident Fund (EPF) is a significant financial decision, and understanding the associated paperwork is crucial. One essential document in this process is Form 15G, which helps you declare that your income falls below the taxable limit. In this comprehensive guide, we’ll delve into the intricacies of PF withdrawal, focusing on the steps to download and fill Form 15G. Understanding the EPF Withdrawal Process Before delving into the specifics of Form 15G, it’s essential to grasp the general process of withdrawing funds from your EPF account. EPF is a retirement savings scheme in India, and members…

When it comes to safe and stable investments, Fixed Deposits (FDs) and Post Office Time Deposit (POTD) accounts are two of the most preferred options by Indian savers. Both instruments are known for their low risk, guaranteed returns, and ease of access. But while they may seem similar on the surface, there are key differences in their features, returns, taxation, and accessibility. Before choosing where to park your money, it’s essential to understand how both options work. Now let’s break down both options in depth. Interest Rates Comparison: Which Offers Better Returns? Interest rates are often the first factor people…

In today’s changing financial landscape, where interest rates are moving downward, investors are looking for safer and more rewarding short-term options. For many, fixed deposits (FDs) have been the go-to choice. But now, low-duration mutual funds are gaining attention due to their better returns and low risk. Let’s understand how these funds work, why they are a better option than traditional FDs in certain scenarios, and what you should keep in mind before investing. What Are Low-Duration Mutual Funds? Low-duration mutual funds are a type of debt mutual fund that invest in short-term debt instruments. These instruments include commercial papers,…

For most private sector employees, retirement planning depends a lot on the Employees’ Provident Fund (EPF) and Employees’ Pension Scheme (EPS). While EPF is often discussed, many people are still confused about how EPS works and how much monthly pension they will receive after retirement. In this article, we explain in very simple language how you can calculate your monthly pension under EPS, what the eligibility rules are, and how your years of service and salary affect your pension amount. This is especially useful for those doing private jobs and looking for financial stability in their old age. What Is…