Author: Nisha Chawla

Diwali is considered an auspicious time for major purchases like cars and houses. During this festive season, banks offer special deals, making it easier for buyers to finance their dream car with low-interest rates, zero processing fees, and cashback offers. If you’ve been waiting for the right moment, now is the time! Here are the best car loan offers from top 7 banks in India that you should consider. Top 7 Banks with the Best Car Loan Offers This Festive Season Other Banks Offering Competitive Car Loan Rates Why Festive Season Car Loans are a Smart Choice During Diwali, banks…

The Indian government has released the official list of public holidays for the year 2025, applicable to all central government offices. This annual holiday calendar includes both Gazetted Holidays and Restricted Holidays, providing government employees with a well-structured break schedule for the coming year. According to the list, government employees will be entitled to 17 gazetted holidays in 2025, which are compulsory across all government offices. Additionally, the holiday calendar features 34 restricted holidays, out of which employees can choose a maximum of three days based on their personal preferences. Let’s take a closer look at the 2025 holiday schedule.…

If you’ve ever applied for a loan and faced rejection or found yourself offered high interest rates, there’s a good chance your credit score is to blame. A credit score—a three-digit number ranging from 300 to 900—plays a crucial role in determining whether you’ll get approved for a loan and what kind of interest rate you’ll be charged. Banks and financial institutions rely on this number to assess how risky it would be to lend you money. A good score can mean access to lower rates and faster approval, while a poor score can make borrowing difficult and expensive. What…

In today’s fast-paced financial world, using credit cards smartly can provide a range of benefits from convenience to savings. A credit card allows easy tracking of expenses and offers the ability to make payments more conveniently. With features like cashback, reward points, and discounts on shopping and dining, they are an ideal companion for day-to-day transactions. However, choosing the right credit card is crucial, especially if you want to avoid paying hefty annual fees. This is where lifetime free credit cards come into play. These cards provide all the benefits without the burden of an annual charge. If you’re looking…

Fixed Deposits (FDs) have always been a popular choice for those seeking safe and steady returns. Right now, many banks are offering lucrative interest rates on FDs, especially for three years. With some banks giving as high as 9%, this could be the best time to lock in your money and enjoy handsome returns before rates begin to decline. Here’s a look at the banks offering the highest interest rates on three-year FDs, along with insights on why now might be the perfect time to invest in them. Top Banks Offering High Interest on 3-Year FDs Several small finance banks…

Spending more than the assigned limit on your credit card can have serious financial consequences. Many people either unintentionally exceed their limit or do so out of necessity. However, not all banks allow customers to go beyond their limit, and those that do often impose hefty fees. Beyond just extra charges, it can also harm your credit score, making it difficult to get loans or additional credit in the future. Let’s explore the key downsides of exceeding your credit limit and how you can avoid these pitfalls. Some Banks Allow Over-Limit Spending but at a Cost Banks often provide the…

In a recent statement, Reserve Bank of India (RBI) Governor Shaktikanta Das has firmly stated that the central bank will not lower interest rates at this time. He explained that with retail inflation still high and geopolitical tensions affecting the global economy, reducing the repo rate could be too risky. Speaking at the India Credit Forum hosted by Bloomberg, Das emphasized that current economic conditions, including inflationary pressures and ongoing geopolitical issues in West Asia and Europe, are not favorable for a rate cut. Why RBI Won’t Cut Interest Rates Now The RBI Governor explained that inflation is a key…

For senior citizens, fixed deposits (FD) continue to be one of the most secure and reliable investment options. After retirement, the need for stable and consistent income is crucial to cover daily expenses. While some rely on pensions or property rent, investing in FD is a safe way to grow savings while earning interest. Senior citizens get the added advantage of higher interest rates on FD compared to the general public, making it a favored choice for risk-free investments. In recent times, many banks have been offering attractive interest rates on fixed deposits, making it the right time for senior…

As the festive season of Diwali approaches, it’s the perfect time to shop for new clothes, electronic gadgets, and gifts for loved ones. Diwali is synonymous with shopping sprees, but you can be smart about your purchases by using the right credit card. With a variety of benefits like cashback, rewards, and no-cost EMI, a credit card can help you save significantly during this festive season. Choosing the best credit card based on your shopping needs is essential to maximize savings. Let’s explore how to pick the right card and make the most of the offers available this Diwali, whether…

Unified Payments Interface (UPI) has revolutionized digital payments in India. What once was a time-consuming process of transferring money has now become instantaneous. Today, UPI transactions are accepted almost everywhere, from large retailers to small vendors in rural areas. However, as UPI has grown rapidly in the last seven years, it now faces a major challenge — the overwhelming dominance of two big players, PhonePe and Google Pay. The Duopoly of PhonePe and Google Pay The digital payments landscape is dominated by two companies: PhonePe and Google Pay, which together control around 85% of the market. PhonePe has a market…