Explore the Latest Thinking on Savings & Finance
Your registered mobile number is the key to your entire banking life. OTPs for transactions, account alerts, mobile banking, UPI — everything depends on it. If you have changed your phone number or lost access to your old one, updating your mobile number with the bank should be your immediate priority. Here is the complete […]
Internet banking opens up a world of convenience — transfer money, pay bills, manage FDs, apply for loans, and download statements, all from your laptop or desktop without stepping into a bank branch. If you have never used internet banking before, do not worry. The setup process is straightforward. Here is how to activate it […]
Bank statements are essential documents for loan applications, visa processing, ITR filing, GST compliance, and general financial tracking. Gone are the days when you had to visit a branch and wait in line to get a printed statement. Today, you can download your bank statement in minutes from your phone or computer. Here is how […]
Missing an EMI payment can cost you a late fee, damage your CIBIL score, and create unnecessary stress. Missing a bill payment can lead to service disconnection and reconnection charges. The simplest solution? Set up auto-pay and let your bank handle it. Here is a complete guide to setting up automatic payments for your EMIs, […]
Your PAN card is one of the most important financial identity documents in India. Linking it to your bank account is essential for tax compliance, avoiding higher TDS deductions, and ensuring smooth financial transactions. If you have not linked your PAN to your bank account yet, do it today — here is how. Why Is […]
Has your bank wrongly charged you? Refused to close your account? Not resolved your fraud complaint? When your bank fails you, the Banking Ombudsman is your powerful recourse. Appointed by the Reserve Bank of India (RBI), the Banking Ombudsman is a senior official who resolves customer complaints against banks — for free. Here is how […]
Mobile banking lets you check your balance, transfer money, pay bills, and manage your account — all from your smartphone. For self-employed individuals who are always on the move, mobile banking is not a luxury but a necessity. If you have a bank account but have not activated mobile banking yet, here is exactly how […]
Whether you are consolidating your finances, switching to a better bank, or simply closing a dormant account, knowing how to properly close a bank account is important. An improperly closed account can lead to minimum balance charges piling up, negative CIBIL entries, or even legal complications. Here is the complete step-by-step process to close a […]
You want a credit card, but every bank says you need a credit history to get one. And you cannot build a credit history without having credit. It is the classic chicken-and-egg problem. But it is completely solvable. Whether you are a young professional just starting out or a self-employed individual who has always dealt […]
UPI (Unified Payments Interface) has transformed how India pays. From buying chai at a roadside stall to paying rent, UPI makes instant money transfers free and effortless. In 2024, India processed over 14 billion UPI transactions per month. If you are self-employed, UPI is not just convenient — it is essential for receiving payments from […]
Need funds for a medical emergency, business expansion, or a family wedding? A personal loan can provide quick access to money without pledging any collateral. And the best part? You can apply for one entirely online. Whether you are salaried or self-employed, this guide walks you through the complete process of applying for a personal […]
A CIBIL score of 600 puts you in a tough spot. Most banks will either reject your loan application or offer you loans at painfully high interest rates. But here is the good news — improving your CIBIL score from 600 to 750 is absolutely possible. It requires patience, discipline, and a clear action plan. […]
