Category Archives: Classroom Lessons

List of articles where an investor should learn while investing and saving

How to download Home Loan Interest Certificate for Tax Proofs submission?

How to download Home Loan Interest Certificate? If you have taken home loan, it is time for you to submit your Income Tax Certificate of home loan to your payroll department. While the process of downloading the IT certificate is simple, many are facing challenges and approaching the bank / financial institution in person. This … Continue reading How to download Home Loan Interest Certificate for Tax Proofs submission?

Partial Withdrawals of PPF – Eligibility and Rules in 2021

Partial Withdrawals of PPF – Eligibility and Rules in 2021 Public Provident Fund is one of the safest fixed income investment options in India, which is backed up by Government of India. Many investors would opt for PPF either for tax saving purpose or for accumulating retirement corpus. Even low risk investors who want to … Continue reading Partial Withdrawals of PPF – Eligibility and Rules in 2021

Deposit Insurance (DICGC) – How far your fixed deposits are safe?

Deposit Insurance (DICGC) – How far your fixed deposits are safe? Almost all the individuals trust banks for their deposits in the form of Savings A/c, Current A/c, RD or FD as banks offer safety and guaranteed returns. But what happens if your bank goes bankrupt. Most of us are unaware of the fact that … Continue reading Deposit Insurance (DICGC) – How far your fixed deposits are safe?

LTC Cash Voucher Scheme – Guidelines, Eligibility and Calculations

LTC cash Voucher Scheme – Guidelines, Eligibility and Calculations Govt of India has earlier announced about LTC (Leave Travel Concession) Cash voucher scheme for central government employees. Now GOI has confirmed that the LTC voucher scheme would be applicable to all employees i.e. central govt employees, state govt employees, PSU sector employees and private sector … Continue reading LTC Cash Voucher Scheme – Guidelines, Eligibility and Calculations

Am I eligible for Compound Interest Waiver on Loan during the moratorium period?

Am I eligible for Compound Interest Waiver on Loan during the moratorium period? Govt of India has announced that now that interest on interest (compound interest) waiver on loan during the moratorium period. The central government had earlier filed an affidavit with Supreme Court indicating that it would waive interest on interest on loans up … Continue reading Am I eligible for Compound Interest Waiver on Loan during the moratorium period?

How Leverage Ratio can tell whether you are high risk or low risk in debts?

How Leverage Ratio can tell you whether you are high risk or low risk? Leverage ratio also called as debt to equity ratio is the measure of the role of debt in an asset build-up of an investor or a company. An investor or company can compute their leverage ratio and check whether their financial … Continue reading How Leverage Ratio can tell whether you are high risk or low risk in debts?

What is Macaulay duration concept and how it helps you to choose right debt mutual fund?

What is Macaulay duration concept and how it helps you to choose right debt mutual fund? As per SEBI recategorization of mutual funds, all debt funds need to be classified into buckets based on Macaulay duration.  Macaulay duration is indicated in the scheme information document (SID) of the mutual fund scheme. Often, many mutual fund … Continue reading What is Macaulay duration concept and how it helps you to choose right debt mutual fund?

10 Solid Tips to achieve financial freedom faster

10 Solid Tips to achieve Financial Freedom Faster Financial freedom is where you have enough money to spend, your regular expenses for life and fulfill all your financial goals in the future. Earning salary or income from the business is not enough. One should not struggle accumulating money over their lifetime to achieve their financial … Continue reading 10 Solid Tips to achieve financial freedom faster