Classroom Lessons

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

What is Margin Funding and How does it work exactly?

What is Margin Funding and How does it work exactly? Stock markets are volatile and often create dangling situations for investors. Investors need funds to make investment and mount up their gains, but funding hindrances often make it difficult. That’s where margin funding comes to help the investors. It simply gives investors more options for

How to merge two or more EPF accounts Online in India?

How to merge two or more EPF accounts Online in India? Employees keep changing jobs for better career and higher salary. One might have multiple EPF accounts during such change in jobs within India. There are a number of reasons one would continue multiple EPF accounts. One of the pain area is tracking the balance

What are Credit Ratings for Fixed Deposits and How to pick-up AAA Rated FD Scheme?

What are Credit Ratings for Fixed Deposits and How to pick-up AAA Rated FD Scheme? Banks fixed deposit interest rates are falling in the last few quarters. Investors who are looking for fixed income options are looking for other avenues like company fixed deposits. While bank FD’s are being considered relatively safe, corporate fixed deposits

I Lost Job – How should I plan my financials for next 1-2 years?

I Lost Job – How should I plan my financials for next 1-2 years? Corona virus is showing worse across the world. There are thousands of employees who are losing their job now every day. While Government of India says no company should do layoffs, companies are not in a position to pay salaries and

How to avail 3 Months Loan EMI moratorium from SBI?

How to avail 3 Months Loan EMI moratorium from SBI? RBI has asked banks and financial institutions to provide 3 months loan EMI moratorium to its customers considering Covid-19 situation. While RBI has not made it mandatory, it has left this decision to banks and financial lenders. Now banks have started announcing this relief to

Should I use Emergency Fund in this crisis or are there any alternatives?

Should I use Emergency Fund in this crisis situation? There are two critical steps in financial planning. One is taking a term insurance plan to secure your family and the second is to create an emergency fund which can be used on any unpredictable incidents. Currently, Corona virus is creating a serious impact across the

Do I need to take advantage of RBI 3 month moratorium on loan EMI?

Do I need to take advantage of RBI 3 month moratorium on loan EMI? RBI has taken a few steps in its recent meeting to improve the Indian economy that has impacted due to the Covid-19 crisis. Among the various measures announced, 3 months moratorium on loan EMIs is a BIG step that would help

RBI Repo Rate Cut in March 2020 – Would you really get Benefited?

RBI Repo Rate Cut in March 2020 – Would you really get Benefited? Today, the RBI Governor, Shaktikanta Das has announced an RBI Repo Rate cut by 0.75% / 75 basis points. RBI has cut the repo rate several months. Huge interest rate cut by 0.75% brings down home loan, auto loans and corporate loans.

Pradhan Mantri Awas Yojana – Features, Eligibility and how to apply

Pradhan Mantri Awas Yojana – Features, Eligibility and how to apply Every individual dream of owning a house, but the increase in cost of construction and the inflation rate have made it next to impossible for many lower and lower-middle-class people. If you are earning between Rs 3 Lakhs and Rs 18 Lakhs per annum

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