The Vibe Journal: Finance Blogs

If you’re planning to purchase a property, knowing about the difference between mortgage and collateral is extremely important. You must’ve heard both of these words in the same sentences often. They’re correlated in terms of purchasing a property but are quite different from each other in terms of meaning and purpose.  When you get a …

The difference between borrowing and lending is the bedrock of many transactions carried out in an economy, impacting both individuals and institutions profoundly. While they may seem similar superficially, these denote two fundamentally distinguishing concepts and separately govern the flow of capital in economies. To know more about the fundamental distinctions between these two concepts, …

Having one of the best wallet apps in India on your smartphone can make it easy for you to make payments online. With this type of app, you can easily connect all your bank accounts or credit cards and make effortless payments.  If you carry your cards everywhere, there is a high risk of theft …

From paying your electricity bill, booking flights online or shopping at your favourite clothing brand, a digital payment makes the process quicker and more convenient. Also known as electronic payments or e-payments, it helps you make payments online from your cards, mobile phone or PC. In these types of payments, the payer’s bank deducts the …

The procedure of security lending and borrowing allows you to leverage your existing investment portfolio to unlock a wealth of new financial possibilities. Securities-based Lending (SBL) helps you amplify your returns and stay ahead of the curve in the stock market.  To know why it could be the missing piece in your investment strategy for …

Mutual fund loans allow you to leverage your assets to maximise returns and provide you with a strategic advantage. You can even unlock the potential of your mutual funds by taking a loan against them and then reinvesting those funds to compound your earnings.  Seasoned investors often use this strategy to access cash to keep …

Worried whether your CIBIL score reduces every time you check it or the lenders check it? It’s a common question since you may be keeping a tab on your score from time to time to assess your creditworthiness.  Apart from you, banks, NBFCs and other financial institutions may also be running a check if you’re …

When presented with a multitude of investment options, return on investment is a metric that can help you separate good bets from money pits. It allows you to evaluate potential ventures, predict profitability and mitigate risks.  Knowing the formulas to calculate it helps you make informed decisions and ensure that you never miss out on …

In India, there are a number of places to visit in monsoon which are popular among people of all ages. While some of these top locations are known for their scenic beauty, others attract travellers for their fun activities. Despite these places having numerous attractions for the family, you must choose the one that suits …

While getting a credit card, one can think if they should get it or try something else, Maybe you cancelled a card in the past but now realise it was perfect for you. So, can you apply for the same credit card twice?  The good news is – you can definitely apply again for the …