The Vibe Journal: Finance Blogs

In the increasingly interconnected digital landscape, online scams have become an unfortunate reality, preying on unsuspecting individuals and organisations. From phishing emails to fake investment schemes, the realm of financial fraud is vast and ever-evolving.  One way to protect yourself from these is to be aware of the tactics that scammers use and the tips …

The fixed deposit interest rate of HDFC Bank varies depending on your deposit amount and tenure. HDFC is one of India’s leading private sector banks, offering a range of financial products, one of them being fixed deposits.  At HDFC Bank, you can open an FD account with an amount as low as ₹5,000 up to …

A DD is one of the most reliable banking tools for secure money transfers. The DD full form is Demand Draft. It’s a prepaid instrument where the amount is deducted from your account at the time of issue. So there’s no risk of the payment bouncing later. Even with online payments becoming more common, DD …

A PAN Card isn’t just for adults — it can be a valuable financial tool for minors too. From opening a bank account to investing in their future, having a PAN Card early sets the foundation for smart money management. Thankfully, you can easily apply for a PAN card for minors online or offline.   Read …

Debt-to-income ratio is an essential criterion that helps financial institutions evaluate your finances. This figure affects the loan amount and credit card limit that you can get.  When you apply for credit, lenders determine this ratio since it reflects your borrowing capacity. Continue reading to understand the significance of this ratio in your loan application …

Earning tax-free income means you can save big on your taxes. Did you know that multiple means help you do just that? From gratuity to income from agriculture, you can wisely safeguard such hard-earned money and use it for all of life’s upgrades and emergencies.  Keep reading to know more about these lucrative tax-free sources …

To save on taxes, you can explore various tax saving investments. These avenues can offer deductions under the Income Tax Act of 1961. You can choose from several schemes under the following sections: To know more about these tax saving instruments, read on.     Top 5 Investments for Tax Savings in India Here are some tax …

An account payee cheque is also known as a crossed check, which has two parallel lines mentioned on the top left. Between the two lines, you need to write ‘A/C payee’. Irrespective of many digital options, cheques are one of the popular ways of making financial transactions. One of the main reasons for choosing cheques …

The RTGS full form in banking is Real-Time Gross Settlement. RTGS is a way to transfer money from one bank account to another instantly, without waiting. If you have ever wondered what is RTGS and when you should use it, think of situations where speed really matters. Maybe a property payment. Maybe a business transfer. …

If you’ve ever received a notification about ATM card AMC charges and wondered what exactly they are, you’re in the right place. AMC or Annual Maintenance Charges are fees banks levy to cover the costs of managing your debit card, including customer support, fraud protection, and infrastructure maintenance. Some banks offer free debit cards with …