Category Banking in India

Unity Small Finance Bank offers 9% on FDs. SBI offers 6.8%. The obvious question: why would anyone choose the lower rate? The less obvious question: what…

In 2024, you can open a fully functional bank account in 10 minutes on your phone, never visit a branch, and access features traditional banks still…

India has four major electronic money transfer systems — and most users pick one blindly without knowing the differences. Choosing the wrong system can…

Every time the RBI Monetary Policy Committee meets (six times a year), there is a chance your home loan EMI will change. Understanding the transmission…

A home loan is the largest financial commitment most Indians will ever make. Getting the rate, tenure, and prepayment strategy wrong can cost lakhs over…

Not all fixed deposits are equal. The difference between SBI's FD rate and a small finance bank's rate can be 2–3% — which on ₹10 lakh is ₹20,000–₹30,000…

When PMC Bank failed in 2019 and Yes Bank faced a crisis in 2020, millions of Indian depositors discovered — often in panic — a system they had never…

A credit card is the most powerful and most dangerous financial instrument in the average Indian's wallet. Used correctly, it builds credit score, earns…

The Reserve Bank of India is not just India's central bank. It is the spine of the entire Indian financial system — the institution that controls the…

FDs and RDs are India's favourite capital-safe instruments. Together they hold trillions of rupees of Indian household savings. But they serve different…

Every home loan, car loan, and personal loan application triggers one action before a bank looks at anything else: a credit bureau check. Your CIBIL score…

Every Indian adult has a bank account. But most don't know the difference between account types — or why choosing the wrong account costs money. Here is…