How your PAN card can be misused? PAN card which is also known as the permanent account number is a 10-digit alphanumeric identity, allotted by the Income Tax Department to each taxpayer in India. ...
IndianMoney App – A Personalized Application for Financial Education IndianMoney App is a fully customized and comprehensive financial education application introduced by IndianMoney.com, a w...
The rapid growth of the internet in India has placed great importance on online platforms. The online marketplace has transformed the way you shop. The online platform helps in price compari...
If you have a complaint against a bank, the first thing you must do is contact your banks customer care and register your complaint with them. Complaints such as levying unnecessary charges without pr...
In today's market, real estate frauds are increasing day by day. Even though customers are well informed, it has become very difficult to identify frauds in real estate. In this blog, we will disc...
UIDAI allows you to temporarily lock and unlock your biometric information, to prevent any kind of misuse. Biometric information consists of iris, fingerprints and the facial photograph. Iri...
It's the season of layoffs and you are definitely worried. Your close friend has just lost his job and you are worried. Perhaps you're next. Finally...Some luck. A very...
Unified payments interface popularly called UPI, has been launched by National Payments Corporation of India (NPCI). Using UPI you can pay different merchants, directly from your bank account, wit...
You have just entered a new age. This is the digital age. Your weapon of choice…The mobile wallet. You can use your mobile wallet to send and receive payments. After Demonetization, the mob...
There are several ways to save tax legally in India. Systematic tax planning during the year, can help you save tax. Before you start tax planning, you should know some basic points about saving you...
Habits, whether good or bad, stay with you for life. This makes it very important for you, to develop good habits…especially financial ones. You also need to avoid learning bad habits&helli...
More than 95% of transactions in our country are through cash. Nothing surprising…You see this all around. On November 8th the Government scraped 500 and 1000 rupee notes in the economy. Thes...
Life is unpredictable. Some financial emergency can strike you, which can land you in a lot of trouble. You work hard for a better life and better future but, some things are beyond your control. ...
Debt and investments are two important elements of personal finance, which help you meet your financial goals. Debt allows you to increase your financial capacity by borrowing, so that you can mee...
You live in a fast World….Money transactions take place in an instant. You can withdraw money from an ATM, 24*7, using your debit card. You can make purchases online, using your debit card....
Personal loan is your loan for an emergency. You can use this loan, just as you wish. You don’t have to give the reason for availing this loan. This is your emergency loan for wedding expens...
Government is in talks with mobile phone manufacturers, to make sure mobiles manufactured in India, have inbuilt iris and thumb identification, to enable Aadhaar based transactions. With the sc...
Our citizens love gold. Yes…Indian households have more than 20,000 tonnes of gold, lying at home. Weddings, festivals…you see Indian women coming out of their houses, decked in gold...
You love eating. You tend to overeat whenever you visit your favorite fast food joint. This is a bad habit which you just cannot overcome. Overeating leads to indigestion, an upset stomach and lat...
From tomorrow, December 2nd 2016, you can no longer use old 500 rupee notes at petrol pumps and for buying air tickets at airports. From 3rd December 2016, old 500 rupee notes, cannot be used for ...
You are young…just finished your 31st Birthday and getting ready to enjoy life. Yes….youth in the peak of health, must enjoy life. Enjoy yourself, but do so responsibly and not at th...
You may be tempted to dump money in your savings bank account, to secure your future. This is not a good idea. Savings bank accounts give you very less returns, compared to investments made in bon...
IndianMoney has been recognized as one among 93 businesses, to be honored with ‘2016 HOT in Bangalore’ conferred by Owler. Owler recognizes the top trending Companies in cities all ove...
Good News for farmers Farmers can withdraw up to INR 25,000 a week, against crop loans sanctioned and credited to their accounts. Farmers using Kisan credit cards, are subject to the same new l...
500 rupee notes and 1000 rupee notes are no longer legal tender in India, as of November 8th, 2016. Does the scrapping of high value notes, check black money hidden in real estate? Yes, this move ...
The dreaded word….layoff. It strikes terror in your heart. Worse….it can happen at any time. You work so hard….everyone in the office likes your work…Your team mates an...
There is a famous saying by John Maynard Keynes, “The avoidance of taxes is the only intellectual pursuit that carries any reward.” Yes….you work very hard to earn every rupee. ...
There is a great saying, “There is nothing like staying at home for real comfort.” The feeling you get owning a home….priceless. But there’s a small problem….Your d...
Times have changed….Days have passed when you would stand in a long line, just to pay your electricity and water bills. Today bills are paid in seconds. You want to send money to family and...
Mohan is a migrant laborer who works in Mumbai. His family resides in UP (Uttar Pradesh). Mohan’s family members have to walk several kilometers, to pay utility bills. For those who don&rsqu...
This is the age of smart. The smartphone is here to stay. Our citizens are grabbing smartphones like never before. Our country will soon have more than 20 crore smartphone users. With a smartphone...
You are a Central Government Employee. This is Bonanza Time. You have received a higher salary in August, than you had received in the month of July. You have also received the arrears for b...
There is a famous saying by Paul Leroy, “Taxes are simply contributions demanded of citizens as their share of the expenses of government.” Now you got a new tax….GST….Th...
There is no better time than retirement, to catch up on all the good things you have missed in life. Retirement is when “Time is truly yours.” Yes…you have worked hard, saved an...
Why do you avail a life insurance plan? Is it to get tax benefits, or is it to provide for your family, on an untimely demise? Let’s face it….You and most of our citizens, avail life ...
You must have heard the famous saying “Interest on debts grow without rain”. How true this saying is. Some debts are fun while acquiring them, but not while retiring them. You must hav...
Your friends boast of the money they make in the stock market. They seem to have everything. Latest smart phones and laptops, designer clothes and pretty much everything they want. The secret of their...
The month of April is fast approaching.Time of Performance appraisals . Aren’t you eagerly waiting for that salary hike? Getting a salary hike is one thing….Managing that extra money ...
You must have heard this story when you were young “The Hare and the Tortoise”. The hare is much faster than the tortoise. In the end it is the tortoise which wins the race. In the Wor...
There’s surprising news for you… You might have heard of the oil and gas rich Gulf country, Qatar. We are separated from Qatar by the Arabian Sea. What’s great about Qatar, is t...
Your big day is here. You have waited so long for it. You are getting married. Marriage is not a bed of roses. You need money to lead a good married life. Marriage is all about sharing and ca...
Quick money….Doubling returns….Money growing on trees…What can be better? This is the heart of a Ponzi scheme. A Ponzi scheme uses your own weakness against you. Greed…...
You want to invest in stocks. You have heard of the great returns you get there. Your friends have got bumper returns by investing in the stock market. You want to get those returns too. You ...
You have attained the 30 year milestone. You are now 30 years old. You feel that you have achieved a lot in life. Yes….a lot of money goes on financing your costly lifestyle. But you are...
You earn a lot, but are always unhappy? You buy a new shirt, but get into a fight with your wife, which kills the joy of the purchase. You have just bought a new smart phone from a retail store...
A city which has all the basic infrastructure such as 24/7 water and electricity supply, excellent sanitation and solid waste management, a very good public transport system, well connected IT Sys...
There is a famous saying “There's something About Gold That Brings Out the Avarice in Men”. Investing in gold and gold jewelry has been an essential part of Ind...
The income tax department gave you a deadline to file your income tax returns, for the Financial Year 2014-15 by August 31st 2015.You missed filing your ITR by this deadline. No problem…...
You must be well familiar with the word inflation. This is the general rise in prices of goods and services in Society. You don’t have to travel far to see and feel its effects. Everybody&rsq...
The Buzz words today are China and Stock Market Crash. Just a week ago, the Bse Sensex had crashed by over 1500 points. Concerns over China had led to this crash. The Result&hell...
You woke up to a bright Monday morning on August 24th 2015 and checked your stock portfolio, only to get the shock of your life. The BSE Sensex had fallen by over 1000 points. Yes I said 1000 poin...
You must be knowing the art of comparison. Why do you compare things in life? Isn’t this essentially to aid you in your decision making process? In finance you use the term “Opportunit...
Investing in the stock market is all about awareness (knowledge) and alertness in spotting opportunity. Top to bottom approach This approach is all about the Big Picture. The Bir...
Income tax slabs for the financial year 2013-14 for an Indian citizen below 60 years of age Annual Income Tax Rate 0- INR 2 Lakhs ...
Age The minimum age for a salaried person to avail a home loan is 21 years and the maximum age ...
Check your eligibility criteria and the interest rate charged on the home loan Maintain a good cr...
What is nomination? If you have a fixed deposit, shares or mutual funds you need to make a nomination where you state who will get the money lying in these accounts on your death. The person you ...
CIBIL score: What is it? Credit Information Bureau India Limited popularly known as CIBIL was founded in Augu...
There is a famous saying “Fools rush in where angels fear to tread”. What does one learn fro...
Investing in stock markets is all about emotion. There is a famous saying in stock market parlance “Buy on the rumor sell on the news” .Over the years a number of myths h...
"Be fearful when others are greedy and greedy when others are fearful” is a famous saying by Warren Buffett. Two very important emotions are emphasized which are greed and fear. How many ...
One must have heard the famous saying “Law of inflation .whatever goes up will go up some more. One certainly knows what this means. What is there today is there tomorrow. Only the prices have...
One must be wondering at the origin of such a strange word and what it means. The word bancassurance has its origin in France. The word banc is French for bank. The word assurance basically means th...
One of the trickiest things in life is making a decision when to enter and exit the stock market. Investing in the stock markets is all about timing. Yet the timing is never right .Stocks never seem ...
Does one want Money doubling in a jiffy? Tripling returns in weeks. Then take a leap into the stock market. This is commonly heard when one discusses money matters among friends. At the other end of ...
On a lazy Sunday afternoon Mr Damodar an IT programmer aged 35 years visited a top retail store in Bangalore with the intention of purchasing a newly launched version of a smart phone manufactured b...
"Money Plays The Greatest Role In Determining The Course Of History". How true this is when compared to the sorry state of affairs in our country. When Will The Rupee Hit A Century Against...
Invest Invest Invest.....This is a saying which one hears all the time. An investment in stocks is like a rising tide which lifts all boats. When that tide rises your boat better be in it. Isn&r...
What is one’s greatest desire in life? Surely it is becoming rich at a young age. Isn’t one fascinated by reading the success stories of great personalities such as Michael Dell and ...
What is it about cars that turns one on? Why do people spend hours watching Formula 1 Grand Prix on television? These are the questions which surely require some answering. There is a famous say...
One must have heard the famous saying "Life’s Tragedy Is That We Get Old Too Soon And Wise Too Late". One wonders how this saying came into existence. The reason could be somethi...
One must have surely heard the famous saying "Age Is A Question Of Mind Over Matter. If You Don't Mind It Doesn't Matter". One must be wondering whether this statement holds tr...
One has surely heard the famous saying "The Greatest Investment On Earth Is Earth" .You must be wondering what was the rationale behind such a great saying. There is no investment that...
One Lives in a World Of Tragedy. One clearly remembers the flood that took place in Uttarakhand. The loss of life and property was immense. Earthquakes across the World and in India remind one o...
Where does one look for a solution to a problem these days. Chances are "The Internet". Internet has become a source of knowledge like a well whose water never dries up. Ever wondered ...
One has surely heard the proverb "Health Is Merely The Slowest Rate One Can Die". So what does this mean? .This basically means that surely life is one of the most cherished possession...
Most of the Ponzi schemes in our country follow the famous saying "Either Write Something Worth Reading Or Do Something Worth Writing". This is a policy strictly followed in the Ponzi ...
The biggest problem faced in our country is the passive approach followed in managing our finances and our insurance policies. Most of us expect our finances to manage themselves. This results i...
One of the main topics you hear every day is "Loan Defaults". The question at the top of your mind is "Why Do People Default On Their Loans? " The borrowing habit is a bad on...
Do you purchase an article from the shop without asking it’s features. What is the first question you ask when you want to buy a new Smartphone?. Isn’t it the price?.You next ask about...
Do you still get nightmares which keep you awake at night? Do you see yourself being trampled by a herd of buffaloes? Yes inflation represents that herd of buffaloes. Inflation has thi...
One must have surely heard the famous quote " Inflation Is A Painless Disease with a Cure That Hurts ". One has surely gone to the theatre in the last few weeks. The tickets are priced...
The US Subprime crisis as well as the severe beating taken by reputed investment banks in Europe and the US on Credit Default Swaps and other derivative instruments created shock waves in the ba...
Today’s world abounds in banking and financial scandals. The banks of today have redefined the art of money laundering. Some of the biggest banks in the United Kingdom were charged billion...
One has heard the famous saying " Today It Takes More Brains And Effort To Make Out The Income Tax Form Than It Does To Make The Income ". One surely knows what is planning and the nee...
Stuck with filing your income tax returns due to the heavy rains in your state? You can’t file those income tax returns before the pending deadline of July 31st 2013 due to an unexpected p...
One must have heard the famous saying " Taxes Are Paid In The Sweat Of Every Man Who Labors ". No matter how old one is, one continues to pay taxes. Taxes are the fruit and sweat of on...
One has surely heard the famous saying " With Age Comes Wisdom " .Experience is a great teacher. More the number of times one files those income tax returns more is one’s underst...
Do you jump into a lake if you do not know how to swim? You must be thinking what a stupid question to ask. You must be knowing a number of your friends who say they can handle any financial pro...
The Big Day rapidly arrives. Yes I am talking of July 31st 2013.Time to file your Income Tax returns. Time to collect your Form 16. Time for you to learn to file those returns. Made a ...
You must have heard the famous phrase " When You Realize That You Have Made A Mistake Take Immediate Steps To Correct It ". You must be wondering what does this mean. You may be thinki...
What is your favourite food item? If you are a non vegetarian it must be Chicken Biryani. If you are a vegetarian it must be Vegetable Pulao. What happens if you eat this every day? .You would m...
You must be knowing of the three main seasons in our country. After summer comes the monsoon and after monsoon comes winter. You must be knowing of another season as July 31st 2013 rapidly appro...
You must have noticed how certain famous MBA Colleges in India outsource the selection process of the students in their colleges to certain training and recruitment firms. These firms on payment...
I don’t need any help. I would like to go about it alone. Isn't this what you must have heard a thousand times whenever the topic of investing in the share market comes up? .What do yo...
You must have heard the famous quote " Life Is Too Short to Wake up with Regrets ".You must be wondering why I am talking about such a saying. In life you have to choose wisely and sma...
Have you ever come across a situation where you have taken a walk along a hilly path until you have reached a fork in the road. You are at the" Crossroads ". You have to make a decisio...
You must be knowing that life is full of alternatives and choices. When you visit that mobile store to make your new smart phone purchase the salesman brings you two smart phones strikingly simi...
You must have heard the famous saying " Haste Makes Waste ". Are you always on the run in life? .You want things done fast and are always on the move. You have a motto which says "...
You must have heard the famous saying by Dr Mohammed Yunus the pioneer of Microfinance and the winner of the Nobel Peace Prize in the Year 2006 for his contribution to the growth and development...
Haven’t you seen the Pyramids of Egypt? Have you ever wondered how they were built to such a height? If you look carefully you will see that they were built out of limestone blocks which w...
You must have heard the phrase " The Car You Drive Say's a Lot About You ". You must be knowing that a car is more than just a medium of transport but a symbol of power and prestig...
We all are burdened by the vagaries of life. Loans simply add to it. Cheer up!…Remember the less you have the more there is to get…credit cards are like mosquito’s …you ...
“Be Grateful For The Home You Have Knowing That At This Moment, All You Have Is All You Need”. This is a famous saying explaining the importance a home plays in our family lives. Each ...
You must have heard the famous saying" A Four Wheeler Moves Your Body A Two Wheeler Moves Your Soul ". Haven’t you heard of the trailblazers blazing their way across India? The l...
You must have heard the famous saying " The Challenge Of Retirement Is How To Spend Time Without Spending Money ". You know the perils of retirement " Plenty Of Time At Hand And N...
The first question that generally comes to your mind whenever you are subject to abuse is when reforms would come into place that would salvage your situation. Mis selling is a rampant practice ...
During your shopping expeditions you must have come across a number of advertisements which say " Buy More For Less ". You may have also heard " Buy Two Get One Free " and &q...
Do you purchase an article from the shop without asking it’s features. What is the first question you ask when you want to buy a new Smartphone?. Isn’t it the price?.You next ask abo...
What is wealth without health? Would you choose a diamond studded wheelchair over a fit and healthy body.No Definitely Not?. A fit body and a fit mind are very necessary to stay competitive in o...
Oh What A Sigh Of Relief. Finally It Is The Weekend Aren’t these the words you say on every Friday of the week? Now after a tiring six months you take that holiday which you feel is very n...
Don’t you remember your childhood days when you received gifts on your birthday and festivals? What joy it brought you .Don’t you remember the Christmas season when you stayed up the w...
You must have heard the phrase "Life Is Short Do Not Waste It". This short life is even shorter due to the uncertainties of life .Do you know what would happen to you tomorrow? Certainly N...
You all know the price of land in India particularly in the metro’s .Isn’t it phenomenally high? In India isn’t land encroachment and land grabbing a common phenomenon? .Let us consi...
You must have heard of the famous saying by Oscar Wilde “When I Was Young I Thought That Money Was The Most Important Thing In Life, Now That I Am Old I Know It Is”. Doesn’t this...
Don’t you feel that everything you earn is taxed ?.Whatever I earn nothing is left behind .Everything goes in taxes. Well there is some good news for you .Not all income you earn is taxed ...
You must have noticed that almost anything is insured today. Hollywood and other celebrities have taken a fancy to insurance products. The film stars perceive their body parts as assets and if t...
Here I would like to start this article by defining “What Is A Myth”. A myth is a story which may or may not be true. It is generally old and its conclusions might have been lost in ti...
Oh God…I have spent weeks at my desk. Don’t remember when I took a break last. Are these the words you keep constantly repeating? This means it is high time you took that elusive holi...
Tax….Tax…. Tax…How many times we hear people complaining about this … Every time I go shopping I do not have any money to spend …all of it goes to pay Tax. ...
You must have seen how the stock markets have moved in the past one year. If you compare the value of the previous year of the BSE Sensex with the current value you would h...
When you purchase a life insurance product what is the first name that comes to your mind. Obviously its Life Insurance Corporation Of India..Have you ever wondered why LIC commands so high a bran...
You may have heard the saying “A Good Banker Like Good Tea Can Only Be Appreciated When You Are In Hot Water”. Haven’t you heard the saying “Fire Tests The Purity of Gold A...
Don’t you aim for stability in any venture you undertake in life? Nobody likes sailing in the stormy seas. Haven’t we all heard the phrase “More The Haste Lesser The Speed &ldquo...
An Opportunity to make a quick buck…An Opportunity never to be missed... Money is to be made….Carpe Diem ‘Seize the Day’ this is the motto of the insurance agents....
How many of us are caught up by the good looks of celebrities and the fashion trends they set? Some of the top brands in the world are endorsed by celebrities. Brad Pitt endorses Gucci. David Beck...
We have all heard the phrase “Little Drops Of Water , Little Grains Of Sand , Make The Mighty Ocean And The Beauteous Land”, What does this phrase mean ? This basically means that Syst...
Here we have the famous saying “Everything We Have Is Taxed Including Our Patience”.Oh why do we all have to pay taxes? Isn’t there a way we can save on these Taxes? ,Here w...
Everything you want is a Click Away; Remember those Pop Ups asking us to purchase an insurance policy online..We Are The Best Financial Products Available Online And We Know How To Serve You Best&hel...
We must have all heard the saying “Still Waters Run Deep”. Why does this saying remind me of Sectoral funds ?. Sectoral funds require a thorough understanding. We need to tread c...
“The Educated Differ From The Uneducated As Much As The Living Differ From The Dead”. This is a famous saying by Aristotle. There is a time and place for everything in life. Does...
I would like to start this article by asking all students looking to pursue that MBA dream to take note of the famous quote by Steve Jobs "Your Time Is Limited , So Don’t Waste It Liv...
Many of us are in a hurry to take that home loan. As long as we can repay the home loan All Is Well. What happens when we cannot pay back the home loan? What happens if I lose my job o...
You must have heard the saying "What Happens In Vegas Stays In Vegas". Yes I am talking about the legendary city of Casinos and gambling .How we all love to see the American Roulette, ...
You must have heard the famous proverb “Laugh And The World Laughs With You, Cry And You Cry Alone”. What does this proverb mean? .This means that you always need to save for that rain...
Don’t you know how important a roof over your head is? This need is felt more so in a foreign country .One doesn’t know when and under what circumstances one would return to one&rsqu...
Here in insurance we have a number of different kinds of life policies. The choices we have are vast which results in confusion while choosing which kind of policy one wants. Here when one is face...
Here we have the famous saying “Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy”. We are a nation with a rapidly risin...
You must have noticed that the mutual fund and equity markets in India have boomed when markets in Europe and the USA had crashed after the USA Subprime Crisis. The BRIC’s nations had gene...
Real Estate is at the core of almost any business and it is certainly at the core of most people’s wealth .In order to build up your wealth you need to know about real estate. Don’t ...
Haven’t you played with bubbles when you were young? You blew them out of a small bottle and these bubbles rose in the air .After flying for some time they burst. Doesn’t this remind you o...
Are you looking for the safest place to invest…..??? Most of the time people prefer Fixed Deposits (FD) when it comes to safer investment avenues. The only disadvantage of FD is that unli...
Own house is one of the biggest dreams of every family and it is one of the largest buy they make in their life. Buying a flat involves huge money and while investing such huge amount one needs ...
Loan which is used for personal needs is called Personal Loan. It helps to meet the needs like Investment, Holidays, Wedding Expenses, Medical Expenses, Business, Consumer Durables, etc. Persona...
We’ve often heard of "the secret of successful investing is to diversify their risk" - so how does one go about this? And what does diversification really mean - does it only mea...
In an annuity, the insurer agrees to pay the insured a predetermined sum of money periodically. The objective of an annuity is to protect against risk as well as provide money in the form of pension a...
Normally people who don't know much about the stock market often search for information online. IndianMoney.Com is always concerned about the needs of its investors. To help them in taking the ri...
We have all heard the phrase “Nothing is Certain As Death And Taxes”. No matter how old you grow you have to pay tax. There is no age limit for taxation. Here in India we also have a...
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