Shikha The Public Provident Fund (PPF) is widely chosen for its safety, tax benefits, and guaranteed returns. But beyond long-term savings, the PPF scheme also offers liquidity support through a loan facility — a feature many investors overlook. This option allows you to borrow money against your PPF balance without breaking your investment or affecting the … Read more
LIC (Life Insurance Corporation of India) is one of the most trusted insurance providers in the country, known for offering a wide range of life insurance plans that combine protection with savings. In times of financial need—whether it’s medical emergencies, education expenses, or a temporary cash crunch—many people seek quick and reliable loan options. What … Read more
Ever heard the phrase: “No credit is just as bad as bad credit”? If you’ve ever applied for a loan and got rejected just because you had no CIBIL score, you’ve already faced the frustration. But here’s the truth—having no CIBIL score doesn’t mean you’re financially irresponsible, and it certainly doesn’t mean you can’t get … Read more
Let’s be honest—writing a sales script from scratch can feel brutal. You’re great at talking to people, but staring at a blank screen? Not so much. And when you’re juggling leads, follow-ups, and pressure to hit quota, finding time (or brainpower) to craft the perfect pitch feels next to impossible. So, you turn to ChatGPT. … Read more
With AI becoming more useful in everyday life, many people are turning to tools like ChatGPT for writing help, coding support, idea generation, and more. ChatGPT 4o is the latest and most advanced model from OpenAI, offering faster responses, better understanding, and even image and voice capabilities. But if you’re thinking about paying $20 for … Read more
When you issue a cheque, whether for paying bills, transferring money, or settling transactions, it’s important to know how long that cheque remains valid. The validity period determines the timeframe within which the cheque can be presented to the bank for payment. But how long is that exactly? And what happens if you try to … Read more
If you’re just starting to manage your finances, cheques can seem confusing — especially when someone asks, “Can you write a cheque on my behalf?” Suddenly, you’re unsure what to write, where to sign, or whether it’s even allowed. Don’t worry — you’re not alone. Many people new to banking face the same question when … Read more
If you’ve been asked to submit a cancelled cheque and you’re wondering, “Where do I even get one?” — you’re not alone. It’s a common requirement in financial paperwork, yet surprisingly unclear to many who are encountering it for the first time. Whether you’re opening a salary account, completing your KYC, applying for a loan, … Read more
Buying a car is a major financial commitment, often made manageable through car loans. Naturally, many taxpayers ask: Can taking a car loan help reduce my tax burden? Are there any tax exemptions available on car loans? Understanding the details behind these questions can help you save money and make smarter financial decisions. In this … Read more
How much of your Provident Fund (PF) can you actually use to buy a home or pay off your home loan? This is a common question among salaried individuals looking to leverage their PF savings for housing needs. The PF withdrawal for home loans isn’t just about dipping into your savings — it follows specific … Read more