Atal Pension Yojana – Features & Eligibility explained in detail

Recently the govt has announced the pension scheme called “Atal Pension Yojana”, which is targeted at workers from lower class who work in unorganized sector which constitutes around 88% of the workforce. An account needs to be opened under this scheme and monthly contributions needs to be made till the time of retirement after which […]

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New Fraud by Agents – Changing Policy tenures from “Single Premium” to “Yearly”

Today, I wish to highlight a fraud, which has been going on for many years, but one that has not received enough attention. While the fraud itself is small and easy to conduct, its impact on investor wealth is significant. What is exactly is the Fraud ? Many investors, who wish to deposit money in […]

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How you are cheated at Petrol Pump and lose money on every visit ?

Today I am going to explain a trick employed by Petrol Pump guys which might be costing you a lot of money on a per year basis. You might be loosing a couple of thousands each year because of this scam which probably goes on at each petrol pump. How Fraud at Petrol Pump Works! […]

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A detailed information about Inflation Linked Bonds from RBI and investment in it

RBI has announced that its going to issue Inflation Indexed National Savings Securities – Cumulative (IINSS-C) for retail investors where one can invest and get returns equal to Inflation + 1.5%. These bonds are now coming up in markets, as it was announced in the last budget that govt will bring inflation linked products very […]

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Are you getting fooled and paying extra money on your restaurant Bills ?

Do you know that you might have lost thousands of rupees in paying extra money on restaurants bills over last few years, just because you do not understand what does service charge, service tax and VAT actually means and how are they calculated. Most of the times customers take it for granted assuming that hotel […]

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6 type of Portfolio Diversification – Meaning & Strategies

A lot of people with high networth still do not understand Portfolio Diversification. They made good money, their investments have zoomed over the years and they feel that they have understood the mantra for growing wealth. However an important parameter to look at is “Diversification” . How much diversified you are in your overall financial […]

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Relationship Manager – What are they and what they do ?

In this article we will discuss about “Relationship managers” . I got an interesting comment about “Relationship Managers” on my facebook wall from Prasad when we were discussing about recent HDFC Life offering on 100% Free Financial Planinng through snapdeal. Here is Prasad’s sharing on his relationship manager and what happened with him . I […]

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How to Create your own Child Policy with this Calculator

Everyone is so desperate to buy a child plan (example). The features of so-called children plan are bundled in a way that it looks magical, as if there can’t be any other product like a child plan and hence, we pay much more than the price it really deserves most of the times. So today […]

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How two readers got justice and got their money back

Today I want to show you how 2 fellow readers of this blog were in a fix when it came to their hard-earned money and they were struggling to get justice from their respective banks and financial institutions. They mailed me and commented on this blog and when I saw those comments, I thought – “lets […]

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Resolve your Consumer complaints in India in Personal Finance

Have you been mis-sold any financial product? If yes, then you must be confused on how to approach the consumer forum and talk to the company’s customer care to get justice. While there is no guarantee, neither there is any magical formula on getting justice. There are few rules and some tips which you can […]

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