Author: Abhimanyu Singh

Owning a home is one of the biggest milestones in life, but financing it can become overwhelming if not planned properly. Whether you’re planning to buy your first home or upgrade to something more suitable, a 10 Lakh Home Loan comes with financial responsibilities that need structured budgeting. Adding factors such as the Fitment Factor from the 8th Pay Commission, this article aims to guide you through creating a robust and efficient budget plan. Why Budget Planning is Crucial for a 10 Lakh Home Loan A 10 Lakh Home Loan represents a significant investment that requires borrowers to not only…

Kerala has long been recognised for its strong social welfare framework. The state supports nearly 3.6 million beneficiaries through various pension schemes aimed at economically weaker sections. Despite this wide coverage, administrative delays and duplication in applications have, at times, slowed the timely distribution of benefits. To improve efficiency and transparency, the government introduced the sevana pension platform, a unified digital system designed to streamline pension delivery. Recent discussions around pending instalments and arrears under sevana pension have raised questions about timelines and processing. Understanding how the system works can help beneficiaries stay informed. What is sevana pension? The sevana…

The term Global Indices refers to stock market indices that different countries use to measure their stock market performance. Examples include the S&P 500 and Nasdaq in the United States. These indices show how a group of companies is performing in that market. Nifty 50 functions as an index in India that observes 50 major companies that trade on the National Stock Exchange. The global market system includes both Global Indices and the Nifty 50 index. International markets link together through their various market systems. Nifty 50 index prices react to price shifts occurring in Global Indices. 1. Market sentiment…

If you have encountered the code “ICIC0000104” while interacting with ICICI Bank services, managing your account online, or processing transactions, you’re not alone. This unique identifier plays a crucial role in banking operations, account verification, and regulatory compliance. This comprehensive guide explains what ICIC0000104 represents, why it matters, and how it affects your banking experience. What is ICIC0000104? Understanding the Code Structure ICIC0000104 is a standardized banking code used within India’s financial system, specifically associated with ICICI Bank Limited, one of India’s largest private sector banks. Breaking down the code: ICIC – Bank identifier code representing ICICI Bank 0000104 –…

When you enter a coworking facility in Bangalore or Mumbai, you will find hundreds of people sitting at their laptops dreaming of becoming the next “Unicorn.” Entrepreneurship has turned out to be the buzzword in India. We watch it on reality programs, read it on LinkedIn, and have heard it at family weddings.  It is not only about having a great idea or bossing people around, but also about being an entrepreneur. It is a multi-dimensional work that demands you to carry ten hats simultaneously. Whether you are running a small tech Kirana business or a huge manufacturing plant, the…

Making a property buy is not merely a monetary step but an emotional one in India. It could be our parents who insist that Zameen is the only real property, or it could be the desire to have a steady rental income that is making real estate a favorite among Indian investors. But, to be frank, the market has transformed. Days are gone when you could buy any plot wherever you wished on the outskirts of a city and know that it would go up four times in three years. Nowadays, the Indian real estate market has become more controlled,…

Taking a home loan feels like a big step in life. You plan your EMIs, adjust your budget, and commit for years. But somewhere in between, you might get extra money — maybe a bonus, a business profit, or savings. That’s where a Home Loan part payment calculator becomes useful. Instead of guessing how much you will save, this tool shows you exactly how your loan changes after part payment. And trust me, understanding this can save you lakhs over time. In this guide, I’ll explain everything in a simple, practical way so you can make smarter decisions. What is…

Owning a house in Bangalore feels great. But it also brings one yearly task you cannot ignore, BBMP Property Tax. Many people delay it or feel confused about the process. The rules look complex at first. Once you understand the basics, the process becomes simple. This guide explains everything in a clear way. You will learn how to pay, how to calculate, and how to avoid penalties. What is BBMP Property Tax? BBMP Property Tax is a yearly tax you pay to the Bruhat Bengaluru Mahanagara Palike. The money supports city services. Roads, street lights, drainage, parks, all depend on…

If you plan to invest in IPOs, you will often hear people discussing GMP. Some investors even decide whether to apply or not based on this number. But if you are new, it can feel confusing. Let me explain it and practically so you can actually use this knowledge in real life. What is GMP in IPO? GMP means Grey Market Premium. It is the extra price at which IPO shares are traded before they get listed on the stock exchange. In simple terms, GMP tells you how much more investors are ready to pay for an IPO share even…

Using UPI has become a daily habit in India. From paying chai bills to shopping online, everything feels quicker and easier. But many people still ask one common question — can we use a credit card on PhonePe? The answer is yes, and the process is quite simple once you understand it properly. In this guide, I will explain how to add credit card in PhonePe, how to link it to UPI, and what you should keep in mind before using it. Understanding Credit Card Support in PhonePe Before you start, you should know one important thing. PhonePe allows you…