The modern Indian consumer has never had easier access to credit — from credit cards and instant personal loans to Buy-Now-Pay-Later (BNPL) apps at checkout. But with this convenience comes confusion and, sometimes, chaos. So how do you use credit smartly  without falling into a debt trap ?Let’s decode the good, the bad, and the smart side of credit in India today. What Is Debt and Why Do We Take It? Debt simply means borrowing money today to pay later . It can help you buy

What is a SIP? A SIP is a method of investing a fixed amount at regular intervals (such as monthly) in mutual funds. Instead of investing a large lump sum at one time, SIP allows you to average out your investment cost by purchasing more units when prices are low and fewer units when prices are high. This helps in rupee cost averaging and reduces the impact of market volatility on your investments Why Choose SIP? Aspect SIP Investment Lump Sum Investment Disciplined Investing

Many investors seek simple heuristics or rules to guide their investment decisions. One such rule in the Indian mutual fund space is the...