Are you on the lookout for a reliable investment avenue that provides stable returns while ensuring the safety of your hard-earned money? National Savings Certificates (NSCs) might just be the solution you’ve been searching for. In this article, we’ll delve into the pros and cons of NSCs to help you decide if they align with your financial goals. Pros of National Savings Certificates: Fixed and Assured Returns: NSCs offer a fixed rate of interest, providing investors with a predictable stream of income over time. It is backed by the Government of India. The assurance of the government backing makes them …

Are you considering making early withdrawals from your National Pension System (NPS), but feeling unsure about the rules and implications? Many individuals contemplate this option as they navigate their financial journey. Whether it’s for unexpected expenses or to meet any other financial goals, understanding the ins and outs of withdrawing from NPS before retirement is crucial. In this blog we will delve into the intricacies of NPS withdrawal rules, covering partial withdrawals from Tier I and Tier II accounts, conditions for such withdrawals, and premature exit options. NPS Partial Withdrawal Rules NPS offers two accounts – Tier I and Tier …

For your direct equity investments, the Price-to-Earnings (P/E) ratio stands as a beacon, guiding you through the tricky waters of stock valuation. It helps you understand what other investors are willing to pay for one rupee of company’s earnings This simple metric can help you understand the expectation from a stock in the market and whether the stock is expensive or cheap. Yet, when it comes to equity mutual funds, should you give P/E the same importance and care or does it need a more nuanced evaluation, one that is different from the conventional wisdom surrounding individual stock valuation? The …