Rupakumar Pradhan, CFPCM, CWM®

Personal Financial Advisor

Practical Views on Money, Finance & Life .....

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 Hot Topics
  • Hidden Charges In Your Saving Bank Account Savings accounts are designed to encourage more savings, unlike current accounts which allow unlimited transactions and do not offer any interest. An individual who has a steady income for example...
  • Repo Rate Cut Means For Your Home Loan EMI Clients are asking about RBI’s recent repo rate cut and it’s impact on their home loan EMIs. In future, home loan EMI will increase or decrease? Is it good or...
  • 12 Credit Card Tips Credit Card – it is very easy to use but very dangerous if you have misused it. A credit card can be a valuable tool if you know how to...
  • Small Savings Schemes: New Interest Rate On PPF, NSC, KVP, Sukanya Samriddhi Scheme Central Government in its latest revision of small savings scheme rates has cut interest rate by 20 basis points for the January-March 2018 period. However, the interest rate in the...
  • Which Interest Income is Taxable? Interest earned above a certain limit attracts tax deduction on interest income, but many individuals are not sure how tax is treated or how their interest income is getting charged...
    Repo Rate Cut Means For Your Home Loan EMI

Repo Rate Cut Means For Your Home Loan EMI

Clients are asking about RBI’s recent repo rate cut and it’s impact on their home loan EMIs. In future, home loan EMI will increase or decrease? Is it good or bad for home loan EMI? It’s a fact that all the financial headlines are linked to the recent monetary policy

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    12 Credit Card Tips

12 Credit Card Tips

Credit Card – it is very easy to use but very dangerous if you have misused it. A credit card can be a valuable tool if you know how to use it properly. Likewise, using credit cards irresponsibly can lead to a world of hurt. The way you use credit

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    Small Savings Schemes: New Interest Rate On PPF, NSC, KVP, Sukanya Samriddhi Scheme

Small Savings Schemes: New Interest Rate On PPF, NSC, KVP, Sukanya Samriddhi Scheme

Central Government in its latest revision of small savings scheme rates has cut interest rate by 20 basis points for the January-March 2018 period. However, the interest rate in the five-year Senior Citizens Savings Scheme has been retained at 8.3 per cent. Interest on post office savings deposits has also

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    Which Interest Income is Taxable?

Which Interest Income is Taxable?

Interest earned above a certain limit attracts tax deduction on interest income, but many individuals are not sure how tax is treated or how their interest income is getting charged under tax. Fixed deposits, savings account, post office schemes, corporate bonds, corporate fixed deposits, recurring deposits earn income interest, which

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