Generic

Generic concepts encompass fundamental principles applicable across diverse domains, serving as foundational knowledge for understanding various aspects of the financial landscape. 

Read and understand the basics concepts of stock market to make successful investments.

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What is a UPI ID?

With the advent of technology, digitisation has taken over the world since the early 2000s. It was high time for India to revolutionize the payment...

Non-Performing Assets (NPA)

Banking has various tools to measure its users' stability, performance, and credibility. Any slight imbalance could harm...

Capital Expenditure

Any entity or business evaluates income and expenses closely to understand profitability. Income refers to monetary ...

Treasury Bills

In India, treasury bills are issued by the Central Bank. The primary objective of treasury ...

Liquidity Ratio

A liquidity ratio meaning assesses a company's capacity to meet its financial obligations and is, therefore, a critical type of financial...

Restricted Stock Units (RSU)

Restricted Stock Units (RSUs) refer to a grant of value equal to the amount of common stock in the company. RSUs are typically granted...

Current Ratio Explained - Examples, Analysis, and Calculations

The current ratio definition implies that it is an indicator informing investors about the company’s ability to pay off any obligations...

Current Liabilities

Current liabilities also referred to as short-term liabilities, are an organisation's financial debt due within a year or within the basic operating cycle. This...

Tangible Assets Vs. Intangible Assets

A tangible asset is an item or structure with physical substance. Examples of tangible assets include plant, machinery...

Interest Coverage Ratio

The interest coverage ratio is a debt and profitability statistic that measures how a corporation can pay interest on existing debt. To attain...

Fund Flow Statement

Fund flow statement analysis is often used to comprehend changes in a company's financial status. Fund flow statement analysis, like cash flow statement analysis, analyzes financial data such as the...

What is SEBI?

 What Is SEBI? SEBI (or Securities and Exchange Board of India) is an important regulator of securities markets. It is the Indian Government’s statutory body, established on April 12, 1992....

What is Corporate Action?

Corporate actions are crucial to investing because they educate investors about major developments that could affect their securities...

What Causes Inflation?

Inflation is an important concept in economics and can have a huge impact on a country's economy. It refers to the general rise in prices of goods and services due to various causes, such as an increase in money supply or demand-pull factors...

ROI - Return on Investment

ROI is most relevant to your business goals when it refers to something solid and measurable, such as identifying the gains and financial returns...

Net Working Capital

Net working capital is a measure of a company's liquidity, efficiency, and overall financial health. It is an important indicator in determining the short-term solvency of a business and can have profound implications on its future performance...

The CIBIL Score Explained

What is NRI?

For navy officers or traders who work in international waters, the tenure of stay depends on the territory. For instance, if the person spends more than 183 days in foreign territorial waters, they...

What Is Fair Value?

A fair value is the agreed-upon asset’s value by the buyer and seller for a product, stock, or security. It applies to products...

What is Fair Market Value?

The Fair Market Value (FMV) is the current price a potential buyer is ready to pay, and the seller would agree upon in an open and competitive market...

Recurring Deposit (RD)

Many new investors who plan on investing and saving money at the same time while enjoying assured returns often search ‘what is recurring deposit’ on the internet...

NRO Account

An NRO account is a rupee-denominated account for NRIs. If you are wondering what NRO full form is, it’s a Non-Resident Ordinary account. Using an NRO bank account, NRIs can easily manage their...

NRE Account

An NRE account is a great way for Non-Resident Indians (NRIs) to manage their finances while they are abroad. Before opening an account, it is important to understand the differences between an NRE and an NRO....

What is a Commercial Paper?

Commercial paper is a short-term debt instrument corporations issue to finance their operations, investments and other activities. It is debt that matures within 270 days and generally has an...

What Is the Difference Between Gross Profit and Net Profit?

The gross profit of a company is that amount which remains after subtracting its cost of goods sold from the total revenue. It does not include other expenses such as taxes, interest payments, or other operating...

Types of Risk

Risk is an unavoidable part of life. Everyone, from individuals to large organizations, faces the risk of some kind daily. Knowing the different types of risk and how they can affect you and your organization is key to mitigating potential losses. Many types of risks exist, including financial, operational, strategic, and reputational...

What is Inflation?

When money in the economy increases quickly compared to the supply of services and goods, it leads to inflation. This is because more money is chasing the same amount of goods and...

What is Yield To Maturity (YTM)?

Yield to maturity (YTM) is a financial concept used to measure the total return an investor can expect to receive from a bond or other fixed-income security, assuming ...

What Is an Underwriter?

Underwriters play a crucial role in assessing and evaluating risk for various financial organisations such as mortgage, insurance, loan ...

What Is Gross Margin?

Gross margin is a financial metric that represents the percentage of a company's revenue retained after accounting for the cost of goods sold (COGS)...

What is Bank Compliance?

Bank compliance is a critical component of the banking industry that ensures adherence to regulations and laws, thus maintaining the integrity and stability...

China Plus One Strategy

The China Plus One strategy presents an opportunity for India to become a preferred destination for foreign investment. With strengths in IT/ITeS...

Financial Shenanigans

Financial shenanigans refer to the deliberate manipulation of financial data or the use of unethical practices by individuals ...

What is Neo Banking?

India has experienced a boom in its financial technology industry over the past several years, with the emergence of hundreds of new fintech businesses...

What Is Net Profit?

For any business, financial management is a crucial aspect of success. One of the key factors that helps businesses manage their finances effectively is understanding and monitoring their net profit. Net profit serves as an indicator of a company's financial health and profitability...

Types of Fixed Deposits

There are several types of fixed deposits in India available in the market, each with its own unique features and benefits. Here are some of the most common types...

What Are High Net Worth Individuals?

High net worth individuals, often referred to as HNWIs or HNIs, are individuals who have a significant amount of wealth and financial assets. These individuals are typically defined as having a net worth of at least...

What Is Book Value?

Assessing the actual value of a publicly traded company can be a challenging undertaking. Investors and analysts typically employ...

Cost Inflation Index

The Cost Inflation Index estimates the increase in the price of general goods and services in India over a specific period. The government has notified the Cost Inflation Index meaning...

Non-Convertible Debentures

Non-Convertible Debentures (NCD) have emerged as one of the most sought-after investment options for individuals who want to earn a fixed rate of return on their investments. These are generally not backed by any collateral. Hence, debentures rely mainly on the financial standing and reputation of the issuer. Companies use debentures to raise long-term capital...

Gross Domestic Product (GDP)

The full form of GDP is the Gross Domestic Product, a useful economic indicator. Economic indicators are statistical measures that provide...

Assets and Liabilities

Assets and liabilities are the most common accounting terms determining a business’s value. Every company, private or public, must maintain records of all the business transactions and...

What is Net Income

Net income is a measure of financial performance that shows the total revenue remaining after all expenses have been paid. It is also known as ...

Capital Expenditure and Revenue Expenditure

Capital Expenditure (CapEx) refers to the funds a company spends to acquire or improve long-term assets, such as buildings, machinery ...

Institutional Investor

Institutional investors play a pivotal role in the financial markets, wielding immense influence due to their large-scale investments...

Rule of 72

The rule of 72 meaning refers to a simple mathematical formula used to estimate the time it takes for an investment to...

Redemption of Debentures

Redemption of debentures is an important concept in the oeuvre of accounting and corporate finance. The process refers ...

IMPS Full Form in Banking

Immediate Payment Service or IMPS is an Indian electronic fund transfer system that enables account holders to transfer money instantly ...

Takeover

A Takeover is an everyday phenomenon in the business world, where one company seeks to acquire another...

Debtors Turnover Ratio

A debtors turnover ratio can assess the company's efficacy of collecting receivables or credit extending to the consumers ...

Receivables Turnover Ratio

Receivables turnover ratio and definition are already mentioned above. Now that you have learned its definition – let's learn...

What is Term Deposit

Term deposit & its investments are all about depositing money into the account holder’s account at any financial institute, including banks, NBFCs ...

Per Capita Income India

Per capita income is a useful tool for economists, policymakers and investors to compare and analyse a country's development and economic growth....

G Secs - Government Securities in India

What is G Secs - Government Securities in India?

Gearing Ratio

The net gearing ratio is a financial metric used to evaluate a company's financial leverage. It compares the total debt (including both...

Operating Margin

Operating margin is an indicator of how profitable a company's core operations are, which makes it a vital measure for investors...

Bank Rate vs Repo Rate

Bank Rate Vs Repo Rate are the popular rates computed for borrowing or lending activities by commercial and central banks...

Gross NPA vs Net NPA

Gross NPA vs Net NPA are the terms that denote the total or a part of the loan that is not yet repaid by the borrower...

Trailing Stop Loss

A Trailing Stop Loss is an automated trading order aimed at protecting gains and limiting losses. It sets a stop order at a specific percentage or...

What is Credit Market?

A credit market, often referred to as a debt market, is a significant financial sector where businesses and governments raise money by selling investors debt instruments. Bonds are the primary...

Personal Finance

Personal finance refers to the management of an individual's financial resources, including income, expenses, investment, and savings....

Personal Loan Vs Business Loan

In the world of finance, the two most common types of loans that people seek from financial institutions are personal loans and business loans...

Secured Overnight Financing Rate (SOFR)

SOFR full form is Secured Overnight Financing Rate. It is a pivotal interest rate utilised by banks to determine the pricing of derivatives and loans denominated in U.S. dollars. Unlike...

Cash Management Bill (CMB)

Cash Management Bill (CMB) are short-term money market instruments introduced by the Government of India in 2010 in collaboration...

Statutory Liquidity Ratio (SLR)

In every country, there exists a specific monetary authority responsible for overseeing the operations of banks. The RBI serves as the primary monetary authority operating at the central level...

National Bank for Agriculture and Rural Development (NABARD)

The full form of NABARD is National Bank for Agriculture and Rural Development which is the apex bank for agricultural and rural development in India...

Credit Score Vs CIBIL Score

Evaluating one's creditworthiness is a crucial aspect of effective financial management, and two terms that frequently come into play are credit score

How To Check CIBIL Defaulter List?

While credit bureaus like CIBIL do not maintain a list of loan defaulters, the Reserve Bank of India (RBI) does maintain a list of "wilful defaulters."...

How To Get Paperless Loans?

The days of standing in line and working on the paperwork just to get your loan approval are gone. With the easiest way to get paperless loans...

Passive Investing

Passive investing, an innovative investment strategy, is gaining traction around the world for its simplicity, lower costs, and long-term financial growth potential....

Credit Review

Credit Review – a term you've possibly heard and vaguely understand. But what does it genuinely mean, and more importantly,...

Difference Between NRE & NRO

If you compare NRE Vs NRO, you will understand that a Non-Resident External Account enables you to convert your foreign income into ...

What is Debt Consolidation?

Debt consolidation is a financial approach in which various obligations are combined into a single loan or credit line....

What is Expenses Tracking?

Expenses tracking is the systematic monitoring and recording of all your financial transactions and expenses. It...

Participating Preference Shares

Participating preference shares are often referred to as "preferred stock." They are a unique class of....

Acid-test Ratio

In finance and business, measuring a company's financial health is a complex task that requires carefully...

Asset-Backed Securities

Asset-backed securities, or ABS, are financial instruments created by combining different...

Base rate

The base rate is a crucial financial indicator used as a starting point for various financial calculations or pricing for financial products....

Floating Rate Notes

Floating rate notes (FRNs) are a dynamic and versatile financial instrument that has gained popularity in fixed-income investments....

Inventory Turnover Ratio

The inventory turnover ratio is an important ratio that measures how efficiently a company manages its inventory.

Registrar of Companies (RoC)

Registrar of Companies stands as a pivotal institution in the world of business and corporate governance. With its presence in numerous countries worldwide, the Registrar of Companies serves as a custodian of critical information...

Contingency Fund

In the unpredictable world of personal finance, a contingency fund stands as a formidable shield against life's unexpected curveballs.

Endowment Fund

An endowment fund, often referred to as the financial backbone of these entities, plays a vital role in ensuring the realization...

Market Sentiment

Market sentiment plays a vital role in finance, influencing the behavior of investors and shaping the direction of financial markets.

Reserve Fund

Ever faced an unexpected financial hurdle that threw your plans off track? The reserve fund is your answer to such unexpected

Capital Fund

Capital fund is a term that resonates deeply within the financial framework of an organisation. Often seen as the pillar supporting...

What is Wealth Management?

Wealth management represents a strategic and comprehensive process, intricately weaving together various financial facets. It encompasses ...

What is a Certified Financial Advisor?

A Certified Financial Advisor (CFA) is a financial professional who has achieved the highest level of expertise and credentialing in the field...

Tactical Asset Allocation

Tactical asset allocation is an agile investment approach that tweaks the balance of varied assets in a portfolio, encompassing elements like...

11 Common Myths about CIBIL Score

You must be planning to apply for a loan, for which you have to keep an eye on your credit report.

CIBIL Vs Experian Vs Equifax Vs Highmark Credit Score

This three-digit number ranges from 300-900 and is based on an individual's past credit history.

Days Past Due (DPD) in CIBIL Report

Days Past Due (DPD) holds considerable importance within your CIBIL report.

How Long Does It Take to Improve Credit Score?

How long does it take to improve credit score? This is a common question that many individuals ask to learn about their creditworthiness.

How to Read a CIBIL Report

A CIBIL Report can help comprehensively analyse your expenses. A CIBIL score is a numeric overview of your credit record.

Why Did My Credit Score Drop?

Let’s find out the answer to this question in this post. When an individual applies for a loan or credit card

5 Common Credit Card Mistakes to Avoid

Read on to uncover the five most common credit card pitfalls people face and how to avoid them. By adopting some better practices, you can reap the rewards of credit cards without falling into any expensive traps.

Cashback vs Reward Points

Are you here to understand the difference between cashback and reward points? This check below guide that walks you through the differences.

Does Paying Car Insurance Build Credit?

Does paying car insurance build credit? Let's check the points to understand the matter in brief.

How to Read Your Credit Card Statement?

This article will guide you on what insights good statement analysis unlocks to optimize account habits, capitalise on perks, spot errors early, and avoid credit score pitfalls.

How to remove late payments from your credit report?

If you have missed timely payments and are seeking ways how to remove late payments from the credit report. This article will guide you with effective tips.

Fico Score vs Credit Score

Evaluating the credit risk of consumers in FICO score vs Credit score is a crucial step in making responsible lending decisions

What is Impulse Buying?

Impulse buying describes the tendency to make sudden, emotionally driven purchases without logic or forethought.

Is 700 a Good Credit Score?

In this article, we will discuss credit score ranges, factors that affect credit scores, what constitutes a “good” score under different models, and how to improve a score of 700.

Is 750 a good credit score?

This article analyses what makes up a credit score, what a score of 750 means for borrowers, and how you can reach and maintain a 750 credit rating.

How to Deal with Job Loss?

Job loss can be stressful, but with proper planning, it is possible to overcome this situation. Implementing these useful financial tips to deal with job loss stress can help manage the stress of job loss effectively.

What credit score is needed to buy a house?

This article is an effective guide providing all the information regarding credit scores and mortgages.

What Is FD Laddering?

This article explains fixed deposit laddering conceptually, along with its advantages and potential uses as a wealth-building instrument.