Ashavmedh Singh
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In December 2025, India saw the volume of UPI transactions exceeding 21.6 billion, a clear indication of the increasing dependence on digital payments. The digital payment market in India witnessed a very rapid growth, and UPI turned out to be the most convenient and fastest mode of money transfer.
A few years ago, sending money online never felt completely easy. Even after entering all the details, people would stop for a second and think, “What if something goes wrong?” That moment of doubt showed up almost every time, especially when money was involved.
Things have changed since then. Payments now happen in the middle of daily life, while buying groceries or paying a friend back after dinner. You no longer need to share bank details each time you send money.
The Virtual Payment Address made this possible by giving people a simpler way to transfer money. In this blog, you will learn what a VPA is, why it matters in everyday payments, and how you can set one up and start using it comfortably.
A business needs capital to function, and one source of raising capital is through debt. But debt hurts the financial metrics of a business. So, it is essential to know the degree of the impact, so the business can plan accordingly. This is where leverage ratios help. These ratios help an organisation know about the dependence on debt, its utilisation, and its ability to meet financial obligations.
Let’s find out what leverage ratios are, how they work, and the different types of leverage ratios.
85% of digital transactions in India are powered by UPI. As the number of users increases, phishing and transactional errors are likely to increase. You need to be careful while...
इनकम टैक्स रिटर्न (ITR) एक जरूरी आधिकारिक फॉर्म है। इसके माध्यम से करदाता अपनी वार्षिक आय, खर्च, निवेश और टैक्स का डिटेल्स भारत के इनकम टैक्स विभाग को जमा देता है। यह एक वित्तीय वर्ष में कमाए गए रुपये का हिसाब होता है। सामान्य रूप से कहें तो इस प्रक्रिया के द्वारा सरकार को आय की जानकारी देनी होती है।
ECS (इलेक्ट्रॉनिक क्लियरिंग सिस्टम) भारतीय रिजर्व बैंक (RBI) द्वारा संचालित एक बहुत ही सुरक्षित डिजिटल प्रक्रिया है। यह बैंकों के बीच थोक और आवर्ती भुगतानों को स्वचालित करती है। यह लोन EMI, यूटिलिटी बिल या एसआईपी जैसे भुगतानों को निर्धारित तारीख पर सीधे खाते से काटने या क्रेडिट करने की कागज रहित प्रोसेस है।
Life is unpredictable. A sudden job change. A medical emergency. A temporary business slowdown. During such moments, even well-planned finances can get out of hand.
This is often when people come across the term moratorium period in a loan and wonder what it actually means. Is it a break from EMIs? Does it increase loan cost? And should you opt for it?
In this guide, we explain what a moratorium period in a loan is, how it works, and when it can truly help.
In trade, payment risk is always present, whether you’re selling across the street or across continents. That risk is exactly why businesses continue to rely on an LC, especially when large sums or new partners are involved.
The full form of LC is Letter of Credit. It refers to a bank-backed promise to pay, subject to certain conditions. Instead of relying solely on the buyer, the seller gains assurance from the bank issuing the credit.
डिजिटल भुगतान ने हमारी ज़िंदगी आसान बना दी है, लेकिन जब बात बार-बार होने वाले भुगतानों की आती है, जैसे EMI, SIP या सब्सक्रिप्शन, तो हर बार मैन्युअल पेमेंट करना झंझट भरा हो सकता है।...