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Manya Ghosh

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About Author

Manya is a seasoned finance professional with expertise in the non-banking financial sector, offering 3 years of experience. She excels in breaking down complex financial topics, making them accessible to readers. In their free time, she enjoys playing golf.

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Couple Financial Planning
Finance TipsCouple Financial Planning: Tips for Married Couples

As a couple, you have to manage personal expenses, as well as those for your kids and extended family. So, it is essential to plan your finances effectively to avoid conflicts and...

Stable Income for Bike Loan
Two Wheeler LoansStable Income for Bike Loan: Key to Approval

Anil earns ₹35000 per month, but works on contracts that change frequently. Sunil earns ₹25000 per month, but he has been working at the same company for the past 6 months...

Partial Settlement of Loans
Personal LoanPartial Settlement of Loans: Meaning and Impact on Credit Score

Missing a few EMIs can become stressful very quickly. When a lender suggests a “partial settlement”, it can feel like a practical way to regain control. You pay a reduced lump sum, the loan account is closed, and the immediate pressure eases.

CIBIL Written Off
Credit HistoryCIBIL Written Off: Meaning, Impact, and Removal Process

You take a loan with the best of intentions, but end up missing a few EMIs due to circumstances beyond your control. Later, you are shocked to see a written-off status on...

UPI DRC क्या है?
Finance TipsUPI DRC क्या है - पूर्ण स्पष्टीकरण

जब आप UPI से पेमेंट करते हैं और कुछ गड़बड़ हो जाती है, तो आपके बैंक स्टेटमेंट में "UPI DRC" लिखा दिखता है। बहुत से लोग समझ नहीं पाते कि यह क्या है।UPI DRC क्या है और UPI DRC क्या होता है, इस...

AEPS क्या होता है
Finance TipsAEPS क्या होता है: आधार इनेबल्ड पेमेंट सिस्टम समझाया गया

AEPS क्या होता है ? यह सवाल बहुत से लोग पूछते हैं। AEPS यानी आधार इनेबल्ड पेमेंट सिस्टम के जरिए ग्राहक बिना डेबिट कार्ड या ATM के भी अपने बैंक खाते से लेन-देन कर सकते हैं। बस आपके पास आधार नंबर और उंगली का निशान होना चाहिए। यह सेवा खासतौर पर ग्रामीण इलाकों और छोटे शहरों के लोगों के लिए वरदान साबित हुई है।

साधारण ब्याज क्या है?
Finance Tipsसाधारण ब्याज क्या है?

साधारण ब्याज एक निश्चित समय के लिए मूलधन पर लगने वाला ब्याज है। जिसकी गणना सिर्फ प्रारंभिक मूलधन पर की जाती है। आप जब भी किसी से पैसे उधार लेते हैं या बैंक में जमा करते हैं, तो समय की...

Best Bike Under 3 Lakh in India
Two Wheeler LoansBest Bike Under 3 Lakh in India

Looking for the best bike under 3 lakhs in India sounds simple at first, until you actually start looking for the right one. One search turns into ten tabs. Every bike claims to do...

5 Most Comfortable Bikes In India
Two Wheeler Loans5 Most Comfortable Bikes In India Under Rs.2 Lakh in India

Rohan reaches his office every day and gets a final warning from his manager. He gets up on time and finishes his chores, but finding a daily commute to the office takes time...