FinAtoZ Blog

Digital-only banks and neobanks are transforming how India saves, spends, and invests. With no physical branches and a technology-first approach, they deliver faster, smarter, and more personalized banking experiences. This FinAtoZ guide explores how neobanks differ from traditional banks, why they’re growing rapidly, and which top neobanks are reshaping India’s digital banking future.

Imagine going on a road trip, but without a map or GPS, you will reach somewhere, but not exactly where you intended. Well, that's what life might feel like down the road when you do not plan your finances. As per a report by the Economic Times, only one out of four Indians actively plans for their retirement. This implies that most of us are navigating through a financial …

For NRIs returning to India, financial planning is key to ensuring a smooth and tax-efficient transition. From managing NRE/NRO and FCNR accounts to restructuring investments, repatriating foreign assets, and understanding Indian tax rules, every decision impacts your long-term wealth. This detailed FinAtoZ guide outlines a step-by-step checklist, helping you repatriate funds smartly, maintain compliance, and build a stable financial foundation as you settle back in India.

Equity and debt mutual funds are two of the most popular investment choices in India, but they differ widely in risk, returns, and suitability. Equity funds invest in company stocks, offering higher long-term growth potential with higher volatility—ideal for wealth creation goals. Debt funds invest in bonds and fixed-income instruments, providing lower but stable returns with reduced risk—suited for short- to medium-term needs. The best choice depends on an investor’s time horizon, goals, and risk tolerance. A balanced mix of both can provide growth and stability in a portfolio.

Did you know that only 3% of people invest in mutual funds? Also, out of these investors, some investors always seem to earn great returns, while some don't seem to break even. The answer lies in the investment decision taken. When it comes to striking the gold, every decision matters. Whether buying a stock or investing in a new real estate option, a single decision can be the reason …