Prateek Agrawal

Investment Principal

Prateek is an investment professional with a demonstrated history of working in Debt Capital Markets and wholesale funding to the Corporates. He has more than 9 years of experience in Treasury and Wholesale lending to more than 50 Institutions across India. He is currently working as an Investments Principal at Wint Wealth.

All Articles by Prateek Agrawal
Passive Income 8 min read
Active Income vs. Passive Income: Which is the Better Option?

Your financial health is more than just the size of your salary. You could have a high-paying job or business, but still face situations like your employer shutting down the business, acute health problems, or loss of your job. Therefore, knowing about the different types of income and the benefits of each is an important ... Active Income vs. Passive Income: Which is the Better Option?

Investment 7 min read
Short-Term vs Long-Term Investments – Which Is Better?

Investing your excess capital in different assets lets you earn a steady income and prepare adequate savings for your retirement. Many investment options are available on the market suitable for investors with different risk tolerances and financial objectives. However, each of these investments comes with its own risks and limitations.  Understanding how to avoid such ... Short-Term vs Long-Term Investments – Which Is Better?

Passive Income 11 min read
Tips On How To Save Money To Buy A Car

Whether it’s a brand-new car or a used one, purchasing your first vehicle can be a significant expense. A recent survey revealed that in 2022 alone, car prices increased twice last year due to a hike in input costs. In a fluctuating market like this, buying a car requires careful consideration. Cars don’t come cheap, ... Tips On How To Save Money To Buy A Car

Loans 9 min read
Business Loan vs Personal Loan: Which One is Better For You?

India is evolving into a dynamic economy that is an excellent starting point for aspiring and seasoned entrepreneurs. If you are a business owner looking to expand your firm or require funding to purchase machinery or gadgets, you must understand the best strategy to finance your business needs. One of the most popular services provided ... Business Loan vs Personal Loan: Which One is Better For You?

Investment 8 min read
Best Investment Plan for Boy Child in India

Investment in time will help your son fulfill his dreams when he is ready to pursue higher education in a prestigious institution or when he is about to get married. Your child’s age plays a key role in deciding when to start investing. The sooner you start, the more time you’ll get to save up. ... Best Investment Plan for Boy Child in India

Economics 7 min read
Explaining the Rule of Debit and Credit Transactions with Examples

Accounting is an integral part of any business as it helps record its financial transactions and gives information about its financial health. Today, most businesses record their financial transactions via the double-entry accounting system.  Debit and credit transactions are the two parts of this double-entry system and should be equal in value. When this takes ... Explaining the Rule of Debit and Credit Transactions with Examples

Credit Score 7 min read
What Is the Minimum CIBIL Score Required to Get a Credit Card?

Credit cards are the most effective way to build a credit history. It has become a necessary instrument to assess creditworthiness for a loan, insurance and mortgage. Individuals with a higher CIBIL score are considered creditworthy and get prompt approval for credit cards and loans. A CIBIL score for a credit card in the range ... What Is the Minimum CIBIL Score Required to Get a Credit Card?

Loans 8 min read
How Can You Avail a Startup Business Loan?

Over the past decade, India’s startup environment has seen significant changes. There were only a handful of Indian startups in the early 2000s. However, thousands of new startups have emerged and thrived over the past decade. India currently boasts the third-largest startup ecosystem in the world, with an estimated 77,000 recognised startups as of August ... How Can You Avail a Startup Business Loan?

Credit Score 7 min read
8 Reasons Why You Have a Low CIBIL Score

Credit Information Bureau of India Limited or CIBIL is India’s oldest credit bureau that collects and maintains the records of loans and credit card payments for individuals as well as businesses. CIBIL uses complex statistical algorithms to deduce a person’s or business’s credit score, known as the CIBIL score. It is a 3-digit number between ... 8 Reasons Why You Have a Low CIBIL Score

Money Management 7 min read
50/30/20 Budgeting Rule – Follow this rule to build an expense budget

Effective budgeting can help you keep a tab on your expenses and motivate you to avoid unnecessary purchases. The 50-30-20 budget rule speaks of the financial discipline that can guide you to keep your spending habit on the right track. As a result, you can make substantial savings for emergency or post-retirement expenses.  Moreover, with ... 50/30/20 Budgeting Rule – Follow this rule to build an expense budget