Vaibhav Khandelwal- Credit Principal

SGB 8 min read

What is the Minimum and Maximum Investment Limit in Sovereign Gold Bonds?

Gold investments are one of the most traditional ways of investing and saving. It serves as an asset for people and a hedge against inflation. It is an excellent method for securing people’s hard-earned money. But buying gold gives people stress about its safety. Therefore, the government has launched SGBs as an easy way to ... What is the Minimum and Maximum Investment Limit in Sovereign Gold Bonds?

Vaibhav Khandelwal
27 March 2023 • 8 min read

Loans 6 min read

Procedure for Conversion of Loan into Equity

Companies mainly raise finances through share capital (by issuing equity and preference shares) and loans (by issuing bonds/debentures). While shares and debentures are issued to the investors and can be tradeable on the exchange, both are methods of raising capital – shares are called own capital, and debentures are called borrowed capital. What are shares ... Procedure for Conversion of Loan into Equity

Vaibhav Khandelwal
27 March 2023 • 6 min read

Tax Planning 10 min read

Income Tax on Buyback of Shares

Buyback is the activity wherein the Company repurchases its shares from the existing shareholders. The companies usually take this step to regain ownership from shareholders by paying them the fair market value of the shares owned by them. The Income-tax Act 1961(I-T Act) lays down certain provisions on the taxability of such transactions. In this ... Income Tax on Buyback of Shares

Vaibhav Khandelwal
26 March 2023 • 10 min read

Mutual funds 8 min read

Tax Loss Harvesting for Mutual Funds

A mutual fund (MF) is a pool of money managed by a professional fund manager. It collects money from several investors and intends to invest its money into various securities like equity shares, bonds, money market instruments, etc. Before 2018, there was no Long-Term Capital Gain tax (LTCG) on the sale of mutual funds, however, ... Tax Loss Harvesting for Mutual Funds

Vaibhav Khandelwal
22 March 2023 • 8 min read

Credit Cards 7 min read

Common Credit Card Charges and Ways to Avoid Them

While credit cards carry a lot of benefits, they also carry a number of charges that can add up to a significant amount. When using a credit card, you need to be aware of these charges so that you never miss payments and end up paying a lot of interest. The type of card you ... Common Credit Card Charges and Ways to Avoid Them

Vaibhav Khandelwal
20 March 2023 • 7 min read

Credit Cards 6 min read

Everything to Know before You Cancel a Credit Card

Having a credit card makes your life extremely easier and is one of the convenient ways to go cashless. However, if you keep finding yourself in a debt trap, you can consider cancelling or closing the card to avoid overspending. But before opting for a credit card cancellation, it is crucial to consider how the ... Everything to Know before You Cancel a Credit Card

Vaibhav Khandelwal
20 March 2023 • 6 min read

Loans 5 min read

Consequences of Defaulting on a Business Loan and How to Avoid Them

For a business to survive and expand, capital is a mandatory requirement. There are several ways for a business to raise funds and business loans are one of the most popular ways of doing so. They are useful in meeting urgent financial needs as well as to cater to projects that require heavy funding. Business ... Consequences of Defaulting on a Business Loan and How to Avoid Them

Vaibhav Khandelwal
20 March 2023 • 5 min read

Stock Market 9 min read

What is the difference between EPS? Diluted-EPS? Adjusted EPS?

What is the difference between EPS? Diluted-EPS? Adjusted EPS? The Company needs to present the Basic and Diluted EPS in its profit and loss statement as per the requirements of the Indian Accounting Standard. EPS also holds importance in the computation of various metrics that the investors generally refer to before investing in any Company ... What is the difference between EPS? Diluted-EPS? Adjusted EPS?

Vaibhav Khandelwal
19 March 2023 • 9 min read

Credit Cards 11 min read

Top 10 Best Credit Cards For Luxury Spending in India

Premium credit cards provide an enhanced level of comfort and a broad range of services designed to meet varied needs. These cards aren’t just focused on cashback rewards; they are known for their premium features. Every premium card has its own unique set of benefits, and users should thoughtfully choose the card that best fits ... Top 10 Best Credit Cards For Luxury Spending in India

Vaibhav Khandelwal
19 March 2023 • 11 min read

Credit Cards 7 min read

Millennia Vs Easy EMI Card- How Do They Compare?

The youth in today’s world have very different aspirations than their previous generations. Living life to the fullest and making the most of every moment, calls for different spending patterns and financial habits. To encourage these people to live their dreams, HDFC Bank has introduced Millennia Credit Card and EasyEMI Credit Card. In this blog, ... Millennia Vs Easy EMI Card- How Do They Compare?

Vaibhav Khandelwal
17 March 2023 • 7 min read

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