Debt Management
Latest news, explainers and analysis on Debt Management. Tracking 14 stories on Arth Vani.
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BreakingFinancial Mail Highlights Key 'Golden Triangle' for Indian Personal Finance
Acknowledging Financial Mail's recent emphasis, financial experts underscore the crucial 'golden triangle' of savings, debt management, and financial protection as the bedrock of sound personal finance for Indian households. This integrated approach ensures financial stability, fosters growth, and provides security against unforeseen events.
BreakingShort-Term Credit: When It Helps Your Finances and When It Harms Them
Short-term credit, like personal loans, credit cards, or buy-now-pay-later (BNPL) options, offers quick access to funds. While it can be a valuable tool for managing unexpected expenses or bridging temporary cash gaps, misuse can lead to significant debt and financial strain. Understanding specific scenarios where it's beneficial versus detrimental is crucial for responsible financial planning.
Strategic Choices for Managing a Financial Settlement Effectively
Receiving a financial settlement can be a significant event. While the original source title suggested '5 smart ways' to use such money, specific details were not provided. This report outlines general, prudent financial principles applicable to managing any lump sum, focusing on Indian retail readers.
EPF for Home Loan Repayment: Eligibility, Online Withdrawal Explained
Employees with substantial home loans can use a portion of their Employees' Provident Fund (EPF) corpus to reduce their outstanding loan amount. This can help lower the overall interest burden and ease monthly financial pressure.
IPOShein's IPO Challenge: Debt Repayment May Match Funds Raised
Online fashion giant Shein reportedly aims to raise an amount in its upcoming IPO that is equivalent to its existing debt owed to investors. This implies that a significant portion of the IPO proceeds might be directed towards settling current obligations rather than fueling future growth initiatives.
Finance Coach Aruna Keerthy's 3 Steps to Save While Paying Debt
Personal finance expert Aruna Keerthy shared a three-step strategy to help individuals save money even while actively repaying loans. The method focuses on smart budgeting and mindful spending to build savings alongside debt reduction.
US Treasury to Repurchase Longer-Term Bonds: What it Means for Markets
The United States Treasury has indicated plans to buy back longer-term government bonds from the market. This move is typically aimed at managing the maturity profile of the national debt and enhancing liquidity, with potential indirect implications for global interest rates and investor sentiment, including in India.
Indian Microfinance Stress Easing as Multi-Loan Borrowers Decline
The Indian microfinance sector is showing signs of recovery as the number of borrowers holding multiple loans has significantly decreased. This reduction is helping ease overall debt stress, despite these borrowers still carrying substantial outstanding debt.
BreakingHigh Home Loan EMI: How Financial Experts Advise Managing the Burden
A global report from Yahoo Finance highlights a common struggle: home loan EMIs consuming a significant portion of an individual's income. While the raw source material did not detail the specific advice given by financial expert Dave Ramsey, this report outlines general strategies financial experts recommend for managing such high debt burdens and restoring financial stability.
BreakingPaying Rent with Credit Card? Avoid Mistakes That Can Harm Your CIBIL Score
While paying rent with a credit card offers convenience and rewards, it can lead to significant costs and negatively impact your CIBIL score if not managed carefully. Understanding the associated charges and potential pitfalls is crucial for Indian retail readers.
Breaking₹43.16 Lakh IVF Debt Pushes Couple 'Financially Underwater' Despite Baby On Way
A couple, aged 37 and 39, find themselves financially strained with ₹43.16 lakh in In-Vitro Fertilisation (IVF) debt accumulated over three rounds of treatment. Their experience highlights the significant financial burden that medical procedures like IVF can place on individuals and families.
Financial Priorities: Key Steps Before Building Your Retirement Corpus
Before embarking on long-term retirement savings, financial experts often advise establishing a strong foundation. This report discusses the general importance of prioritising certain financial steps, though specific details from the original source were not provided.
Resist New Car Temptation: Think Wealthy, Save Lakhs
Many Indians are tempted to buy new cars even when their current vehicle is perfectly functional. Financial experts suggest adopting a 'wealthy mindset' to avoid unnecessary debt and save significant amounts of money. This approach prioritizes long-term financial goals over immediate gratification.
SP Group's ₹22,000 Crore Refinancing Gets Key Investor Green Light
Shapoorji Pallonji Group has secured a crucial approval from its anchor investors, including global funds, for a massive ₹22,000 crore refinancing deal. This green light, involving relaxed loan-to-value ratios on pledged securities, paves the way for the conglomerate to manage upcoming debt payments and bolster its financial stability. The transaction, led by Deutsche Bank, is expected to launch in early July.
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