Savings
Latest news, explainers and analysis on Savings. Tracking 28 stories on Arth Vani.
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Latest on Savings
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.
BreakingISB Professor Warns Zero Real Interest Rates From RBI Policy Pose Economic Risks
An Indian School of Business (ISB) professor has cautioned that the current 'zero real interest rates' in India are unsustainable and present significant risks. This situation, attributed to the Reserve Bank of India's (RBI) monetary easing policies, could erode the purchasing power of savers and lead to broader economic challenges.
BreakingHigher Interest Rates & Falling Markets: Impact on Your Investments
Rising interest rates and declining stock markets present a dual challenge for Indian investors. This environment can impact fixed deposits, loans, and equity investments differently, requiring a strategic approach to manage your money effectively.
BreakingSenior Citizens Can Earn Up To 8.25% on 5-Year FDs as Banks Raise Rates
Amidst a rising interest rate environment, several Indian banks are now offering attractive fixed deposit (FD) rates, with senior citizens potentially earning up to 8.25% on five-year deposits. This surge in rates provides a significant opportunity for retired individuals seeking stable, guaranteed income.
Nearly 4 In 10 Malaysian Workers Lack Savings Buffer, Highlighting Financial Vulnerability
A recent report from Free Malaysia Today indicates that close to 40% of Malaysian workers do not have any savings buffer, making them highly vulnerable to financial shocks. This highlights the critical importance of maintaining an emergency fund, a lesson applicable to individuals across all economies, including India.
SBI 444-Day FD: How Your ₹5 Lakh Investment Returns Are Determined
State Bank of India (SBI) offers a special 444-day fixed deposit (FD) scheme, a popular choice for stable and assured returns. While specific interest rates are crucial for calculating precise earnings, understanding how these FDs operate is key for investors considering an amount like ₹5 lakh.
Indian Depositors Opt for Longer Fixed Deposit Tenures
A recent trend indicates that Indian depositors are increasingly choosing longer-term Fixed Deposits to secure their capital. This move suggests a preference for stability and potentially locking in current interest rates for an extended period.
BreakingLifestyle Inflation Risks Eroding Your 2026 Salary Hike, Warns Value Research
Value Research highlights that unchecked lifestyle inflation could significantly diminish the impact of future salary increases, including potential hikes in 2026. This common financial pitfall involves a gradual increase in spending in tandem with rising income, often leaving individuals with no improved financial standing despite earning more.
BreakingCertain Banks Offer Up To 8.25% Interest on Recurring Deposits
Some Indian banks are currently providing attractive interest rates of up to 8.25% on Recurring Deposits (RDs), making them a compelling option for retail savers. RDs offer a disciplined way to save regularly and earn fixed returns over a chosen tenure, appealing to conservative investors.
BreakingUS Retirement Shock: Nearly Half of Americans Have No Savings; A Wake-Up Call for India
A concerning report from Yahoo Finance indicates that nearly 50% of Americans are entering retirement with no savings, highlighting a significant financial vulnerability. This stark reality serves as a crucial warning for Indian retail investors about the universal importance of early and consistent retirement planning.
Indian Couple Saves Money in Hong Kong, World's 'Most Expensive City'
A recent Livemint report highlights an intriguing case of an Indian couple successfully managing to save money while living in Hong Kong, widely recognized for its extremely high cost of living. The article from Livemint details their unique financial strategies that defy the city's expensive reputation.
Breaking5 Checks Before Trusting Financial Advice: Protect Your Savings
Not all financial advice, even if it sounds convincing, is suitable for your personal situation. Before acting on any recommendation, it's crucial to run a few checks to ensure it aligns with your goals and risk tolerance.
BreakingUrgent ₹2 Lakh: Evaluating Personal Loans, Savings, or Credit Cards for Immediate Needs
When faced with an immediate need for ₹2 lakh, individuals often weigh options like personal loans, utilising savings, or resorting to credit cards. Each method carries distinct implications regarding cost, repayment, and long-term financial health. The optimal choice depends heavily on one's existing financial situation and the urgency of the requirement.
ABP Live Highlights Impact of Small Money Habits on Wealth Creation
ABP Live English recently published an article titled 'Small Money Habits, Big Wealth Impact: 4 Lessons For Your Financial Journey'. However, the specific details of these lessons and habits were not provided in the source material for this report, preventing a full factual summary of its content.
BreakingIndian Families Now Need 9-12 Months' Expenses as Buffer, Whalesbook Suggests
A new report by Whalesbook highlights a significant shift in financial planning for Indian families, recommending they maintain a robust financial buffer equivalent to 9-12 months of their essential expenses. This increased buffer is crucial for navigating unexpected life events and ensuring financial stability.
Bank of Baroda's 555-Day FD: What You Need to Know to Maximize Your Earnings
Bank of Baroda (BoB) offers a special 555-day fixed deposit, a popular choice among savers for its fixed tenure and potential for competitive returns. While specific interest rates for this product are dynamic and must be verified directly with the bank, understanding its features can help retail investors plan their savings effectively.
BreakingIndian Retirement Corpus: Is ₹3.75 Crore or ₹4.62 Crore Enough for Your Golden Years?
Discussions around retirement planning in India frequently highlight substantial savings goals, with figures like ₹3.75 crore and ₹4.62 crore often cited as potential target corpuses. Achieving a comfortable post-retirement life requires careful financial planning, considering factors like inflation, healthcare costs, and desired lifestyle.
BreakingEnd-of-Month Cash Crunch? Try This 3-Account Strategy for Better Savings
Many salaried individuals struggle with month-end finances, prompting experts to suggest a simple budgeting hack: splitting your money across three distinct bank accounts. This strategy aims to improve spending habits and build savings.
BreakingPost Office Fixed Deposits: Earn Up to 7.5% Interest Annually
India Post offers attractive interest rates on its Term Deposits (TDs), with the 5-year TD yielding 7.5% per annum. A deposit of ₹5 lakh can grow to approximately ₹7.25 lakh over five years, considering compounding.
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.
BreakingSSY vs PPF 2026: Which Govt Scheme Offers Better Returns?
As 2026 approaches, a comparison of Sukanya Samriddhi Yojana (SSY) and Public Provident Fund (PPF) reveals key differences in interest rates, tax benefits, and eligibility. Understanding these distinctions is crucial for choosing the right government-backed savings scheme for your financial goals.
Child-Free Couples May Need Larger Retirement Corpus Than Assumed: Mint Money
Child-free couples often operate under the assumption that avoiding child-rearing expenses automatically reduces their overall retirement funding needs. However, this widely held belief is being challenged, suggesting that a more substantial retirement corpus may actually be required, according to a report highlighted by Mint Money.
BreakingRetirement Goals: Many Global Citizens Thrive On Less Than $1 Million
Despite the common perception that $1 million is essential for retirement, millions worldwide successfully manage their post-work life with less. This reality highlights the importance of personalised financial planning, smart spending, and diverse income streams over aiming for a single, large arbitrary sum.
BreakingBuild Emergency Fund with SIPs: Start Under ₹1,000 Using the 3-6-9 Rule
Building an emergency fund is crucial for financial security, and it can be achieved through Systematic Investment Plans (SIPs) starting with less than ₹1,000 per month. The 3-6-9 rule helps individuals determine the ideal size for their emergency fund based on their life situation and expenses. By calculating this target amount, one can then set up a consistent monthly SIP to reach it.
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