Looking for a safe, short-term investment option backed by the government? One that beats your savings account returns without locking your money for years? Say hello to Treasury Bills (T-Bills) — one of the most underrated investment avenues for conservative and smart investors. Let’s break down what T-Bills are, how they work, and why they…
Category: Finance
A Complete Guide to Government of India Dated Securities (G-Secs)
When it comes to low-risk, stable, and long-term investments, few options are as reliable as Government of India Dated Securities, commonly known as G-Secs. Traditionally reserved for institutional investors, these securities are now available directly to retail investors via the RBI Retail Direct platform — opening up a new world of safe investing options. In…
What Are State Development Loans (SDLs) – And Why You Should Consider Investing in Them
When it comes to safe, stable, and government-backed investment options, most people think of fixed deposits, Public Provident Fund (PPF), or government bonds. But there’s one powerful instrument that often flies under the radar: State Development Loans (SDLs). If you’re looking to diversify your debt portfolio with higher yields and sovereign-grade safety, SDLs might be…
Why You Should Invest in Government Bonds Directly via RBI Direct Instead of Mutual Funds
When it comes to safe and stable investments, government bonds are often at the top of the list. Traditionally, many investors accessed these bonds indirectly through debt mutual funds. But with the Reserve Bank of India (RBI) introducing the Retail Direct platform (rbidirect.org.in), individuals can now invest directly in government securities (G-Secs) without intermediaries. So,…
Understanding 73AA Low Land: A Guide to Restricted Agricultural Land
Real estate and land transactions in India are subject to various laws and regulations, especially concerning agricultural land. One such classification is 73AA low land, which refers to agricultural land with restrictions on ownership, use, and transfer. Understanding these regulations is crucial for buyers, sellers, and investors to ensure legal compliance and avoid disputes. What…
Navi Sharat Ni Jamin: Understanding Land Under New Agreements
In the evolving world of real estate and property ownership, new agreements often shape the future of land use and transactions. A significant term in Gujarati legal and real estate discussions is “Navi Sharat Ni Jamin”, which translates to “land under a new agreement.” This concept refers to properties that are governed by recent contracts,…
Juni Sharat Ni Jamin: Understanding Land Bound by Old Agreements
In the world of real estate and property ownership, legal complexities often arise due to historical agreements that still hold validity today. One such concept in Gujarati legal and real estate discussions is “Juni Sharat Ni Jamin”, which translates to “land under an old agreement.” This term signifies a property that is bound by conditions…
Is alimony taxable in india?
In India, the taxability of alimony depends on how it is received—whether as a lump sum or periodic payments. Here’s a breakdown: 1. Lump-Sum Alimony (One-Time Payment) – NOT Taxable If alimony is received as a one-time settlement (e.g., a lump sum amount given as part of a divorce agreement), it is considered capital receipt…
A Complete Guide to National Savings Certificate (NSC)
The National Savings Certificate (NSC) is one of the most popular savings schemes in India, backed by the Government of India. It is a low-risk investment option that provides fixed returns and tax benefits, making it an attractive choice for conservative investors. What is the National Savings Certificate (NSC)? The NSC is a fixed-income investment…
A Comprehensive Guide to RBI’s Floating Rate Savings Bonds (FRSB)
The Reserve Bank of India (RBI) offers various investment options to help individuals grow their savings securely. One such option is the Floating Rate Savings Bonds (FRSB). This scheme is a safe and government-backed investment opportunity for risk-averse investors looking for a steady income. What is the FRSB RBI Scheme? The Floating Rate Savings Bonds,…