Sannihitha Ponaka

Sannihitha Ponaka is an MBA graduate from Symbiosis and has more than 5 years of experience in the financial sector. Following her dreams in the field of finance, she leverages writing to communicate the importance of investing. Your go-to guide to creating amazing and easily understood investment content. Her forte lies in investment advisory and strategy with expertise in fundamental analysis and research.

sovereign gold bonds

Sovereign Gold Bonds (SGB) 2023-24

Gold is an asset that holds emotional and social value in India. It is the most coveted asset that is also considered an auspicious investment. But holding physical gold comes with its own set of risks and costs. Hence, the...

nps tier 2

NPS Tier 2 Account

NPS or National Pension System is a central government retirement scheme regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It is an initiative to encourage regular savings among Indian citizens. Also, it offers dual benefits of tax saving...

nps tier 1 vs tier 2

Difference Between NPS Tier 1 vs Tier 2

The National Pension Scheme is a retirement benefits plan that combines tax savings and pension payments. The National Pension System offers the following two types of accounts, Tier 1 and Tier 2. NPS Tier 1 accounts are the most fundamental...

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PF Withdrawal Rules 2023

Employee Provident Fund is a compulsory saving plus retirement scheme. EPF comprises of two contributions: Employee's Contribution and Employer's Contribution. Employees must contribute 12% of their basic pay every month towards the EPF account as per the EPF norms. The...

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What is Exempted Trust in PF

Certain public and private sector companies have their own PF trusts to manage employee contributions. These companies manage the contributions instead of sending them to the EPFO. Such companies are known as Exempted PF Trusts. Exempted PF Trust Contributions In...

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Pradhan Mantri Awas Yojana (PMAY) – 2023-24

The outlay for PM Awas Yojana is being increased by 66% to over Rs 79,000 crore, says Sitharaman in Budget 2023 What is PMAY? The Pradhan Mantri Awas Yojana (PMAY) - Urban is a Credit Linked Subsidy Scheme launched by...

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EPF Form 10D for Pension Claim

Members of the EPFO are, by default, part of the Employee Pension Scheme (EPS). On retirement, the individual is eligible for a regular pension. To apply for the pension amount, one needs to submit the EPF Form 10D. Therefore, the...

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ICICI RD Interest Rates 2023

ICICI Bank recurring deposits allow investors to invest in small amounts regularly for a fixed tenure. ICICI Bank recurring deposit rate ranges between p.a. for regular citizens. For senior citizens, the RD interest rates range between p.a. Also, ICICI Bank rd interest rates are higher than its saving account rates. ICICI...