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If I transfer my PPF account from the Post Office to a Bank, or vice versa, during the financial year, will I lose the interest ? Answer No, the interest is not lost merely because the PPF account is transferred during the financial year. As per the POSB Manual , the PPF account so transferred is treated as a continuous account with the benefits available under the PPF Scheme. The transferring bank or Post Office adds interest up to the preceding 31 March before the account is transferred. The interest from 1 April onwards is added by the transferee office after the close of the year . The Manual further clarifies that interest is to be added at the end of the year and not in the middle of the year . If interest were added at the time of transfer, it would result in compound interest being calculated on the interest already added for that year . Therefore, transferring a PPF account from Post Office to Bank, or vice versa, during the financial year does not result in loss of i...

Crorepati Goal Calculator Everyone can become a crorepati! Check how much you need to invest to become a crorepati. Start small, increase annually, and let your money compound. I can invest ₹ /mo Calculate Crorepati Calculator I can invest per month ₹ ...

  Wealth Grows in Calm:  Why Successful Investors Don't React to Every Market Movement 🌳 Wealth Grows in Calm In a world filled with market updates, breaking news, and endless opinions, investors often feel pressured to react to every market movement. However, successful investing is often less about reacting to every market movement and more about staying focused on your long-term financial goals. Market volatility is a natural part of investing. There will be periods of optimism, uncertainty, growth, and correction. While these fluctuations may seem significant in the short term, investors who remain focused on their financial goals are often better positioned to stay disciplined throughout their investment journey. The Challenge of Emotional Investing Markets can be volatile in the short term, but emotional decisions driven by fear or excitement may distract investors from their investment journey. A disciplined and goal-oriented approach can help investors stay committed ...

The 8-4-3 Rule of Compounding: Why the Biggest Wealth Creation Happens Later Many investors begin their Systematic Investment Plan (SIP) journey expecting quick results. However, wealth creation through SIPs is rarely dramatic in the early years. The real magic lies in the power of compounding, which rewards patience far more than timing. Example: A monthly SIP of ₹30,000 earning around 12% annualized returns can demonstrate the power of compounding through the popular 8-4-3 Rule. Milestone Journey of a ₹30,000 SIP Corpus Milestone Approximate Time Taken Cumulative Wealth Created First ₹50 Lakhs 8 Years ₹50 Lakhs Next ₹50 Lakhs 4 Years ₹1 Crore Third ₹50 Lakhs 3 Years ₹1.5 Crore Visual Understanding of the 8-4-3 Rule Notice how the time required to create each additional ₹50 lakh corpus keeps reducing as compounding gains momentum. First ₹50 Lakhs 8 Years Second ₹50 Lakhs 4 Years Third ₹50 Lakhs 3 Years Why Does This ...

SEBI Clarifies Borrowing Rules for Mutual Funds: What Has Changed and Why It Matters The Securities and Exchange Board of India (SEBI) has issued a circular dated March 13, 2026 , clarifying the rules related to borrowing by mutual funds . The circular is significant because it formally defines the framework for intraday borrowing and also specifies the circumstances in which equity-oriented index funds and equity-oriented ETFs may borrow funds. These changes are linked to the SEBI (Mutual Funds) Regulations, 2026 , which were notified on January 14, 2026 and will come into effect from April 1, 2026 . The circular provides regulatory clarity on an area where the industry was already following an operational practice to manage temporary liquidity mismatches. Why did SEBI issue this circular? In liquid funds and overnight funds , a timing mismatch often arises. Redemption payouts to investors are generally processed in the morning of T+1 day , while maturity proceeds from instrument...