finance – THE ECONOMIC INDIA

23 Jul

Can a Credit Card Improve Your Credit Score?

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New Delhi [India], July 23: Your credit score is a reflection of how well you manage debt. It is a number from 300 to 900 that lenders and credit card issuers evaluate to determine whether they can offer you a loan or credit card. If you don’t have a credit score, you need to take on some form of debt to begin credit activity. If you have built a decent score and wish to improve it, one of the ways is using your credit card. Credit Card and Credit Score: The Correlation In order to acquire a credit card, you…

22 Jul

Crude Oil Shock: How Escalating West Asia Tensions Are Hitting Indian Equities

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Mumbai (Maharashtra) [India], July 22: Every time fighting breaks out near the Strait of Hormuz, market nerves flare up in Mumbai. It’s not just a figure of speech — Dalal Street feels every shock from that patch of water thousands of kilometers away. Brent crude spiked almost 14% in just four days, breaking past $85 a barrel after the US and Israel clashed with Iran. It had been hanging around $72 at the start of the month — so, a 19% jump in under three weeks. For India, which buys more than 85% of its oil from overseas, a move…

22 Jul

Rupee Under Pressure: What’s Driving India’s Currency Volatility in 2026

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Mumbai (Maharashtra) [India], July 22: Go to any currency exchange in Mumbai or Delhi this year, and you’ll see it right away. Those rate boards are changing faster, and not in the rupee’s favor. Not long ago, a dollar cost around 83 rupees. Now? You’ll get quotes anywhere from 91 to 95, depending on the week. That’s not just noise—it’s one of the rupee’s worst slides since 2013. For most people, exchange rates sound like background chatter—something you skim past in the paper. But this year, the rupee’s drop is starting to show up in real life. It’s sneaking into…

21 Jul

Behavioral Finance and Investor Psychology: Why Smart People Make Dumb Money Decisions

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Mumbai (Maharashtra) [India], July 21: Open an economics textbook and you’ll get a clean, reassuring story: investors crunch numbers, weigh the options, and always chase what makes them the most money. But talk to anyone who lived through the crash in 2008—or someone who piled into GameStop at $400—and you’ll get a very different picture. Markets aren’t run by algorithms. They’re run by people. People get nervous. People get greedy. Sometimes people are their own worst enemy. That messy gap between the supposedly “rational investor” and the real person just trying not to panic while their account balance bleeds? That’s…

14 Jul

Senior Citizens Can Now Earn Up to 7.95 Percent on Bandhan Bank Fixed Deposits

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Kolkata (West Bengal) [India], July 14: Savers seeking stronger yet stable returns have a fresh reason to consider fixed deposits. Bandhan Bank has increased its Fixed Deposit (FD) interest rates on select tenures, with senior citizens now able to earn up to 7.95% per annum on deposits of two years to less than three years. General customers earn 7.45% for the same tenure. For longer tenures of less than five years, senior citizens earn 7.75% and other customers 7.25%, which is among the best FD rates in the banking industry. Bandhan Bank also offers 6.5% interest on savings account balances…

11 Jul

Building Personal Financial Stability: Practical Steps Beyond Budgeting

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New Delhi [India], July 11: “Budget your money.” We’ve all heard it, right? For beginners, tracking every cup of coffee and subscription is solid advice. But if you’re aiming for real financial stability, you need to go way deeper. You want a life where the weird surprises—job loss, sudden bills, or the economy doing its thing—don’t totally derail you. And honestly, with prices climbing, jobs shifting, and new things to buy every day, relying on a budget alone is like building your house on sand. You need something sturdier. Money stability is about peace of mind. It means you can…

03 Jul

How Much Health Insurance Cover Does a Family Need in Metro Cities?

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New Delhi [India], July 3: Metro city living brings better access to hospitals, specialists, diagnostic centres, and advanced treatments. Still, it also raises an important question for every household: Is the health cover large enough for the family’s needs? A medical emergency can affect savings, monthly plans, and long-term goals. Choosing the right sum insured is not about picking the highest cover. It is about matching protection with realistic healthcare needs. Understanding Sum Insured in Health Insurance Sum insured is one of the most important parts of health insurance plans. It decides the maximum amount available under the policy during…

03 Jul

Photonics Watertech Limited has Filed DRHP with Emerge platform of NSE Emerge on June 30, 2026

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Gandhinagar (Gujarat) [India], July 3: Photonics Watertech Limited is engaged in providing end-to-end services in (i) LED-based lighting solutions; (ii) Solar EPC; (iii) Water Infrastructure and (iv) Automation, for government sector (including institutional & public sector undertakings) and private sector customers. The company has filed its Draft Red Herring Prospectus (DRHP) for its proposed Small and Medium Enterprise (SME) Initial Public Offering (IPO) with the NSE EMERGE platform. The proposed Initial Public Offering (IPO) comprises a Fresh Issue of up to 65,00,000 equity shares having a face value of ₹10 each and an Offer for Sale aggregating up to ₹1,000.00…

30 Jun

How Delta Exchange India Makes Crypto Trading Simple and Affordable

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New Delhi [India], June 30: Over 75% of new crypto activity in India now comes from Tier-2 and Tier-3 cities. That shift tells you something important: crypto in India is going mainstream, and traders everywhere are looking for platforms that are affordable, straightforward, and built for the Indian market. Delta Exchange India has positioned itself nicely at that intersection, as a crypto exchange built around INR, offering low fees, full INR settlement, and a feature set that works whether you are just getting started or running advanced strategies. Key Takeaways Delta Exchange was processing approximately $2.5 billion in daily trading…

29 Jun

Regulatory Review Draws Attention to Online Forex Trading Ecosystem

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New Delhi [India], June 29: Regulatory authorities and financial oversight bodies are reportedly reviewing activities related to online forex trading and cross-border financial transactions involving overseas digital trading platforms. According to publicly available regulatory advisories, financial regulators continue to monitor digital investment ecosystems to encourage compliance with applicable financial and regulatory norms in India. As part of this broader exercise, information relating to investor participation, transaction patterns, and digital financial activities is being examined. The ongoing review is focused on assessing whether certain online trading activities and associated operations comply with Indian regulatory requirements. The exercise is intended to promote…