Ramya Rajasri, Author at Wint Wealth

Fixed Income 7 min read

Premature Withdrawal of Fixed Deposits – Breaking a FD: All You Need to Know

Fixed deposits (FDs) have been a go-to investment choice for generations in India, due to their low-risk profile and guaranteed returns. It is a preferred choice for those seeking to invest their savings and earn a fixed interest rate over a specific period. However, situations may arise where you need to withdraw your FD before ... Premature Withdrawal of Fixed Deposits – Breaking a FD: All You Need to Know

Ramya Rajasri
8 May 2023 • 7 min read

Insurance 8 min read

Deposit Insurance and Credit Guarantee Corporation (DICGC): All You Need to Know

The idea of deposit insurance, with respect to deposits kept with the banks, gained popularity after witnessing banking crises in Bengal in 1948. After the failure of Palai Central Bank Ltd and Laxmi Bank Ltd.in 1960. Initially it extended to functioning commercial banks and branches of foreign banks operating in India. Deposit Insurance and Credit ... Deposit Insurance and Credit Guarantee Corporation (DICGC): All You Need to Know

Ramya Rajasri
1 May 2023 • 8 min read

Personal Finance 7 min read

How to Link PAN to Aadhar on Income Tax Portal?

As higher income attracts higher taxes, some people have got multiple PAN cards issued in their names to divide total income under different PANs to avoid paying higher taxes. To prevent this malpractice and to avoid cases where the same PAN is issued to more than one individual, the government has taken the decision to ... How to Link PAN to Aadhar on Income Tax Portal?

Ramya Rajasri
6 April 2023 • 7 min read

Tax Planning 7 min read

PAN Application for Partnership Firms

A Permanent Account Number (PAN) card is a vital document for businesses in India. It serves as a unique identification number for tax purposes and is mandatory for most financial transactions. Partnership firms, in particular, need to obtain a PAN card to comply with the regulations set by the Income Tax Department. However, the process ... PAN Application for Partnership Firms

Ramya Rajasri
4 April 2023 • 7 min read

Credit Cards 4 min read

Overpaid Credit Card Bill? Here’s How You Can Get a Refund

Overpaying a credit card bill is a very rare scenario. If it happens, the amount that is paid in excess is shown as a negative balance on your credit card statement. But you need not worry about it as it doesn’t have an impact on your credit score and your hard-earned money stays with you. ... Overpaid Credit Card Bill? Here’s How You Can Get a Refund

Ramya Rajasri
29 March 2023 • 4 min read

Credit Cards 7 min read

What Is a Credit Card Charge-off?

If you have read the terms and conditions of a credit card, you may have come across the term ‘credit card charge-off’. But, what does it mean and what are its repercussions? Technically, credit card charge-off means that the credit card issuing bank has stopped considering the debt owed by an individual as an asset, ... What Is a Credit Card Charge-off?

Ramya Rajasri
27 March 2023 • 7 min read

Credit Cards 5 min read

Pros and Cons of Co-Branded Credit Cards

Co-branded credit cards are credit cards offered by banks and credit card issuers in collaboration with a specific brand. For brand purchases, these cards provide exclusive discount coupons, cashback offers, loyalty points, and so on. Like regular credit cards, you can use them for online or offline purchases. You can select from a variety of co-branded credit ... Pros and Cons of Co-Branded Credit Cards

Ramya Rajasri
27 March 2023 • 5 min read

Credit Cards 6 min read

Crypto-linked Credit Cards- Types, Benefits, Limitations and Future Scope

Nowadays, cryptocurrencies have become one of the most well-known and popular means of transferring value. Several countries are now using crypto as legal tender and it is gradually becoming more popular and mainstream. Many shops and brands have started accepting crypto as means of payment. But can you use cryptocurrencies for daily transactions? The most ... Crypto-linked Credit Cards- Types, Benefits, Limitations and Future Scope

Ramya Rajasri
27 March 2023 • 6 min read

Credit Cards 10 min read

Things to Keep in Mind Before Choosing a Credit Card

A credit card is a financial tool that you can use to borrow instant credit within a predetermined limit. You can use it to purchase goods and services both online and offline and get rewards for your transactions. However, when it comes to choosing the right credit card, there are a lot of factors that ... Things to Keep in Mind Before Choosing a Credit Card

Ramya Rajasri
24 March 2023 • 10 min read

Credit Cards 6 min read

Is It Possible to Change the Credit Card Payment Due Date?

Credit card bill payments directly impact your credit score. This is because timely repayments are an important indicator of a credible borrower. Furthermore, the outstanding balance on your credit card may be spread into Equated Monthly Instalments (EMIs), which may be difficult if you don’t receive your salary by the set due date or due ... Is It Possible to Change the Credit Card Payment Due Date?

Ramya Rajasri
21 March 2023 • 6 min read

All Articles by Ramya Rajasri