Startup Genius

When it comes to safe and steady investments, Fixed Deposits (FDs) are often the first choice of Indian investors. Whether you’re a first-time investor, a retiree, or someone looking to park funds for a few years, an FD can seem like the ideal option. But here’s a fact that many people overlook — not all FDs are created equal . There are mainly two types of fixed deposits in the market: Bank Fixed Deposits and Corporate Fixed Deposits . While they may look similar on the surface, they differ in terms of risk, return, safety, taxation, and more. So before you lock in your money, let’s explore what sets these two options apart — and which one could be the smarter choice for your financial goals. 🔍 What Is a Bank Fixed Deposit? A Bank FD is a savings instrument offered by banks where you deposit a lump sum for a fixed tenure and earn interest on it. It's regulated by the Reserve Bank of India (RBI) and considered very low risk. Key Highlights of Bank FD: Safety First : Pro...

हर साल इनकम टैक्स रिटर्न (ITR) फाइल करना हर टैक्सपेयर्स की ज़िम्मेदारी होती है। लेकिन यह प्रक्रिया जितनी जरूरी है, उतनी ही पेचीदा भी हो सकती है – खासतौर पर तब जब आपके ज़रूरी दस्तावेज़ तैयार न हों। ITR फाइल करते समय छोटी-छोटी गलतियां आपके टैक्स रिफंड में देरी, नोटिस मिलने या यहां तक कि पेनल्टी का कारण भी बन सकती हैं। इसलिए, अगर आप फाइनेंशियल ईयर 2024-25 (आकलन वर्ष 2025-26) के लिए ITR फाइल करने की तैयारी कर रहे हैं, तो अभी से कुछ ज़रूरी दस्तावेज़ तैयार कर लें। इससे न सिर्फ आपका समय बचेगा, बल्कि आप गलतियों से भी बच पाएंगे। इस लेख में हम आपको बताएंगे कि वे कौन-से 5 अहम डॉक्यूमेंट्स हैं जिन्हें ITR फाइल करने से पहले जरूर तैयार कर लेना चाहिए, साथ ही कुछ अतिरिक्त दस्तावेज़ों की भी जानकारी देंगे जो आपके लिए मददगार साबित हो सकते हैं। 1. फॉर्म 16 – नौकरीपेशा लोगों के लिए सबसे जरूरी दस्तावेज़ अगर आप किसी कंपनी या संस्था में काम करते हैं, तो आपका एम्प्लॉयर साल के अंत में आपको फॉर्म 16 देता है। यह डॉक्यूमेंट आपकी सालाना आय और उस पर काटे गए टैक्स (TDS) की जानकारी देता है। फॉर्म 16 में शामिल जा...

 At just 16 years old, Furqaan Ahmed is already a certified ethical hacker across all seven global hat categories, a full-stack developer, and the founder & CEO of Influence Kashmir—one of the region’s fastest-growing digital agencies. With over 300 completed tech and SaaS projects, collaborations with Lieutenant Governor Manoj Sinha, and even defense-level technology deployments for the Indian Army, Furqaan is positioning himself as one of India’s youngest and most promising tech entrepreneurs. His agency has delivered work that’s appeared on New York City billboards, he’s performed live cybersecurity attacks in academic settings, and he’s built systems used by government departments, international brands, and military personnel—all before turning 17. A Self-Taught Journey That Started at Age 10 Furqaan’s journey began in a small town in Kashmir, driven by nothing more than curiosity and a second-hand laptop. He started learning programming at age 10, using free resources, tex...

In the contemporary world of literature and education, very few individuals manage to strike a perfect balance between creativity, academic rigor, and social commitment. Mr. Pushpender Kaushik is one such name whose journey as a poet, critic, short story writer, and pedagogue has been marked by excellence, innovation, and an unwavering passion for learning and teaching. Currently serving as a Lecturer in English, Mr. Kaushik’s career is an inspiring blend of academic brilliance, literary depth, and a progressive outlook toward pedagogy. With an M.A. in English from Himachal Pradesh University, Shimla, and an M.Phil. in English from Chaudhary Devi Lal University, Sirsa—specializing in “Values-Based Sociological Critique” of Indian-English literature—his academic foundation is both profound and purpose-driven. He is also pursuing a Ph.D. in English from HP University, reflecting his continuous quest for knowledge. A Dedicated Educator and Guide Mr. Kaushik’s role as an educator goes ...

Even in today’s digital payment era, cheques are still widely used—especially in business transactions. But if a cheque bounces, it’s not just a simple mistake—it can turn into a serious legal offense. Many people take cheque bounce incidents lightly, which can result in heavy penalties or even jail time. In this article, we will explain everything you need to know about cheque bounce cases in simple English: what is a cheque bounce, the legal process, penalties, and how you can protect yourself from getting into trouble. 🔍 What is a Cheque Bounce? A cheque is said to have “bounced” when the bank refuses to process it and returns it to the payee due to various reasons. The most common reason is insufficient balance in the issuer’s bank account. But other reasons may also apply. ✅ Common Reasons for Cheque Bounce: Not enough money in the account Signature mismatch Cheque validity expired (cheques are valid for 3 months) Overwriting or errors on the cheque Account i...

Fixed Deposits (FDs) are a go-to investment option for millions of Indians who want stable returns with low risk . From salaried professionals to retired individuals, FDs are trusted because they offer guaranteed interest over a fixed time period. But life is unpredictable. You may need urgent funds due to medical expenses, family emergencies, or sudden opportunities. In such cases, people often consider breaking their FD before its maturity date. While this seems like a quick solution, premature FD withdrawal can cost you much more than you expect — in the form of penalties and reduced interest . Let’s break down everything you need to know about FD withdrawal rules, penalties, how much money you can lose, and what smarter alternatives you can choose. 🔍 What Is Premature Withdrawal of FD? When you invest in an FD, you agree to lock in your money for a set period — say 6 months, 1 year, 5 years, etc. In return, the bank offers a fixed rate of interest. But if you withdraw the ...

आज के समय में लगभग हर व्यक्ति जीवन के किसी न किसी मोड़ पर लोन लेता है। चाहे वह होम लोन हो, पर्सनल लोन, कार लोन या एजुकेशन लोन — बैंक और वित्तीय संस्थाएं जरूरत के अनुसार लोन उपलब्ध कराती हैं। लेकिन क्या आपने कभी सोचा है कि अगर आप लोन की रकम समय से पहले चुकाना चाहें, तो क्या यह फैसला सही होगा? क्या इससे आपको फायदा होगा या नुकसान? क्या इसके लिए आपको पेनाल्टी देनी होगी? इस लेख में हम बताएंगे कि Loan Prepayment क्या है, इससे जुड़े बैंक के नियम क्या कहते हैं, और यह निर्णय आपके लिए फायदे का सौदा होगा या नहीं। Loan Prepayment क्या होता है? Loan Prepayment का मतलब होता है लोन की पूरी राशि या उसका कोई हिस्सा तय समय से पहले चुकाना। जैसे अगर आपने लोन 5 साल के लिए लिया है, लेकिन आप उसे 3 साल में ही पूरा चुका देते हैं, तो उसे ही प्रीपेमेंट कहा जाता है। प्रीपेमेंट दो प्रकार का हो सकता है: Part Prepayment : लोन की कुछ राशि को बीच में ही चुका देना। Full Prepayment : लोन की पूरी बकाया राशि को समय से पहले चुका देना। क्या Loan Prepayment पर पेनाल्टी लगती है? बहुत से लोग इस बात को लेकर भ्...