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Katyaini Kotiyal

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About Author

Katyaini is a finance expert with a focus on the non-banking financial sector, bringing over 8 years of experience in NBFC. She specializes in simplifying complex financial concepts for readers, helping them navigate the NBFC landscape. Outside of work, she is passionate about travelling.

Blog By Author

India vs Pakistan Match 2025
Why You Should Buy a Smart TV Before the India vs Pakistan Match in the Champions Trophy

With the highly anticipated India vs Pakistan match in the Champions Trophy just around the corner, the excitement is building up.

19 Feb, 2025
Form 16A and 16B
Difference Between Form 16A and Form 16B

While paying salary, the employer deducts the applicable tax and deposits it with the government. Form 16 is a TDS (Tax Deducted at Source) certificate issued by employers to salaried employees. It includes a summary of your salary and the tax deducted during a specific financial year. However, you may earn income from sources other than your salary. That is where Form 16A and 16B come into play. Form 16A addresses tax on non-salary earnings such as rent and interest, while Form 16B pertains to property transactions.

12 Feb, 2025
Debit and Credit Note
How Debit and Credit Notes Function Under GST: An In-depth Analysis

Working through the complexities of GST paperwork can often leave businesses puzzled especially when it comes to distinguishing between debit and credit notes. These financial tools play very important roles in the accounting procedures, within the GST framework influencing how transactions are adjusted and documented.

Understanding how to differentiate between the debit note and credit note in GST and utilising them correctly is crucial for meeting GST regulations and ensuring smooth business operations. This knowledge not only helps in compliance, but it also supports the financial integrity of your company. In this article we will delve into the purpose of each document, highlight their distinctions and offer tips on managing them in your business setup.

11 Feb, 2025
Debit and Credit Note
What is the Difference Between a Debit Note and a Credit Note?

In the world of B2B transactions, maintaining accurate records is essential, especially when adjustments are required for significant amounts. Debit and credit notes play a pivotal role in documenting sales and purchase returns, serving as crucial tools for tracking adjustments between buyers and sellers.
Understanding the differences between these notes is vital for managing transactions efficiently. This guide will discuss the definitions, functions, and key distinctions between debit and credit notes, while also exploring their usage in GST-compliant scenarios.

10 Feb, 2025
Loans on low salary
Which Bank Gives Loans for Low Salary?

Many people seek Personal Loans to cover their planned or unplanned expenses. However, their monthly salary is a primary factor affecting loan eligibility. Most lending institutions have a minimum salary requirement. You must earn a minimum monthly salary to qualify for their loan. 
If you have a low income, you must look for a loan provider offering loans with a low salary requirement. For instance, Hero FinCorp has a minimum salary requirement of just Rs 15,000. Read on to find out more about these loans.

06 Feb, 2025
Credit Appraisal
What is Credit Appraisal?

In the finance industry, credit appraisal is a fundamental process that lending institutions perform to assess a potential borrower’s creditworthiness. Whenever they receive a loan application, they undergo the credit appraisal process to understand the risks of approving the loan and ensure the borrower’s financial stability.
Read on to learn more about the credit appraisal meaning, process, eligibility, benefits, and other important information one must know.

06 Feb, 2025
Things to do in Phuket.webp
Best Things To Do In Phuket: All You Need To Know

Phuket is renowned for its beaches, vibrant nightlife and rich cultural heritage. Whether you're in search of excitement, tranquillity or a taste of Thai customs Phuket caters to all preferences. From jungle adventures to strolls in Old Phuket Town and from water based activities to mesmerising performances there's a plethora of options to indulge in on this captivating island. Dive into this guide to uncover the charms of this enchanting destination.

05 Feb, 2025
how to choose air conditioner
How to Choose Best Air Conditioner for Home - Tips to Know

In India, temperatures rose to an all time high this summer, breaking all previous records. Even the rains brought humidity to an all time high, making us all seek refuge in the Air Conditioner (AC) for some relief. The demand and supply dynamics tend to increase AC prices every year. However, selecting the AC system for your home requires a lot of considerations regarding its cost, electricity usage, billing, overall cost etc. 
When choosing an AC, it is essential to evaluate your cooling requirements, energy efficiency and extra features among others. You need to research the types of AC units in the market, their installation procedures and post set-up support. Remember to research brands and models, go through reviews and find an air conditioning unit that suits both your space and budget. Make sure to explore this post for insights on how to choose the best air conditioner.

05 Feb, 2025
wedding catering services
Choosing the Perfect Wedding Catering Services: A Complete Guide

Weddings are about celebrating a memorable day of your life with family and friends. Weddings are about fun and good food. Everyone wishes to serve the best food for their wedding guests as it makes people happy, and happy people bless with all their heart .
Choosing a catering service for marriage can be tricky. If you start looking out, you will find numerous wedding catering services available. It often becomes overwhelming to select one. What should be the budget for food? What should we look for in the menu? How to make sure timely delivery? There are many such questions which arise. This detailed guide discusses various considerations like budgeting, menu options, and more to help you choose the best wedding catering services.

04 Feb, 2025