KOFFi ☕

When you realise even payroll money can make money. 🫣🫣

India’s retail inflation has dropped to 3.3% in March 2025 — the lowest in over five years. This isn’t just a headline for economists; it directly impacts how businesses plan, price, and grow. The drop is largely driven by easing food inflation — vegetables alone saw a 7% decline, while pulses, spices, and eggs also became cheaper. CPI (Consumer Price Index) tracks the overall change in retail prices paid by consumers. CFPI (Consumer Food Price Index) focuses specifically on food prices. With CPI now well below RBI’s 4% comfort zone, many economists expect a rate cut soon — potentially bringing down the repo rate to 5.5%. So, what does this mean for your business? Lower inflation = lower input costs = higher margins. If your business relies on raw materials, logistics, food, or FMCG — your cost pressure has likely eased. Also, funds parked short-term can now earn better real returns, since inflation eats away less of it. And if rate cuts happen, borrowing could become cheaper too.

Building a Business Fund Parking Platform is hard. Doing it with the right people makes it worth it. From late-night huddles to early product demos — every pixel, every pitch, every push is powered by this team. We may be in different rooms, but the energy, trust, and drive are always in sync. Here's to shared screens, shared dreams, and showing up for each other. 🌱 April team game night, Ghibli style.

🤔 Ever wondered how large enterprises manage idle funds? Here's a peek into Wipro Group’s ₹3.35 lakh crore fund parking portfolio (as of Mar 2024)👇 • 46.1% in Non-Convertible Debentures • 21.4% in Short-Term Mutual Funds • 11.4% in Term Deposits • Rest spread across Bonds, CDs, CPs, and G-Secs 🧠 Insight: Even giants like Wipro actively park idle funds in fixed-income instruments to maximize returns — not just in bank FDs.

Your business didn’t settle for average—why should your returns? Most Bank FDs give just 3.5% p.a. on short-term funds. KOFFi gives you 8% p.a. — with daily earnings, better tax efficiency, and no lock-ins. 📉 FDs hold your money. 📈 KOFFi puts it to work. Don’t just park your idle funds. Make them earn. 📌 Full comparison in the image.

Still keeping your short-term money in a bank accounts account? 🤔 You might be missing out on better returns. Liquid funds are becoming a go-to choice for businesses and investors looking for a smarter way to park idle cash. But are they actually better? In our latest blog, we break it down: ✔️ What liquid funds are and how they work ✔️ How they compare to savings accounts and FDs ✔️ Why corporates love them for managing working capital ✔️ Tax advantages and real-world return examples ✔️ What to check before picking a liquid fund ✔️ Best alternatives to consider based on your timeline 📌 Before choosing where to park your cash, find out if liquid funds make sense for your needs. 👉 Read the full blog here: Link in Comments Have you used liquid funds before? Or still relying on traditional bank accounts? Tell us what’s worked best for you 👇

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Ever wondered why loan rates keep changing? 🤔 The repo rate is RBI’s key tool to manage India's economy. From inflation battles to pandemic responses, here's how RBI changed repo rates from FY18 to FY24: - FY18-FY19: Rates rose slightly (6% to 6.25%) to tackle rising inflation. - FY19-FY20: Sharp cut to 4.40% due to slow growth and global trade worries. - FY20-FY22: Historic low of 4% during the pandemic, supporting the economy. - FY23-FY24: Rates returned to 6.25% to combat post-pandemic inflation and stabilize growth. Repo rate changes reflect RBI’s balancing act—controlling inflation, encouraging growth, and managing liquidity. What do you think about these repo rate shifts?

We're proud to support organizations like Spherule Foundation in making the most of their short-term funds—safely, ethically, and efficiently. Thank you, Geeta Bora, for the kind words and trust in KOFFi.