35 C 
NRIs selling property in India may have to pay higher taxes: All you need to know
NRIs reportedly face higher tax implications when selling property in India due to revised capital gains tax rules and increased TDS rates. Proper planning, understanding exemptions, and compliance with regulations are essential to minimise tax liabilities and ensure smooth transactions.
What is minimum due on credit card and can not paying full amount affect your credit score?
The minimum payment is usually about 5% of your total outstanding bill. This is the minimum amount you must pay each month on a credit card.
Investing in equity mutual funds is popular for long-term wealth. When redeeming, capital gains tax may apply based on profits and holding periods. The FIFO method determines which units are sold first, impacting tax calculations for short-term and long-term capital gains.
8th Pay Commission says it is scheduling maximum meetings with Unions and Associations between 28 to 30 April in Delhi and will hold more meetings in the national capital and in other states in due course.
How high should your credit score be to secure the best home loan deal?
The score, which usually ranges from 300 to 900 points, tests ones capability to pay debts. The significance of a credit score is that it indicates just how creditworthy an individual is.
To file ITR-4 for AY 2026-27, visit the Income Tax e-Filing Portal, verify details, enter income and deductions, validate the form, and submit using Aadhaar OTP or EVC. Eligibility includes earning under 50 lakh from business, with specific conditions for freelancers and property owners.
Will govt employees be paid DA, DR arrears for Covid times ahead of 8th Pay Commission? What we know
Central government employees and pensioners await DA and DR arrears from the COVID-19 period. The Finance Ministry confirmed in 2020 that these payments cannot be released, despite ongoing demands. A recent increase of 2% in DA and DR has been approved, effective January 1, 2026.
The Ministry of Finance said Dearness Allowance (DA) payable to central government employees shall be increased from 58% to 60% of Basic Pay, with effect from 1 January 2026. Here's how much that impacts the monthly income
Rebate under Section 87A reduces tax for low to middle-income earners, with different income limits applicable under the old tax regime and the new regime. Check details for eligibility, limits and rules here
Switching health insurers? Heres how to keep your waiting period benefits
From porting health insurance without losing waiting period credits to increasing term cover as income rises, heres what policyholders need to know before making a move.
WFH employee moves to Manali, reveals monthly expenses to enjoy snow, free WiFi, homecooked food
A 23-year-old marketing strategist shared her monthly expenditure in Old Manali. She divided it into non-negotiable and discretionary expenses, giving a reality check of life in the mountains.
5 common credit card mistakes you should avoid
Credit cards are essential for daily expenses, aiding travel with convenience and rewards. However, misuse can lead to debt and low credit score. Here are 5 common credit card mistakes one should avoid at any cost.
I told ChatGPT: Im Gen Z, fresh into my first job in Bengaluru after moving away from home. My first salary is 50,000. So, how to spend it? Here's the AI response.
Indian I-T rules allow senior citizens some relief in taxes through deductions, exemptions and compliance activities, that they can use to reduce liability. Here's a look at what's available, which tax regime to choose and how investment planning can help finances and taxes.
New fund offer: 2 SIFs to open for subscription on April 27. Check key details
The two SIFs will follow different equity-oriented strategies, one an equity long-short fund and the other a sector rotation long-short fund.
Market volatility: Why instinct alone is not enough in market decision-making
Equities fall 10 to 20% in almost every calendar year. And yet, over the last 46 years, 37 of those years have still closed positive. Over any rolling 7-year period in Indian equity markets, there have been zero instances of negative returns.
Equity mutual funds slide up to 7% in a week; tech funds lead losses
Around 11 technology-focused funds, including HDFC Technology Fund, Tata Digital India Fund, and ICICI Prudential Technology Fund, fell 3.14% to 7.17% last week.
Infosys among top 5 stocks held by most mutual funds. Check details
Here are the top five stocks held by the highest number of mutual fund schemes as of April 17, 2026
8,500 crore inflows in a month: Why multi-asset allocation is winning big in FY26
The investor who started a SIP into a multi-asset fund two years ago didn't need to predict interest rates or time gold's rally or call the bottom on small-caps. The fund did the navigating.
Growth vs dividend option in equity mutual funds explained: Which one should you choose?
While growth allows you to reap the benefits of compounding, the dividend option, which is now called IDCW (Income Distribution cum Capital Withdrawal) provides you with regular income.
Nothing ever happens. Thats why most traders lose
An open-source bot that blindly bets No on every prediction is quietly outperforming most traders. The lesson for F&O punters and active investors is deeply uncomfortable.
Market slump hits SIP returns. Time to worry or stay put?
As markets slide and short-term SIP returns turn negative, should investors hit pause or let rupee cost averaging do its job?
Are car lease and driver salary component in your CTC taxable? All you need to know
Car leases and driver salaries can provide tax-efficient salary structures for employees. Tax regulations allow these perks to be taxed at lower values, according to experts.
The RBI is revising the framework for Prepaid Payment Instruments (PPIs) to enhance security, improve customer protection, and support long-term growth. All proposed measures explained here.
Europe offers diverse travel experiences, but budget-friendly destinations like Romania, Portugal, Slovenia, Slovakia, and Greece allow for affordable trips
Even in heavy debt, these savings remain protected from creditors | What the law says
Loans can lead to debt, but Indian law protects certain savings like EPF, PPF, and NPS from creditors. These funds ensure long-term financial security during financial distress, safeguarding families from losing their assets.
Top flexi cap funds delivered over 17% CAGR since inception, led by Bank of India Flexi Cap Fund, highlighting strong long-term performance across varying AUM sizes and relatively recent launch periods.
HRA exemption rules: Income Tax Department explains how rent, salary, and city determine tax savings
The Income Tax Department clarified that claiming HRA exemption does not guarantee significant tax savings. Benefits depend on rent paid, salary structure, and city type, with specific conditions for claiming exemptions. Details here.
Nippon India Taiwan Equity among top 5 low cost and high return funds in 3 year
Five low-cost mutual funds delivered strong three-year returns, led by Nippon India Taiwan Equity Fund and global or silver ETFs, combining high performance with relatively low expense ratios for investors.
Hidden room rent clause in health insurance can cost you thousands | Expert explains
A minor room upgrade during hospitalisation can result in thousands in deductions for related, non-room expenses
Have Rs 4 lakh to invest? Heres how to balance mutual fund SIP and lumpsum
Investors face a choice between SIPs and lumpsum investments for wealth growth. Experts suggest a balanced approach, continuing SIPs for discipline and using lumpsum for market dips. For a 4 lakh surplus, a staggered investment over months is recommended. This strategy aims to optimize returns over a 15-20 year horizon. Discipline and strategy are key for long-term success.
Zero income tax nations: Dubai, Monaco, Bahamas and more on the list
Countries like Dubai and Qatar do not impose personal income taxes, instead generating revenue through VAT and other fees. This model allows them to maintain tax-friendly environments while still funding government services.
5% annual increase in SIP can boost your retirement corpus by more than 83 lakh. Here's how
With a step-up SIP, an investor can increase their SIP amount annually as their annual income grows and accumulate a higher retirement corpus compared to a regular SIP.
The RBI cancelled Paytm Payments Bank's license for non-compliance, stating it harmed depositors' interests. The central bank assured users their funds are safe and the Paytm app will continue normal operations.
Investing after 45: 5 smart ways to balance safety, growth and retirement planning
Investing at 45 demands a smart balance between safety and growth, combining equities, insurance, and disciplined asset allocation to beat inflation and secure a stable, comfortable retirement future.
Gold investments in India include physical gold, ETFs, SGBs, and digital gold, each differing in taxation and structure. Here's how each asset is taxed in India.
Health insurance in India plays a crucial role in financial protection, as rising health care costs and the risk of claim rejections make clarity on coverage, exclusions, and the claim settlement ratio essential for better decision-making.
Five small cap mutual funds have delivered over 23% annualised returns in the last three years, led by Bandhan Small Cap. The list includes both active and index funds, highlighting strong performance in the segment, while some other small cap schemes lagged with comparatively moderate returns.
Stop ignoring your credit card; credit score health depends on activity, not inactivity. This article explains how credit card usage habits shape credit score, credit utilisation and long-term financial stability.
This Akshaya Tritiya, gold purchases in India reached 20,000 crore, but physical sales weakened, according to ClearTax's chief executive. Many transactions were made through old gold exchanges, and digital and ETF investments increased.
How long will it take to reach Rs 2 crore with Rs 20,000 SIP & Rs 50,000 lumpsum?
It will take about 20 years and 6 months to reach a corpus of Rs 2 crore with a Rs 20,000 monthly SIP and a Rs 50,000 lumpsum investment, assuming a 12% annual return.
NPS withdrawal options explained: Lump sum, annuity and phased withdrawal choices
The National Pension System (NPS) enables individuals to save for retirement with flexible withdrawal options. Recent rules enhance flexibility for both government and corporate employees, allowing different withdrawal percentages.
Top 5 large cap mutual funds to invest in April 2026
ETMutualFunds shortlisted largecap funds using returns, consistency, downside risk and size criteria, highlighting Axis, Canara Robeco, Mirae Asset, Baroda BNP Paribas and Edelweiss funds with varied performance rankings.
New investors facing market dips are advised to remain invested. Experts suggest avoiding duplicate funds and focusing on quality investments for long-term goals. Consistency in SIPs is crucial, as short-term volatility is a normal market phase. Staying invested ensures participation in market recoveries and prevents significant loss of potential returns.
How to report cybercrime in India: Step-by-step guide to filing and tracking complaints
A cybercrime or a financial fraud can strike instantly, but fast action matters. This guide explains how to report a cybercrime in India through the cybercrime portal and track your complaint for quicker resolution and safety.
Energy sector mutual funds have surged, delivering nearly 12% returns in three months. This performance has captured investor attention amid rising global energy prices. Experts suggest this is a cyclical trend, advising existing investors to book partial profits and new investors to opt for SIP or STP.
Best corporate bond mutual funds to invest in April 2026
For investors seeking relatively safe debt options for near-term or medium-term goals, corporate bond funds are recommended for April 2026. These funds invest primarily in highly-rated corporate papers, offering a safer alternative to credit risk and interest-rate sensitive funds. Investors should prioritize safety and consider the current interest rate environment.
Market correction made mid- and small-caps attractive, says Edelweiss MF's Bhattacharya
A staggered investment approach and long-term investment horizon can help to navigate volatility in this segment
India's online gaming rules, effective 1 May establish a framework to differentiate between money games and permissible e-sports. Here's what changes for you with new user safety features, regulatory authority, and mandatory registration for certain games.
Indian residents must file income-tax returns and report earnings from various sources. We breakdown of some of the important terms you need: difference between deductions, exemptions and rebate.
While the new labour law has altered salary structures, affecting in-hand pay and tax implications, choosing between the new and old tax regimes depends on applicable tax slabs and deductions.
How multi-asset funds use smart diversification in equity, debt and gold for stable growth
Investors can consider multi-asset funds for stability as market volatility rises, using diversification across equities, debt and gold to balance risk and improve long-term wealth-creation potential.
Top 5 fixed income options for senior citizens: Check interest rates, payout, key highlights
Investment in fixed income schemes provides a good and steady pad up to your pension stream with regular payouts and is an attractive option at a time when active earnings from employment have tapered.
Indias new labour codes decoded: Early impact, key shifts and what lies ahead
Five months after implementation, Indias four new labour codes reflect evolving changes in wages, safety and social security, with outcomes depending on effective coordination, compliance and alignment across industries and states.
NFO Alert: Invesco Mutual Fund launches BSE Sensex and Nifty Bank based index funds
Invesco Mutual Fund announced the launch of two new funds on Thursday, Invesco India BSE Sensex Index Fund and Invesco India Nifty Bank Index Fund.
Smart home buying starts with clarity on home loan interest rates and related concepts. Aspiring borrowers must carefully compare housing finance lenders, applicable costs and key factors before choosing affordable housing finance options. Check home loan interest rates in April 2026 from HFCs here.
AI layoffs are real: Is your emergency fund ready?
The traditional six-month emergency fund may no longer be enough in the age of AI-driven layoffs.
Confused between multi-asset allocation funds and gold or silver ETFs? Heres how to decide
Investors weighing commodity exposure can choose between gold and silver ETFs, commodity mutual funds, and multi-asset allocation funds. While ETFs offer direct exposure, commodity funds behave like equities and are cyclical. Experts suggest limited allocation and a preference for diversified multi-asset funds for most investors.
8th Pay Commission: BPMS seeks 72,000 minimum pay, 4x fitment factor, 6% annual hike; check details
The 8th Pay Commission continues to gain momentum as Bharatiya Pratiraksha Mazdoor Sangh (BPMS) demands a minimum salary of 72,000, a 4x fitment factor, and a 6% annual hike to align pay with rising income and living standards.
Cashless wallets? This brokerage wants most currency notes scrapped in 5 years
A global brokerage firm urges Prime Minister Narendra Modi to formalize transactions and reduce the use of high-value currency to enhance transparency. Here's what they suggested.
Your lunch could save you 1 lakh a year, but are you claiming it?
The Income-Tax Rules, 2026 raise the per-meal exemption to 200 and extend it to the new regimeturning employer-provided meals into a 1.05 lakh annual tax-free benefit.
WhiteOak Mutual Fund waives exit load on fresh investments; existing units retain old charges
WhiteOak Capital Mutual Fund has removed exit loads on new investments in its equity and hybrid schemes. This investor-friendly move enhances flexibility and improves the investment experience. The change applies to most schemes, excluding liquid and arbitrage funds. This decision aims to provide greater liquidity and agility for investors making portfolio decisions.
27 equity mutual funds offer over 10% returns on SIP investments in a year. Do you own any?
Over 27 equity mutual funds have surpassed 10% returns on SIP investments in the past year, with midcap and value funds leading the pack. While many funds delivered positive single-digit returns, some experienced losses. Experts suggest this period presents a favorable risk-reward for long-term equity investments in quality businesses.
Gold and silver ETFs declined up to 3% as bullion prices fell sharply amid rising crude oil prices and uncertainty around US-Iran talks. Higher inflation concerns and interest rate expectations weighed on sentiment. Analysts advise investors to book profits and wait for dips, with volatility expected to persist in the near term.
Best banking & PSU mutual funds to invest in April 2026
Banking & PSU debt funds offer a relatively safe investment option for a few years, investing primarily in government-backed entities to minimize credit risk. While interest rate fluctuations pose a risk, these schemes are generally better positioned due to shorter-duration investments.
Redeeming airline miles may feel harder than ever here's why your points won't go far anymore
Travellers are increasingly using air miles to book multiple flights, offsetting rising ticket prices and cancellations. Flexible reward programmes were seeing a surge in demand, but miles no longer stretch as far as they once did. Here's why.
New NPS exit rules explained: Retiring soon? How much you can withdraw and when
The National Pension System has updated withdrawal rules, allowing more flexibility for subscribers until 2026. Government employees exiting prematurely must use 80% of their accumulated pension wealth for an annuity, while those with an APW of 5 lakh or less can withdraw fully in a lump sum.
Can American customers expect any benefit as US companies seek tariff refunds?
The US government has launched the CAPE portal for businesses to apply for tariff refunds after SCOTUS deemed Trump's tariff regime illegal. However, companies are unlikely to pass on the benefit to Americans.
Among the safest investment tools in India, bank deposits and the government's Senior Citizen Savings Scheme (SCSS) are the preferred choice for retired investors seeking steady payouts and guaranteed returns.
Direct funds are plans where investors apply directly with a fund house without an agent, bank or broker. While this eliminates commission fees, they demand more markets knowledge from investors. Here's what you need to keep in mind
The Ministry of Finance on 22 April announced revision of rates of Dearness Allowance (DA) for central government employees, effective from 1 January 2026. Here's all we know so far
Savings of 50 lakh? How inflation and lifestyle determine if your money lasts or runs out
A big reality check on 50 lakh in savings in India shows how inflation, lifestyle expenses, and location determine how long the corpus lasts and whether it builds long-term financial security.
Income-tax returns: Here's how to declare gifts, mutual fund and share transfers in ITR form
Recipients of significant financial gifts from relatives should disclose these in their ITR to ensure transparency. Proper reporting and retention of documents can prevent tax queries or notices from the tax department in the future.
Indian retail portfolios are no longer insulated from global shocks
As the correlation between Indian and US markets hits record highs, the hidden global risks embedded in domestic stocks are making traditional diversification strategies obsolete.
In a fragile world, how anti-fragile is your portfolio?
The world is unpredictablebuild a portfolio that benefits from shocks.
NRI rental income compliance: Why is my tenant asking for UK address and tax ID from April 2026?
New Income-tax Act, 2025 and Rules, 2026 change foreign remittance reporting. What NRIs renting out Indian property must discloseand whether PPF withdrawals remain tax-free.
These 5 money habits are quietly pushing you towards a financial crisis here's how to fix them
Financial crisis warning signs often hide in daily habits. From rising debt to no savings, these signals reveal weakening money control, inefficient financial planning and the urgent need for smarter reconsideration and devising a proper economic management strategy.
Stock market losses can ease your tax burden if you dont ignore this crucial caveat
Capital losses on listed shares can be set off against capital gains within the same financial year. Unutilised losses can be carried forward for up to eight years, provided ITR is filed on time. Here's what the process looks like.
Top 4 small cap mutual funds to invest in April 2026
Teh funds have been selected based on mean rolling returns, consistency in the last three years, downside risk, outperformance, asset size
Buying your first home in 2026? Experts share key financial and market tips
Buying your first home in 2026 demands smart financial planning, professional guidance, awareness of home loan rates, hidden costs and location value to ensure long-term stability and confident property investment decisions.
Who should invest in multi-asset allocation funds? Heres what investors need to know
Multi-asset allocation funds diversify investments across equity, debt, and commodities, offering balanced risk and returns. They suit beginners and long-term investors seeking stable, moderate growth without actively managing portfolios.
These 5 multi cap mutual funds had maximum mid and small cap exposure. Check details
Top multicap funds, including Nippon India Mutual Fund, Groww, and DSP Mutual Fund, held over 50% in midcaps and smallcaps, highlighting higher risk exposure and growth-oriented portfolio positioning.
Micro-vacation boom: Why trekking is the new budget-friendly weekend escape
Young professionals in India are opting for short weekend treks instead of long vacations. Weekend trips offer affordability and accessibility, while organizations emphasize the importance of physical and financial preparation for trekking.
Around eight equity mutual funds more than doubled lump-sum investments, multiplying them over 2.72 times in the last five years, an ETMutualFunds analysis showed. Of 207 schemes analysed, four were small-cap funds, three mid-cap, and one multi-cap. Nippon India Mutual Fund led with three schemes, while others included Quant, Motilal Oswal, Bandhan, Invesco, and HDFC Mutual Fund.
Arushi Garg, a 23-year-old JPMorgan Chase engineer, shared her monthly expenses on Instagram, revealing the high cost of living in Bengaluru. Her total expenses range from 30,000 to 35,000, sparking discussions about financial pressures faced by young professionals in urban areas.
Inflation can significantly erode the value of retirement savings, as 1 crore in 2046 loses purchasing power, highlighting the need for a larger corpus, disciplined investing and inflation-adjusted long-term financial planning.
Cost is a key factor for pilgrims deciding between Hajj and Umrah. Hajj is a mandatory religious duty and significantly more expensive than Umrah, which is a recommended practice and more flexible in scheduling and pricing.
Super senior citizens may not need to file income tax returns if they meet conditions under Section 194P. Complete exemption applies to those 75+ with only a pension and interest income from a specified bank. Details here.
FD or MF: Where should you park your emergency fund? Best options for high and low tax bracket
Fixed deposits are recommended for immediate needs, while mutual funds may be better for slightly delayed emergencies
Planning retirement at 42 with Rs 30 lakh? Here is how to build Rs 10 crore corpus in 20 years
A 42-year-old Mumbai investor sought guidance on building a Rs 10 crore retirement corpus in 20 years. Expert Shivam Pathak reviewed his SIP-heavy portfolio and advised reducing smallcap concentration, shifting part of it from Quant Small Cap Fund to largecaps, and rebalancing underperforming schemes to improve long-term outcomes.
