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In a post on X on Saturday, Nikhil Kamath dropped a one-minute video teaser of his podcast with Ray Dalio, where they discuss a wide range of topics including crypto, wealth creation, wealth to money ratio and others. The video has already gone viral on social media.
Rupee vs Dollar: Planning Rs 1.5 crore corpus for overseas education? Here's what can help
Planning a Rs 1.5 crore corpus for a childs overseas education requires more than market returnscurrency risk is key. Experts recommend starting early with equity mutual funds, disciplined SIPs with 22% annual step-ups, and strategic allocation to international funds, combining growth and rupee depreciation protection over a 20-year horizon
How will my foreign RSUs get taxed in India?
As an ROR, your global income is taxable in India, which includes any gains arising from the sale of foreign RSUs
Will gifting money to daughter from a foreign bank account attract tax in India?
Any monetary gift a non-resident receives from a resident is taxable in India if the total exceeds 50,000, according to the Income Tax Act. But theres more
5 factors that influence your personal loan EMI know them before borrowing
The EMI of a personal loan depends on loan amount, interest rate, tenure, credit score and fees, making careful planning essential to manage monthly cash flow and avoid excessive borrowing costs.
Tata AIA Life Insurance launches multicap opportunities fund
Tata AIA launched Multicap Opportunities Fund and Pension Fund via ULIPs, offering diversified equity exposure linked to the Nifty 500. The funds span large, mid and small caps, allow debt allocation for risk management, and aim wealth creation with cover.
Looking for a personal loan? 6 crucial factors that can impact the approval process
There are ways to expedite the approval of your personal loan. They include improving credit score, managing debt, ensuring stable income, choosing the right amount, and avoiding multiple applications. Here are six factors to consider to get a personal loan cleared quickly.
Mutual funds to further tilt towards short-end, steer clear of long bonds, managers say
Indian mutual funds are set to buy more of the shortest maturity instruments as investors increasingly channel savings into sub one-year schemes, spurning longer duration debt including government bonds, fund managers said.
Gross SIP flows in 2025 crosses Rs 3 lakh crore, highest in 5 years. Check details
SIP inflows remained strong in November 2025, marking the second-highest monthly collection and extending a multi-year streak of robust and consistent investor participation.
Ola Electric, Aditya Birla Fashion among worst BSE 500 performers, stocks sink up to 70% in 2025
More than 300 BSE 500 stocks ended 2025 in deep losses, with names like Ola Electric, FirstCry and Aditya Birla Fashion plunging as much as 70% amid volatility and sectoral churn.
6 mutual funds make a complete exit from 9 midcap stocks in November
Six mutual funds made a complete exit from nine midcap stocks in November as part of active portfolio reshuffling, according to Nuvama Institutional Equities. Quant Mutual Fund led the sell-off by exiting three stocks, while Kotak Mutual Fund exited two.
Credit card limit extension scams trick users into sharing confidential information, resulting in financial loss. Awareness, cautious verification, and monitoring accounts help prevent fraud and protect credit card security.
NFO Alert: DSP Mutual Fund launches Nifty 500 and Next 50-based passive funds
DSP Mutual Fund has launched two new passive offeringsDSP Nifty 500 Index Fund and DSP Nifty Next 50 ETFproviding diversified, low-cost access to Indias equity markets. The NFOs aim to help investors build long-term portfolios using transparent, benchmark-linked strategies across market capitalisations.
Rate cut windfall: Should you reduce EMI or tenure
A 0.25% rate cut may look negligible, but the real gains depend on whether borrowers reduce EMIs or shorten tenureone choice offers comfort, the other can save lakhs.
Nilesh Shah of Kotak Mutual Fund says equity arbitrage fund taxation mirrors Chanakyas advice of gentle taxation. Despite low-volatility returns, Kotak Equity Arbitrage Fund generated significant government revenue through STCG and transaction charges, with total collections reaching up to 78% of investors net returns in FY25, according to his analysis.
In November, ICICI Prudential Mutual Fund adjusted its portfolio by increasing exposure in 455 stocks, including ITC and Eternal, while reducing stakes in 166 stocks, such as Mazagon Dock and RIL. The fund added 10 new entrants, exited four stocks, and maintained a diversified industry allocation, managing an AUM of Rs 11.41 lakh crore across 272 funds.
Credit report disputes explained: Why they matter, how to fix errors and protect your score
A credit report dispute helps correct errors in personal and account details, protecting credit scores, ensuring fair lending decisions, and encouraging regular credit report review through a dispute resolution process.
Silver ETFs deliver triple-digit gains in 2025. Should investors book profits?
Silver ETFs have emerged as top performers in 2025, delivering triple-digit returns on the back of strong industrial demand and a sharp rally in silver prices. Experts advise partial profit-booking after the surge, while maintaining limited long-term exposure through disciplined rebalancing and staggered investments rather than aggressive lump-sum allocations.
How are precious metalbased ETFs and FoFs taxed? A simple guide for investors
Taxation of precious metalbased ETFs and FoFs varies by structure and holding period, with gold and silver ETFs taxed at 12.5% LTCG after one year.
HDFC AMC anticipates positive regulatory changes following Sebi's revised mutual fund expense rules. Brokerages believe these adjustments will boost earnings and valuations. The new framework, effective April 2026, is less punitive than initially feared. This clarity allows focus to shift back to HDFC AMC's growth potential and market share.
Best banking & PSU mutual funds to invest in December 2025
Mutual fund advisors say banking & PSU debt schemes are relatively safe because these schemes invest only in bonds and papers of banks and public sector companies. Since most of these entities are government-backed, they dont have the credit risk.
The I-T Department clarified that recent communications aim to help taxpayers voluntarily correct their income tax filings. Details here.
Mutual fund expenses under Sebis new rules: A guide for investors
Lower expense and brokerage caps, clearer disclosures, and simplified compliance give investors a transparent view of what they pay and could save.
New mutual fund rules are balanced, positive for investors and AMCs: AMFI chairman
AMFI chairman Sundeep Sikka said Sebis revision of mutual fund rules strike a balanced approach, benefiting both investors and fund houses. Key changes include the Base Expense Ratio, lower brokerage caps, and removal of statutory levies from expenses. The framework offers clarity, reduces costs, and supports growth and penetration of the mutual fund industry.
ICICI Prudential Mutual Fund files draft documents with Sebi for 2 SIFs
ICICI Prudential Mutual Fund has filed draft documents with Sebi for two specialized investment funds (SIFs): iSIF Equity Ex-Top 100 Long-Short Fund and iSIF Hybrid Long-Short Fund. These funds aim for long-term capital appreciation by investing in equity and debt instruments, with a unique long-short strategy involving derivative instruments.
Karnataka engineer loses 4.37 lakh in loan app scam: 5 lessons for borrowers to stay safe
A loan application scam resulted in an automobile engineer losing 4.37 lakh, highlighting the risks of digital lending and outlining key precautions the borrowers should take to avoid fraud, harassment, and financial loss.
Falling rupee to hit Indian students planning US studies in 2026, costs may rise by 4 lakh a year
The number of Indian students going to the US for higher studies declined by 44% in August 2025 compared to August 2024. It was the sharpest fall after the Pandemic. The drop in numbers may worsen on account of the falling rupee
HDFC Bank FD rates: HDFC Bank revised its fixed deposit interest rates, effective from 17 December 2025, after RBI cut its benchmark interest rate for the Indian economy to 5.25%, compared to its earlier 5.50% levels earlier this month. Check the latest rate list here.
Neo Asset Management launches India's first independent multi-AMC fund from GIFT City
Neo Asset Management has launched the India All-Cap Core Equity Fund, an open-ended, multi-manager Fund of Funds anchored in GIFT city's Category III AIF framework. Designed for global investors, the fund offers tax-efficient access to India's growth story with a target of USD 100 million. It aims to provide broad market exposure and deep research capabilities.
7 mutual funds made complete exit from these 19 stocks in November
Seven mutual funds exited 19 stocks in November as part of active portfolio rebalancing, according to Nuvama Institutional Equities. HDFC, SBI, Kotak, Axis, Nippon India, Quant and ICICI Prudential Mutual Funds made full exits across financials, auto, pharma, metals and consumer stocks, reflecting shifting allocation strategies.
7 equity mutual funds multiply investors money by over 15 times in 20 years
Seven equity mutual funds across large-cap, mid-cap and flexi-cap categories delivered over 15x returns in 20 years, led by Nippon India Growth and HDFC Flexi Cap, highlighting the power of long-term compounding and consistent performance across market cycles for investors.
Kotak Mutual Fund: SBI, Eternal, and RIL among top 10 stock holdings in November
Kotak Mutual Fund managed assets worth Rs 5.94 lakh crore as of November 2025, with major allocations across banking, telecom and large-cap stocks. HDFC Bank, ICICI Bank and SBI remained top holdings, while selective increases were seen in Bharti Airtel, Axis Bank and Infosys, reflecting calibrated portfolio adjustments.
HDFC Mutual Fund: Eternal, ITC, Swiggy, and Paytm among stocks bought and sold in November
HDFC Mutual Fund increased its holdings in 469 stocks in November, adding exposure to names such as Eternal, ITC, ICICI Bank and Infosys, while reducing stakes in 126 stocks, including Swiggy and Paytm. The fund also invested in new IPOs, exited select stocks, and maintained a strong tilt towards financial services.
How to maximize credit card interest-free days: A simple guide
Understanding the risks of credit card usage is essential. By maximising interest-free days through careful planning, users can avoid high costs, effectively manage cash flows, and utilise credit cards as beneficial financial instruments.
AMFI Rejig: HDFC AMC and Muthoot Finance among 7 midcap stocks that may get largecap status in 2026
AMFIs half-yearly stock re-categorisation could see several midcap stocks, including Muthoot Finance, HDFC AMC, Canara Bank, Bosch, Cummins India, Polycab India and Hero Motocorp, upgraded to large-cap status from February 2026. The large-cap threshold is estimated at Rs 1 lakh crore, reflecting rising market caps and potential new entrants.
How employee stock plans can surprise you on taxes
Stock-based pay can build wealth, but tax obligations often come before cash hits your pocket. Heres what to know about employee stock options, restricted stock units and stock purchase plans.
Two to tango: How child-free couples are rethinking retirement, health and legacy
Across urban India, child-free couples are intentionally reshaping their finances, prioritising flexibility, early retirement, experiences, and long-term self-reliance over traditional child-centric milestones and expenses.
12 equity mutual funds lose over 10% in 2025. Where should investors focus in 2026?
Many equity mutual funds experienced significant losses in 2025. Over a dozen funds saw declines exceeding 10%. This performance shift highlights the need for strategic investment decisions. Investors are now considering where to focus their capital in the upcoming year. Experts suggest a move towards quality large-cap funds and diversified options for better outcomes.
Explained: Sebi revises mutual fund expense fee. Will it make your investments cheaper?
Sebi has overhauled mutual fund expense rules by introducing a Base Expense Ratio, separating statutory levies, lowering expense and brokerage caps, and simplifying disclosures to improve cost transparency, discipline and investor protection, without necessarily cutting total costs sharply
Non-government NPS subscribers can now withdraw up to 80% of their retirement corpus as a lump sum upon exit, and in some cases up to 100%. Here's how benefits are paid to subscribers.
Google launches Credit Card with Axis Bank Here's what you need to know about Pay Flex
Google Pay, in collaboration with Axis Bank, has launched its new co-branded credit card named Google Pay Flex Axis Bank Credit Card, which seeks to simplify and integrate credit with UPI services. Here's all you need to know about the new credit card.
1 lakh investment in this mutual fund at launch in 2008 would have grown to 9.8 lakh now. See how
If an investor had invested 1 lakh in this flexi-cap mutual fund in 2008, the amount would have grown 10 times in the 17 years that followed at an annualised rate of 14.25%.
NPS subscribers will now be able to withdraw up to 80% of the corpus when it exceeds 12 lakh.
NFOs : 5 new mutual funds are open for subscription now. Check details
Five mutual fund NFOs are currently open for subscription, dominated by passive offerings such as ETFs, index funds, and FoFs, alongside one active fund. Investors are advised to align choices with their risk profile and long-term goals.
HDFC Bank, RIL and SBI among 10 stocks owned by over 550 mutual funds in November
NFO Alert: Kotak Mutual Fund announces launch of Kotak Nifty Next 50 ETF
Kotak Mutual Fund has launched the Kotak Nifty Next 50 ETF, a passively managed fund tracking the Nifty Next 50 Index, offering diversified exposure to emerging large-cap companies at discounted valuations, with the NFO open from December 18 to January 1
ICICI Prudential Mutual Fund: HDFC Bank, RIL, and Infosys among top 10 stock holdings in November
7 mutual funds trim exposure in these 20 midcap stocks in November
The cut-off period runs from July 1 to December 31, 2025, with the final categorisation taking effect on February 1, 2026.
In AMFIs upcoming semi-annual reshuffle, Canara Bank and HDFC AMC may be upgraded to largecap, while Apar Industries could move to midcap. Several stocks, including Sona BLW, Gujarat Gas, and LIC Housing Finance, may shift to smallcap, Nuvama has predicted. Changes take effect February 1, 2026, with fund managers closely tracking adjustments.
This year, 344 IPOs later, half the market is underwater
A year after a record 1.5 lakh crore IPO wave, half of new listings are underwaterrevealing why listing-day pops mislead and disciplined selection matters more than ever.
3 equity mutual fund categories offer over 10% returns in 2025 so far. Will 2026 be the same?
Auto and Banking & Financial Services equity mutual funds have surged past 10% returns in 2025, leading the pack. While most categories saw positive gains, Smallcap and Pharma & Health Care funds experienced declines. Experts attribute the strong performance to robust demand, policy support, and improving financial sector fundamentals.
Best balanced advantage funds or dynamic asset allocation funds to invest in December 2025
Balanced advantage funds invest in a mix of stocks, debt, and arbitrage opportunities. These funds decide their equity exposure depending on key market ratios or in-house parameters. They invest less in stocks when the market is very high or valuations are stretched.
Why investors chase the illusive pot of gold: Inside finfluencers' mind games
Understanding the psychological biases at play can help investors resist the pull of finfluencers like Avadhut Sathe.
How can investors structure MF portfolios for better tax efficiency?
Understanding mutual fund taxation is key for investors. Equity funds held over a year attract a 12.5% long-term capital gains tax, with the first Rs 1.25 lakh tax-free annually. Debt funds are taxed as per income-tax slabs. Hybrid funds often qualify for equity taxation. Dividends are fully taxable. Investors can strategically use these products for tax efficiency.
Mutual funds: What is STP and how does it help avoid market volatility? Explained
A systematic transfer plan allows investors to transfer their funds from one mutual fund to another in a planned and systematic manner, rather than in a lump sum.
A tax return is referred to as a belated return when it is filed after the end of the original due date mentioned under section 139(1). The last date to file a belated return is 31 December.
NFO Alert: The Wealth Company Mutual Fund launches gold ETF
The Wealth Company Mutual Fund has launched an open-ended Gold ETF tracking domestic gold prices, offering investors a transparent, low-cost and liquid alternative to physical gold amid rising interest in bullion investments.
Is gold the most reliable hedge across market cycles? A look at 10 different periods
Gold has often cushioned portfolios across crises, corrections and recoveries, though its performance varies across market cycles and events.
Personal loan eligibility: What is the minimum income required?
The minimum income requirement is an important eligibility criterion for a personal loan. The applicants income helps the bank assess the applicants repayment capacity and ability to make timely EMI payments.
SBI Mutual Fund: RIL, SBI, and ITC among top 10 stock holdings in November
SBI Mutual Fund maintained a diversified equity portfolio in November, with HDFC Bank remaining its largest holding. Select adjustments were seen across banking, telecom and IT stocks, with marginal changes in portfolio weights. Overall positioning reflected a stable allocation strategy with selective buying and selling across key large-cap names.
One nation, one portfolio: How AI biases could leave us all holding the same bag
Generative AI is quietly reinforcing one of our most persistent investing biases familiarity thanks to inherent disparities in training data. If were not careful, we could find ourselves with portfolios that look eerily similar, carry the same risks, and collapse in unison.
Mutual funds pump over Rs 11,000 crore in 10 IPOs in November; 5 receive over Rs 1,000 crore
6 mutual funds make complete exit from 12 smallcap stocks in November
Six mutual funds fully exited 12 smallcap stocks in November, according to Nuvama.
ESOPs vs mutual funds: Should you hold company stock or diversify your portfolio?
Employees with ESOPs and mutual fund investments face a choice: sell company stock for diversification or hold for potential growth. Experts advise treating ESOPs as risky equity, managing concentration risk, and continuing mutual fund SIPs for long-term wealth creation.
Mutual Funds: Want to accumulate 50 lakh in next 12 years? You will need SIP of this amount
The amount of SIP is contingent on the rate of return on your investment. Higher the return, lower the SIP needed. Conversely, lower the return, higher the need for SIP.
Best arbitrage mutual funds to invest in December 2025
Arbitrage mutual funds look for the price difference that they can exploit between the cash and derivatives markets. They may also invest in debt securities and equities if there are no arbitrage opportunities available in the market.
Your debt portfolio with a lower tax-bite
From FDs to PPF and new-age funds, here are the best choices for short and long-term investment goals.
MF margins to face pressure; volumes to compensate: ICICI Pru AMC
ICICI Prudential AMC's IPO is open for subscription, with Nimesh Shah expecting profitability pressures from growing AUM to be offset by falling unitholder fees. He highlighted operating profit growth as the key valuation metric for asset management businesses, which have historically required minimal capital for expansion.
Advance tax deadline today: What happens if you miss the 15 December payment? What's the penalty?
The third advance tax instalment for FY 2025-26 is due on 15 December 2025. Taxpayers with a liability over 10,000 must pay on time to avoid interest. Here's everything you need to know about the rules in case you miss the deadline.
NCDEX gets Sebi nod for mutual fund platform ahead of equity launch
National Commodity & Derivatives Exchange Ltd, NCDEX, has received in-principle approval from Sebi to launch a mutual fund transaction platform. This platform will enable investors to subscribe to and redeem mutual fund units. The exchange aims to expand financial inclusion by targeting rural and semi-urban areas with low-denomination systematic investment plans.
Baap of Charts crackdown: Sebi starts proceedings against this finfluencer to recover over 17 crore
Sebi launched a crackdown on Ansari and his firm in 2023 when he was banned from trading in the securities market
Rupee at 90: Why your holiday to Europe, Maldives, and parts of Southeast Asia may cost more
The rupees slide past 90 to the dollar is making overseas travel costliernot just to the US, but across Europe, the Maldives and parts of Asia, with uneven impact by destination.
One year can change a lot: Why your financial goals and investments need a reset
As the year ends, it's crucial to review financial goals and investments. Changes in personal circumstances or income levels can necessitate adjustments to financial plans and insurance needs, ensuring optimal asset allocation and adequate coverage for future expenses.
Where are mutual funds placing their bets? A look at Novembers sectoral trends
In November, mutual funds favoured tech, private banks, autos, NBFCs, telecom, and insurance, while trimming holdings in other sectors, including utilities and consumer durables.
9 equity mutual funds saw decline in AUM by over Rs 350 crore in November. 5 are smallcaps
Nine equity mutual funds saw AUM fall by over Rs 350 crore in November, led by SBI Small Cap and ICICI Pru Energy Opportunities, reflecting market volatility, sectoral pressure and reduced inflows across small-cap, sectoral and international funds.
Building generational wealth: The role of intelligent advisory in family financial planning
Wealth erosion is not caused by market volatility or poor investment performance, but by a fundamental discontinuity in financial acumen.
JioBlackRock Mutual Fund: IndiGo, RIL, and HDFC Bank among top 10 stock holdings in November
JioBlackRock Mutual Funds November portfolio was anchored by large-cap leaders, with HDFC Bank and ICICI Bank as top holdings, followed by Reliance Industries, Infosys and IndiGo, underscoring the new fund houses preference for liquid, high-quality stocks.
Franklin India Flexi Cap Fund has delivered exceptional long-term wealth creation, turning a Rs 10,000 monthly SIP into over Rs 17 crore in 31 years. The fund has consistently outperformed the Nifty 500 TRI across multiple periods and is nearing Rs 20,000 crore in assets under management.
Year-end credit checklist: 5 smart moves to strengthen your credit before 2026
Regularly monitor your credit score, balance credit with investments, ensure timely EMI repayments, and avoid over-leverage to strengthen your financial health for a stress-free new year.
NCDEX receives SEBIs in-principle approval to launch mutual fund platform
NCDEX has received in-principle approval from SEBI to launch a Mutual Fund (MF) transaction platform, aimed at expanding financial inclusion and paving the way for its equity and equity derivatives segment. The platform will enable micro-SIPs, channel rural savings into regulated avenues, and support existing trading members.
There are close to 12 such funds currently available in the market, and some of the top-performing funds have delivered an average CAGR of 15-20% in the last three to five years. This has made these funds a favored choice among parents for securing childrens education and future milestones, reflecting a clear shift from conventional savings to market-linked instruments.
BSE, Eicher Motors, and HPCL among stocks bought and sold by mutual funds in November
Mutual funds were net buyers of equities worth Rs 43,400 crore in November, with strong additions in stocks like Eternal, Groww and ICICI Bank. Buying interest spanned large-, mid- and small-cap segments, while stocks such as SBI, Reliance and Kaynes Technology saw notable reductions, according to Nuvama data.
Thinking of closing a credit card? Heres how it impacts your credit score
A credit card closure can alter the credit mix, reduce credit ageing, increase the credit utilisation ratio, or halt the progress in building a credit score and history. These can result in a marginal fall in the credit score.
India must stop reinventing the regulatory wheel when it comes to educating investors
India's finfluencer crackdown reveals gaps in the digital-finance ecosystem, where unregulated advice thrives. Learning from global regulations, India can enhance transparency and accountability to protect young investors with low financial literacy.
Gold ETF inflows nearly halve in November. Is profit-booking over now?
Gold ETF inflows nearly halved in November, marking a second consecutive month of decline. Experts suggest this reflects normal profit-taking and portfolio adjustments rather than a loss of confidence in gold. Investors are advised to base gold investment decisions on asset allocation and gold prices, not just inflow patterns.
Best aggressive hybrid mutual funds to invest in December 2025
Aggressive hybrid funds are one of the popular hybrid mutual fund categories. These schemes are mandated to invest in a mix of equity (or stocks) and debt.
The Pension Fund Regulatory and Development Authority has updated the National Pension System. New guidelines expand investment choices across equity, debt, and alternative instruments. Subscribers can now access a wider range of options for customized retirement planning. These reforms aim to make NPS more investor-centric.
Trusted Banking for a Better Tomorrow : Bank of Indias Vision
Vinod Chandrashekhar Dixit Founded on September 7, 1906, Bank of India (BOI) is celebrating its 120th foundation day. BOI has evolved into a leading financial institution, synonymous with growth, development, and efficiency. With a rich legacy spanning over a century, BOI has consistently demonstrated its commitment to excellence, adapting to changing times while maintaining [] The post Trusted Banking for a Better Tomorrow : Bank of Indias Vision appeared first on Northlines .
