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ITR Deadlines: A complete guide to filing, penalties, and correction windows
The Income Tax Department has notified ITR forms for AY 2026-27. Taxpayers can file belated, revised, or updated returns. Key deadlines for advance tax and TDS payments are crucial for compliance to avoid penalties and interest.
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.
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
13 equity mutual funds deliver over 22% CAGR on lumpsum investments in 5 years. Do you own any?
Thirteen equity mutual funds delivered over 22% CAGR on lumpsum investments in five years, turning Rs 1 lakh into nearly Rs 2.72.9 lakh, led by midcap and smallcap funds.
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.
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.
The Bombay High Court on 18 April addressed petitions against pension rejection under the Employees Pension Scheme, ruling that employees should not be penalised for employers' lapses. Full details here.
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.
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.
Your credit score may not matter soon. Heres what AI looks at instead
AI is transforming credit underwriting by shifting from fixed rules to behavior-based predictions, allowing lenders to assess real financial behavior through cash flow and alternative data, thereby including unserved borrowers while emphasizing the need for ethical monitoring to prevent bias.
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.
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.
Should you choose lumpsum withdrawal or SWP? Heres what investors should know
Investors seeking steady income from mutual funds often weigh lump-sum withdrawals against systematic withdrawal plans. While market timing suits experienced investors, SWPs offer disciplined cash flows and continued investment. Financial planners recommend diversified funds, with moderate withdrawal rates, helping balance regular income needs and long-term capital growth potential.
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.
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.
PNB, Kiwi partner to launch Credit-on-UPI Card for 180 million users
Credit on UPI gets a boost as Punjab National Bank partners with Kiwi to launch a feature-rich credit card with cashback and seamless digital payments.
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.
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
Mutual fund investments are considered among the best ways for an ordinary investor to book capital gains. However, there are varying levels of risk attached based on the type of scheme. Here's what you should consider before picking one.
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.
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.
3 SIFs and 1 mutual fund NFO are open for subscription. Check dates and key details
Several new funds, including defence index and long-short strategies, are open for subscription. Investors should select options aligned with risk tolerance, goals, and horizon, avoiding herd-driven investment decisions.
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.
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.
Flexi cap mutual funds gain traction amid volatile markets, offering dynamic allocation across stocks. Compare HDFC, ICICI, Parag Parikh and Mirae Asset strategies, risks and returns before investing.
Best conservative hybrid mutual funds to invest in April 2026
Mutual fund advisors are predicting 2026 as the year for hybrid funds, especially for new investors navigating economic uncertainties. Conservative hybrid funds, with a majority allocation to debt and a smaller portion to equity, offer a cautious entry. These funds aim to provide modest equity exposure for potentially higher returns, while managing risk effectively.
Gold in 2026: How much should you hold in your portfolio and is now the right time to invest?
Gold is increasingly viewed as a hedge amid global uncertainty. Investors face questions about whether to invest, how much to hold, and which options to choose, including Gold ETFs, physical gold, and digital gold.
Social Security payout today: Benefits jump by up to $1,000 for some recipients who qualifies?
The repeal of the Windfall Elimination Provision and Government Pension Offset aims to assist those previously affected by these reductions.
From Corpus to Cash Flow: Picking the right mutual fund withdrawal strategy
Financial planners say there are two broad approaches. One is valuation-based, where investors redeem or book profits when markets appear expensive and then use or redeploy the proceeds. The other is to set up a systematic withdrawal plan (SWP), which allows investors to withdraw a fixed amount at regular intervals, typically on a pre-defined date each month. To meet this payout, the fund house redeems the required number of units based on the prevailing NAV, while the remaining corpus continues to stay invested.
A CA has warned that India's middle class may see wealth decline even with salary increases. He states that investment strategies need to shift from savings to growth to counteract rising inflation and living costs.
With rising credit card fraud incidents, users should remain vigilant and take quick steps to ensure that suspicious transactions are reported to the relevant authority without delay. Here's all you need to know
Want to transfer or gift your mutual fund units to a loved one? Here's a step-by-step guide
Mutual funds: Transferring MF units involves converting them to demat format, with specific processes for gifting or transmission. Here is a step-by-step guide to gifting your MF units to a loved one.
Effective credit management includes monitoring scores and reports. Credit scores indicate responsibility, while reports detail history. Knowledge of both is essential for securing loans and improving financial standing.
Investing in digital precious metals offers several advantages. These include no storage hurdles and no risk of theft or purity issues.
What is MWP Act and why is it crucial while buying life insurance?
Despite taking a term insurance policy, Pran Kumar's family did not receive the payout after his death due to his failure to register it under the MWP Act, which protects insurance benefits from creditors and ensures they go directly to beneficiaries.
Can non-resident heirs inherit agricultural land in India?
Inheritance is permitted under Indian law, but state-level restrictions, transfer limits and repatriation rules can complicate how such land is held or sold.
How much EMI is too much? Experts say keep it within 30% of your income
EMI burden can quietly strain finances, so keeping EMI within 2530% of income ensures financial stability, better savings, and stress-free loan management aligned with long-term financial goals.
AMFI Rejig: Physicswallah among 9 midcap stocks that may get demoted to smallcap status
Who needs an income tax clearance certificate before leaving India? New rules explained
Many were confused by claims that an income tax clearance certificate (ITCC) is mandatory for all travellers departing the country. The government clarified that ITCC is required only for specific individuals. Here's what the new rules say about NRIs.
I took help from ChatGPT and Gemini to decide if I should buy an iPhone on a yearly salary of around 7-9LPA. What the two AI's told me, changed my decision
8 equity mutual funds deliver over 170% absolute return in 5 years. Do you own any?
Eight equity mutual funds delivered over 170% absolute returns over the past five years, led by mid-cap and small-cap categories. Motilal Oswal Midcap Fund topped the list, followed by Bandhan and Nippon India schemes. Most other funds generated comparatively lower returns, highlighting strong outperformance by select high-growth equity strategies.
Kerala loan app crisis: 15,000 complaints, 7 suicides 5 crucial lessons every borrower must know
Shocking revelations from the Kerala loan app crisis expose illegal lending scams, harassment and suicides, warning digital borrowers to stay cautious, verify lenders and protect personal data online.
A 38-year-old investor with a 20-year horizon is considering a Rs 30 lakh lump sum investment alongside her existing SIPs. Financial expert Harshvardhan Roongta advises careful evaluation of market conditions and risk appetite before deploying the lump sum, suggesting either equity or hybrid fund strategies for wealth creation.
Tax-exempt investment options in India here are 5 EEE instruments for long-term savings
Investors seeking post-tax returns can consider EEE instruments in India, which provide tax benefits throughout the investment cycle. While primarily found in government schemes, they offer a stable and safe option for traditional investors.
US Social Security: April's last payment to be sent tomorrow, are you on the list?
The final April Social Security payments will be distributed this week, specifically on April 22 for beneficiaries born between the 21st and the month's end. The May payment cycle will start after that, with SSI payments expected on May 1, 2026.
8th Pay Commission: 69,000 minimum salary, 3.83 fitment factor; NC-JCM's 7 key demands explained
8th Pay Commission NC-JCM demands explained: They cover key issues such as salary, fitment factor, and pension reforms. The proposal includes a minimum salary of 69,000. It also suggests a 3.833 fitment factor. The aim is to improve pensions and the overall pay structure.
