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Esops-The great reluctance to cash out
Esops help in retention and wealth creation, but a behavioural reluctance prevents many employees from selling company stock, even when it creates dangerous concentration risk in their portfolio.
Consumption-led health cover turns hottest category: Report reveals top insurance trends of 2025
Health insurance plans are typically seen as a safety net that comes into use only during hospitalisation. However, this phenomenon has undergone a sea change in 2025, according to a Policybazaar report.
ELSS vs index mutual funds: Which one should investors choose and why?
Both equity-linked savings schemes and index mutual funds are suitable for long-term investment.
These 5 NBFCs offer the highest interest rates up to 8.9% on fixed deposits. Check details
FD interest rates: We list out NBFCs such as Muthoot Capital and Shriram Finance that offer high interest rates on their fixed deposits (FDs)
Invesco Mutual Fund resume subscription in its 3 international funds
Invesco Mutual Fund has resumed subscriptions in three overseas fund of funds from December 5, allowing lumpsum, SIP and STP investments within available headroom, while retaining the option to suspend inflows again if overseas limits near February 2022 thresholds.
Digital NBFCs sanctioned loans amounting to 97,381 crore in H1 FY26: Report
Digital loans accounted for 19% of the sanction value and 80% of the sanction volume
Top 5 smallcap mutual funds deliver up to 30% annualized return in 3 years
Top small cap mutual funds delivered up to 30% annualised returns over three years, led by Bandhan Small Cap Fund. Several others posted strong gains, while five laggard schemes recorded losses between 13% and 16% over the same period.
Wedding season is here and costs are rising. Financial expert Pankaj Mathpal shares tips for planning wedding expenses. He stresses starting early and investing wisely. Equity and gold are recommended for long-term growth. For those who missed early planning, starting 5-10 years ahead is advised. Families should budget carefully and avoid loans to manage expenses without jeopardizing financial security.
Why 2025s market surprises make diversification more crucial than ever
Despite golds stellar run and equities late-year recovery, 2025 shows why chasing performance can hurt investors. A diversified, style-balanced portfolio is key to navigating shifting market cycles.
With the rupee touching 90 against the dollar, concerns over the soaring cost of overseas education have resurfaced. Edelweiss MF CEO Radhika Gupta says long-term financial planning should factor in 24% annual currency depreciation, as future rupee movements remain unpredictable.
From +11% to 11%: Same mutual fund category leads Novembers winners and losers
Franklin India Mid Cap Fund, the oldest in its category, has transformed a Rs 1,000 monthly SIP into Rs 2.36 crore over 32 years, achieving a 20.20% XIRR. The fund delivered positive returns in nine of the last ten calendar years, showcasing its resilience and wealth creation potential for long-term investors.
Best mid cap mutual funds to invest in December 2025
Mid cap mutual funds have seen a strong rally, leading to investor anxiety about current valuations. While these funds offer potential for high returns, they also carry significant risk due to company volatility and corporate governance issues.
Dr Reddys Share Price Live Updates: Dr. Reddy's Laboratories shows strong market interest
Bajaj Finance Share Price Live Updates: Bajaj Finance Volume Analysis
JSW Steel Share Price Live Updates: JSW Steel Sees Increased Trading Activity
Tata Consumer Share Price Live Updates: Tata Consumer's Trading Volume Overview
Infosys Share Price Live Updates: Infosys Trading Volume Insights
Wipro Share Price Live Updates: Wipro's Trading Metrics
SBI Share Price Live Updates: SBI Market Activity
M&M Share Price Live Updates: M&M trading volume report
Sun Pharma Share Price Live Updates: Sun Pharma's Recent Trading Volume
L&T Share Price Live Updates: L&T Market Activity Update
Divis Labs Share Price Live Updates: Divis Labs trading activity summary
HCL Tech Share Price Live Updates: HCL Tech Volume Analysis
SBI Life Share Price Live Updates: SBI Life's Trading Volume Insights
NTPC Share Price Live Updates: NTPC Volume Performance
Hindalco Share Price Live Updates: Hindalco's Trading Volume Overview
Apollo Hospital Share Price Live Updates: Apollo Hospital's Volume Statistics
UPL Share Price Live Updates: UPL Sees Significant Trading Activity
Want 1 crore in the next 10 years? Here's how much you need to invest in SIP
Mutual Funds: To accumulate 1 crore in the next 10 years, you must invest 43,470.95 every month in mutual funds via a systematic investment plan, assuming a 12% annual rate of return.
There are half a dozen mid-cap mutual funds that have delivered over 25% annualised returns in the past three years. A CAGR return of 25% over three years implies that an investment of 1 lakh would have grown to 1.95 lakh.
Income Tax: How to report foreign income and assets in your ITR?
CBDT sent messages and emails starting 28 November to taxpayers, urging them to revise their income tax returns (ITRs) before the 31 December deadline by disclosing their foreign income and assets
Beware of fraudsters offering credit card limit enhancement: 5 key tips to stay safe
A common trick fraudsters use to dupe credit card customers is to offer credit enhancement. Under the pretext, it is easy to convince people to share their card number, CVV, expiry date and even the OTP.
NFO Alert : Groww Mutual Fund announces launch of two passive funds
Groww Mutual Fund has introduced two passive offeringsGroww Nifty Metal ETF and Groww Multi Asset Omni FOF. The NFOs, open till December 17, aim to provide investors targeted exposure to metals and diversified multi-asset allocations. Both funds reopen for continuous trading on January 1, 2026.
Kotak Mutual Fund in its Market Outlook 2026, offered a comprehensive view of the macroeconomic environment and shared four key investment themes that are expected to shape Indias financial markets in the coming year.
MF gains and interest income in FY 2025-26: Are you eligible for tax relief under section 87A?
An expert explains why taxpayers with long-term and short-term equity mutual fund gains may not be able to use Section 87A to reduce their 202526 tax liability.
NRIs can cut tax on mutual fund gains using DTAA heres how
Recent tribunal rulings say NRIs in select treaty countries can pay capital gains tax only where they live making Indian mutual fund redemptions potentially tax-free if documents are in place.
Virendra Singh aims for a Rs 3 crore corpus in 20 years. His current Rs 9,500 monthly SIP with annual increases will not suffice. Experts advise doubling his SIP or extending his investment horizon. A simplified portfolio with a small-cap bias and gold ETFs can aid his long-term wealth creation. Discipline and consistent step-ups are key.
7 reasons your credit card gets rejected even with a good credit score
For credit card application approval or rejection, in addition to the credit score, a banks eligibility checks typically include the city of residence, employment status, minimum income, age, and residential status, among other factors.
Top SIP mutual fund picks for December 2025
Many mutual fund investors, especially beginners, often feel unsure about which funds to pick and frequently look for a ready-made MF portfolio to meet their long-term goals.
New rental laws: Security deposit limit, entry rules and key changes explained
Two months rent as security deposit, the landlord must give 24 hours' prior notice to inspect the property and cannot enter before sunrise or after sunset
Why your multi-asset fund is like a multivitamin with too little magnesium
Investors often assume that adding a multi-asset fund equals instant diversification. But unless the allocation is meaningful, the exposure to each asset may be too small to make any real difference.
Silver ETFs deliver over 100% return in 2025. Should investors lock in profits or ride the rally?
Silver ETFs have surged over 100% in 2025, prompting investors to consider profit booking or continuing the rally. Experts suggest partial profit-taking if allocation exceeds targets, while long-term investors (5+ years) can remain invested. The metal's dual industrial and safe-haven appeal, coupled with supply deficits, drives its performance.
Best large cap mutual funds to invest in December 2025
Mutual fund advisors suggest large cap schemes for conservative investors. These funds invest in top 100 companies, offering relative safety in volatile markets. While some large cap schemes have struggled recently, they can still provide inflation-beating returns. Investors can consider specific recommended funds for long-term goals with a five to seven-year horizon. Performance updates are provided monthly.
Are sectoral & thematic funds a risky bet for retail investors?
Many retail investors are pouring money into sectoral and thematic mutual funds, chasing past returns and new themes. These focused funds carry significant risks due to their concentrated nature. Investors often enter these funds late, near market peaks, leading to losses when sectors underperform.
Women's cricket team captain Harmanpreet Kaur unveils PNB's metal credit card Luxura. Check details
World Cup-winning Indian women's cricket team skipper Harmanpreet Kaur says she is happy to be the first customer of PNB RuPay Metal Credit Card Luxura.
RBI Ombudsman saw 13% increase in consumer complaints in FY25: Here's how to resolve your grievances
Grievances against the banks comprised the largest portion, accounting for 81% of complaints received. This was followed by NBFCs accounting for 14.80% of complaints received during FY 2024-25.
Income Tax: Last date to file revised or belated ITR is 31 December key questions answered
Income Tax: There are certain scenarios in which you can file a revised return, but these do not include the filing of a return after an inquiry notice by the assessing officer under section 142(1).
AadhaarUAN seeding: EPFO says no further extension for mandatory linking to file ECR
AadhaarUAN seeding: There will be no further extension for mandatory Aadhaar seeding with UAN for filing of ECR (Electronic Challan cum Return), announced EPFO via circular dated 1 December
UPI transactions jump 22% to hit 26.32 lakh crore in volume, shows November data
Total UPI transactions witnessed a 22% year-on-year rise in volume terms, reaching 26.32 lakh crore in November.
How is a credit score calculated? Key factors that impact your score
A credit score is shaped by payment history, credit utilisation, credit mix and inquiries, with disciplined borrowing and timely repayments helping maintain strong creditworthiness in todays expanding credit-driven economy.
NFO Monitor: Mirae Asset Mutual Fund launches BSE 500 and Nifty Top 20 based ETFs
Mirae Asset has launched the BSE 500 Dividend Leaders 50 ETF and Nifty Top 20 Equal Weight ETF, offering investors access to consistent dividend payers and equal-weight exposure to Indias top 20 companies. Both NFOs close on December 10 and reopen on December 16.
Blast from Past: 5 lessons learnt about mutual fund SIPs
A Ventura report highlights five SIP lessons: stay invested until goals are met, every instalment adds up, use volatility to your advantage, theres no bad time to invest, and market declines are temporary.
NFO Update: Sunil Singhanias Abakkus Mutual Fund launches its maiden fund, a flexi-cap fund
Sunil Singhanias Abakkus Mutual Fund has launched its first equity NFO, Abakkus Flexi Cap Fund, an open-ended equity scheme that will invest across large, mid, and small-cap stocks.
Are you looking for tax-saving investment avenues with a 3 year horizon? Check out these 4 options!
A report by Ventura Securities highlights top tax-saving options with a three-year horizon. ELSS funds like Motilal Oswal and SBI ELSS delivered strong CAGRs of 24.6% and 23.4%, respectively. NPS schemes from HDFC and ICICI Prudential offered three-year CAGRs ranging from 16% to 23.4%. ELSS provides tax benefits under Section 80C with a three-year lock-in, while NPS supports long-term retirement planning with additional tax advantages.
NFO Alert: Union Mutual Fund launches Union Consumption Fund
Union Mutual Fund has launched the Union Consumption Fund, an open-ended equity scheme focused on companies in consumption, consumption-related, and allied sectors. The scheme aims to generate long-term capital appreciation by leveraging structural shifts in consumer behavior and spending patterns. The NFO is open until December 15 and will reopen for continuous subscription within five business days of allotment.
HSBC credit card reward points: Should you transfer to Marriott Bonvoy for the 40% bonus?
HSBC is offering a 40% bonus for the transfer of credit card reward points to the Marriott Bonvoy program. The offer applies to 5 HSBC credit cards, is valid for a month, and the bonus Marriott Bonvoy points are capped at 2,00,000 per customer.
How data-driven rural lending can transform Indias credit ecosystem and boost growth
Rural lending is crucial for India's growth, as improved infrastructure and entrepreneurship thrive in these areas.
Marriage and divorce tax rules: Gifts, clubbing, and alimony explained
Indian tax laws treat marriage and divorce as significant events affecting tax liability. Gifts received during marriage are exempt up to Rs. 50,000. Alimony taxation varies, with lump sum payments considered capital receipts while periodic payments are taxable.
Quant Mutual Fund increased exposure to select private banks and remains positive on NBFCs, infrastructure, insurance, consumption, and telecom. The fund anticipates a broader market rally, citing easing liquidity, tax and GST reforms, corporate earnings recovery, and potential USDINR reversal, while highlighting seasonal momentum and global Fed rate expectations shaping equity performance.
Who must pay advance tax by 15 December, and what happens if you miss it
An individual whose total tax liability from non-salary income exceeds 10,000 after accounting for TDS and TCS must pay advance in four instalments. Heres how it works
WhatsApp chats in tax investigations: Courts push back against uncorroborated digital evidence
WhatsApp chats have become a common source of evidence in income-tax investigations. However, recent ITAT rulings indicate that such messages require independent corroboration to be deemed valid, as courts emphasize the need for solid evidence over mere speculation.
Equity mutual funds saw gains up to 11% in November, with sectoral and thematic funds leading the pack. ICICI Pru Strategic Metal and Energy Equity FoF topped returns at 11.48%. Experts advise caution with these volatile funds, recommending diversified equity for core portfolios and small satellite allocations for thematic plays.
Can you pay a credit card bill with another card? Heres what actually works
Paying a credit card bill with another credit card is mostly restricted, but balance transfers offer a safe alternative while cash advances carry high fees and interest for cardholders.
Top 10 mutual funds to invest in December 2025
ETMutualFunds offers a curated list of ten top mutual fund schemes. These selections span aggressive hybrid, large cap, mid cap, small cap, and flexi cap categories. The aim is to assist regular mutual fund investors in making informed decisions. Investors should consider their personal investment objectives, risk tolerance, and investment horizon before choosing a scheme.
Hybrid funds emerge as a low volatility alternative to equity
Investors are seeking safer equity-oriented products amid market uncertainty. Aggressive hybrid funds are gaining traction, offering returns comparable to equity but with significantly lower volatility. These funds also provide tax efficiency for high-net-worth individuals due to their structure.
Are gifts from NRIs to resident Indians taxable?
Under Indian income tax law, a transfer of property between specified relatives qualifies as an exempt transfer and therefore does not trigger capital gains tax for the sender.
Gold ETF AUM crosses Rs 1 lakh crore in October, inflows recorded at Rs 27,500 crore
Gold ETFs in India have crossed Rs 1 lakh crore in AUM as of October 2025, driven by record inflows, rising investor participation, and growing preference for digital gold over physical holdings. A Zerodha Fund House study highlights that Gold ETF inflows in the first ten months of 2025 alone surpassed the combined inflows of the previous five years.
2 new commodity ETFs from Bandhan MF open for subscription. 7 key things to know
Are you searching for equity mutual funds with 3 year horizon? Check out these top 10 options!
A report by Ventura Securities highlights the top-performing equity mutual funds across categories based on three-year CAGR. Largecap, large & midcap, midcap, smallcap, and flexicap funds delivered strong returns, with smallcap schemes leading the pack. The report also details the latest AUM figures for each showcased fund as of 31 October 2025.
A small fee cut, big returns: The cost reform that could boost your MF portfolio
Sebi's move to lower mutual fund costs could help investors grow long-term wealth with smaller fees.
These 6 global ETFs trade at high premiums. Should you invest?
With overseas mutual fund limits in place, investors are flocking to the few global index ETFs still open, driving premiums sharply higher. But this surge in demand means buyers could face weak results even if global stocks rally.
Regulatory tweak by Sebi makes mutual fund gifts easier, cheaper and tax-efficient
Sebis new rules now allow easy transfer of both demat and SOA-based mutual fund units, eliminating the need to redeem and repurchase. This simplifies gifting and inheritance and can significantly reduce capital gains tax, enabling families to shift MF units to low-income members and benefit from Section 87A rebates.
Union Mutual Fund has launched a new consumption-themed equity scheme, the Union Consumption Fund. Despite recent GST reforms, consumption funds have shown muted returns of 0.8% in three months. Experts advise caution with NFOs, suggesting investors consider existing diversified funds for stability over thematic concentration.
Credit score vs credit card interest rates: What lenders dont tell you
A strong credit score reduces credit card costs by securing lower interest rates, higher limits and better offers while poor scores increase borrowing risks, making responsible credit behaviour essential.
Best mutual fund SIP portfolios to invest in December 2025
ETMutualFunds' best mutual fund SIP portfolios are meant for three different individual risk profiles: conservative, moderate and aggressive.
A godsend for many, digital KYC remains a nightmare for people with disabilities
Many people with disabilities are unable to access financial services because their conditions prevent them from completing electronic know-your-customer procedures. There's plenty that needs to be done to resolve this, experts say.
Can I pay off a loan with home sale proceeds and get capital gains tax exemption?
Long-term capital gains on the sale of residential property are exempt only if the gains are reinvested in another residential property or on investment in certain bonds, capped at 50 lakh.
7 mutual fund NFOs to open for subscription this week. Check key details
Starting December 1, 2025, changes in key money rules could affect your daily expenses. These include possible update in bank loan rates, bank working days, monthly fuel rates revision and pension requirements among others.
After this Sebi circular, mutual funds could raise their exposure to REITs in 2026. Check details
Capital markets regulator Sebi has announced that the investments made by mutual funds and specialised investment funds in real estate investment trusts (REITs) would be reclassified as equity related instruments.
How much SIP is required to reach Rs 1 crore? This calculator gives the answer
7 equity funds offer over 25% CAGR in multiple timeframes. Are they part of your portfolio?
Seven top-performing equity mutual funds, including Bandhan Small Cap and HDFC Mid Cap, have delivered over 25% CAGR across three- and five-year periods, making them standout long-term performers.
These 7 top banks offer interest up to 7.2% on fixed deposits for senior citizens
Almost all banks offer 50 basis points higher interest to those depositors who are above the age of 60.
Best dynamic bond funds to invest in November 2025
Dynamic bond funds adapt to interest rate changes, investing in short- or long-term securities as needed. While not risk-free, they are ideal for investors seeking 35 year returns without predicting RBI actions. Kotak Dynamic Bond Fund and ICICI Prudential All Seasons Bond Fund are top picks for November 2025.
These 4 smallcap mutual funds lose over 10% in 1 year. Do you own any in your portfolio?
Four smallcap mutual funds have fallen over 10% in the past year, with both active and passive schemes seeing notable declines.
Can Rs 500 SIP at 16 help build a future business fund? Expert share best investment strategy
A Rs 500 SIP started at age 16 can be a powerful first step toward building future business capital. Experts say early investing matters more than the amount. A Balanced Advantage Fund, such as ICICI BAF, can offer growth with controlled risk, helping young investors begin their long-term wealth journey.
