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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.
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.
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.
RBI on Tuesday issued a consolidated digital payments e-mandate framework, setting a threshold of 15,000 per transaction for recurring payments without requiring an OTP. The framework includes provisions for cross-border payments and mandates pre-debit alerts, among other measures. Details here.
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.
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.
The Senior Citizens Savings Scheme offers a retirement plan for individuals over 60, allowing investments from 1,000 to 30 lakh for five years at 8.2% interest. Here's all you need to know
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.
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.
Dont apply for a visa before knowing this key cost difference
Choosing between single-entry and multiple-entry visas depends on travel frequency, budget, and plans. Single-entry visas are cheaper for one-time trips, while multiple-entry visas provide flexibility and convenience for frequent travelers, despite higher initial costs.
GSTR-3B March 2026 filing: Was the 20 April deadline extended? What happens if you miss due date?
Tax professionals are voicing concerns over technical glitches affecting GSTR-3B filings for the March 2026 tax period. The GST portal also shows that a one-day extension is under consideration, but no official announcement has been made yet.
Top-performing Nippon India Taiwan Equity Fund halts fresh inflows temporarily
Nippon India Taiwan Equity Fund, the top-performing mutual fund of FY26 with over 171% returns, has temporarily halted fresh subscriptions. This move aims to prevent breaching overseas investment limits. The fund house also suspended subscriptions for Nippon India Japan Equity Fund for similar reasons.
Planning to invest in flexicaps? Here are top 7 funds for April 2026
Launched in May 2013, the fund has delivered around 25% returns over the last three years on a rolling basis.
Your mutual fund's new expense ratio has a maths problem
Sebi's biggest cost disclosure reform in three decades went live on 1 April. The new framework is more transparent, but one design choice produces numbers that could confuse everyone from retail investors to advisors to data platforms.
8th Pay Commission update confirms that the memorandum submission remains open until 30 April, allowing government employees, pensioners and stakeholders to share their inputs for the pay and pension review process.
Indias home loan boom runs into a paperwork wall
Heavy documentation, uneven processes and opaque practices continue to slow borrowers, even as credit fuels most home purchases.
Small-cap mutual funds have surged, delivering double-digit returns in the past month, outperforming mid and large caps. Experts caution this is a sharp recovery post-correction, not a sustained rally, with high valuations and investor greed posing risks. Long-term investors with a high-risk appetite might consider SIPs, but large caps currently offer better risk-reward.
After direct push, Jio BlackRock taps distributors to drive growth
Jio BlackRock Asset Management is shifting its sales strategy, embracing distributors less than a year after its launch. Initially bypassing intermediaries, the joint venture will now offer specialized investment funds through distributors, with plans to extend this to mutual fund schemes. This move aims to cater to a segment of the market requiring additional guidance for investment decisions.
If your investment in gold is not for personal use, there are other alternatives to choose when looking to invest in the asset instead of purchasing physical gold. We explore digital gold what it means, its cost, associated charges, tax liability and regulatory protections.
BHIM App users can now easily track their CIBIL Score. Here's how to do it
CIBIL Score integration in the BHIM Payments App enables users to securely access credit reports, track their financial health, and increase credit awareness, supporting smarter money decisions.
PPF is a government-backed savings scheme with tax-exemption that parents or guardians can open for their child / minor in care, till the account holder turns 18. Here's all you need to know about the process, contribution limit, deduction, and more
Top investment options 2026: Compare fixed deposits, PPF, mutual funds, ELSS, and gold to balance risk, returns, and inflation protection amid geopolitical uncertainty and evolving economic conditions in India.
Tax Collected at Source: Here's how changes to TCS rates impact you check bank charges applicable
The Centre has TCS charges to ease tax burden on individuals. The changes are expected to give households and travelers relief. Here's how they impact you and what ICICI Bank and HDFC Bank have informed customers
7 common mutual fund mistakes beginners must avoid in volatile markets
Mutual fund mistakes can erode returns during volatile markets as investors react to fear, stop SIPs, chase performance, and ignore asset allocation, while disciplined investing builds long-term wealth in any country.
As retirees reach 60, fixed deposits (FDs) offer a secure investment option for managing expenses like medical and living costs. Here is a comparison on what's on offer from various private and public lenders
The government-backed Sukanya Samridhhi Yojana can help secure major life expenses, such as education, healthcare, hobbies and other aspirations for your daughter. Here's if and how you can conduct partial or full withdrawals before complete tenure.
I consulted ChatGPT and Gemini on which car I should buy on a yearly salary of 7-9 lakh. The answers by AI chatbots changed my perspective on the buying decision.
AMFI Rejig: Mazagon Dock among 8 largecaps stocks that may get midcap status
Nuvama Institutional Equities expects a reshuffle in AMFIs H2 CY26 categorisation, with several stocks at risk of moving between segments. Changes in market capitalisation thresholds could push select largecap names into midcap and midcaps into smallcap, reflecting shifting valuations and evolving market dynamics across Indias equity landscape.
As UPI fraud worries rise, can the e-rupee be a safer way to pay?
With 10.64 lakh UPI fraud cases worth 805 crore reported in FY26 (till November), RBI is tightening instant payments. But can the e-rupees token model lower scam risks?
Niva Bupa ReAssure 3.0 vs HDFC ERGO Optima Secure+: Which health plan is worth your money in 2026?
Niva Bupa ReAssure 3.0 vs HDFC ERGO Optima Secure+ comparison highlights, features, coverage, riders, premiums and benefits to help choose a suitable premium health insurance plan. Make sure you seek professional guidance before locking in on any plan.
Market volatility is back. What should investors do now?
Oil above $100, a weak rupee and job worries are rattling sentiment, but history suggests disciplined investors who stay focused on long-term goals tend to come out ahead.
Planning a Rs 1 crore corpus in 10 years? Heres how to optimise your mutual fund portfolio
Building long-term wealth through mutual funds requires a prudent mix of asset allocation, disciplined investing, and regular portfolio reviews.
How gold turned $609 billion of imports into a $1.9 trillion stockpile?
Between 2011 and 2025, India imported $609 billion worth of gold. At todays prices, that holding is worth $1.9 trillionmaking gold one of the greatest household wealth creators in modern India.
How new labour codes are quietly cutting tax bills under the new tax regime prominent CAs explain
New labour codes are changing tax planning by promoting structured salaries and employer-led benefits, helping boost tax savings under the new tax regime. Understanding these changes and consulting a tax expert is essential to make the most of these changes.
Dont have PAN or taxable income? You must file Form 157 before travelling abroad
Under the old IT regime, PAN was mandatory for filing Form 156 that was required to be filed by outbound travellers. While Form 156 could be filed on the e-filing portal of the IT department in the old regime, Form 157 can be done only manually under the IT Act, 2025.
Nippon India Mutual Fund dominates Akshaya Tritiya ETF volumes with 63% market share
Nippon India Mutual Fund demonstrated strong performance in Gold and Silver ETFs during Akshaya Tritiya 2026. The fund house secured a significant market share in combined volumes and investor base. This leadership highlights its consistent performance and superior liquidity, making it a preferred choice for Gold and Silver ETF investments in India.
MF Tracker: After a strong 7 year run, can this international fund maintain momentum?
Motilal Oswal Nasdaq 100 FOF has delivered exceptional returns, outperforming equity mutual funds over seven years, driven by US tech giants and a weakening rupee. However, experts caution against chasing sector-specific rallies, advocating for diversified domestic equity exposure for long-term wealth creation.
How to reapply for personal loan if rejected and whats the process?
If you face a rejection, it is important to understand the underlying causes and how to recover.
Claiming grandparents fixed deposits after death: What to do without a will
Grandchildren might be uncertain of their legal standing or mistakenly believe that only the most immediate surviving heirs are entitled to the funds
We explore top 20 investment tips from the 17 best investors of all time, including Warren Buffett, Benjamin Graham and Peter Lynch. Here are some timeless investment lessons you should not ignore:
An employee was fined 10 lakh for not disclosing ESOP shares in his income tax return. The ITAT Chennai canceled the penalty, citing that the omission was accidental and there was no intent to conceal income, as the shares were already taxed.
The I-T department has replaced the old Form 10E with the new Form 39 for taxpayers to claim relief on salary arrears and specified receipts under Section 157(1) of ITA 2025. Here's all you need to know
I asked ChatGPT and Gemini what how much home loan i can afford on a 7-9 lakh salary. Here's what advice the chatbots gave me
The RBI has announced premature redemption for Sovereign Gold Bonds on 20 April 2026. Investors stand to gain over 200% from their initial investment, benefiting from both capital appreciation and 2.5% annual interest during the holding period.
5 mutual funds add 11 smallcap stocks to their portfolios in March. Check which ones
Five mutual funds added 11 smallcap stocks to their portfolios in March, according to Nuvama Institutional Equities. SBI Mutual Fund and ICICI Prudential Mutual Fund led additions, while Axis, Nippon India and Quant Mutual Fund also picked select names, reflecting active portfolio management in the smallcap segment.
JioBlackRock Mutual Fund: HDFC Bank, ITC and Infosys among top 10 stock holdings in March
JioBlackRock Mutual Fund, a new entrant, reported an AUM of Rs 15,258 crore in March, with HDFC Bank and ICICI Bank as its top holdings. The portfolio also includes Bharti Airtel, Reliance Industries, Infosys and ITC, based on data from Prime Database.
Nine midcap stocks, including Physicswallah and Jubilant Foodworks, may be downgraded to smallcap in AMFIs H2 CY26 rejig, according to Nuvama Institutional Equities. Revised market capitalisation thresholds could trigger reclassification, impacting mutual fund portfolios and stock positioning across categories.
11 gold ETFs offer up to 59% return since last Akshaya Tritiya. Do you own any?
Gold ETFs have delivered significant returns, with some offering up to 59% since the last Akshaya Tritiya. Tata Gold ETF led with a 59.42% return. Experts suggest digital gold via ETFs or funds of funds is preferable for investment. Gold remains a crucial asset for portfolio diversification and hedging against inflation and economic uncertainty.
New ITR forms for AY 2026-27 require investors to disclose NBFC, HFC and corporate fixed deposit interest under Schedule OS. Here's what you must report before 31 July 2026.
Building wealth for your family is only half the job. The other half nobody does.
Decades of disciplined investing can unravel overnight if families cannot locate accounts or understand succession rules. A Will and a simple financial map can prevent chaos.
Balanced advantage funds move in sync with marketsbut not in the same way
Indias top five BAFs in terms of investor assets cut and add equity through the cycle, but differences in models drive sharp variation in timing, range and conviction.
A survey reveals that 31% of consumers feel cheated when buying silver, with 93% supporting mandatory hallmarking to ensure purity and quality of silver products.
DA hiked by 2%: Salary boost for govt employees - How much more will you take home?
The new DA hike of two per cent is an increase over the existing rate of 58 per cent in the Basic Pay. The hike now takes the Dearness Allowance to 60 per cent.
