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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.
Mastering your 50,000 monthly income: A practical ChatGPT-inspired expense plan
A practical guide to managing a 50,000 monthly income using structured budgeting, highlighting savings, investments, and the importance of personalised financial planning for long-term stability in any country.
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.
5 mutual funds add 8 midcap stocks to their portfolios in March. Here are the details
Five mutual funds added eight midcap stocks to their portfolios in March, signaling selective accumulation as valuations turned attractive after the recent correction.
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:
Sriram Finance revises fixed deposit interest rates from 6 May Check details here
Sriram Finance has revised its fixed deposit interest rates effective 6 May 2026, following upgrades to its credit ratings by CARE Ratings, CRISIL Ratings, ICRA, and India Ratings. Here's all you need to know:
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.
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.
Buying products on low-cost EMIs? Here's how it can burn a bigger hole in your pocket in long run
Lower EMIs mean paying less immediately but losing much in the long run. Here we explain how.
Tax clearance required every time you leave the country? PIB fact checks viral claim
Under Section 230 (of the Income Tax Act, 1961), tax clearance certificates are not mandatory for all individuals, said PIB
A LinkedIn post by a CA discusses how high income does not guarantee wealth, citing lifestyle inflation as a key issue. Many earners struggle to save due to rising expenses, emphasising the need for better financial planning. Details here.
The PPF is a popular long-term savings option offering safety, steady returns, and tax benefits. With a current deposit rate of 7.10%, strategies like timing contributions and using spouse accounts can maximize returns, according to experts.
Why most SIP investors fail midway And how the 7-5-3-1 rule can help you create real wealth
The main challenge in mutual fund SIPs is staying invested long enough to benefit from compounding. The 7-5-3-1 rule emphasises patience, diversification, and emotional discipline to build long-term wealth, showing that staying invested for at least 7 years significantly increases portfolio value.
SBI Mutual Fund : HDFC Bank and Infosys among top 10 stock holdings in March
Wipro among 18 stocks from which these 7 mutual funds made complete exit in March. Check details
Centre approves 2% DA and DR hike for central govt employees, pensioners ahead of 8th Pay Commission
The government has approved a 2% increase in Dearness Allowance (DA) for central government employees and Dearness Relief (DR) for pensioners. Details here.
What are arbitrage funds? How they work, who should invest, and other details
Arbitrage Funds are low-risk hybrid mutual funds that profit from price differences between cash and futures markets. While minimising risks, these funds are not entirely risk-free and may underperform in bearish markets. Here's all you need to know.
5 equity mutual funds offer over 15% annualised return on SIP investments in 10 years. Check details
Akshaya Tritiya remains proven entry point for gold investors: Motilal Oswal
Gold continues its role as a trusted asset for Indian households, blending tradition with financial security. Investors are showing increased interest in flexible gold options alongside traditional purchases. Global factors like geopolitical tensions and economic growth concerns support gold's appeal. The outlook for gold remains constructive for medium to long-term investors, with a 'buy on dips' strategy recommended.
Gold funds vs ETFs: Where should mutual fund investors place their bets this Akshaya Tritiya?
Gold ETFs and Gold Funds offer different advantages for investors. Gold ETFs are more cost-effective and tax-efficient. Gold Funds provide easier access for those without a demat account. Experts suggest Gold ETFs for first-time investors seeking direct exposure. Gold's outlook remains constructive, though near-term volatility is expected. Investors should view gold as a hedge, not a core portfolio allocation.
Mutual Fund SIP: Why is making the first crore the hardest thing to do?
The toughest part of building a 10 crore retirement fund is reaching the first 1 crore, which may take 14 years. However, with compounding and consistent SIP investments, subsequent crores can be accumulated significantly faster
Hidden cost of delaying investments: Starting SIPs late can kill crores from your portfolio
Starting early in investment significantly impacts wealth creation due to compounding. Aman, investing 5000 at 25, accumulates 2.75 crore by 60. Delaying investment reduces returns, emphasizing the importance of timing over the amount invested.
Credit cards provide a grace period for interest-free payments if the full amount is repaid by the due date. Paying only the minimum incurs high interest on remaining balances, late fees, and potentially losing the grace period. Details here.
Capital gains from property sale? How to balance tax saving with long-term wealth creation
Investors selling property face a choice: reinvest for tax savings or maximize long-term wealth. Financial expert Shweta Jain advises a balanced approach for a 10-year horizon, suggesting a mix of high-growth equities and stable instruments. While reinvesting in property offers tax benefits, it limits liquidity. Diversification is key for optimal returns and financial flexibility.
The official reference date for the 8th Pay Commission is 1 January 2026. But because the commission has 18 months to submit its final report, it would place the finalisation around mid-2027.
Multiple sources of income can include monthly interest, quarterly dividends, quarterly REIT, InvIT distributions, alternative investments, freelance projects, etc.
8th Pay Commission: 32,400 to nearly 69,000 basic pay? Fitment factor for govt salary hike decoded
8th Pay Commission: Fitment factor is the multiplier that converts old basic pay into revised basic pay. Here's how the minimum basic pay could rise depending on the various fitment factors demanded by employee unions, and those projected by brokerage firms
The child education allowance has been raised from 100 to 3,000 per month per child, while the hostel allowance has gone up from 300 to 9,000 per month per child. Here's a breakdown of how much one can save on tax, who can claim, other details
As equity markets hit their lowest point in six years, conservative investors are increasingly gravitating toward fixed deposits.
Millions of Indians are investing every year, but not everyone is building wealth Heres why
A large share of those new entrants are first-timers. Many came in during a bull run and haven't yet seen a serious correction. That matters, because the biggest threat to their wealth won't be a bad fund, it'll be their own reaction when markets turn.
Early investment in the Sukanya Samriddhi Yojana secures a stronger financial future for a girl child through long-term compounding, tax-free returns and disciplined savings.
PMS or AIF: Where are HNIs finding better risk-adjusted returns?
Studies show that top PMS strategies have generated around 60 basis points of excess return per month over benchmarks. More importantly, roughly 7 out of 10 PMS strategies have beaten their benchmarks. Thats not easy, especially in markets where beating the index itself is tough.
In India, people buy gold on Akshaya Tritiya, depending on specific muhurat timings which vary from one city to another. From Kolkata, Delhi to Mumbai, other cities we bring you a list of the city-wise timings for Akshaya Tritiya
Secure your future with these government-backed schemes in India that offer stable returns, tax benefits, and predictable income, making them ideal for long-term financial planning in 2026.
6 AMCs see over Rs 50,000 crore AUM drop in March; top 2 see Rs 1 lakh crore fall
PSU mutual funds see Rs 4,498 crore outflow in March: Report
PSU mutual funds saw Rs 4,498 crore in outflows in March, a mild improvement from February, according to Vallum Capital. While PSU funds posted strong long-term returns, sector trends were mixedconsumption saw withdrawals, but manufacturing, infrastructure, defence and pharma attracted fresh inflows, signalling a pivot toward domestic capex themes.
Income tax penalties can occur due to default in tax payments, incorrect reporting of income, and, in some cases, misreporting of income, which is considered a severe issue. Here's when 50% and 200% fines apply.
Zero tax on 20 lakh CTC? How a smart car lease can cut your tax under the new regime
Smart salary structuring unlocks major tax savings on car leases under the new tax regime, showing how a 20 lakh CTC can significantly reduce taxable income and enhance take-home efficiency.
Your Cibil score could update faster. Here's what changed
RBI has mandated lenders to report credit data weekly instead of fortnightly to ensure more accurate and fresh credit scores. This shift enables faster loan approvals and quicker score recoveries for borrowers but also means defaults are detected much faster.
PPF investment: How to build a 1 crore corpus at 7.1% and how long it takes
The PPF crorepati reality check shows that disciplined, long-term investing at 7.1% can build 1 crore over 25 years, highlighting tax-free compounding, stability, and the need for patience.
HDFC Mutual Fund: HDFC Bank and Infosys among top 10 stock holdings in March
Gold ETFs have rallied up to 61% since last Akshaya Tritiya, driven by geopolitical tensions, central bank buying, and safe-haven demand. Experts advise sticking to asset-allocation disciplinebooking profits only if gold exceeds target weights. While valuations look stretched, long-term investors may continue SIPs as structural drivers remain supportive.
7 mutual funds trim stakes in 20 midcaps. Heres how money moved in March
Twelve stocks signaled bullish momentum by moving above their 200-day moving averages, indicating strengthening trends and potential upside continuation.
Best aggressive hybrid mutual funds to invest in April 2026
Hybrid mutual funds, particularly aggressive hybrid schemes, offer resilience in volatile markets due to their equity and debt mix. These funds, mandated to invest 65-80% in stocks and 20-35% in debt, help conservative equity investors manage risk while aiming for wealth creation. Regular profit booking by fund managers can also enhance returns.
Trump accounts explained: Eligibility, contribution limits, tax benefits for parents
Trump accounts explained: A new savings scheme, referred to as Trump accounts, is designed to help families start building wealth for children from birth. Here's how it works.
Investing in children's future is crucial for parents, with options like Sukanya Samriddhi Yojana, NPS Vatsalya Yojana, and PPF accounts. These plans help build savings for education and healthcare, offering tax benefits and high interest rates, ensuring financial stability.
Secure retirement planning can turn a 50 lakh retirement corpus into a balanced income engine. Here is how you can blend SCSS, mutual funds, equities and debt for inflation-beating, tax-efficient long-term financial stability.
Asset allocation involves distributing investments across various asset classes to manage risk and return. Common categories include fixed-income instruments, equities, and precious metals. Here's what investors should know.
6 reasons why first-time borrowers find it tough to maintain a healthy credit score
First-time borrowers often damage their credit score due to poor awareness, high utilisation and missed repayments, making disciplined financial planning essential for building a strong and sustainable credit profile.
Lumpsum vs SIP: What mutual fund investment will make you more money? Here's which to choose
SIPs and lumpsum are two approaches an investor can take when venturing into mutual funds. Here's a look at how both work, what are the benefits and which you should choose depending on your risk appetite and financial goals.
Bajaj Life rolls out Nifty 500 Low Volatility 50 Index Fund for ULIP investors: All you need to know
Bajaj Life Nifty 500 Low Volatility 50 Index Fund offers ULIP investors stable, long-term growth through a disciplined, low-volatility equity strategy.
Small habits, big bills: Why convenience costs more than you think
Hidden fees and spending traps in food delivery and OTT apps are eroding your savings.
Which sectors attracted mutual fund interest in March? Check details
Mutual funds favored Healthcare, Technology, and Utilities in March, increasing their weights. While most sectors saw value declines, Infrastructure, Technology, and Healthcare experienced the least. Private Banks maintained the highest weightage despite a slight dip, and NBFC-Non Lending saw significant over-ownership.
Market fall exposes flaws in aggressive mutual fund bets. Time for a reset?
Fund investing, which investors once saw as easy to manage independently, suddenly looks very discomfiting and complex in 2026. Investors feel unsure if their portfolios are constructed correctly, whether their choices carry good long-term prospects, and doubt their capability to generate returns.
New labour laws: Here's how much your in-hand salary changes for 6 lakh CTC
Effective from this fiscal year, the new labour laws are reshaping your monthly compensation structure with more focus on long term and retirement savings. Here's how much your in-hand salary is likely to be impacted for 6 lakh CTC
Equity-oriented mutual funds saw a 17.38% year-on-year growth in average net assets under management in March 2026, driven by strong investor confidence. Flexi cap funds emerged as the largest and fastest-growing category, with average net AUM rising 25.10% to Rs 5.28 lakh crore.
PPF rules explained: Why your investment may stay locked in for more than 15 years
The Public Provident Fund (PPF) has a 15-year lock-in period, starting from the end of the financial year in which the first deposit is made. However, investors may face a longer lock-in period, depending on the deposit date.
Mutual funds deploy Rs 1,878 crore across 4 IPOs in March. Check details
Mutual funds invested Rs 1,878 crore across four IPOs in March, led by Sedemac Mechatronics and Central Mine Planning & Design Institute. The data highlights strong institutional participation in new listings, with sizeable allocations and shareholdings reflecting confidence in select offerings during the primary market activity.
Mutual fund SIPs not enough for Rs 3 crore goal in 12 years? Heres how to bridge the gap
Planning for long-term financial goals through mutual funds requires not just consistency, but the right asset allocation and regular portfolio reviews.
Steady wealth creation can be achieved through mutual fund SIPs, as investors should continue to focus on disciplined investing, rupee cost averaging, and compounding amid global market volatility.
Why Aditya Birla Sun Life MF's Balasubramanian sees a 10-year bull market beyond the dip
A. Balasubramanian, CEO of Aditya Birla Sun Life MF, views market corrections as conviction tests, urging investors to increase allocations during red periods to lower average costs. Mint explores the funds strategic deployment of cash into mid- and small-caps
New tax regime allows meal card benefit 5 conditions to claim 200 per meal tax-free
From April 1, 2026, the tax-exempt limit on employer-provided meals have been increased to 200 per meal, up from 50 earlier. Here are the key conditions to claim the benefit.
Individual policy, family floater, or top-up: Which is the most cost-effective?
With employer insurance often falling short, a top-up plan can offer a cost-effective way to build adequate family health protection
8th Pay Commission: NCJCM's 69,000 basic pay proposal and 3.83 fitment factor explained
8th Pay Commission proposal sparks buzz as NCJCM suggests 69,000 minimum basic pay for Group C employees, based on an elaborate table of expenses, driven by rising living costs, higher fitment factor and detailed expense-based calculations.
