Why paying only minimum due on your credit card can hurt your finances and credit score

Paying the minimum due on your credit card helps avoid late fees and maintain credit health, but consistently doing so can lead to mounting interest and long-term debt.

5 smart ways to use a personal loan to manage unplanned expenses wisely

Managing unplanned expenses with a personal loan becomes easier through smart borrowing, timely repayments and regulated lenders, ensuring financial stability while avoiding debt traps and protecting your credit score.

How much should you invest monthly to turn Rs 1 lakh into Rs 1 crore in 20 years?

Experts always mention the importance of aligning your investments with your financial goals, time horizon, and risk appetite.

Traditional investing is like on-field umpire, systematic investing mirrors third umpire: JioBlackRock MF

JioBlackRock Mutual Fund likens traditional investing to an on-field umpire relying on limited data, while systematic investing mirrors the third umpireleveraging technology and multiple data points for precision. The fund house's Flexi Cap Fund follows a Systematic Active Equity approach, combining human expertise with data-driven decision-making.

These 5 SBI cards in partnership with other banks offer a range of benefits. Check details here

There are several SBI Cards which are offered in partnership with other lenders such as Bank of Maharashtra, Punjab & Sind Bank and UCO Bank. We list out a few of them in this article

Missed a personal loan EMI? Its impact on your credit score is more serious than you think here's why

Missing a personal loan EMI can significantly reduce your credit score, attract penalties, and harm your future borrowing potential, making timely payments crucial for maintaining a strong credit profile.

Mutual fund NFOs: 12 new funds are open for subscription now. Check details

About 12 new mutual funds, including ETFs, index funds, and thematic funds, are currently open for subscription. These launches aim to fill product gaps in mutual fund houses, with closing dates ranging from November 10 to November 21.

MF expense ratio cap too low? Sebi open to review for better market balance and transparency

Sebi chief Tuhin Kanta Pandey said the regulator is open to reviewing mutual fund expense ratio limits, acknowledging two points of view on whether the current cap is too low. He emphasised transparency and investor trust while highlighting mutual funds role in boosting retail participation and financial inclusion.

Half of EPF savers retire with just 20,000. EPF 3.0 could make it worse.

EPF 3.0 brings long-overdue simplification and flexibility. But in chasing convenience, we risk forgetting what the provident fund was built forretirement security.

Quant Small Cap Fund reduces stake in RBL Bank and 6 other, exists Jana Small Finance Bank and Thyrocare Technologies in October

Quant Small Cap Fund reduced stakes in RBL Bank and six other stocks in October, exiting Jana Small Finance Bank and Thyrocare Technologies. The fund added shares in NBCC and Poly Medicure, maintaining exposure in 84 stocks.

Gold and Silver ETFs shine with 51% returns in 1 year. Which is a better bet now?

Gold and silver ETFs have delivered impressive 51% returns in the past year. While silver may offer short-term outperformance due to its volatility and favorable gold-silver ratio, gold remains a preferred long-term asset for its stability and capital preservation. Experts suggest strategic allocation, with gold for stability and silver for tactical plays during high industrial demand cycles.

Axis Bank Select Credit Card: 20% off on Swiggy, movie offers, and more; should you get it?

The Axis Bank Select Credit Card offers features and benefits such as a BOGO movie offer, a 20% discount on Swiggy and BigBasket, complimentary domestic and international airport lounge access, complimentary golf access, milestone benefits, etc. 

This jewellery stock is up over 50% in just 5 sessions and experts predict more upside. Do you own?

Thangamayil Jewellery has surged over 53% in five days, becoming 2025's top-performing jewellery stock. Stellar September-quarter results and a record October, with revenue crossing Rs 1,000 crore, fueled this rally. Analysts see strong technical momentum but advise caution, suggesting dips for entry points around Rs 2,800 and Rs 2,570.

Personal loans: Does it make sense to borrow money for travel? Pros and cons explained

Travel is a luxury and therefore, it is not recommended to take a personal loan for it unless the travel is urgent or you are taking loan for a very short period  

TVS Motor shares in focus as company divests stake in Rapido for Rs 288 crore

TVS Motor Company is selling its stake in Rapido for Rs 287.93 crore. This marks a strategic exit from the bike-taxi aggregator. The deal involves selling shares to Accel India VIII and MIH Investments One BV. TVS Motor had partnered with Rapido in 2022. This divestment occurs as Rapido's shareholder mix changes.

Should I pay advance tax if income is below 12 lakh under new regime?

If the total tax payable during the year exceeds 10,000, a taxpayer is required to pay advance tax. However, there are other factors to consider.

Assured returns: Explore these 7 small savings schemes offering up to 8% annual returns; check list here

From PPF & SCSS to KVP, there are several post office savings schemes which offer consistent returns in the range of 7-8.2 per cent a year to investors

Financial freedom is overrated. Financial well-being is underrated

Think of your financial journey like going on a mountain trek. Financial planning is your preparation and roadmap, financial freedom is reaching the summit peak and financial well-being is how you feel during the trek journey

Mutual Funds: Start SIP of this amount to accumulate 1 crore in 15 years

Mutual Funds: Your monthly contribution via SIPs may fluctuate based on the rate of return your investment delivers. For example, when your investment grows at 12% per annum, you need an SIP of 20,016 and when it grows at 9%, you need an SIP of 26,426 to save 1 crore in 15 years

Gifting stocks and mutual funds this festival season? Watch out for tax traps

While gifting wealth-creating assets is thoughtful, and often tax-efficient in the long run, its important to be mindful of the tax implications that may arise for both the giver and the recipient.

Singtel to sell 0.8% Bharti Airtel stake in Rs 10,300 crore block deal: Report

Singtel is reportedly selling a 0.8% stake in Bharti Airtel for Rs 10,300 crore, a move aligning with its strategy to optimize holdings and unlock capital. This comes as Bharti Airtel reports robust Q2 performance, with strong EBITDA growth and rising ARPU, signaling continued positive momentum for the Indian telecom giant.

Gainers & Losers: Redington, Paytm among 6 stocks that moved most on Thursday

Headline indices Nifty and the BSE Sensex ended in the red on Thursday, recording their second successive losses amid selling pressure in financials, metals and realty stocks.

Looking to claim inherited assets? Key steps to follow in these 3 investment options

Locating and recovering financial assets of a deceased person can be complex, especially when no clear record exists. Legal heirs or executors must follow proper legal procedures obtaining probate or succession certificates before accessing assets such as mutual funds, shares, or cryptocurrency. Each asset class has distinct rules: unclaimed mutual fund units require KYC and legal documentation; crypto recovery depends on whether private keys or exchange access exist; and shares often need affidavits, police reports, and heir certificates.

Pre-approved credit cards explained: Meaning, benefits, and drawbacks

Pre-approved credit cards offer faster approval and introductory benefits but may have lower limits and perks.

Planning Rs 1 crore corpus in 10 years with Rs 40,000 SIP? Heres how tweaking your portfolio can help as you approach retirement

Approaching retirement, an investor aiming for 1 crore in 10 years can boost their corpus by increasing SIPs annually. A financial expert suggests a 10% yearly SIP hike, potentially reaching 1.75 crore. The advice also includes a gradual shift from small- and mid-cap funds to large-cap for stability as retirement nears.

NFO Update: Bajaj Finserv Mutual Fund launches banking and financial services fund

Bajaj Finserv Mutual Fund has launched its new open-ended equity scheme, the Bajaj Finserv Banking and Financial Services Fund. The fund, which opens for subscription on November 10, will invest in the rapidly transforming BFSI sector. It aims to capture long-term wealth creation opportunities by investing in 45-60 stocks across banks, NBFCs, insurers, and fintechs.

How EVs stack up against petrol cars post-GST cuts? Here's the math

As GST cuts make petrol and diesel cars cheaper, buyers are redoing their math. EVs still save on running costs, but the payoff depends on how much you actually drive.

Do multiple credit cards improve or hurt your credit score? Find out

Managing multiple credit cards wisely can enhance your credit score by improving credit utilisation, repayment history, and credit mix, while poor management can lead to debt and lower scores.

Sebi open to revising cap on brokerage fees paid by mutual funds: Report

Sebi is considering revising the proposed cap on brokerage fees paid by mutual funds, following industry concerns over revenue and research access. The move is part of a broader revamp of the mutual fund fee framework aimed at enhancing transparency, investor protection, and regulatory clarity.

What is a credit mix, and how can it strengthen your credit score

A strong credit mix of loans and credit cards enhances your credit score, showcasing responsible financial behaviour and improving your chances of securing favourable lending opportunities.

NFO Insight: Is Helios Small Cap Fund a smart bet amid smallcap market volatility?

Helios Mutual Fund has launched its Small Cap Fund, open until November 20. While experts advise caution with NFOs, some see this as an opportune time for a new fund to build a portfolio. Despite potential volatility, small-cap funds historically offer strong long-term growth, with current valuations appearing fair.

Marriott Bonvoy HDFC Credit Card: Is the 10,000 bonus points offer a good deal?

HDFC Bank is offering up to 10,000 bonus Marriott Bonvoy points on spending up to Rs. 2.5 lakhs on the Marriott Bonvoy HDFC Bank Credit Card between 1st October to 30th November 2025.

Best mid cap mutual funds to invest in November 2025

As per Sebi norms, the mid cap mutual funds are mandated to invest in companies that are between 101 and 250 in the market capitalisation. These companies can be leaders of tomorrow. Thats what makes them great bets. If these companies live up to the promise, the market will reward the investors handsomely.

Personal loans interest rates in Nov 2025: These are the latest rates which lenders charge

We list out the latest interest rates charged by different banks on their personal loans

Ahead of Market: 10 things that will decide stock market action on Thursday

Indian markets were closed for a holiday on Wednesday. On Tuesday, the Sensex and Nifty closed lower, extending their losing streak due to sharp cuts in IT, auto, and metal stocks. Investor sentiment remained subdued amid FII selling and rising US bond yields, though India's economic fundamentals remain resilient.

Will nomination make me sole owner of the asset?

Being named a nominee for fixed deposits does not automatically make you the sole owner. Legal heirs or Will beneficiaries have claims, too.

Freelancing is tricky, managing money is trickier. Stay ahead with these practices

The following strategies can help you overcome the challenges of irregular income and achieve financial security.

Why EPFOs new withdrawal rules may hurt more than they help

EPFOs move to extend full withdrawal timelines aims to secure retirement savingsbut may create new hurdles for migrants, retirees, and those facing emergencies.

Looking for top SIP mutual funds to invest in November? Heres help for moderate investors

ETMutualFunds' top mutual fund SIP portfolios are meant for three different individual risk profiles: conservative, moderate and aggressive.

Best large & midcap funds to invest in November 2025

ETMutualFunds.com has shortlisted the best large & mid cap funds for November 2025 based on rolling returns, consistency measured through the Hurst Exponent, downside risk, Jensens Alpha, and minimum asset size. The recommended list includes schemes from Axis, Mirae Asset, Canara Robeco, Sundaram, Kotak and Quant. These funds balance growth and stability but require investors to tolerate moderately higher risk.

Multi Asset Allocation vs. Flexi cap Mutual Funds: Which is a better choice for you?

Investors often face confusion between flexicap and multi asset allocation funds. While both offer diversification, they differ in asset focus, SEBI mandates, risk levels, and investment horizons.

Top 5 large cap mutual funds with highest risk adjusted returns

ICICI Prudential Bharat 22 FoF topped large-cap funds with a Sharpe ratio of 1.17, followed by Nippon India and ICICI Pru Large Cap Funds, highlighting superior risk-adjusted returns over three years.

All 36 equity mutual funds made investors crorepatis with just Rs 10,000 monthly SIP over 25 years

An ETMutualFunds analysis revealed that all 36 equity mutual funds turned a Rs 10,000 monthly SIP into over Rs 1 crore in 25 years, with Nippon India Growth Mid Cap Fund topping at Rs 8.81 crore and an XIRR of 22.14%. The study excluded hybrid and thematic funds and was purely illustrative, not a recommendation.

ET Classroom: Your guide to building a smart mutual fund portfolio

Many new mutual fund investors are choosing schemes based on recent performance or friends' tips, neglecting personal financial goals and risk tolerance. Financial planners emphasize that understanding your objectives, timeframe, and comfort with volatility should guide fund selection, not just chasing past winners.

PPF Vs FD: Which is better if you want to remain invested for the long haul?

Both PPF and fixed deposits are safe investment options and provide fixed and assured returns. The difference, meanwhile, lies in the lock-in period, rate of return and tax treatment. 

Planning to stop your mutual fund SIP? It could be the right move here are 5 valid reasons to do it

Discontinuing your mutual fund SIP is not always wrong. Sometimes, your financial goals have already been met, or another investment opportunity may be on the horizon.

Edelweiss Mutual Funds Radhika Gupta bets on SIFs opening a new chapter in Indias alternatives story

Edelweiss Mutual Fund CEO Radhika Gupta said the new Specialised Investment Fund (SIF) category bridges the gap between mutual funds and AIFs by offering both flexibility and regulatory comfort. Speaking at the Morningstar Investment Conference, she highlighted that SIFs can provide access to diverse strategies such as long-short, private credit, and real assets. However, she cautioned that investor education and awareness of risk are key to ensuring SIFs reach the mass affluent segment effectively.

ICICI Prudential Life launches BSE 500 Enhanced Value 50 Index Fund

ICICI Prudential Life Insurance launched the BSE 500 Enhanced Value 50 Index Fund under its ULIPs, offering investors exposure to fundamentally strong yet undervalued companies through a rule-based, diversified strategy.

Edelweiss MF records 80% AUM growth in 3 years; Rs 500 crore SIP milestone marks investor confidence, says Radhika Gupta

Edelweiss Mutual Fund has achieved a milestone, with its total AUM reaching Rs 1.64 lakh crore as of October 2025, marking over 80% growth in three years. The fund houses monthly SIP book crossed Rs 500 crore, supported by rising investor confidence. Equity and hybrid AUMs expanded fourfold, while investor and SIP folios grew significantly, reflecting growing retail participation and trust in the brand.

Personal loans: Check THESE key points before you decide to borrow

Personal loans: As RBI report points out household debt significantly post Covid, a quick check list to check before you borrow money

NFO Alert: Franklin Templeton Mutual Fund launches Franklin India Multi-Factor Fund

Franklin Templeton (India) has launched the Franklin India Multi-Factor Fund, an AI-driven equity scheme using quantitative strategies based on quality, value, sentiment, and alternative factors. The NFO opens on November 10 and closes on November 24

10 equity mutual funds lose over 5% in 1 year. Do you own any?

Around 10 equity mutual funds fell over 5% in the past year, with nearly 40 delivering negative returns. Samco, Tata, and Quant funds were among the worst performers.

Do Hindu daughters have equal inheritance rights? Heres what the law says

Hindu law has evolved from ancient scriptures, with significant codification in 1956 through acts like the Hindu Succession Act, which governs inheritance rights. 

Brokers and mutual funds need to move past compliance checklists to build resilient capital markets: SEBI Chairman

SEBI Chairman Tuhin Kanta Pandey urged brokers, mutual funds, distributors, and advisors to go beyond compliance and proactively strengthen transparency, investor protection, and governance. He emphasised fair access, robust disclosures, risk management, operational resilience, and ethical culture as key to building a trustworthy, stable, and inclusive capital market.

Planning to turn Rs 1 lakh into Rs 1 crore? Heres how long it takes and how annual top-ups can speed up your goal

The compounding effect grows wealth faster when investments rise annually, along with income. Increasing SIP contributions each year accelerates goal achievement, reducing the time to reach a Rs 1 crore corpus significantly across different interest rates. Even small yearly increases create a powerful impact on long-term financial growth.

Pensioners' Life Certificate Services at doorstep now as India Post Payments Bank partners with EPFO

India Post Payments Bank has partnered with EPFO to provide doorstep Digital Life Certificate services for pensioners enrolled in the Employees' Pension Scheme, 1995.

PPFAS Mutual Fund appoints Vikas Gandhi as Chief Financial Officer

PPFAS Mutual Fund named Vikas Gandhi as its new CFO effective November 4, 2025. With 23 years of financial experience, Gandhi will lead financial strategy and strengthen governance.

How IPO reforms created a new kind of investor euphoria

Indias IPO reforms deepened the marketbut also fuelled a culture of short-term bets, overpricing, and unrealistic expectations. Its time for a fairer, more transparent ecosystem.

Why you need a Willand how to get it right

A Will isnt only for the wealthy. Its a simple, powerful way to ensure your assets are passed on as you intend without legal hurdles, disputes, or uncertainty.

MF Tracker: Can this international fund which gave nearly 70% CAGR in 3 years maintain its rally?

Mirae Asset NYSE FANG+ETF FoF has delivered nearly 70% CAGR in three years, outperforming other equity funds. Despite a negative return in 2022, the fund has shown strong performance driven by tech giants and AI optimism. Experts advise caution due to high valuations and concentration, suggesting SIPs for volatility management.

Midcap mutual funds deliver alpha over a decade. Should you stay invested longer?

Midcap mutual funds outperformed peers, delivering 17.4% average 10 year SIP returns. Experts recommend long term investing despite high valuations, citing midcaps strong potential and consistent performance across various time horizons.

Quant Mutual Fund increases exposure in NBFCs and PSU banks, launches Indias first SMID SIF

Quant Mutual Fund increased exposure to NBFCs, PSBs, and mid-small caps while launching Indias first SMID long-short fund. The fund house remains bullish on equities and key growth sectors.

EPFO: How to update the date of leaving your job here is a step-by-step guide

Here is a step-by-step guide for EPFO subscribers to update the date of leaving their job.

Best Mutual Funds: These flexi-cap funds gave over 20% annualised returns in past 5 years. Check list

Best Mutual Funds: An annual growth of 20% means that if someone had invested 1 lakh in this fund five years ago, it would have grown to 2.48 lakh.

Inactive Mutual Funds: How to reclaim unclaimed investments via Mitra a step-by-step guide

Mutual Funds: Mitra is a service platform that helps investors trace inactive and unclaimed mutual fund folios. It is an abbreviation for Mutual Fund Investment Tracing and Retrieval Assistant.

FAN approach: How this passive Dynamic Asset Allocation fund can help you keep portfolio in tune with market mood

SBI Mutual Fund introduces the FAN (Flexible, Agile, Nimble) approach in its Dynamic Asset Allocation Active Fund of Fund, offering investors adaptive, tax-efficient, and professionally managed equity-debt allocation strategies.

BFSI sector surge over 50 times in market capitalization in 20 years: Bajaj Finserv AMC

India's BFSI sector has seen remarkable growth, with market cap surging over 50 times to Rs 91 trillion by 2025, driven by financialisation and regulatory reforms. This sector consistently outperformed the broader market, showcasing its integral role in India's economic transformation and capital markets.

Home loan insurance: Why your cover may not match your loan

Most borrowers buy insurance linked to home loans, but many of these policies are inadequate, misaligned, or wrongly assignedleaving families unprotected when they need it most.

Mutual fund managers are betting on 6 stocks in 2025. Heres the full breakup

Before you take a personal loan, ask THESE 5 questions

Before taking a personal loan, understand key factors like interest rates, repayment capacity, eligibility, and lender credibility to make informed borrowing decisions and protect your financial stability.

NFO Alert: Angel One Mutual Fund launches Indias first smart beta funds on Nifty Total Market Index

Angel One AMC launches Indias first Smart Beta schemes based on the Nifty Total Market Index, offering diversified, rule-based exposure through its Momentum Quality 50 ETF and Index Fund, open till November 17.

Want to claim investments of deceased holders in MFs and bank accounts? Heres a step-by-step guide

If an investor dies without a nominee, the legal heir can claim investments by completing the transmission process. This requires KYC documents, legal heir or succession certificates, and submission to the relevant bank or mutual fund house for asset transfer approval.

Is an NRI liable to pay advance tax on dividend income?

A private limited company may declare an interim dividend at any time during the financial year, provided it is paid out of the profits earned by the company during that financial year.

1,000 in cash hurts. 1,000 on screen doesnt, and thats exactly how they want it

Digital payment methods, such as UPI, have transformed how consumers perceive spending. The absence of physical cash reduces emotional connection, making transactions feel effortless. 

How checking your personal loan EMI can stop you from falling into a debt trap

Checking your personal loan EMI helps manage monthly repayments, prevent debt traps, and improve financial stability through smart budgeting, timely prepayments, and responsible credit planning for long-term financial health.

UPI QR codes surge to 67.8 crore, doubling in just 18 months

UPI in India surpassed 67.8 crore QR codes, enabling 143.3 lakh crore in transactions in H1 2025, a 23% increase y-o-y. 

THESE 5 premium credit cards can lift your lifestyle a great deal

Premium credit cards are high-end cards which target wealthy individuals who require concierge service and who have a higher income   

Top 10 mutual funds to invest in November 2025

We have chosen two schemes from five different equity mutual fund categories - aggressive hybrid, large cap, mid cap, small cap and flexi cap schemes which we believe should be enough for regular mutual fund investors. There are caveats: read till the end to ensure you are picking up the best scheme for you.

Many mutual fund investors are prisoners of KYC. Here's how to free yourself.

Only if your KYC status is validated can you can invest freely across mutual funds. If it is merely verified or registered, you can continue investing with your existing mutual fund houses, but not new ones.

What single malt whiskey can teach you about the spirit of active investing

Managing a portfolio of stocks that strives to beat its benchmark across market cycles isnt too different from producing consistent, high-quality batches of whisky at a single malt distillery despite changes in the weather and raw materials.

A 10-year SIP in mid-cap MFs can deliver alpha returns

Investors should consider a 10-year horizon for mid-cap mutual fund SIPs, as this timeframe offers the highest probability of achieving 10-15% annualised returns. A study revealed mid-cap funds delivered an average of 17.4% over a decade, outperforming large-cap and small-cap funds. Wealth advisors suggest a 40% allocation to mid-caps for moderate risk and alpha generation.

Turn small SIPs into Rs 1 crore: Power of compounding and incremental investing explained

Financial experts advise increasing investment amounts as income rises. This strategy, known as incremental investing, significantly boosts wealth accumulation. Even a modest annual increase in contributions can lead to substantial gains. This approach also helps reach long-term financial goals much faster. It expands the principal on which returns are earned, accelerating growth.

Sebi's proposal of performance-linked mutual fund fees can help investors, but is it workable? Here's what you should know

In a groundbreaking proposal, India's Securities and Exchange Board (Sebi) is set to reform mutual fund regulations. One of the standout suggestions is the implementation of performance-based expense ratios for asset management firms. This progressive step is intended to match the interests of fund managers with the financial successes of investors.

How did mutual fund managers favourite stock portfolios of 2015 to 2024 perform? Are MF managers stock picks worth betting on? Find out

In 2024, fund managers' leading stock selectionsexperienced a decline, with their portfolios down 2.6% compared to the BSE 500 TRI's impressive 6.6% uptick. Notably, Cyient's substantial drop weighed heavily on performance. Yet, companies like Larsen & Toubro and Indus Towers cushioned the fall, showcasing resilience in the market.

Top 6 stocks mutual fund managers have been consistently buying in 2025 and why

Indian mutual fund managers are showing sustained interest in six select stocks. These companies have seen increasing fund holdings over the past four quarters. The article details the methodology used to identify these favored stocks. Investors can explore these opportunities, but due diligence is advised. The focus is on companies demonstrating strong fundamentals and growth potential.

Depositing large cash amount in your bank account? It may trigger a tax notice Here's how to avoid

Banks and cooperative banks are required to report to the Income Tax Department if someone deposits 10 Lakh or more during a single financial year.

How many mutual funds should you really own?

Does owning more mutual fund schemes truly diversify your portfolio, or just clutter it? Financial planners weigh in on how to build a focused, effective mix.

A new blueprint for life post retirement: What PFRDA is changing

Indias pension regulator is rethinking how retirement savings convert into steady income, with new models that link contributions to outcomes and offer inflation protection.

Insurance claim rejected over a 15-year-old surgery; is it justified?

Health insurance exists to protect families in times of crisis not to penalize them for unrelated medical histories from decades past.

EPFO Employee Enrollment Scheme 2025 launched: What is it, how will it help workers in India? All you need to know

The EPFO Employee Enrollment Scheme 2025 has been made effective from November 1, and aims at encouraging employers to voluntarily declare and enroll eligible employees.