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Should you use your annual bonus for prepayment of an outstanding home loan?
For a 30 lakh home loan, utilizing an annual 2 lakh bonus through lump-sum prepayments can save significant interest and reduce tenure. Early repayments enhance financial flexibility, while higher EMIs offer a structured but less flexible approach.
A 75,000 monthly salary can stretch further with smart expense planning, disciplined savings, SIP investments and controlled lifestyle spending to build long-term financial stability.
Credit utilisation ratio: How CUR impacts your credit score and what you can do to improve it
Unlock financial control with a clear understanding of the credit utilisation ratio, a key factor that shapes your credit score, influences lending decisions, and supports strong financial health through disciplined credit use and timely repayments.
8th pay commission: The panel is set to meet stakeholders, unions, and employee representatives across states in June and July 2026. Check here for the full list of cities with planned visits in the coming months
REITs and InvITs allow you to invest in real estate and infrastructure properties like a stock. By purchasing the units of these instruments, you can directly own a piece of land without spending lakhs and crores of money.
DA: Why is Dearness allowance important? Why does Centre form a pay commission every 10 years?
The 8th pay commission has called meetings with various employee groups to gather information before it makes recommendations. We explore why Dearness allowance (DA) important and why the Centre forms a pay commission every 10 years
Personal loan on your mind? Smart planning before taking one can save your wallet
Smart borrowing starts with careful planning before taking a personal loan. It will help manage EMIs, interest rates, credit score and repayment capacity for stronger financial stability and disciplined debt control.
A Bengaluru couple recently hosted a destination wedding at Jim Corbett National Park and shred the costs associated with it. Advocating for financial prudence, they detailed their expenses in an Instagram video.
The 8th Pay Commission has confirmed meetings in Bhubaneswar on 67 July. Stakeholders are required to submit the prescribed request forms and memoranda before key consultation deadlines. Check the details carefully before submitting the forms.
Could 2 lakh really buy a comfortable, and stress-free international holiday for a vegetarian Indian couple in 2026? ChatGPT compared Thailand, Vietnam, Bali, Malaysia and Sri Lanka factoring in flights, Airbnbs, caf culture, shopping, vegetarian food and hidden costs.
MCX gold June futures were 0.10% up at 1,58,220 per 10 grams. Gold prices have been under pressure since the US-Iran war started on 28 February. International gold prices have fallen by up to 15% since the start of the Middle East conflict.
Sebis salary-to-mutual fund proposal could change how Indians invest
Sebis proposal allowing salary deductions for mutual fund investments could boost saving discipline, reduce behavioural spending leakage and accelerate MF adoption.
What should you check while investing in sectoral and thematic funds? Key risks to look out for
Unlike diversified equity funds, these schemes have a concentrated portfolio, making it important for investors to thoroughly analyze risk factors before investing.
Why retail investors chasing higher returns in bonds are running into hidden risks
As falling fixed deposit rates push Indian savers toward corporate bonds and online debt platforms, many retail investors are underestimating the credit, liquidity and product risks behind high yields.
Eight midcap stocks, including Indian Overseas Bank, RVNL, and Adani Total Gas, were avoided by mutual funds in March 2026, with Ventura largely calling decisions prudent except for MCX.
ITR filing AY 2026-27: You could legally reduce tax on half your earnings Heres who is eligible
Section 44ADA simplifies tax filing for self-employed professionals by allowing them to treat half of their income as profit, reducing paperwork and taxable income. Eligible professionals include doctors, lawyers, and freelancers, who can file ITR-3 or ITR-4 under this scheme.
Why insurance industry needs a distribution revolution, not just a digital one
Indias insurance industry has become faster and more digital, but low penetration shows trustnot accessremains the biggest challenge for meaningful financial protection.
EPFO subscribers may soon withdraw funds directly to their bank accounts via UPI, eliminating employer sign-off and processing delays. Labor Minister Mansukh Mandaviya announced the initiative, which allows instant QR code transactions at ATMs, benefiting over seven crore members.
The IRTSA has proposed distinct fitment factors for various employee levels under the 8th Pay Commission, suggesting a range from 2.92 to 4.38. This could lead to significant salary increases, with some employees seeing hikes exceeding 400%.
Family feud over inheritance? Heres how to avoid years of litigation
When a business patriarch dies without a Will or succession plan, disputes can quickly spiral. Experts explain how families can avoid years of costly litigation.
Rising yields put pressure on gilt funds, experts recommend tactical approach
Gilt funds invest in government securities. These funds are sensitive to interest rate changes. Rising yields have recently led to weak returns for gilt funds. Investors should consider gilt funds when bond yields are high. These funds are not ideal for those seeking stable returns or high liquidity. Understanding interest rate cycles is key for gilt fund investors.
Atal Pension Yojana: Scheme, eligibility, pension payout, tax benefits of APY, explained
The Pension Fund Regulatory and Development Authority's Atal Pension Yojana is a government initiative that seeks to create a universal social security system providing pension cover for the poor, underprivileged, and unorganised sector workers.
The truth about NRI deposits: India is not losing them, says ClearTax's Archit Gupta
As concerns about NRIs withdrawing money from Indian bank accounts have been gaining traction recently, here's a closer look at the numbers and what they mean.
Employees provident fund: For international workers and those working in a foreign country, here's what the EPFO's Social Security Agreement means. We explain how it works and other key FAQs answered
Equity vs debt mutual fund taxation: How your MF gains are taxed in India
Mutual fund taxation in India varies by fund type and holding period. Equity funds face different tax rates for short-term and long-term gains, while debt funds purchased after April 1, 2023, are taxed at income tax slab rates. Details here.
Sweep-in fixed deposit facility: A smart way to partially withdraw from FD and earn higher returns
A sweep-in facility is a feature that helps you earn better returns on excess funds lying idle in your savings or current account. Under this facility, any sum in your savings account above a pre-set limit is automatically transferred into an FD.
The 8th Pay Commission will visit Lucknow on June 22-23 to gather input on salary structures from stakeholders. Chaired by former SC Justice Ranjana Prakash Desai, the commission will hold consultations across India.
How are profits from intraday and Futures & Options trading taxed in India? Explained
In India, intraday trading profits are taxed as speculative business income, while Futures & Options trading profits are non-speculative. Here are the income tax rules.
Can you still claim money from a dormant bank account? RBI says yes here's how
Forgotten savings still belong to you. Dormant bank account rules in India explain how to recover unclaimed deposits from the RBIs DEAF fund with simple verification and KYC steps. Understand the rules, build knowledge and take steps to reclaim your funds.
NRI sending money to parents in India: Are overseas transfers taxable?
Indians working abroad can send money home tax-free to parents, as long as they are classified as specified relatives. While remittances are not taxed, income from investments made with that money may be taxable. Details here.
These 5 small cap mutual funds deliver over 20% annualised returns in 3 years. Do you own any?
Five small cap mutual funds delivered over 20% annualised returns in the last three years, led by Bandhan Small Cap at 29.1%. Passive small cap index funds also posted strong gains, while several popular active small cap schemes remained laggards with single-digit returns.
Skip the paperwork with these must-have government apps in India that simplify digital payments, travel, transport services, and secure document storage for a faster and smarter digital lifestyle.
MSMEs need more than loans; they need data-driven credit pathways
MSMEs face challenges in obtaining loans due to informal income records. Data-driven lending utilizes bank statements and AI to assess creditworthiness, enabling personalized loan products. This approach supports financial inclusion, ensuring that lenders understand repayment capabilities.
Can you afford a Japan trip on a 10 lakh salary? I asked ChatGPT and Gemini
I asked ChatGPT and Gemini if I can afford to travel to Japan on a yearly salary of 10 lakh. The chatbots outlined a blueprint for me to follow.
ITR filing 2026: 5 key points that first-time taxpayers should know
Filing an income tax return for the first time can be confusing due to various forms and compliance rules. It's vital to report all details correctly to avoid delays and penalties. Here are some points that one should keep in mind while filing return.
What does a credit score enquiry really mean for you?
A lender just accessed your credit report. Before you panic or ignore it here's what a credit enquiry actually means for your score and your financial life.
Who are Indias biggest mutual fund managers? Check the top 10 names
ICICI Prudential Mutual Funds Sankaran Naren emerged as the top mutual fund manager by assets under management in the March 2026 quarter, overseeing Rs 1.59 lakh crore. The list of top fund managers managing over Rs 1 lakh crore AUM also included Rajeev Thakkar, Chirag Setalvad, Amit Ganatra, Shreyash Devalkar, and Sailesh Raj Bhan.
From petrol and milk to daily essentials, households are feeling the impact of rising prices due to the war in West Asia. But which top 5 products exactly got costlier and cheaper in April 2026? Lets explore this.
As petrol and diesel prices rise again, economists warn the impact could soon spread beyond fuel pumps. From vegetables and groceries to transport, delivery services and manufacturing costs, higher diesel prices are expected to push inflation higher across multiple sectors of the economy.
8th Pay Commission fitment factor demands spark hopes of a major salary rise, with proposals from 3.0 to 4.0 set to reshape pensions, allowances and minimum basic pay.
Explained: What are REITs and how do they work? Heres what investors should know
Investors can now gain real estate exposure through REITs, an alternative to direct property purchase. These trusts pool funds to invest in income-generating properties like offices and malls. REITs offer potential returns between fixed deposits and equities, with yields ranging from 6% to 9%. They distribute a significant portion of rental income to unit holders, providing periodic payouts.
Cashless health claim approved at admission, rejected at discharge? Heres why
Irdais 1-hour cashless approval rule has sped up claim decisions, but many policyholders now face sudden rejections during treatment or at discharge.
Mutual funds reduced their exposure to private banks for the second consecutive month in April, driven by tactical rotation and near-term earnings and margin concerns. Experts suggest this is a short-term adjustment rather than a structural shift, with banking sector funds experiencing recent declines but offering long-term accumulation opportunities.
Gold and silver prices on MCX declined due to profit booking amid rising inflation concerns triggered by escalating US-Iran tensions. Silver prices fell more than 1% to 2.73 lakh per kilogram on MCX, pressured by a stronger US dollar and elevated crude oil prices
Insurance Ombudsman: Should policyholders be allowed professional representation?
A Karnataka High Court ruling allowing legal representation before the insurance ombudsman has reignited debate over whether the systems promise of speedy dispute resolution comes at the cost of fairness for policyholders.
ITR filing 2026: How to e-verify your return? 5 key points to know
As taxpayers prepare to file income tax returns, e-verification is essential for validity. Failure to e-verify may result in penalties or delayed refunds. Details here.
A small savings scheme provided by India Post, Kisan Vikas Patra is offering 7.50% interest this quarter. Over a full term, it promises to double your investment. Here's how investors can apply for KVP at your nearest post office
Freelancer tax guide: How to report overseas client income and pay taxes in India
Freelancers in India earning from foreign clients must report this income on their tax returns, as it is fully taxable. They can opt for presumptive taxation under Section 44ADA if conditions are met. Details here.
Employees Provident Fund: Here's how EPF subscribers can file a grievance or complaint with EPFO, the retirement fund body. We take you through the step-by-step process and social media alternatives.
Taxpayers can log into the official e-filing portal for assessment year 2026-27, and the tax department has issued clarifications. So, here are the precautions you should take while filing your income-tax returns (ITR):
Using credit card to buy property abroad? Heres why you may attract ED scrutiny
Individuals making overseas property payments via international credit cards should be aware of FEMA regulations. Such transactions may invite scrutiny, especially if not routed through authorised channels. Details here.
The Life Insurance Corporation of India (LIC) is launching two New Jeevan Sathi joint life insurance plans Single Premium and Limited Premium in June 2026. Check eligibility, policy features, benefits and more
Can recovery agents threaten or harass you? Here's what the new RBI rules say no excessive calls
RBIs 2026 recovery rules aim to curb harassment and strengthen borrower protection, with strict action against intimidation by banks and NBFC agents. Recovery agents cannot harass borrowers, while borrowers must also understand and fulfil their financial responsibilities.
20/4/10 rule explained: How this budgeting formula can prevent car loan stress
Hooked on a shiny car but worried about loan stress? Start with the 20/4/10 rule to protect your finances: 20% down payment, 4-year loan, and total car costs under 10% of your monthly income. Read on to understand the basic concepts before you lock in with a fresh car loan EMI.
Rupee near record low How it impacts your daily expenses, investments, travel, and EMIs
If you feel that weaker rupee is just a macroeconomic factor and staying behind the picture, here's a reality check. Here's how it could impact your daily life, from investments, travel, to your EMIs.
8th pay commission: Here's how central government employees, pensioners, representative groups, unions and stakeholders can submit their feedback to the 8th CPC online. Check the step-by-step guide here
Indians sending money abroad for various purposes must comply with new income tax forms 145 and 146, replacing Forms 15CA and 15CB. Details here.
Top 5 silver ETFs by lowest tracking error that closely mirror silver prices
Tracking error is one of the most important factors to check while choosing a silver ETF. It shows how closely an ETF follows the actual movement of silver prices. A lower tracking error means the ETF is doing a better job in mirroring silver prices.
As petrol and diesel prices have risen by 8 per litre in the last ten days crossing the 100 per litre mark in Delhi I asked ChatGPT, which would be a more affordable means to commute daily from Delhi to Gurugram.
The job market is changing; AI is prompting me to adapt by enhancing my skills and expanding my network. Check how ChatGPT helped me improve my job search.
8th Pay Commission updates: Delay in wage revision could increase govt's fiscal costs, says expert
Momentum around the 8th Pay Commission builds as consultations expand across states, with growing focus on salary revision, pensions, HRA and fiscal planning for government employees.
Paytms Pocket Money feature allows teenagers to pay without bank account
The 'Pocket Money' feature from Paytm enables teenagers to use UPI payments while parents maintain control over spending. With limits on transactions and monthly spending, it fosters responsible money management and provides real-time visibility into a teen's spending patterns via the Paytm app.
NPS vs NPS Sanchay: Key differences between the two retirement schemes explained
The National Pension System (NPS) is a popular retirement scheme in India. PFRDA introduced NPS Sanchay for informal sector workers, differing from regular NPS in eligibility and structure.
Sebi has uncovered a stock manipulation scam involving unregistered finfluencers who misled retail investors via social media, earning over 20 crore in illegal profits. The case highlights rising risks of social media stock fraud and the need for stronger investor awareness.
HDFC Flexi Cap among 7 mutual funds that multiplied investors money up to 17x in 20 years
The hidden cost of carrying your home loan
Equity investing will continue to create wealth into the future. But when the spread between borrowing costs and expected returns narrows, balance sheet strength is just as important as portfolio returns, if not more.
Direct stocks or mutual funds? Expert shares strategy to achieve Rs 7 crore goal in 12 years
An investor's mutual fund portfolio was reviewed, revealing a need for better alignment with long-term goals. Experts advised shifting focus from direct equities to mutual funds, increasing SIPs annually, and diversifying beyond momentum-based index funds to achieve a Rs 7 crore target.
If you purchased gold, how did the import duty change affect your gold purchase locally? The import duty prices are included by the jeweller in the gold prices, which also fluctuate based on other conditions.
The rising costs of everyday goods are hitting households hard, with global shipping bottlenecks and increased fuel prices as key culprits. Experts warn that this inflationary pressure will soon affect everything from grocery bills to loan interest rates.
5 powerful ways to improve your SIP performance and build long-term wealth faster
One of the biggest mistakes people make while doing SIP is sticking to the same amount for years. When inflation is rising, lifestyle changes, and salary increases, then you should also consider increasing your SIP contribution.
SIP can help you build a 1 crore education corpus for your child through early compounding heres how
SIP investing for your childs education can build a 1 crore corpus through the power of early compounding. Starting an SIP early reduces the monthly burden and ensures longterm financial security for your child.
Top NPS equity funds offer up to 15% returns in 3 years. Heres the list
Can salary-linked SIPs transform mutual fund investing for salaried Indians? Experts weigh in
Sebi has proposed a framework allowing salaried employees to invest in mutual funds through salary deductions, similar to EPF and NPS. This initiative aims to simplify investing for first-time users, potentially reducing SIP stoppages and boosting monthly inflows by offering a disciplined, automated savings channel.
Gold and silver prices gained on 25 May, with gold reaching 160,060 per 10 grams and silver rising to 276,830 per kg. The rally was supported by a weaker dollar and lower crude oil prices amid growing optimism over a potential US-Iran peace deal.
Best gilt mutual funds to invest in May 2026
Gilt funds are gaining traction among aggressive debt investors. Advisors suggest these funds could deliver strong returns if the RBI cuts interest rates. Gilt funds invest in government securities, carrying no credit risk but high sensitivity to interest rate changes. Investors should be aware of the risks and have a long-term view.
Can NRIs get Indian credit cards? Heres what banks dont tell you
Premium Indian credit cards can offer NRIs strong rewards, travel perks and family supportbut forex fees, KYC norms and eligibility rules can complicate the math.
Higher NPS returns: The PFRDA has sets up a panel to explore adding more asset classes to the national pension scheme to improve returns for pensioners, according to Chairman S Ramann. Here's all we know
How to move your PPF account between banks or post offices; Can it transferred to another person?
PPF account holders can transfer their accounts between banks and post offices without losing continuity. However, it cannot be transferred from one individual to another. Details here.
EPFO: What is scheme certificate, why do EPF members need it, and who is eligible? Top FAQs answered
EPFO: The Employee Provident Fund Organisation issues scheme certificate to EPF account holders. Here's why you may need it, when it is issued to members, who is eligible and other such FAQs answered
Buying a flat? Heres what no EMI till possession actually means
Real estate developers offer 'no EMI till possession' schemes to attract buyers, allowing them to defer home loan payments until property completion. Here's how it works.
PPF vs SIPs: Here's how much corpus an investment of 2,000 per month for 30 years give you?
PPF vs SIPs: Planning your long-term investments? Take a look at how much corpus is generated from an investment of 2,000 per month for 30 years with the public provident fund and in mutual funds through systematic investment plans.
What is tax residency certificate and how to receive it in India? Details here
Indian residents earning income abroad and non-residents earning in India may face double taxation. To avoid this, double taxation avoidance agreements exist. Tax residency certificates are required to prove residency and claim benefits.
8th central pay commission: Here's how employee groups want pay structures to be changed, explained
8th central pay commission: Here's how the three big employee groups the NC-JCM, AIDEF and Maharashtra Old Pension Organisation, want central government employees' pay structures to be changed. We explain
How to update demat account details online? Complete guide for investors
Investors should keep their demat account information updated, especially KYC details. Changes in personal information must be promptly reported to avoid compliance issues. Here's how to update demat account details online.
How to redesign a 12 crore portfolio for clarity and long-term stability
A 42-year-old entrepreneur with 12 crore across equity, real estate and debt wants simplicity. Heres how to declutter holdings, align with goals, and structure surplus wealth smartly.
Dearness Allowance: Tripura has declared a 5% increase in the DA component of basic pay for state government employees, hiking salaries and pension payout of retirees from 1 April. Here's all we know
Switching brokers or gifting stock? Heres how to transfer shares to a new demat account
Investors may transfer shares between demat accounts for various reasons, such as switching brokers or gifting. Transfers can be done either through the online or offline method.
Gold ETF vs EGR vs digital gold: Whats the smarter way to invest in yellow metal?
There are several ways to invest in gold, including Gold ETFs, Electronic Gold Receipts, and Digital Gold. But which option is best for regularly investing your surplus monthly income? Lets explore.
