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How to ensure your retirement savings sustain you through inflation, risk and other uncertainties
Smart planning for your retirement is part of fiscal responsibility for the future years. Here's how to ensure your retirement savings can sustain you through cost of living, medical inflation and other risks.
SIP and SWP: From auto-debits to regular deposits Here's what investors should know
While young investors are considering entering mutual funds, senior investors are looking to make the most of their investments. Here's an explainer on SIPs and SWPs, how they differ from each other, the benefits and considerations.
Zero tax liability? 5 reasons filing nil income tax return in FY 2025-26 is a smart move
Smart filing builds compliance strength and financial credibility, even with zero tax liability. Filing a nil income tax return helps secure refunds, loans, visas and carry-forward benefits.
New labour laws: Do changes impact your in-hand salary and tax regime? We ask experts
India's new Labour Codes focus on salary structure and long-term savings, according to experts. We ask them if it will also impact your in-hand salary and preferred tax regime. Here's are your questions answered
Smart borrowing for a new car begins with carefully comparing car loan interest rates. In April 2026, leading banks offer competitive rates that vary by interest charges, fees, credit score impact and repayment terms across the country, making comparison essential before choosing any loan offer.
A car lease in CTC helps reduce your tax outgo. Here's how
Car lease fits within the definition of wages under the new labour codes, unlike HRA, LTA, or variable pay, which makes it easier for employers to include it as part of overall compensation.
Short-term pain, long-term gain: what the numbers say
A sharp correction has rattled investors, but five-year gains, currency effects and global comparisons suggest the damage may be less severe than it looks.
ITR filing 2026: 9 deductions salaried individuals can avail to reduce capital gains tax
ITR Filing: Salaried taxpayers will be able to file their taxes once they receive their Form 16 by 15 June, 2026. As we enter the ITR filing season, it is important to know that the tax laws of India still allow you to claim deductions against capital gains.
Equity mutual funds see renewed inflows in March, led by five schemes attracting nearly Rs 100 crore each, highlighting selective investor interest across domestic, international, and alternative strategies.
The major consultation phase opens as the 8th Central Pay Commission meetings move into stakeholder engagement across Delhi and Maharashtra. These interactions will shape revised pay structures for government employees and pensioners in the country.
SBI WhatsApp Banking: How to register yourself, check balance, get mini statement and more
To use WhatsApp Banking services of SBI, you need to have your registered number on the bank linked with WhatsApp. Here is how you can register on WhatsApp Banking services and use the benefits.
Planning to transfer equity portfolio in family accounts? Heres the process and tax rules
Transferring equity within family accounts involves specific procedures and tax implications heres a quick guide to the rules, costs, and key considerations.
JioBlackRock Flexi Cap Fund exits Swiggy, 20 other stocks; adds ICICI Pru AMC and 9 more in March
JioBlackRock Mutual Funds Flexi Cap Fund exited Swiggy and 20 other stocks in March, while adding ICICI Prudential Asset Management Company and nine more. The fund also increased exposure to key largecaps, reflecting active portfolio reshuffling amid evolving market opportunities and valuation dynamics.
ESG data is reshaping Indias credit decisions: What borrowers must know
Credit decisions are shifting towards incorporating ESG data as essential for assessing borrower risk. The RBI's new framework encourages banks to integrate ESG factors into lending practices, impacting MSMEs' access to credit and necessitating robust ESG data reporting.
Senior Citizen FD Rates April 2026: SBI, PNB Bank of India and other PSU banks offer up to 7.25%
Senior Citizen FD Rates for April 2026 reveal that top PSU banks are offering up to 7.25%, highlighting safe, stable income options for retirees amid evolving economic conditions and serious geopolitical problems related to the US-Iran war.
SSY investment: The minimum investment in this scheme is 250 per year, while the maximum ceiling has been capped at 1.5 lakh per year. SSY rate of interest is currently 8.2% per annum.
Mutual funds significantly reduced their cash holdings in March. This move indicates fund managers actively invested in the market during a period of correction. Despite global uncertainties, this strategy aimed to leverage potential investment opportunities. Several asset management companies deployed substantial cash reserves. This shift reflects a proactive approach to market dynamics.
Small, mid and largecap mutual funds see sharp inflow surge in March. Is investor confidence rising?
Equity mutual funds saw a significant surge in monthly inflows during March, despite market downturns. This rise reflects a shift in investor behavior, with corrections now viewed as buying opportunities. Robust SIP flows and sustained confidence in India's growth outlook are key drivers behind this trend.
12-crore stock scam: Supreme Court AOR warns of rising fraud tactics; 5 tips to stay safe
A 12 crore stock scam exposes the rising cyber-fraud risks in the country, as a Supreme Court AOR warns that awareness remains the strongest defence against increasingly sophisticated financial traps.
Best flexi cap mutual funds to invest in April 2026
Flexi cap mutual funds offer fund managers the flexibility to invest across market capitalizations and sectors, making them suitable for moderate investors seeking long-term wealth creation with a five to seven-year horizon.
How to get 2.17 crore from your 2,000 SIP investment? CA explains step-up SIP strategy
A step-up SIP is an investment strategy where you increase your SIP contributions in mutual funds by a fixed amount or percentage at regular intervals, for example every year.
Income tax deadlines for FY27: From ITR filing to TDS certificate, key dates you should remember
Income tax calendar: Income tax last dates are not limited to just the ITR filing deadline, and taxpayers have to keep a tab on other payments like TCS, TDS, advance tax and more.
Kisan Vikas Patra: Here's how long it takes to double your money
Kisan Vikas Patra is a 115-month small savings scheme offered by India Post and some banks, that doubles your investment at end of tenure. It has a minimum investment of 1,000. Here's all you need to know
SIPs facilitate monthly contributions, promote financial discipline, and offer other fiscal benefits compared to lump-sum investments. Here's a look at why you should consider SIP for investment in mutual funds
With Indian households holding significant gold assets, alternatives such as Gold ETFs and Digital Gold are worth exploring. Here's a look at the features and tax implications, and other important details.
Can a non-salaried professional declare 50% income as profit under presumptive tax?
Under Section 44ADA of the Income Tax Act, 1961, an assessee opting for presumptive taxation is not required to maintain books of account, provided income is declared at 50% or more of gross receipts
Borrowers maintaining a good CIBIL score enhance their prospects of securing favourable home loan terms, resulting in significant time and cost savings.
UP-RERA eases property transfers in the state: What the new rules mean for buyers?
The UP-RERA amendments enhance buyer protection by allowing complaints against unregistered projects. It also eases the process of property transfers. Here's how.
The new labour laws, which were implemented in November 2025, and came into effect on 1 April, are quietly reshaping how salary is credited in India. According to the government, the restructuring will result in employees having more retirement savings in the long-term.
Fixed deposits are a popular low-risk investment choice, offering guaranteed returns and higher interest rates than savings accounts. Here's how much interest rates top private banks of India are offering on their FDs.
Premier Explosives, Shankara Buildpro among top 6 unique stocks held by mutual funds in March
Unique stocks in mutual funds are those held by only one fund house. In March, around 234 such stocks were identified, with select picks like Marathon Nextgen Realty, Premier Explosives, and others reflecting concentrated conviction by funds such as Quant, HDFC, and Bandhan.
Equity mutual funds posted strong weekly gains of up to 13%, with 608 out of 615 schemes ending in positive territory. International, thematic, and sectoral funds led performance, reflecting broad-based market recovery and strong investor participation across diversified equity strategies.
11 equity mutual funds witness AUM fall by over Rs 5,000 crore in March. Check details
Equity mutual funds witnessed sharp AUM declines in March amid market volatility, with 691 of 728 funds affected. Major schemes from HDFC Mutual Fund, SBI Mutual Fund, and ICICI Prudential Mutual Fund saw heavy outflows, reflecting investor caution and market-driven erosion.
PPF Income Strategy: With the right amount of discipline, you can grow a corpus of over 1 crore using PPF and get 61,000 monthly as pension from the interest, without even touching the principal.
TDS on bank interest explained: Who is liable and how much gets deducted under new income tax rules?
The Income Tax Act, 2025, effective April 1, maintains existing TDS thresholds on bank interest. The I-T department clarified the definition of banking company and the rules around TDS. Here are the prescribed limits and how much TDS gets deducted on bank interest income.
8th Pay Commission update: The fitment factor is the multiplier the new CPC uses to calculate the new basic pay. The 8th Pay Commission will take into account several factors, including inflation, to determine the fitment factor.
Margin trading is growing fast. The risk is growing faster.
Margin Trading Facility exposure has surged to 1.2 trillion. Individually rational borrowing can become collectively dangerous and when leverage unwinds, even prudent investors will feel the shock.
Why gold has not played its safe-haven role amid West Asia war
Gold was expected to thrive on war and uncertainty in 2026. Instead, rising oil, higher yields and a stronger dollar knocked it off course. Heres why the hedge faltered and what lies ahead.
Provident Fund: Step-by-step guide to withdraw your PF online or offline, the types of withdrawal, what forms to use, limits to partial withdrawal and rules of pension withdrawal. All you need to know
The 8th Pay Commission is highly anticipated with fitment factor recommendations expected to significantly increase salaries for nearly 50 lakh central government employees. Here are the key FAQs answered
UPI payments are often sent using a linked phone number, and it is very easy to mistype the same on your phone keyboard. By the time you realise, the money is gone.
The Income Tax Department has launched the new TRACES 2.0 portal to enhance TDS compliance. The user-friendly interface allows for streamlined navigation, enabling users to access Form 26AS, TDS certificates, and track credits efficiently.
8th Pay Commission latest updates: Currently, there are three categories of consultants that the government hiring notification has listed. See below to find out all about the government hiring.
20 lakh CTC? Here's how much your take home salary will be under new labour laws
Take-home salary changes: The new labour laws are reshaping how your salary is credited each month. The government said that the primary reason for this change was to push more funds into long-term savings
ICICI Prudential Mutual Fund has declared payout under its Income Distribution cum Capital Withdrawal (IDCW) option for its Medium-Term Bond Fund. Check record date, payout amount, availability and other details
Debt mutual funds record big outflows of nearly Rs 3 lakh crore. Are safer options losing appeal?
Debt mutual funds saw a massive Rs 3 lakh crore outflow in March. This sharp reversal followed inflows in February. Liquid funds and overnight funds faced the biggest redemptions. Experts attribute this to quarter-end institutional adjustments and profit booking. Assets under management for debt funds also declined significantly. This trend is seen as a temporary liquidity adjustment.
Understanding how interest on fixed deposits is compounded helps you maximise returns through strategic planning, tenure selection, and choosing the correct institution as per your requirement.
While all banks have their own fixed deposits, small finance banks often offer significantly better FD interest rates to their customers. Here are the best FD interest rates of 5 most popular small finance banks in India.
Mutual fund NFOs saw strong traction in March, with 24 launches collectively raising 3,985 crore, led by HDFC MFs index fund contributing the largest share.
Stock market correction: Have domestic inflows changed the rules for Indian equities?
For years, foreign institutional investors (FIIs) drove market direction. Now, domestic institutional investors (DIIs), backed by mutual fund and SIP inflows, have taken that role. This shift has quietly changed how markets behave.
MFs gain during market pain: Net flows zip 56% in march
In March, equity mutual fund inflows soared to their highest level in eight months, showcasing a resilient commitment from domestic investors even amid market turbulence. Their increased investments played a crucial role in balancing out the recent foreign fund exits. Moreover, contributions via Systematic Investment Plans (SIPs) surged to unprecedented figures.
8th Pay Commission Basics: A look at its composition, functioning and latest updates
8th Pay Commission updates outline composition, functioning and consultation process for salary and pension revision framework for central government employees and pensioners in the country.
New labour code: What changes for your earned leave and encashment under the latest laws explained
The OSH Code introduces significant changes to leave policies, allowing workers to carry forward up to 30 days of leave and encash excess leave. Here are more details about the provision and who it applies to.
Mutual fund SIP stoppage ratio surged to 100% in March as discontinued SIPs outpaced new registrations, even though monthly SIP contributions hit a record Rs 32,087 crore. Overall investor participation remained strong, with equity inflows extending their multi-year positive streak and SIP accounts nearing 9.72 crore, reflecting sustained long-term investment appetite.
Want to invest 1 lakh? Here's how FD laddering will help you maximise gains
Bank FD laddering is a technique that involves buying multiple FDs maturing in different time periods. Personal Finance experts suggest that investors seeking to invest in bank fixed deposits for a longer period may consider a ladder strategy.
General Provident Fund or GPF is the provident fund meant exclusively for government employees. Under this compulsory savings scheme, every government employee must contribute a portion of their pay to save towards their future.
Gold ETF inflows drop 57% to Rs 2,265 crore; silver ETFs see second straight month of outflows
Gold ETF inflows fell 57% to Rs 2,265 crore in March, while silver ETFs posted outflows for the second consecutive month, AMFI data showed. Commodity ETFs had a rough month, with all 43 ending in the red and silver-heavy schemes leading declines amid a global selloff in precious and industrial metals.
DA hike delayed for first time in a decade Will it be skipped or deferred? Experts weigh in
Uncertainty surrounds the DA hike delay. Experts describe it as a procedural deferment rather than a cancellation, adding that arrears are expected and that the inflation-linked revision will likely be implemented retrospectively across central government salaries and pensions.
How to pay zero income tax on 15.85 lakh salary under new tax regime
Meal vouchers, NPS and smart salary structuring can legally bring your taxable income below 12 lakh and reduce your tax to zero
Mutual fund SIP inflows rise 8% to hit all-time high of Rs 32,087 crore in March
Mutual fund SIP inflows reached a record Rs 32,087 crore in March. Equity fund inflows surged by 56%. Flexi cap funds led the equity category. Conversely, debt mutual funds experienced a significant outflow of Rs 2.94 lakh crore. Liquid funds saw the largest redemptions. This marks a notable shift in investor sentiment.
March AMFI Data: Equity mutual fund inflows soar 56% MoM to Rs 40,450 crore; flexicaps top charts
Indian equity mutual funds saw a significant surge in March, with inflows climbing 56% to Rs 40,450 crore, driven by strong performance in flexicap, smallcap, and midcap categories. Conversely, debt funds experienced a substantial outflow of Rs 2.94 lakh crore, while hybrid funds also saw a net outflow.
Quant Small Cap Fund saw focused buying in financials and smallcaps in March, adding Safari Industries and avoiding any portfolio exits.
Samir Arora-backed Helios Flexi Cap Fund adds nearly 13 lakh shares of HDFC Bank, exits IOC & HPCL
Samir Arora-backed Helios Flexi Cap Fund significantly increased its stake in HDFC Bank, adding nearly 13 lakh shares amidst a price decline. The fund also made a complete exit from Indian Oil Corporation and Hindustan Petroleum Corporation. Additionally, it boosted holdings in eight other stocks and introduced new ones like BSE and Solar Industries India.
Axis Mutual Fund launches defence index fund; NFO opens 10 April
Axis Nifty India Defence Index Fund NFO opens for subscription, tracking defence sector index amid rising global and domestic defence spending and policy support across the country.
Best tax saving mutual funds or ELSS to invest in April 2026
Taxpayers looking to save income tax under Section 80C can consider Equity Linked Savings Schemes (ELSS). These tax-saving mutual funds offer potential for higher returns over the long term and have the shortest lock-in period of three years among 80C investments. However, ELSSs carry higher risk as they invest in stocks and do not guarantee returns.
PPFAS's Rajeev Thakkar reveals how they bought the March dip.
PPFAS has been using volatility to its advantage, deploying wherever it finds opportunities and selling wherever the opportunity comes, says its CIO Rajeev Thakkar
PFRDA launches NPS Swasthya, enabling subscribers to use retirement funds for healthcare
Powered by Medi Assists Maven infrastructure, the initiative enables eligible NPS subscribers to access a portion of their retirement corpus for hospitalisation expenses, while continuing to benefit from long-term market-linked growth.
Short-term debt funds offer opportunities as yields rise
Rising bond yields, influenced by elevated oil prices and West Asia tensions, present investment opportunities in debt schemes. Money managers suggest short-term debt funds and long-term government securities are best positioned to benefit. The Reserve Bank of India's stance on interest rates and inflation is expected to keep yields elevated, favoring shorter-maturity investments.
Corporate FD rates in April 2026: Bajaj Finance, Shriram Finance, Mahindra Finance among top NBFCs
Corporate fixed deposit rates in April 2026 offer competitive returns from leading NBFCs, with varied tenures, senior-citizen benefits, and key safety features for stable, predictable investment planning.
NFO Alert : Kotak Mutual Fund launches Kotak Multi Asset Active FoF
Kotak Mutual Fund on Thursday announced the launch of the Kotak Multi Asset Active FOF, an open-ended fund of fund scheme investing in units of equity-oriented schemes, debt-oriented schemes and commodity-based schemes.
Parag Parikh Flexi Cap Fund raises stakes in TCS, ITC and 14 other stocks in March
Parag Parikh Flexi Cap Fund increased stakes in Tata Consultancy Services, ITC and 14 other stocks in March, while trimming only Balkrishna Industries. The fund raised holdings in HDFC Bank, Kotak Mahindra Bank, Coal India and others, maintaining a diversified portfolio across 21 sectors.
Should you invest in multicap mutual funds? Heres how to decide
Multicap funds are gaining traction post market correction as a diversified investment route. However, their mandated exposure to large, mid, and smallcap stocks makes them vulnerable to volatility, especially during market downturns. These funds are best for investors comfortable with higher risk across market cycles.
Home loan rates April 2026: SBI, PNB, BoB and other banks compared; 5 key tips to save money
Planning a home loan in April 2026? Check out SBI, PNB, BoB, Union Bank, Canara Bank, Bank of India, and UCO Bank rates, which could make or break your EMIs. Understand the significance of hidden fees, prepayment penalties, and 5 must-know tips before you apply.
Why US bond yields at 4.28% won't unlock a foreign capital wave into India
With the 10-year US Treasury yield hovering around 4.28%, the case for a meaningful, sustained influx of overseas capital into Indian markets remains dim. But why is it so?
Personal loan interest rates in April 2026 vary across top lenders, making comparison essential to reduce EMIs and total cost while considering fees, tenure, and any hidden charges.
Silver and gold ETFs saw significant drops on Thursday, shedding up to 4%, as MCX bullion prices followed global weakness. The US Federal Reserve's minutes signaled further rate hikes amid inflation concerns, while geopolitical risks from the Iran conflict also weighed on markets. Investors remain cautious, awaiting clarity on the US-Iran ceasefire.
Gold ETFs lose up to 6% since Mideast war. Should investors buy, hold or exit?
Gold ETFs have seen declines of up to 8% despite Middle East tensions, leaving investors uncertain. Experts advise against panic selling, recommending asset allocation and staggered buying for those at higher entry points. The recent ceasefire has caused a temporary rally, but long-term gold performance hinges on inflation and central bank policies.
PPFAS Asset Management gets PFRDA approval to launch pension fund under NPS
The will now manage retirement savings via a dedicated pension fund, leveraging NPS tax benefits and long-term growth potential.
Gifting property to your spouse? The taxman is watching now
Sub-registrars must now report property gift deeds above 45 lakh to the tax department, bringing such transfers into taxpayers AIS and tightening scrutiny on clubbing-rule violations.
EPFO 3.0 aims to introduce simplified withdrawal rules, faster UPI-based fund access, and reduced documentation, enhancing provident fund efficiency, flexibility, and retirement security of members.
Is diversifying into real estate a good idea when your portfolio has 60% equity exposure?
With 60% already in equity and a 75 lakh windfall in hand, should a 40-year-old add real estate or rebalance for retirement and childrens education goals?
Is your KYC safe? 5 steps to check status and avoid mutual fund scams
Mutual fund KYC verification helps investors stay scam-free by ensuring updated records, understanding status categories, and following simple steps to maintain secure, compliant investments across the country.
Looking to invest in ETFs? Know 3 strategies to consider before you start
Exchange Traded Funds (ETFs) offer a passive investment approach, mirroring index performance and allowing investors to align choices with their time horizon and financial goals. A structured strategy, including regular investments via SIPs, can foster discipline and help achieve objectives. Understanding the tracked index is crucial for informed ETF selection.
PPFAS Asset Management gets approval to sponsor pension funds under NPS
PPFAS Asset Management has received approval from the Pension Fund Regulatory and Development Authority (PFRDA) today to become a sponsor for a pension fund under the National Pension System (NPS).
RBI MPC outcome: Experts explain what the rate pause means for investors
The Monetary Policy Committee (MPC) of the Reserve Bank of India, in its bi-monthly review on Wednesday, decided to keep the repo rate unchanged at 5.25% and maintained its neutral stance.
NFO Alert : Groww Mutual Fund launches arbitrage fund
Groww Mutual Fund has announced the launch of the Groww Arbitrage Fund, an open-ended scheme investing in arbitrage opportunities. The scheme is designed to capture pricing differences between the cash and derivatives markets, with the aim of generating relatively stable returns with limited directional equity risk.
RBI policy: Why the end of the Goldilocks phase isnt a jolt for investors
With growth holding steady and inflation remaining manageable, the central banks latest roadmap offers a reassuring path through global geopolitical volatility.
RBI holds repo rate at 5.25%: What it means for home loan borrowers and EMIs
RBI holds the repo rate at 5.25%, providing stability for home loan borrowers. This will ensure predictable EMIs, clarity and potential interest savings amid global economic uncertainties.
Sunil Singhania backed Abakkus Mutual Fund has unveiled the maiden portfolio of its smallcap fund - Abakkus Small Cap Fund, following an in-house investment framework viz. MEETS, to evaluate key drivers of long-term value creation. This marks the funds first update since its NFO.
