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Gold loans are becoming the biggest driver of consumer borrowing? Here's what RBI FSR report says
Gold loans have become India's fastest-growing retail credit, recording a CAGR of 42.4% since March 2024, nearly double the 23% growth in non-housing retail loans.
The RBI's stress tests revealed 44 open-ended debt mutual funds breached liquidity thresholds in March 2026. Despite this, the central bank reports no immediate concerns, as affected funds have either rectified the issue or initiated corrective actions.
Despite market volatility, SIP inflows reached a record 32,086 crore in March 2026, according to the RBI's Financial Stability Report.
How much does it cost to relocate to Hyderabad? Microsoft techie says 3.6 lakh
Krish, shared a detailed breakdown of the expenses involved in the move, including rent, security deposit, furniture, appliances and other household essentials.
From 90,000 salary to 15 lakh debt: Viral LinkedIn post explains a financial spiral
A LinkedIn post by SEBI-registered investment advisor Vivek S G (Sulegai), founder of Wealth Crafts, is resonating with users after he shared the story of a Pune professional whose finances unravelled following a family medical emergency, eventually leaving him with a 15 lakh debt burden.
The government has maintained interest rates on small savings schemes for the July-September 2026 quarter, marking the ninth consecutive quarter of unchanged rates.
Alphabet joins Dow Jones, SpaceX enters Nasdaq 100: Which stock should Indian investors choose?
Experts suggest Indian investors can get exposure through international mutual funds, US-focused ETFs, or direct overseas investing under the LRS. While SpaceX's Nasdaq 100 inclusion is expected to attract passive investment flows, experts believe its entry into the Dow remains years away.
Is an online will legally valid? Here's what families should know
A will prepared using an online platform is legally valid in India if it meets statutory requirements. But families should ensure it reflects the testator's specific circumstances and assets.
Why hybrid SIFs are attracting investors
Hybrid long-short strategies accounted for 9,709 crore of investor assets, which was around 70% of the total SIF AUM of 13,814 crore
Govt extends deadline for filing appeals before GST appellate tribunal check new due date
The Government has extended the deadline for filing appeals with the GST Appellate Tribunal after stakeholders raised concerns about technical difficulties on the portal. Check new due date here.
What are multi-asset allocation funds? Comparing the top 5 funds by portfolio allocation
Multi-asset allocation funds provide diversification by investing across at least three asset classes, helping reduce dependence on any single investment. However, each fund follows a different portfolio allocation strategy, resulting in varying levels of risk and return potential.
RSU paradox: when your biggest wealth creator becomes a concentration risk
RSUs can be powerful wealth creators, but holding on to every vested share ties your career and investments to the same company, creating a concentration risk many employees overlook.
Changing jobs soon? Fix these EPF transfer errors before resigning for a smooth PF transfer
Avoid costly PF transfer delays before changing jobs. Checking your EPF transfer records, UAN, KYC and employment details before resigning can prevent processing issues and help ensure your provident fund balance moves smoothly to your new employer.
These 10 equity mutual funds gained up to 10% in June. Check top performers
NFO Alert: ICICI Prudential Mutual Fund announces launch of balanced hybrid fund
The new fund offer or NFO of the fund is open for subscription and will close on July 14. The scheme will reopen for continuous sale and repurchase within five business days from the date of allotment.
Why your used-car loan costs more than you think
Used-car financing now drives nearly 60% of platform transactions, but loans carry steeper rates (9-18%) and hidden costs like GPS-device fees and hypothecation charges versus new-car loans.
Gen Z professionals in India are increasingly prioritizing work-life balance and skill development over promotions and salary hikes, according to Naukris Gen Z Work Code report. 14% of Gen Z employees may quit within a year if growth is missing, compared to 3% of millennials.
UTI Mutual Fund buys nearly 15 lakh shares of MCX for Rs 425 crore
UTI Mutual Fund has significantly boosted its stake in MCX, acquiring nearly 15 lakh shares for a substantial Rs 425 crore via an open market deal. This move comes as MCX reported a remarkable surge in its March quarter profits, nearly quadrupling to Rs 530 crore and tripling revenue. The commodity exchange, a dominant player with over 98% market share, saw its shares dip slightly following the transaction.
Good investing outcomes come from doing few boring things well: Nithin Kamath
Zerodha co-founder Nithin Kamath said building long-term wealth does not require chasing hot stocks or timing the market. He stressed that investors often overcomplicate investing by trying to predict markets or pick from thousands of options. In a post on X, he said good outcomes come from doing a few boring things well through disciplined, low-touch investing.
Which mutual funds are best for SWP? Expert explains, also decodes STP tax implications
Choosing the right mutual funds for a Systematic Withdrawal Plan (SWP) hinges on individual financial goals, investment horizon, and risk tolerance, not a universal list. Experts advise aligning fund choices with withdrawal timelines, suggesting equity/hybrid for long-term wealth building and debt funds for immediate income needs. Understanding tax implications of Systematic Transfer Plans (STPs) is also crucial for a balanced investment strategy.
ITR filing AY 2026-27: Step-by-step guide to check your income tax return status online
Income Tax department offers an online service that allows taxpayers to check status of their filed returns both before logging in to e-filing portal and after signing in. The service also provides access to return-related documents and alerts users if any action, such as e-verification, is pending.
5 ways to improve payment history and boost credit score
Smart habits build a stronger financial future by improving payment history and boosting credit scores. This guide offers practical steps to manage bills, avoid missed payments, and strengthen your credit profile
10 equity mutual funds deliver over 25% returns in 2026, one of them doubled money
Around 10 equity mutual funds delivered returns of over 25% in the first half of 2026, with Nippon India Taiwan Equity Fund more than doubling investors' money. The top performers were largely international and thematic funds, while technology-focused schemes dominated the list of worst-performing equity mutual funds during the period.
Gold and silver prices today, 30 June: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.
Best dynamic bond funds to invest in June 2026
Confused by interest rate shifts? Dynamic bond funds offer a solution, allowing managers to adjust investments based on market outlook. While not foolproof, these funds could shine if the RBI begins rate cuts later this year, potentially rewarding debt mutual fund investors after muted performance. For those investing three to five years without wanting to predict rate movements, dynamic bond funds present an option.
mAadhaar App discontinued: Here's everything to know about the new Aadhaar app
The Unique Identification Authority of India (UIDAI) has announced that the mAadhaar App will be discontinued from today, 30 June. The new Aadhaar App is designed to offer Aadhaar Number Holders (ANHs) a secure and paperless way to access Aadhaar services.
Small Savings Scheme Interest Rates July-September 2026 are expected today, with investors awaiting updates on PPF, SCSS, SSY, NSC and other government-backed schemes.
8th Pay Commission: How family unit formula could boost salaries, expert explains
8th Pay Commission: A higher family unit may increase the minimum basic pay, influence the fitment factor and boost salaries and allowances for central government employees across all pay levels.
Delhi EV policy: Here's a look at the proposed electric vehicle subsidy and purchase incentives for buyers of e-autos, electric trucks, two-wheelers and three-wheelers offered by the state government.
Big relief for EV buyers! Delhi now offers tax waiver on electric cars up to 30 lakh
The Delhi government has approved a new EV policy offering incentives for electric vehicle buyers, including road tax exemptions and subsidies for two-wheelers. Here's which vehicles will benefit from the policy.
No restriction on buying petrol and diesel from July 1? Here's what changes
The Indian government will lift restrictions on petrol and diesel sales starting July 1, following an improvement in fuel supplies. The move indicates stability in fuel distribution and supply in India, as per the Centre.
EPFO: We take a look at the frequently asked questions when it comes to provident fund withdrawal process. Here's a complete guide to EPF withdrawal eligibility, rules, limits, form requirements, and conditions for partial claims.
Can you gift overseas property tax-free? What returning NRIs and OCIs should know
Can a returning NRI gift overseas property without attracting Indian tax? And should an OCI invest through an NRE or NRO account? Experts answer two common cross-border tax queries.
Gold for liquid cash: Indian households sold 50 tonnes of the yellow metal in the April-June 2026 quarter, amid fears of an imminent price crash, according to a report. Here's all you need to know
Key financial changes will be effective from July 2026. Staying informed can help individuals manage costs and meet compliance requirements. Full list here.
How NRI money could allow Indian banks to lend more to businesses? Axis Bank CEO explains
Indian banks is likely to utilise foreign-currency deposits from the Indian diaspora to replace costly funds in their balance before channeling the money to companies. Here's how it would work.
8th pay commission: Multiple groups, industry watchers, and reports estimate fitment factor could rise up to 3.83. Today we calculate how the conservative and optimistic estimates could each impact your salaries
How rupee movements directly affect your gold ETF returns: Experts explain the impact
For Indian investors, gold ETF returns are driven by global gold prices and currency movements. A weaker rupee can amplify gains, while a stronger rupee can reduce them. However, experts caution against making investment decisions solely on exchange rate expectations.
Dearness Allowance: What is DA merger and why the issue is in focus now, explained
Dearness Allowance: DA and DR are revised twice annually based on the All-India Consumer Price Index (AICPI) formula as prescribed under the 7th central pay commission. Today, we explain DA merger and why the issue is in focus now.
Can your tax refund be denied if you missed filing ITR last year? Here are your options
Missing the income tax return deadline doesn't eliminate the possibility of claiming a refund for excess tax deduced in FY 2024-25, but options are limited. Details here.
Closing Indias insurance gap will need more than just policy reforms
With nearly 85% of economic losses left completely uncovered, transforming consumer behaviour mindset is critical.
Investing in global stocks directly? Understand the costs and nominee rules first
Investors in overseas stocks must make note of costs related to forex spreads, brokerage fees and the process of asset transfers to heirs and nominees.
ITR for deceased spouse without a will: Legal heir tax rules and filing responsibilities explained
A spouses death brings emotional and financial challenges, including filing the deceaseds ITR. Understanding the ITR for deceased spouse rules, legal heir responsibilities and succession laws helps families complete tax formalities correctly and avoid unnecessary disputes.
Facing delays in SWP payouts? Expert explains what investors should do
Delays in SWP payouts should be treated as delayed mutual fund redemptions. SEBI requires payouts within three working days, with delayed payments potentially attracting investor interest compensation.
JioBlackRock Mutual Fund launches Prism Hybrid Long-Short Fund, its first SIF
JioBlackRock has launched its Prism Hybrid Long-Short Fund, an innovative interval investment strategy allowing twice-weekly redemptions. This fund aims to generate capital appreciation and income by blending equity, debt, derivatives, and alternative investments. Designed for dynamic markets, it seeks to deliver better risk-adjusted returns with lower volatility, leveraging BlackRock's global expertise and advanced technology. The New Fund Offer is open until July 13.
Top 5 mutual funds with highest 5-year returns: Heres how their strategies differ
Several equity mutual funds have delivered strong returns over the past five years, despite periods of market volatility and uncertainty. Heres a closer look at the top 5 diversified equity funds that have stood out in performance.
Debt mutual funds saw 97,000 crore in outflows in May. Here's why experts still recommend them
The May redemptions were largely driven by liquid, overnight, and money market funds, which are often used by institutions for short-term treasury needs. This should not be seen as a structural weakness in debt mutual funds, say market watchers.
NPS retirees have a new choice. Should you opt for RIS, annuity or SLW?
NPS subscribers now have a third post-retirement payout option in the Retirement Income Scheme (RIS). Here's how it compares with annuities and systematic withdrawals, and who should choose what.
How El Nio could affect your finances
A weak monsoon can fuel inflation, pushing up food bills, squeezing discretionary spending and increasing EMI burden.
Boost your retirement income with the right investment choice. Compare SCSS vs SBI Senior Citizen FD vs RBI Floating Rate Savings Bond on returns, interest rates, limits and tax rules to find the best option for your long-term financial goals. Consult a certified financial advisor before investing.
Looking for best NPS equity funds? These schemes delivered up to 14% in 3 years
The National Pension System (NPS) delivered strong returns over the past three years, combining retirement planning with tax benefits. Among fund managers with a three-year track record, Tata Pension Management emerged as the top performer.
Experts are advising mutual fund investors to focus on large-cap, flexi-cap, and multi-asset funds for the latter half of 2026. Following a volatile first half, a cautious yet optimistic approach is recommended, emphasizing diversified equity exposure. While valuations are considered fair, risks like global tensions and oil prices persist. Investors are urged to maintain SIPs and avoid market timing, especially first-time entrants.
Gold and silver prices today, 29 June: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.
How to e-Verify your income tax return: Different ways to verify your ITR and step-by-step process
e-Verify is a digital process to authenticate your Income Tax Return after filing. You must e-Verify your ITR within 30 days from the date of filing your return. If not done within the deadline, the IT department may treat your return as invalid.
EPFO portal upgrade 2026 enters final day, EPF claim services expected to resume soon
The final day of the EPFO portal upgrade marks the last phase of the planned system overhaul. The upgrade is set to improve EPF claim processing, boost service efficiency and deliver a faster digital experience for millions of EPF members, with services likely to be restored from tomorrow.
Aarogya Setu 2.0 launch today: How Indias new digital health platform may cut healthcare costs
A smarter healthcare future begins with Aarogya Setu 2.0, bringing digital health records, ABHA integration, insurance support and easier access to medical services. The new platform aims to simplify healthcare access, reduce paperwork and improve patient experiences.
8th Pay Commission: 5 key employee demands take centre stage ahead of crucial July consultations
8th Pay Commission: Five major employee demands move into focus ahead of July consultations. Demands include pension revision, pay parity, maternity benefits and other allowances.
Can a mutual fund SWP pay your home loan EMIs? 15 years of data says think again
Most investors struggle as they watch their portfolio shrink while EMI obligations remain fixed. The temptation to stop the SWP or redeem the corpus becomes overwhelming. This introduces discretionary risk into what is assumed to be a systematic plan. Acting on it at the wrong time permanently locks in the loss. An investors life situation also matters.
From ITR filing to TDS: 6 major tax deadlines in July 2026 that every taxpayer should know
July is crucial for taxpayers due to key compliance deadlines, including income tax return filing. Missing deadlines can result in penalties and late fees. Full list of due dates this month.
EPFO subscribers can soon withdraw provident fund savings via UPI apps and EPF-linked ATMs under the new EPFO 3.0 digital platform.
The EPFO's member and employer portals have been down since June 26 for software upgrades, causing delays in claims processing. Services are anticipated to resume by July 1, 2026. Here's what changes for EPF members among other details.
A Mumbai IT professional faced a tax demand of 3.36 lakh after her employer failed to deposit deducted TDS. The ITAT ruled in her favor, stating tax demands cannot be raised if TDS is deducted but not remitted. Details of the case here.
How this doctor earning 1.51 crore annually amassed investments worth 11.32 crore
Despite earning a modest salary during training, Chan has built an investment portfolio worth around $1.2 million across brokerage, savings and retirement accounts..
While transferring funds to a spouse may seem advantageous for tax savings, income could be subject to clubbing under Section 64, making it your taxable income. Details here.
Bought a flat but possession was delayed? Here's what Supreme Court ruled on Delhi homebuyer's case
In a recent case, the Supreme Court ruled that homebuyers can claim compensation for delayed possession of their apartments, even after taking possession. Details here.
After a taxpayer's death, their legal heirs or legal representative is responsible for filing ITR on their behalf. Legal heirs are not liable for a deceased taxpayer's tax dues beyond inherited asset value.
Fixed deposits offer safe, assured returns but are taxable under income tax laws. Taxpayers who missed declaring FD interest can file an updated return (ITR-U) within four years, allowing for corrections with varying additional tax penalties based on the filing time. Details here.
Investment planning should align with current finances, risk tolerance, and future goals. The Public Provident Fund (PPF) offers a safe, low-risk option for long-term savings, providing tax benefits and guaranteed returns, making it an ideal choice for wealth building.
AMFI seeks review of decade-old $7 billion overseas MF investment cap
AMFI plans to again approach RBI, Sebi and the government to raise the decade-old overseas investment cap for mutual funds. The industry says a higher limit will give investors greater access to global markets.
Nvidia's stock surged over 1,000% since the ChatGPT release, becoming the world's most valuable company. Investors are now eyeing other AI chipmakers like Micron and Sandisk, while tokenized stocks offer a new way to invest in these companies.
Income-tax returns: How much rebate can you claim under Section 87A? Eligibility and rules explained
Income-tax returns: Filing your ITR for AY27 / FY26, here's how much rebate you can claim under Section 87A of the I-T Act. We explain the eligibility criteria, tax regime details and rules for taxpayers.
Big changes ahead? IRDAI to soon unveil insurance distribution reform paper
The regulator is expected to invite stakeholder feedback on proposed reforms to insurance distribution. The framework is likely to focus on persistency, informed customer choice and balanced regulation while keeping policyholder protection at its core.
Equity mutual funds fall up to 7% last week; international funds among worst hit
Amid market volatility, we asked experts what SIP investors can do to protect their portfolio. From emphasising continuance and review of portfolio to diversifying asset allocation here's their advice
The EPFO is conducting a system upgrade, rendering its portal and Umang app inaccessible from June 26. This upgrade intends to improve reliability and service speed for subscribers. Check here for when services are set to resume
Can I-T dept raise tax over alleged cash paid for property? ITAT clarifies
The Mumbai ITAT held that the I-T Department cannot make a tax addition for an alleged cash payment in a property purchase based solely on documents seized from a third party. Such additions must be backed by independent and corroborative evidence linking the buyer to the transaction.
AMFI reshuffle: Hindustan Copper among 6 smallcap stocks that may get upgraded to midcap
Six smallcap stocks, including Hindustan Copper and NLC India, may move to midcap in AMFIs H2 CY26 reshuffle, as per Nuvama Institutional Equities. The potential reclassification could influence fund flows, though projected threshold levels show inconsistencies and need confirmation before firm conclusions are drawn.
NFO Watch: 5 mutual funds and 2 SIFs open for subscription this week. Check details
Is Indian IT a contrarian call?
Investors looking to take a contrarian call on the IT sector can do so by using sector or theme-based schemes, but prefer actively-managed diversified schemes where fund managers decide and monitor sector allocations
The 8th pay commission is engaged in discussions with employee representatives to formulate pay recommendations, which will impact around 50 lakh central government employees and 65 lakh retired pensioners.
How SCSS helps senior citizens earn a 20,500 monthly income from 30 lakh savings
Secure your retirement with SCSS, a government-backed savings scheme offering stable income for senior citizens. This article explains how a 30 lakh investment can generate around 20,500 monthly income with safety, tax benefits and predictable returns.
West Bengal has announced a 20% hike in dearness allowance for state employees and pensioners, raising it to 38% effective October 1. Teachers' organizations welcomed the decision but urged faster implementation and clearance of remaining dues.
The RBI just published a list of the tricks your bank plays on you
New directions on product marketing and sales highlight practices such as bundling and hidden opt-outs, while formalizing safeguards against mis-selling.
UPI and bank apps allow 24/7 transactions. Banks close on specific Sundays and Saturdays, with online services available during holidays. Customers must verify local branch holiday schedules.
Mumbai couple makes 2.2 lakh a month yet can't save: Expert explains what they could do differently
A Mumbai couple earning 2.2 lakh monthly struggles to save money. The Reddit post sparked discussions on budgeting issues, with an expert suggesting clear savings plans.
Micron's stock surged over 700% to $1,184, reflecting a shift from a cyclical to an AI infrastructure narrative. With significant revenues predicted and strong demand for HBM, the future hinges on sustained performance despite potential cyclical risks and varying analyst price targets.
2 lakh a month for a normal life': Man says 'Bombay, Bangalore and Gurgaon may exhaust you'
He listed routine expenses such as rent, groceries, fuel, Uber rides, house help, gym memberships and occasional meals out, along with a few lakh rupees spent on travel every year.
SpaceX will join the Nasdaq 100 on July 7 due to amended eligibility rules, allowing quicker inclusion for newly listed companies. This change could attract $4.3 billion in passive inflows from ETFs and mutual funds, potentially boosting SpaceX's stock price significantly.
Section 80C: Which small savings schemes qualify for tax deduction and which don't?
Post office small savings schemes are popular for conservative investors, offering safety, assured returns, and competitive interest rates. Here's the list of schemes that qualify for tax deduction under Section 80C.
Risk-adjusted return measures the excess return over the risk-free rate per unit of risk and is measured in terms of standard deviation.
