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8th Pay Commission: How fitment factor is determined and how it affects salarieswhat we know
The 8th Pay Commission, recently approved by the Union Cabinet, seeks to adjust salaries and pensions using a fitment factor influenced by inflation. Projections suggest a factor of 1.83 to 2.57, affecting around one crore government employees and retirees.
Ace investor Ramesh Damani has picked up Rs 13 crore worth of John Cockerill India shares in a bulk deal on Friday, while promoter John Cockerill SA offloaded Rs 91 crore worth of stock. The shares were purchased at a price of Rs 4,704.45 apiece, a 1% discount from the Wednesday closing price of Rs 4755.40 on the BSE.
Aadhaar-PAN linking mandatory by 31 December 2025 here's a last-minute guide for taxpayers
Taxpayers must link Aadhaar with PAN by 31 December 2025 to maintain PAN validity. The process can be completed online, requiring a valid PAN, Aadhaar number, and mobile number.
Personal loan cooling-off period explained: Bank-wise cancellation charges
Banks usually allow borrowers to cancel their personal loans, if required, during the cooling-off period with no or low charges.
UTI Mutual Fund announces change in symbols of ETFs across NSE and BSE
UTI AMC has revised the trading symbols of select equity, debt, and commodity ETFs listed on NSE and BSE, effective December 24, 2025. The new naming convention adds a BETA suffix to improve clarity, consistency, and ease of identification, with no change to investment objectives or portfolios.
2025 mutual fund scorecard: Top performers, laggards, and key surprises
In 2025, equity performance varied significantly with silver funds leading at 128% returns. Large and midcap funds excelled due to quality stock selection, while smallcap funds struggled.
Personal loan after death: Who pays, who doesnt, and what banks wont tell you
On the borrowers death, the bank asks the co-applicant or guarantor to pay, or recovers the personal loan amount from the deceased persons estate.
Precious metals lead, mid caps power equity returns in 10 years
Gold and silver topped long-term returns over a decade, while equities across market caps created wealth with volatility and debt delivered steady performance.
Market-first vs goal-first: Financial planning should start with required rate of return
The financial planning in India needs to move away from being product-centric to problem-centric.
Mutual fund AUM surge by 21% in 2025, passive funds lead the growth
Indias mutual fund industry recorded a 21% rise in assets under management in 2025, led by strong growth in passive funds, gold ETFs, hybrid schemes and equity funds, according to AMFI data.
RBL launches NOVA Credit Card: Travel & lifestyle benefits explained Should you apply?
The NOVA Credit Card is a luxury credit card that offers accelerated reward points on travel, airport lounge access, low forex markup, golf rounds, and more, designed for those looking to transform everyday moments into milestones.
Logan Paul purchased the Pikachu Illustrator card for millions of dollars four years back, during which he broke a Guinness World Record for the most expensive Pokmon trading card sold in a private auction.
Why have multi-asset allocation mutual funds been best performers in 2025?
Multi-asset allocation funds outperformed equity funds in 2025, driven by strong gains in gold and silver and dynamic asset allocation strategies.
Silver ETFs deliver over 160% return in 2025. Is more shine left?
Silver ETFs have surged over 160% in 2025 amid record-high silver prices, driven by strong industrial demand, supply tightness, and safe-haven buying, with experts advising partial profit-booking and disciplined portfolio rebalancing.
Income Tax Refund Status LIVE: I-T department has issued most of the tax refunds for the people who had filed their income tax returns (ITRs) this year, but some have been delayed. Heres a quick guide to help you check your ITR status online.
The Income Tax Department has notified taxpayers via email and SMS that their refunds are being held due to discrepancies in their ITR filings. Many affected individuals are seeking clarity and an extension before the 31 December deadline to correct their filings.
Critical illness claim rejected by insurer? Here's what you can do
Always read policy wording carefully, maintain complete medical documentation, and make use of the grievance and ombudsman mechanisms when needed.
A revised ITR is filed to correct any mistake in the original ITR. A belated ITR is an original ITR filed if a taxpayer misses the due date for ITR filing. Here is a detailed breakdown.
Old vs new tax regime: Why PPF still holds ground while ELSS loses appeal
For many, the new tax regime's appeal lies in paying a lower or comparable amount of tax while avoiding the hassle of submitting proof for deductions.
FoF schemes with ease of investing, tax advantage draw new investors
Investors are increasingly choosing fund-of-funds schemes. These schemes offer automatic diversification and professional management. They also provide tax efficiency, especially for long-term holdings. First-time investors find them appealing due to their simplicity. Fund-of-funds schemes invest in a mix of other mutual fund schemes. This approach simplifies investment decisions for many.
Updated vs Revised ITR Income Tax Department gives the taxpaying citizen an opportunity to file a revised income tax return (ITR) and an updated ITR. Here's what taxpayers should know about their differences ahead of the 31 December deadline.
Income tax refund failed? Here's a step-by-step guide for taxpayers to request refund reissue
Most taxpayers have received their ITR returns, but some still await refunds. If refunds fail, taxpayers can request reissue via the e-filing portal, ensuring bank details are correct.
Who needs to file revised ITR after Income Tax Department's message?
The Income Tax Department has alerted many taxpayers that their refunds are on hold due to ITR mismatches. The identified taxpayers must file revised returns by 31 December 2025, or face additional tax liabilities.
When buying insurance, why honesty is the best policy for claims and coverage
Concealing health details may help secure a policy, but it can derail claims later. Why full disclosurenot approvalis the real test of a successful health insurance plan.
Tax benefits on loans explained: Home, education, vehicle and personal loans
The article highlights tax benefits for various loans, focusing on home loans, education loans, vehicle loans, and personal loans.
Stage collapses to flight delays: Why wedding insurance remains a hard sell
India will host weddings worth 6.5 trillion this year, yet few couples insure them. High costs, rare mishaps, and confusing exclusions keep wedding insurance on the sidelines.
Does holding a joint account with parents create tax liability for NRIs?
Many NRIs are unsure about the tax implications of operating family accounts. Heres clarity on beneficial ownership rules and key reporting requirements.
Income Tax Refund Rule: If your ITR does not get processed by 31 December 2026, or within the relevant deadline for previous assessment years, the CPC has to forfeit its right to the ITR.
Got income tax alert for filing revised ITR before 31 December? Step-by-step process explained
While filing ITR initially, taxpayers can often overlook certain things or make mistakes. However, the mistakes in the ITR filing can be corrected. Under Section 139(5) of the Income Tax Act, 1961, taxpayers are given the opportunity to file a revised income tax return.
Gold in your portfolio: What to expect from the safe-haven asset in volatile times
While most experts remain optimistic about gold, citing a macroeconomic backdrop that continues to favor it, some warn of short-term risks.
Lumpsum investments disappoint many MF investors in 2025. Will 2026 be different?
Lumpsum mutual fund investments in 2025 yielded mixed results, with some schemes delivering negative returns up to 20%. This divergence highlights timing risk in volatile markets. While SIPs offered a less volatile approach, selective lumpsum investments in 2026, particularly in large and flexi-cap funds, are advised.
The BSE Sensex has achieved remarkable wealth creation over four decades. It has grown from a modest start to a lifetime high, transforming into a democratized wealth engine for millions. This journey reflects India's economic transformation and its rise as a global powerhouse. The Sensex has become a true barometer of the Indian economy.
Sensex gains over 100 pts, Nifty tops 26,200 on US economic growth optimism
Indian stocks edged higher on Wednesday, with the Sensex and Nifty steadying after a flat close. Stronger U.S. economic growth data boosted risk appetite, though foreign fund outflows and thin year-end trading volumes tempered the optimism.
Mukul Agrawal: The star investor who found 5 multibaggers in 2025 when others barely had any
Despite a challenging market in 2025 that saw many portfolios decline, investor Mukul Agrawal's equity holdings featured five multibagger stocks. While his overall portfolio saw a slight dip, these select companies delivered significant returns, outperforming the broader market slump in small-cap stocks.
Income Tax Refund LIVE Updates: The income tax department has reportedly started sending bulk SMS and emails to taxpayers, saying that their refunds had been put on hold due to risk management measures.
Vietnam's stock market rises on signs of smooth power transition
Vietnam's stock market hit a record high, extending its weekly rally as investors reacted positively to signs of political stability. A senior Communist Party meeting agreed on candidates for the next leadership, with party chief To Lam widely expected to retain his powerful post.
Cholamandalam Investment and Finance Company shares are set to be in focus after the company rejected allegations of governance lapses, reaffirmed its guidance and highlighted strong liquidity and capital buffers. Brokerages including Motilal Oswal, Morgan Stanley and Jefferies reiterated their positive stance, citing improving disbursements and resilient fundamentals.
Goldman Sachs has initiated coverage on PhysicsWallah with a Neutral rating and a 135 target price, citing strong execution and a large market opportunity. It expects 24% revenue CAGR and over 80% EBITDA CAGR during FY2530, driven by organic traffic, a stable competitive landscape, and a scalable pricing model.
NLC India among 7 stocks flashing bullish signals, indicating possible uptrend
Seven NSE-listed stocks with market capitalisation above Rs 1,000 crore signalled bullish momentum on 23 December after forming White Marubozu patterns. This candlestick formation reflects strong buying interest throughout the session, suggesting buyers remained in control from open to close and indicating potential continuation of the prevailing uptrend.
Ambuja Cements among 5 F&O stocks that saw a high increase in futures open interest
As of December 23, five stocks in the NSE F&O segment recorded a sharp rise in futures open interest, signalling fresh derivatives activity. A rise in open interest reflects increasing participation, with traders either initiating new positions or expanding existing exposure, pointing to stronger conviction on near-term price direction.
Coal India shares jump over 1% after in-principle nod for listing of MCL, SECL
Coal India share price: In a significant boost for investors, Coal India has seen its shares gain traction after the announcement of plans to list its subsidiaries, Mahanadi Coalfields Limited and South Eastern Coalfields Limited. This strategic initiative aligns with directives from the Ministry of Coal, paving the way for further communications with the Ministry regarding submissions to DIPAM.
Why have multi-asset MFs beaten equity funds this year?
Multi-asset allocation funds have surprised investors by outperforming pure equity funds. These funds invest in at least three asset classes, including gold and silver. Their allocation to precious metals, which saw a sharp rally, drove their strong performance. Investors seeking automatic asset allocation can consider these funds. The Indian mutual fund industry has 32 such schemes.
Several taxpayers who filed their income tax returns (ITR) in September for the Assessment Year 2025-26 are waiting for their refunds to be credited. Here's all you need to know about the process.
Taxpayers can claim deductions not reported to employers while filing their income tax returns, even after the employer's TDS calculation. The final deadline for belated returns is 31 December, allowing corrections for missed claims.
The Income Tax Department is reportedly holding taxpayers' ITR refunds, citing discrepancies in their claims. Many taxpayers are frustrated with the alerts and the short timeframe to revise returns, by 31 December 2025.
Income Tax Return: Here's what experts suggest taxpayers can do ahead of the 31 December 2025, if they miss the revised or belated ITR deadline. Check if you can revise your ITR after the December time limit.
Income tax alert: Disclose foreign assets and income in revised ITR by December 31
Taxpayers must disclose foreign assets and income in revised ITR by December 31. Failure to report can lead to penalties.
PAN-Aadhaar linking: Will your PAN card get deactivated if not linked to Aadhaar by 31st December?
Your PAN will be rendered inoperative after 31 December if not linked with Aadhaar. There are several consequences of getting your PAN inoperative, including penalties.
The NPS makeover and retirement security
Recent reforms have addressed long-standing concerns around lock-ins, annuitization and equity exposure, strengthening the case for NPS as a retirement vehicle.
Record SME IPOs, fragile returns: What retail investors should watch out for
Strong demand has not translated into consistent returns for SME IPOs. Of the 250 companies listed in the space in 2025, 129 are trading below their issue price
Flexi cap funds attracted Rs 70,959 crore in 2025 as investors sought flexibility in a volatile market. Experts say the categorys appeal lies in fund managers ability to shift between large, mid and small caps as conditions change. SIPs and long-term horizons remain key for investors using flexi caps as core equity holdings.
Best gilt mutual funds to invest in December 2025
Gilt mutual funds may deliver strong gains when the RBI begins cutting interest rates, but they are highly sensitive and suited only for informed, risk-taking debt investors. Gilt funds are debt mutual funds that invest in government securities or G-secs. As per Sebi norms, these schemes must invest 80% of their corpus in government securities.
Big flames die fast: Lessons from 2025 for the investor in 2026
Indias long-term story remains strong. Real growth is healthy, and corporate balance sheets are cleaner than most global peersand at their all time best.
Why 2025 was a turning point for tax planning and investments
Changes in income tax law and new regime have done away with the year-end rush for investments to save on tax. But experts still advise active tax planning and asset allocation.
Application submission for the Kerala government's Sthree Suraksha Scheme has reportedly begun. The state government had earlier released the guidelines and norms related to the implementation of the scheme.
Warren Buffett believes that big opportunities are rare and must be seized, but decisions should be well thought out and considered rather than impulsive, if you want to make money.
Best corporate bond mutual funds to invest in December 2025
Investors seeking relatively safe debt options for short- to medium-term goals can consider corporate bond mutual funds in December 2025. These funds invest largely in AAA-rated papers, offering lower credit risk than other debt schemes, though investors must still track interest rate risks and fund manager prudence.
Eighteen equity mutual funds have delivered over 15% XIRR on SIP investments in 2025. SBI Focused Fund and ICICI Pru Focused Equity Fund led with over 20% XIRR. Mirae Asset Midcap Fund and ICICI Pru Midcap Fund also showed strong performance. Investors who started SIPs on January 1, 2025, saw significant returns.
Why doing nothing is the hardestand smartestinvesting skill
Buffett's insights highlight that the flashing ticker of stock markets can create a false sense of urgency for investors. He advocates for reduced exposure to market ticker and patience, arguing that waiting for the right opportunity is key to successful investing.
When a reporting lapse can turn honest taxpayers into black money accused
Taxpayers face severe penalties for failing to disclose foreign assets, even inadvertently. A Mumbai executive received a 40 lakh fine under the Black Money Act despite no income from his holdings.
