21 C 
Is diversified SIP + NPS portfolio enough to build Rs 15 crore? Heres what advisors say
A 33-year-old government teacher, Saurabh Yadav, is strategically investing in SIPs and NPS to build a Rs 15 crore corpus over 30 years. His well-diversified portfolio, with a moderate to high-risk allocation, is praised by experts. Regular reviews and controlled smallcap exposure are key to achieving his long-term wealth goal.
FD interest rates: These 7 banks offer the highest returns on long-term fixed deposits
FD rates: Most top commercial banks offer interest rates within a small range on their fixed deposits.
Instant loan vs credit card loan: How do you know which one actually works better for you?
Instant loans are generally better in terms of interest rates and immediate processing than loans against your cards
Tech, smallcap mutual funds among 3 categories delivering negative average returns in 2025
The Wealth Company Multi Asset Allocation Fund NFO is open for subscription. 10 things to know
ETMutualFunds breaks down key details of The Wealth Company Multi Asset Allocation Fund NFO, covering its strategy, asset mix, fund managers, flexibility across equity, debt and commodities, and suitability for diversified investing
NFOs: 12 mutual funds and 1 SIF are open for subscription now.Check details
Mutual funds launch new funds to complete their bouquet of offerings. Here's a detailed breakdown of NFOs live now (Source: ACE MF).
Top 4 smallcap mutual funds to invest in November 2025
ETMutualFunds has shortlisted four top smallcap funds for November 2025 based on rolling returns, consistency, downside risk and long-term performance.
Festive credit trap: How discount deals quietly push you into debt
Digital shopping has evolved, with consumers using credit to finance purchases. While credit enables aspirations, it can lead to debt if mismanaged, highlighting the need for responsible financial planning.
Capital gains compliance gets a reset. Digital deposits, SEZ relief, mandatory e-closure explained
Indias CGAS overhaul modernises how taxpayers deposit and track capital gains, adds SEZ relocation coverage, widens bank access and mandates digital account closure for the first time.
Top 5 largecap mutual funds offer over 25% annualised return in 3 years. Check toppers
Over the past three years, the top-performing largecap mutual funds have delivered strong annualised returns of up to 28%, led by BHARAT 22 ETF and ICICI Prudential BHARAT 22 FOF. However, several funds lagged behind, including offerings from Nippon India, Axis, LIC, Tata and Sundaram.
How to fill up a personal loan application form? Follow these 5 steps
A clear guide to completing a personal loan application, highlighting key documents, credit score checks, accurate form filling, loan planning and final review to ensure smooth personal loan approval.
17 equity mutual funds offer over 20% return in 9 months. Do you own any?
Around 17 equity mutual funds have delivered over 20% returns in the last nine months, with midcap funds dominating the top performers. Mirae Asset Midcap Fund and Invesco India Midcap Fund led the pack with returns exceeding 24%. The remaining 264 funds saw returns ranging from 2.01% to 19.90%.
THESE 5 premium credit cards give tempting offers for card users
There are some premium cards which offer mind boggling offers but they come at a huge price i.e., high annual fee
MF Tracker: Sundaram Focused Fund turns Rs 10,000 SIP to over Rs 1 crore in 2 decades
Sundaram Focused Fund has turned a Rs 10,000 monthly SIP into Rs 1.12 crore over two decades, showcasing strong long-term compounding. While its inception returns are impressive, recent performance has lagged behind its benchmark and category average. Experts advise caution due to concentrated portfolios, suggesting focused funds are best for investors with high risk tolerance.
Britannia Share Price Live Updates: Britannia's Previous Day Closing Price
Will a 60,000 credit card balance hurt my credit score?
A high credit card balance can dent your credit score, but taking a personal loan to clear it isnt necessarily harmful. What matters is how it affects utilisation and repayment discipline.
Mutual funds: Active vs passive funds which one should you choose and why?
Active and passive MFs: From choosing stocks to the scope of returns, they vary widely.
The aim of rolling out the 1600 number series is to enhance consumer trust, curb spam, and prevent fraudulent activities perpetrated through voice calls.
To invoke non-disclosure, insurers must show the condition was active when the policy was bought and medically linked to the current ailment.
Cooling-off period for personal loan cancellation: What you need to know
For personal loans, banks provide a 3 to 15-day cooling period during which the borrower can cancel the loan. Usually, there is no cancellation fee during this period.
6 factors that can pull down your credit score and how to avoid them
A declining credit score can affect loan approvals and interest rates. Understanding factors like missed payments, high credit utilisation, multiple applications, and reporting errors can help borrowers in maintain a strong credit score.
These 5 equity mutual funds deliver up to 25% return in 10 years on SIP investments
These five equity mutual funds have delivered 2125% annualised SIP returns over the past decade, with smallcap and midcap categories dominating the charts.
NFO Alert: Axis Mutual Fund launches Axis Multi-Asset Active FoF
Axis MF has launched the Axis Multi-Asset Active FoF, offering a single-window solution combining equity, debt, gold, and silver through a model-driven allocation framework. The fund aims for long-term capital appreciation with dynamic rebalancing, efficient taxation, and diversified exposure, targeting investors seeking smoother returns and lower volatility over a two-year horizon.
How top 10 India-focused offshore equity funds and ETFs fared
Assets of the largest India-focused offshore funds and ETFs rose modestly over six months, with most major funds seeing inflows. iShares MSCI India products remained dominant, while midcap and diversified strategies also expanded their asset base
Can Rs 30,000 SIP deliver Rs 3 crore in 15 years? Expert shares roadmap
According to financial expert Pankaj Mathpal, MD, Optima Money Managers, Ajays portfolio is well-diversified but leans heavily toward aggressive categories like small-cap and mid-cap funds
What are the pros and cons of investing in Fund of Funds?
The forgotten Tata stock has inflicted a mounting Rs 25,000 crore loss on investors as prolonged underperformance, weak sentiment, and fading confidence deepen concerns. With no clear catalyst for a turnaround, shareholders remain uncertain about recovery prospects, questioning whether the stock can reclaim value or continue its downward drift.
NFO Update: Canara HSBC Life Insurance launches NextGen Consumption Fund
Canara HSBC Life Insurance introduces the NextGen Consumption Fund. This new fund allows customers to invest in India's growing consumption driven by millennials and Gen Z. It focuses on companies benefiting from changing lifestyles and digital adoption. The fund targets sectors like e-commerce, fintech, and retail. It aims to capture the multi-trillion dollar consumption growth expected from India's young population.
Personal loan statement: 5 key details every borrower must review
Personal loan statements detail outstanding balances, EMI breakdowns, interest rates, fees, and repayment history, helping borrowers monitor loans, avoid errors, and maintain financial health through accurate monthly review.
Paytm rolls out new Hide Payments feature to boost user privacy. Details here
Paytm has launched a 'Hide Payments' feature, allowing users to manage their transaction history with enhanced privacy.
US estate tax: A hidden risk for Indian investors with US stocks or ESOPs
Any form of US-listed stockseither stock options or direct stockscan create significant wealth, but they also carry the risk of US estate taxation
Baroda BNP Paribas AMC launches Indias first Gift City fund investing in US small caps
Baroda BNP Paribas Asset Management has launched India's first fund offering direct access to the US small-cap market via its GIFT City branch. The Baroda BNP Paribas GIFT US Small Cap Fund allows Indian investors to diversify into US equities, overcoming SEBI's overseas investment cap. This regulated, dollar-denominated fund invests in the well-performing BNP Paribas US Small Cap Fund.
Mutual funds fully exited these 7 stocks in October. Heres the list
In October, mutual funds fully exited seven stocks, including Mangalore Chemicals, Dhani Services, and 5Paisa Capital, selling shares worth up to Rs 308 crore, as per Prime Database.
Income tax refund not credited? How to check status and understand delays
The income tax portal states that it normally takes anywhere between 4 to 5 weeks for the refund to be credited to the taxpayer's account. The refund of large amounts may take longer
Buying an under-construction home shrinks your home loan tax advantage
The tax laws dont allow interest deduction to be claimed while the property is under construction, and cap the total interest benefit that can be availed after taking possession
PPFAS receives approval to launch 2 new passive GIFT City based outbound funds
PPFAS is launching two new funds from GIFT City. These passive funds, Parag Parikh IFSC S&P 500 FOF and Parag Parikh IFSC Nasdaq 100 FOF, will invest directly in S&P 500 and Nasdaq 100 ETFs. Indian investors can now get exposure to these global indices without foreign brokerage accounts.
Gold & silver ETFs lose up to 9% in 1 month. Is it time to buy the dip or wait?
Gold and silver ETFs have seen sharp declines, losing up to 9% in a month. Experts advise holding current investments and using SIPs for averaging. While equity dips are buying opportunities, gold and silver behave differently. Investors should adopt a wait-and-watch approach unless using them as debt substitutes for the long term.
Gambling addiction is a growing problem. How to protect family assets.
Financial advisors explain how they help clients protect family wealth from adult children who have become addicted to gambling.
Best banking & PSU mutual funds to invest in November 2025
Banking & PSU debt funds offer a relatively safe investment avenue for a few years, primarily investing in government-backed entities to minimize credit risk. While interest rate fluctuations pose a risk, these schemes are generally better positioned due to shorter-duration investments.
Sebi extends deadline for feedback on proposal to overhaul mutual fund rules
This additional expense, introduced to offset the impact of crediting exit loads back to schemes, was first set at 20 bps in 2012 and later reduced to 5 bps in 2018. The additional expense of 5 bps that mutual fund schemes were allowed to charge was transitory in nature, Sebi noted
A financial expert guides late-40s investors on planning for childrens education and weddings over 15 years, highlighting inflation impact, equity mutual fund suitability, expected returns, and diversified portfolio strategy
THESE 6 credit cards have annual fee lower than 1,000. Check list here
Some credit cards with minimal benefits are offered for nil or low annual fee. These includes Amazon Pay ICICI Credit Card and Flipkart Axis Bank Credit Card, among others
How to check your credit score and spot suspicious inquiries in your report
Regularly checking your credit score helps identify suspicious inquiries, correct reporting errors and safeguard against fraud while ensuring your credit accounts, limits and repayment history remain accurate for stronger financial eligibility.
ALL Accor+ Explorer membership: Gold Elite, free nights, 30% dining Should you take it?
For an Rs. 19,499 annual fee, the ALL Accor+ Explorer membership provides benefits like 2 Stay Plus nights, Gold Elite status, a discount of 30% on dining, 15% on drinks, 15% on stays, up to 50% on Red Hot Rooms, etc.
HDFC Mutual Fund among 4 AMCs to receive over Rs 15,000 crore inflows from top30 cities in October
Several major AMCs, including SBI, ICICI Prudential, HDFC, Nippon India, and JioBlackRock, recorded strong AAUM inflows in October, while six mutual funds experienced monthly outflows.
Are your global index ETFs trading at a premium? Here are top trades and investor action plan
Invesco Mutual Fund: Eternal and Swiggy among top 10 stock holdings in October
The fund house with Rs 1.38 lakh crore AUM shared top holdings, led by HDFC Bank and ICICI Bank, with most weights slightly changing while Infosys and Swiggy remained unchanged overall.
In October, the Capitalmind Flexi Cap Fund strategically reshaped its portfolio by divesting from Cartrade Tech, HCL Technologies, and Hitachi Energy India, while welcoming new additions like Bharat Electronics, City Union Bank, and Force Motors. The fund adjusted its stakes, increasing exposure in 22 stocks and reducing it in 2, resulting in a total AUM of Rs 185.87 crore.
How to stop money fights before they start: A 5-step plan for couples
In India, 46 lakh weddings are set from November to mid-December. Couples should openly discuss finances to avoid future conflicts. Experts emphasize understanding each other's financial habits, and planning budgets together for a harmonious financial life.
Ayurvedic hospitalization: Why insurers push backand how to win claims
Ayurvedic treatment claims face closer scrutiny from insurers due to cost and necessity concerns. To increase approval chances, patients should provide detailed medical documentation, minimize hospital stays, and select accredited facilities.
Want to build wealth like successful investors? These five habits may help
Wealth is often created not by constant action, but by resisting the urge to tinker every time the market sneezes. Unlike stock tips, these behaviours can be adopted by anyone, no matter their income or portfolio size.
The Wealth Company Mutual Fund has launched a new multi-asset allocation fund, aiming to navigate market volatility by dynamically investing across equity, debt, and commodities. Experts highlight its hybrid-like structure and flexibility in commodity allocation as key differentiators, offering potential for better risk-adjusted returns.
Overseas students enrolment in the US falls 7%, there are several other countries including Russia, Poland and France which Indian students can explore aside from the US.
Best conservative hybrid mutual funds to invest in November 2025
Conservative hybrid mutual funds are the entry to the world of hybrid funds. These schemes invest mostly in debt and a small percent in equity. As per the Sebi norms, conservative hybrid schemes must invest 75-90% in debt instruments and 10-25% in stocks.
DIY investors push Fund of Funds into high demand
Fund of Funds (FoFs) are gaining traction among DIY investors due to their ease of investing, diversification, and favorable tax treatment. These schemes invest in other mutual funds, offering a single NAV and professional management. Equity-oriented FoFs provide tax efficiency with a 12.5% LTCG tax after 24 months.
What are ESG mutual funds and should you invest in them? It's more than helping save the planet
ESG funds not yet widely popular tend to invest in companies based on their performance in environmental, social, and governance criteria. We share reasons for investing in them.
Personal loan tenure: How it impacts EMI, interest costs and borrowing decisions
A personal loan tenure outlines the repayment period and influences EMIs and total interest. Understanding the tenure helps borrowers choose suitable terms based on budget, credit profile, financial goals and repayment flexibility.
Mutual Funds: Why stepping up your SIPs is crucial for achieving your financial goals
Mutual funds: One of the fastest ways to meet financial goals is to gradually increase the SIP amount every year or every fixed interval say every two years or so.
Should I make a Will in the city of my origin or where I have assets?
Stamp duty is not payable on a Will, and therefore, this is not a relevant consideration in choosing where to make a Will.
Top 5 flexi-cap mutual funds with maximum mid and smallcap exposure. Check details
These top 5 flexi cap mutual funds Motilal Oswal Focused, LIC MF Focused, LIC MF Flexi Cap, Capitalmind Flexi Cap, and Old Bridge Focused stand out for their aggressive tilt, with over 50% combined exposure to mid and small cap equities as of August 2025.
Specialized investment funds: What should investors keep in mind?
SIFs are allowed to have short or sell positions in derivatives of stocks not in the portfolio.
Kotak Mutual Fund: Eternal and RIL among top 10 stock holdings in October
Kotak Mutual Fund, managing an AUM of Rs 5.83 lakh crore as of October 2025, revealed notable shifts in its top stock holdings. The fund house trimmed weights across major positions, including HDFC Bank, ICICI Bank, SBI, Eternal, RIL, Bharti Airtel, Axis Bank and Infosys, while allocations in BEL and Maruti Suzuki remained unchanged.
Axis Mutual Fund launches industry-first micro-investment feature for new investors
Axis Mutual Fund introduces a new micro-investment feature. First-time investors can now start mutual fund investments with just Rs 100 per scheme. This initiative aims to make financial literacy practical. Investors can explore schemes, diversify portfolios, and learn about investing fundamentals. The feature is accessible, educational, and empowering for new investors.
HDFC Mutual Fund: RIL and Paytm among stocks bought and sold in October
HDFC Mutual Fund made significant portfolio adjustments in October. The fund house boosted its stake in nearly 201 companies, featuring RIL and Eternal. Simultaneously, it reduced holdings in 379 stocks, including Paytm and Ola Electric Mobility. HDFC Mutual Fund also introduced 11 new stocks and exited three completely. This strategic reshuffling reflects evolving market dynamics and investment priorities.
7 mutual funds trim stakes in 21 smallcap stocks in October
5 best performing India-focused offshore equity funds and ETFs in 1 year. Check details
5 best performing India-focused offshore equity funds and ETFs in 1 year. Check details
A credit score of 657 reflects moderate risk, but it can be improved with timely repayments, low credit utilisation, regular credit report checks, limited applications, and disciplined financial habits for long-term growth.
Prepay the loan or start investing? Young professionals face a tough money choice
Young professionals often struggle between speeding up education loan repayment and starting investments. Heres how to decide based on interest rates, tax breaks, cash flow and financial stability.
NFO Alert: Capitalmind Mutual Fund launches Capitalmind Liquid Fund
Capitalmind Mutual Fund has launched the Capitalmind Liquid Fund. This new open-ended liquid scheme offers low interest rate and credit risk. It is designed for corporates, HNIs, and retail investors seeking high liquidity and low volatility. The fund aims to generate regular income by investing in short-term debt and money market instruments. The NFO is open until November 21.
SBI and PPFAS Mutual Fund among 5 fund houses with cash allocation over Rs 10,000 crore in October
Mutual funds raised their cash holdings to over Rs 2.09 lakh crore in October, with cash levels at 4.94% of total AUM. PPFAS held the highest cash proportion, followed by The Wealth Company. ICICI Prudential topped absolute cash levels, while JioBlackRock reported modest allocations as a new entrant.
Credit Card EMIs explained: What you need to know before converting your next purchase
Credit card EMI helps spread big purchases into fixed monthly instalments, outlining benefits, costs, tenure options and key considerations for managing repayments effectively with smart financial planning.
ELSS to RBI bonds: What really happens to locked-in money after holder's death
Following V. Panda's death, his parents inherited his assets, but two tax-saving mutual fund investments totaling 675,000 are inaccessible due to a lock-in period. This highlights the importance of understanding lock-in rules for financial planning.
Retired at 50 with Rs 1.50 lakh expenses - Will Rs 4.25 crore MF and equity corpus last lifetime?
A 50-year-old retiree with Rs 1.5 lakh monthly expenses faces a crucial question about their Rs 4.25 crore mutual fund and equity corpus. Experts suggest a 9.5% annualised post-tax return is needed. To ensure longevity, a gradual shift from equity to debt is advised. A balanced portfolio includes 35-65% equity, 12-15% gold, and the rest in debt.
Best balanced advantage funds or dynamic asset allocation funds to invest in November 2025
Balanced advantage funds decide their equity exposure depending on key market ratios or in-house parameters. They invest less in stocks when the market is very high or valuations are stretched. They invest more in equity when stocks are available at attractive valuations. In short, BAFs do the job of juggling equity exposure for investors.
EPFO: How can you delink incorrect member ID from UAN? Here's a step-by-step guide
We provide a step-by-step guide to explain the process of delinking the incorrect member ID from the universal account number. However, if the employer has filed an ECR on incorrect ID, then this process of delinking cannot be done.
What is 45-day interest-free period and how does it benefit credit card holders?
Most credit cards offer up to 45 days of an interest-free period to cardholders to pay their dues. We explain how it works.
For NRIs, what is the tax treatment on pre-IPO share sales?
How pre-IPO investments are taxed once listed, and whether NRIs must obtain an assessing officers clearance before selling unlisted sharesyour key capital-gains and compliance questions answered.
Looking for top 3-year SWPs? 5 conservative hybrid mutual funds to consider
Five conservative hybrid mutual funds delivered strong three-year SWP returns above 10%, led by SBI Magnum Childrens Benefit Fund at roughly 12.8%. ABSL Conservative Hybrid Active FoF and Parag Parikh Conservative Hybrid Fund followed with returns above 11%.
NPS equity funds offer upto 17% return in three years. Heres detailed breakup
NPS fund managers have delivered strong multi-year gains, with several outperforming market indicators. Their consistent performance highlights the National Pension Systems reliability as a long-term, tax-efficient retirement investment option.
HDFC Mutual Fund: RIL, SBI and HDFC Bank among to 10 stock holdings in October
HDFC Mutual Fund, managing assets of Rs 9.35 lakh crore as of October 2025, revealed its top 10 stock holdings for the month. HDFC Bank remained its largest position, while notable changes included increased exposure to RIL and SBI, and reduced holdings in Axis Bank and Bharti Airtel. Weightages for several key stocks such as Infosys and Kotak Mahindra Bank remained unchanged.
Mutual Funds pump Rs 13,000 crore into 10 IPOs in October. Check who took the biggest slice?
Mutual funds poured over Rs 13,500 crore into 10 October IPOs, with LG Electronics India, Tata Capital and Canara HSBC Life emerging as the top picks.
Master Capital Services receives SEBIs in-principle approval for mutual fund sponsorship
Master Capital Services, a subsidiary of Master Trust, has received in-principle approval from SEBI to sponsor a mutual fund. This allows the company to proceed with forming an Asset Management Company and launching various equity, hybrid, and multi-asset schemes. The move aligns with India's growing mutual fund industry and Master Trust's goal of expanding access to managed investment products.
When AQI crosses 400, its not just a health crisisbut a financial one too
Toxic air is no longer only a health hazardit is driving up insurance claims, household medical costs and financial stress for families. The next wave of personal finance must be climate-conscious.
Kotak811 Super.Money credit card launched for users with no credit score. Details here
Kotak811 super.money credit card is a lifetime free card that helps you build a credit score and report, while also enjoying cashbacks on various transactions.
How freelancers can avoid losing up to 7% of income from global clients
For every dollar a client sends, multiple entitiesbanks, intermediaries and payment processorsclaim their cuts for facilitating the transfer.
Gold isn't an investment. It's insurance for your rupee.
Buying gold isn't about earning returns, it's about insuring yourself against global monetary instability that directly erodes the rupees purchasing power, giving you a hedge that transcends borders when currencies weaken worldwide.
Helios Mid Cap Fund increases stake in Paytm, Swiggy and 39 other stocks in October
Helios Mid Cap Fund adjusted its portfolio in October. The fund added shares of Paytm, Swiggy, and IDFC First Bank. It also increased holdings in GMR Airports, Jain Resource Recycling, ITC Hotels, Lemon Tree Hotels, and NBCC India. The fund exited Niva Bupa Health Insurance Company. Tips Music and LG Electronics India were new additions.
8 AMCs saw over Rs 20,000 crore AUM growth in October. Check details
Eight major AMCsincluding SBI, ICICI Prudential, HDFC and Nippon Indiaeach saw over Rs 20,000 crore AUM growth in October, driven by strong inflows across categories.
Dark side of personal loans: THIS is how you can avoid predatory lenders
Personal loans: Borrowers must avoid getting lured by instant loan providers which promise a loan in 20 minutes or so
7 mutual funds trim their exposure in 19 stocks in October
Flexi-cap mutual funds are the top choice for investors for the third consecutive month. October saw significant inflows, indicating a preference for adaptable investment categories. Experts highlight the flexibility offered by these funds, allowing managers to navigate market shifts. This category provides stability with growth potential, making it a core portfolio component for informed investors.
