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The I-T department has replaced the old Form 10E with the new Form 39 for taxpayers to claim relief on salary arrears and specified receipts under Section 157(1) of ITA 2025. Here's all you need to know
I asked ChatGPT and Gemini what how much home loan i can afford on a 7-9 lakh salary. Here's what advice the chatbots gave me
The RBI has announced premature redemption for Sovereign Gold Bonds on 20 April 2026. Investors stand to gain over 200% from their initial investment, benefiting from both capital appreciation and 2.5% annual interest during the holding period.
5 mutual funds add 11 smallcap stocks to their portfolios in March. Check which ones
Five mutual funds added 11 smallcap stocks to their portfolios in March, according to Nuvama Institutional Equities. SBI Mutual Fund and ICICI Prudential Mutual Fund led additions, while Axis, Nippon India and Quant Mutual Fund also picked select names, reflecting active portfolio management in the smallcap segment.
JioBlackRock Mutual Fund: HDFC Bank, ITC and Infosys among top 10 stock holdings in March
JioBlackRock Mutual Fund, a new entrant, reported an AUM of Rs 15,258 crore in March, with HDFC Bank and ICICI Bank as its top holdings. The portfolio also includes Bharti Airtel, Reliance Industries, Infosys and ITC, based on data from Prime Database.
Nine midcap stocks, including Physicswallah and Jubilant Foodworks, may be downgraded to smallcap in AMFIs H2 CY26 rejig, according to Nuvama Institutional Equities. Revised market capitalisation thresholds could trigger reclassification, impacting mutual fund portfolios and stock positioning across categories.
New ITR forms for AY 2026-27 require investors to disclose NBFC, HFC and corporate fixed deposit interest under Schedule OS. Here's what you must report before 31 July 2026.
Building wealth for your family is only half the job. The other half nobody does.
Decades of disciplined investing can unravel overnight if families cannot locate accounts or understand succession rules. A Will and a simple financial map can prevent chaos.
Balanced advantage funds move in sync with marketsbut not in the same way
Indias top five BAFs in terms of investor assets cut and add equity through the cycle, but differences in models drive sharp variation in timing, range and conviction.
A survey reveals that 31% of consumers feel cheated when buying silver, with 93% supporting mandatory hallmarking to ensure purity and quality of silver products.
DA hiked by 2%: Salary boost for govt employees - How much more will you take home?
The new DA hike of two per cent is an increase over the existing rate of 58 per cent in the Basic Pay. The hike now takes the Dearness Allowance to 60 per cent.
Buying products on low-cost EMIs? Here's how it can burn a bigger hole in your pocket in long run
Lower EMIs mean paying less immediately but losing much in the long run. Here we explain how.
Tax clearance required every time you leave the country? PIB fact checks viral claim
Under Section 230 (of the Income Tax Act, 1961), tax clearance certificates are not mandatory for all individuals, said PIB
A LinkedIn post by a CA discusses how high income does not guarantee wealth, citing lifestyle inflation as a key issue. Many earners struggle to save due to rising expenses, emphasising the need for better financial planning. Details here.
At 6% inflation, 1 crore will lose significant purchasing power over 20 years, equating to roughly 31 lakh today. Investing wisely can help maintain value, as leaving money idle in savings accounts risks financial stability due to inflation's impact on real income.
Why most SIP investors fail midway And how the 7-5-3-1 rule can help you create real wealth
The main challenge in mutual fund SIPs is staying invested long enough to benefit from compounding. The 7-5-3-1 rule emphasises patience, diversification, and emotional discipline to build long-term wealth, showing that staying invested for at least 7 years significantly increases portfolio value.
SBI Mutual Fund : HDFC Bank and Infosys among top 10 stock holdings in March
Wipro among 18 stocks from which these 7 mutual funds made complete exit in March. Check details
Centre approves 2% DA and DR hike for central govt employees, pensioners ahead of 8th Pay Commission
The government has approved a 2% increase in Dearness Allowance (DA) for central government employees and Dearness Relief (DR) for pensioners. Details here.
What are arbitrage funds? How they work, who should invest, and other details
Arbitrage Funds are low-risk hybrid mutual funds that profit from price differences between cash and futures markets. While minimising risks, these funds are not entirely risk-free and may underperform in bearish markets. Here's all you need to know.
5 equity mutual funds offer over 15% annualised return on SIP investments in 10 years. Check details
Akshaya Tritiya remains proven entry point for gold investors: Motilal Oswal
Gold continues its role as a trusted asset for Indian households, blending tradition with financial security. Investors are showing increased interest in flexible gold options alongside traditional purchases. Global factors like geopolitical tensions and economic growth concerns support gold's appeal. The outlook for gold remains constructive for medium to long-term investors, with a 'buy on dips' strategy recommended.
Planning to buy Gold on Akshaya Tritiya? Heres how to check hallmark and purity of 24K, 22K Gold
With Akshaya Tritiya near, gold buying is set to rise. Buyers must ensure jewelry authenticity using these steps
Mutual Fund SIP: Why is making the first crore the hardest thing to do?
The toughest part of building a 10 crore retirement fund is reaching the first 1 crore, which may take 14 years. However, with compounding and consistent SIP investments, subsequent crores can be accumulated significantly faster
Hidden cost of delaying investments: Starting SIPs late can kill crores from your portfolio
Starting early in investment significantly impacts wealth creation due to compounding. Aman, investing 5000 at 25, accumulates 2.75 crore by 60. Delaying investment reduces returns, emphasizing the importance of timing over the amount invested.
Credit cards provide a grace period for interest-free payments if the full amount is repaid by the due date. Paying only the minimum incurs high interest on remaining balances, late fees, and potentially losing the grace period. Details here.
Capital gains from property sale? How to balance tax saving with long-term wealth creation
Investors selling property face a choice: reinvest for tax savings or maximize long-term wealth. Financial expert Shweta Jain advises a balanced approach for a 10-year horizon, suggesting a mix of high-growth equities and stable instruments. While reinvesting in property offers tax benefits, it limits liquidity. Diversification is key for optimal returns and financial flexibility.
The official reference date for the 8th Pay Commission is 1 January 2026. But because the commission has 18 months to submit its final report, it would place the finalisation around mid-2027.
Multiple sources of income can include monthly interest, quarterly dividends, quarterly REIT, InvIT distributions, alternative investments, freelance projects, etc.
8th Pay Commission: 32,400 to nearly 69,000 basic pay? Fitment factor for govt salary hike decoded
8th Pay Commission: Fitment factor is the multiplier that converts old basic pay into revised basic pay. Here's how the minimum basic pay could rise depending on the various fitment factors demanded by employee unions, and those projected by brokerage firms
National Savings Certificate vs tax-saving FD: Which offers better returns?
While both NSC and tax-saving FDs have a standard 5-year duration, they differ in several key factors, including interest rates and compounding intervals.
As equity markets hit their lowest point in six years, conservative investors are increasingly gravitating toward fixed deposits.
Millions of Indians are investing every year, but not everyone is building wealth Heres why
A large share of those new entrants are first-timers. Many came in during a bull run and haven't yet seen a serious correction. That matters, because the biggest threat to their wealth won't be a bad fund, it'll be their own reaction when markets turn.
Early investment in the Sukanya Samriddhi Yojana secures a stronger financial future for a girl child through long-term compounding, tax-free returns and disciplined savings.
PMS or AIF: Where are HNIs finding better risk-adjusted returns?
Studies show that top PMS strategies have generated around 60 basis points of excess return per month over benchmarks. More importantly, roughly 7 out of 10 PMS strategies have beaten their benchmarks. Thats not easy, especially in markets where beating the index itself is tough.
In India, people buy gold on Akshaya Tritiya, depending on specific muhurat timings which vary from one city to another. From Kolkata, Delhi to Mumbai, other cities we bring you a list of the city-wise timings for Akshaya Tritiya
Secure your future with these government-backed schemes in India that offer stable returns, tax benefits, and predictable income, making them ideal for long-term financial planning in 2026.
6 AMCs see over Rs 50,000 crore AUM drop in March; top 2 see Rs 1 lakh crore fall
Want regular income from mutual funds? Here is why SWP offers more control than dividend
Generating a steady income from investments is a common goal for many investors, especially those looking to balance growth with regular cash flow.
Income tax penalties can occur due to default in tax payments, incorrect reporting of income, and, in some cases, misreporting of income, which is considered a severe issue. Here's when 50% and 200% fines apply.
Zero tax on 20 lakh CTC? How a smart car lease can cut your tax under the new regime
Smart salary structuring unlocks major tax savings on car leases under the new tax regime, showing how a 20 lakh CTC can significantly reduce taxable income and enhance take-home efficiency.
Your Cibil score could update faster. Here's what changed
RBI has mandated lenders to report credit data weekly instead of fortnightly to ensure more accurate and fresh credit scores. This shift enables faster loan approvals and quicker score recoveries for borrowers but also means defaults are detected much faster.
PPF investment: How to build a 1 crore corpus at 7.1% and how long it takes
The PPF crorepati reality check shows that disciplined, long-term investing at 7.1% can build 1 crore over 25 years, highlighting tax-free compounding, stability, and the need for patience.
HDFC Mutual Fund: HDFC Bank and Infosys among top 10 stock holdings in March
Gold ETFs have rallied up to 61% since last Akshaya Tritiya, driven by geopolitical tensions, central bank buying, and safe-haven demand. Experts advise sticking to asset-allocation disciplinebooking profits only if gold exceeds target weights. While valuations look stretched, long-term investors may continue SIPs as structural drivers remain supportive.
7 mutual funds trim stakes in 20 midcaps. Heres how money moved in March
Twelve stocks signaled bullish momentum by moving above their 200-day moving averages, indicating strengthening trends and potential upside continuation.
PPF vs ELSS vs NPS: Where does 5,000/month grow the most? 15-year returns compared
PPF, ELSS, and NPS are popular tax-saving investments, differing in structure, eligibility, and returns. Here's the best tax saving option.
Trump accounts explained: Eligibility, contribution limits, tax benefits for parents
Trump accounts explained: A new savings scheme, referred to as Trump accounts, is designed to help families start building wealth for children from birth. Here's how it works.
Investing in children's future is crucial for parents, with options like Sukanya Samriddhi Yojana, NPS Vatsalya Yojana, and PPF accounts. These plans help build savings for education and healthcare, offering tax benefits and high interest rates, ensuring financial stability.
Secure retirement planning can turn a 50 lakh retirement corpus into a balanced income engine. Here is how you can blend SCSS, mutual funds, equities and debt for inflation-beating, tax-efficient long-term financial stability.
Asset allocation involves distributing investments across various asset classes to manage risk and return. Common categories include fixed-income instruments, equities, and precious metals. Here's what investors should know.
6 reasons why first-time borrowers find it tough to maintain a healthy credit score
First-time borrowers often damage their credit score due to poor awareness, high utilisation and missed repayments, making disciplined financial planning essential for building a strong and sustainable credit profile.
Lumpsum vs SIP: What mutual fund investment will make you more money? Here's which to choose
SIPs and lumpsum are two approaches an investor can take when venturing into mutual funds. Here's a look at how both work, what are the benefits and which you should choose depending on your risk appetite and financial goals.
Bajaj Life rolls out Nifty 500 Low Volatility 50 Index Fund for ULIP investors: All you need to know
Bajaj Life Nifty 500 Low Volatility 50 Index Fund offers ULIP investors stable, long-term growth through a disciplined, low-volatility equity strategy.
AMFI Rejig: BSE and Vodafone India among 8 midcap stocks that may get largecap status
Nuvama Institutional Equities predicts eight mid-cap stocks may be upgraded to large-cap status by AMFI in its H2 CY26 rejig. This potential upgrade is based on current market capitalization trends, with the largecap cut-off expected to be around Rs 1.04 lakh crore. Indian Bank, Bosch, Jindal Steel, and Indus Towers are among the prominent names anticipated to transition.
Which sectors attracted mutual fund interest in March? Check details
Mutual funds favored Healthcare, Technology, and Utilities in March, increasing their weights. While most sectors saw value declines, Infrastructure, Technology, and Healthcare experienced the least. Private Banks maintained the highest weightage despite a slight dip, and NBFC-Non Lending saw significant over-ownership.
Market fall exposes flaws in aggressive mutual fund bets. Time for a reset?
Fund investing, which investors once saw as easy to manage independently, suddenly looks very discomfiting and complex in 2026. Investors feel unsure if their portfolios are constructed correctly, whether their choices carry good long-term prospects, and doubt their capability to generate returns.
New labour laws: Here's how much your in-hand salary changes for 6 lakh CTC
Effective from this fiscal year, the new labour laws are reshaping your monthly compensation structure with more focus on long term and retirement savings. Here's how much your in-hand salary is likely to be impacted for 6 lakh CTC
Equity-oriented mutual funds saw a 17.38% year-on-year growth in average net assets under management in March 2026, driven by strong investor confidence. Flexi cap funds emerged as the largest and fastest-growing category, with average net AUM rising 25.10% to Rs 5.28 lakh crore.
PPF rules explained: Why your investment may stay locked in for more than 15 years
The Public Provident Fund (PPF) has a 15-year lock-in period, starting from the end of the financial year in which the first deposit is made. However, investors may face a longer lock-in period, depending on the deposit date.
Mutual funds deploy Rs 1,878 crore across 4 IPOs in March. Check details
Mutual funds invested Rs 1,878 crore across four IPOs in March, led by Sedemac Mechatronics and Central Mine Planning & Design Institute. The data highlights strong institutional participation in new listings, with sizeable allocations and shareholdings reflecting confidence in select offerings during the primary market activity.
Mutual fund SIPs not enough for Rs 3 crore goal in 12 years? Heres how to bridge the gap
Planning for long-term financial goals through mutual funds requires not just consistency, but the right asset allocation and regular portfolio reviews.
Why Aditya Birla Sun Life MF's Balasubramanian sees a 10-year bull market beyond the dip
A. Balasubramanian, CEO of Aditya Birla Sun Life MF, views market corrections as conviction tests, urging investors to increase allocations during red periods to lower average costs. Mint explores the funds strategic deployment of cash into mid- and small-caps
New tax regime allows meal card benefit 5 conditions to claim 200 per meal tax-free
From April 1, 2026, the tax-exempt limit on employer-provided meals have been increased to 200 per meal, up from 50 earlier. Here are the key conditions to claim the benefit.
Individual policy, family floater, or top-up: Which is the most cost-effective?
With employer insurance often falling short, a top-up plan can offer a cost-effective way to build adequate family health protection
8th Pay Commission: NCJCM's 69,000 basic pay proposal and 3.83 fitment factor explained
8th Pay Commission proposal sparks buzz as NCJCM suggests 69,000 minimum basic pay for Group C employees, based on an elaborate table of expenses, driven by rising living costs, higher fitment factor and detailed expense-based calculations.
Consent-driven credit: Why consumer-controlled data is shaping the future of lending
Consent-driven credit is reshaping lending in India by giving consumers control over their financial data through the Account Aggregator framework. This shift is improving credit access, accuracy, and trust, especially for underserved borrowers.
Mutual funds raise tech exposure in March after 8-year low. Tactical move or trend reversal?
Mutual funds raised tech exposure in March after an eight-year low, driven by tactical rebalancing and improved valuations. Experts say global cues like US tech recovery and easing rate concerns are aiding sentiment. Despite recent losses of up to 25%, the sector outlook remains gradually positive, supported by AI and cloud trends, though near-term volatility persists.
6 mutual funds made complete exit from 12 smallcap stocks in March
Six mutual funds fully exited 12 smallcap stocks in March as part of active portfolio rebalancing, according to Nuvama Institutional Equities. HDFC, SBI and Nippon India Mutual Funds led the exits across multiple stocks, while others trimmed select holdings, reflecting cautious positioning and ongoing churn in the smallcap segment.
PPF investment: How 5K monthly grows to 41 lakh and why investing before the 5th matters
The Public Provident Fund (PPF) is a long-term savings option favored by risk-averse investors for its government backing and tax benefits. Here's how much 5K, 10K and 12K investments can grow over 15 years and with 5-year extensions.
The 8th Pay Commission is reviewing salary hikes and pension structures for central government employees, with various consultations scheduled in 2026. Here's how the fitment factor, DA, arrears and other elements are decided.
New labour laws: Here's how much your take-home pay changes for 10 lakh CTC
Take-home salary to decrease? Effective from this fiscal year, the new labour laws are reshaping how your salary is credited each month with more focus on long term and retirement savings from the government.
How much monthly income does 10 lakh FD generate in 2026? Check bank-wise returns and interest rates
Steady wealth creation meets certainty, as 10 lakh FD monthly income highlights how bank rates, tenure choices and geopolitical complications make fixed deposits even more attractive in 2026.
Want to leverage your gold for a line of credit? We explain what gold loan and gold overdraft facility is, what you get you and which is the better choice based on your needs.
How to build 50 lakh tax-free corpus using Sukanya Samriddhi Yojana to secure your daughter's future
A powerful long-term savings plan through Sukanya Samriddhi Yojana (SSY) can help parents build a 50 lakh corpus for their daughter through disciplined monthly investing, tax-free growth, and early financial planning.
How much should your SIP be to make 2.5 crore in less than 25 years?
The right approach is to work backwards from your financial goals. These typically include major life milestones such as purchasing a house, funding childrens education, marriage, and planning for retirement.
Gold loans are not easy money in a volatile market
The gold loan market has reached a record 16 trillion, but rising delinquency rates signal emerging credit stress. As market volatility triggers margin calls, experts warn that over-leveraged borrowers risk financial exclusion if gold prices continue to fluctuate.
Estate planning: What is a settlement deed? Can it override a will? We explain
Estate planning is crucial for family clarity after one's passing. Here's all you need to know about a settlement deed, why it is prepared, how it functions alongside a will, and what key factors to consider before opting for one.
New labour codes: Why your tax burden may rise under revised salary structure explained
With the introduction of new labour codes, salary structures are changing, requiring basic pay and allowances to constitute at least 50% of total CTC. This shift could increase taxable income, particularly affecting mid- to senior-level earners in key sectors, according to experts.
Rule of 72 decoded: This is how long PPF, FD, SCSS and SSY take to double your money
The Rule of 72 shows how various small government schemes, such as PPF, FD, SSY and SCSS, help investors estimate wealth-doubling time, compare returns and plan long-term safe savings effectively.
SIP portfolio under pressure? Heres how to plan for a Rs 3-4 crore retirement corpus
A 34-year-old investor's Rs 30,000 monthly SIP portfolio, despite diversification, has seen short-term losses amid market volatility. Experts advise a more aggressive equity allocation and disciplined investing to achieve a Rs 3-4 crore retirement corpus by age 56, emphasizing compounding and regular reviews.
NFO Alert: SBI Mutual Fund launches two constant maturity index funds in financial services
SBI Mutual Fund has launched two new passive debt index funds, targeting short-term investment needs in the financial services sector. These funds, SBI CRISILIBX Financial Services 36 Months Debt Index Fund and SBI CRISILIBX Financial Services 912 Months Debt Index Fund, offer transparent, low-cost solutions. The NFO is open until April 20, with a minimum investment of Rs 5,000.
You can accumulate 55.88 crore by initial savings of 30 a day
How to become rich: Using the 15% annual step-up, one can accumulate 55.88 crore in 35 years by saving 30 a day and investing them in monthly SIP
The Wealth Company MF unveils SIF brand, launches two funds with differentiated strategies
The Wealth Company Mutual Fund, part of the Pantomath Group, has launched its SIF brand WSIF along with two new funds featuring differentiated long-short strategies. The new fund offerings aim to combine equity investing with tactical hedging approaches, marking the fund houses entry into the emerging Specialised Investment Funds category.
AMFI reshuffle: Mazagon Dock, GAIL may slip to midcap; Vodafone Idea eyes largecap upgrade
Mazagon Dock Shipbuilders and GAIL are among eight stocks that may be downgraded to the midcap category, while Vodafone Idea, currently a midcap, could be upgraded to the largecap segment in AMFIs semi-annual rejig in H2 CY26, according to Nuvama Institutional Equities.
Transfer tax on shares, mutual funds: When it is tax-free and when it is not explained
Equity shares or mutual fund units can be transferred within families without capital gains tax if they are gifts. Here are the documents you need to avoid disputes, along with other details.
5,000 SIP: regular vs step-up, how a small tweak can add lakhs to your corpus
Power your wealth creation with disciplined investing: a mutual fund SIP comparison between a regular SIP and a step-up SIP with a 2% annual increase shows that compounding builds higher long-term returns.
Mutual funds made complete exit from 7 stocks in March. Check details
Mutual funds made a complete exit from seven stocks in March, according to monthly data released by Prime Database.
Gold ETFs shine amid rising geopolitical tensions and strong gold price rally: ICRA Analytics
Gold ETFs have seen a sharp rise in investor preference amid geopolitical tensions and a strong rally in gold prices, ICRA Analytics said. AUM surged nearly 65% CAGR over five years to Rs 1.71 lakh crore, while inflows jumped to 2,266 crore in March 2026, highlighting growing demand for safe-haven assets.
8th Pay Commission: NC-JCM Staff Side seeks 69,000 minimum pay, 6% increment annually check details
The National Council-JCM proposes a minimum basic pay of 69,000 for the 8th Pay Commission, aiming to benefit over 50 lakh government employees. Recommendations include higher increments, pay restructuring, and HRA indexing to inflation for better financial support amid rising costs.
