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NPS solves the biggest retirement challenge: generating steamarket-linked income
The introduction of the Retirement Income Scheme marks a significant shift in retirement planning, moving from just accumulating wealth to ensuring a steady income stream. With features like predictable cash flow and automatic risk reduction, retirees can enjoy peace of mind.
5 types of digital banking fraud in India and safety tips to protect your money
Digital banking frauds in India are rising as scammers use UPI scams, phishing attacks and OTP frauds, making online banking safety and awareness important for every user.
Digital living wills: a guide to costs, steps, trends and risks of advance medical directives
Digital living wills are emerging as a practical solution amid increasing awareness of the need for such advance medical directives in India due to changing family dynamics and potential medical incapacitation.
5 simple Demat account opening steps and smart stock market investing tips for beginners in India
Indias stock market investing boom is creating new wealth opportunities. Simple Demat account setup steps, beginner investing tips and long-term strategies can help investors grow their money wisely.
How bond prices and yields work: Hidden risk most investors overlook in fixed income markets
The real risk in bond investing often lies not in the asset class, but in the investors speculative approach to it.
As healthcare costs rise, understanding health insurance policies is crucial. Key factors affecting claim payouts include sum insured, room rent eligibility and co-payment clauses.
Gold is trading near $4,450 and silver is around $72 to $78.50, as rising oil prices and geopolitical tensions affect the inflation outlook and investor sentiment. Focus is on how the US-Iran dispute unfolds. A peace deal can provide much-needed respite from rising inflation and commodity prices.
ITR-2 filing begins: Who should file, who cannot Check eligibility, exclusions, deadlines
The Income Tax Department has launched online filing for ITR-2 for assessment year 2026-27, targeting individuals and HUFs with income from capital gains and other sources. Eligibility criteria are specified, while ITR-1 and ITR-4 have also been made available for small and medium taxpayers.
West Bengal CM Suvendu Adhikari launched the 'Annapurna Bhandar' scheme, offering 3,000 monthly assistance to eligible women. Applications can be submitted online or offline, with verification ensuring benefits reach the right recipients.
EPFO 3.0: Want to withdraw 100% of your PF money? Check the latest withdrawal rules
EPFO subscribers will soon be able to access their provident fund savings directly through UPI, reducing paperwork and waiting times. Members can withdraw 50% to 75% of their EPF balance. The new system aims for a paperless experience, with testing completed and rollout expected soon.
US degree now costs more than a 2BHK in Bengaluru and Gurgaon How parents are prioritising
Indian parents face emotional and financial challenges sending children abroad for education, with costs rising to 5 crore by 2036 due to rupee depreciation and tuition hikes. Despite high expenses, 90% still prefer overseas studies, relying on long-term investments to ease the financial burden.
Speculation about the 8th Pay Commission grows as central government employees await long-promised salary revisions. Reports indicate the Centre may not meet all union demands, including a higher fitment factor, raising doubts about substantial pay hikes amid rising inflation pressures.
Most banks will be closed on May 28, 2026, for Bakrid/Eid al-Adha, a gazetted public holiday. Central government offices will also observe this day off, replacing the previously scheduled holiday on May 27.
Who is a Resident but Not Ordinarily Resident and what are the tax implications?
Most returning NRIs are eligible for RNOR status for nearly two to three financial years, depending on their earlier duration of stay in India. Failing to claim this status properly can result in foreign income being unnecessarily subjected to Indian taxation
Attention taxpayers! The tax department has today enabled excel utility for income-tax returns for AY2026-27 (FY25-26) for online form ITR-2 on its official e-filing portal. Here's all you need to know
Bank FDs offer senior citizens a secure investment option for managing expenses like medical and living costs. Here is a comparison of fixed deposits from various public, private and small finance lenders
Are gifted shares taxed in India? Key rules, exemptions explained
Previously, the person making the gift was liable to pay tax under the provisions of the Gift Tax Act
Credit Card APR explained: How annual percentage rate works and why it matters for users
High credit card annual percentage rate (APR) charges can quietly increase debt and monthly expenses. Understanding the concept behind APR can help credit card users manage repayments wisely and avoid costly interest charges.
Should you use your annual bonus for prepayment of an outstanding home loan?
For a 30 lakh home loan, utilizing an annual 2 lakh bonus through lump-sum prepayments can save significant interest and reduce tenure. Early repayments enhance financial flexibility, while higher EMIs offer a structured but less flexible approach.
A 75,000 monthly salary can stretch further with smart expense planning, disciplined savings, SIP investments and controlled lifestyle spending to build long-term financial stability.
Credit utilisation ratio: How CUR impacts your credit score and what you can do to improve it
Unlock financial control with a clear understanding of the credit utilisation ratio, a key factor that shapes your credit score, influences lending decisions, and supports strong financial health through disciplined credit use and timely repayments.
8th pay commission: The panel is set to meet stakeholders, unions, and employee representatives across states in June and July 2026. Check here for the full list of cities with planned visits in the coming months
DA: Why is Dearness allowance important? Why does Centre form a pay commission every 10 years?
The 8th pay commission has called meetings with various employee groups to gather information before it makes recommendations. We explore why Dearness allowance (DA) important and why the Centre forms a pay commission every 10 years
Looking where to invest lumpsum for 3 years? These 5 mutual funds lead with 30% gains
Gold-based mutual funds and value index schemes emerged among the best-performing lumpsum investments over three years, delivering up to 36% CAGR and significantly outperforming many equity, debt, and passive funds.
I asked ChatGPT how to survive a sudden layoff on a 14 LPA salary. The AI gave me a 'stop-loss' rule
I asked ChatGPT how to survive an unexpected layoff on a 14 LPA salary. The AIs answer revealed how quickly savings, EMIs and lifestyle costs can spiral out of control.
Personal loan on your mind? Smart planning before taking one can save your wallet
Smart borrowing starts with careful planning before taking a personal loan. It will help manage EMIs, interest rates, credit score and repayment capacity for stronger financial stability and disciplined debt control.
A Bengaluru couple recently hosted a destination wedding at Jim Corbett National Park and shred the costs associated with it. Advocating for financial prudence, they detailed their expenses in an Instagram video.
The 8th Pay Commission has confirmed meetings in Bhubaneswar on 67 July. Stakeholders are required to submit the prescribed request forms and memoranda before key consultation deadlines. Check the details carefully before submitting the forms.
Could 2 lakh really buy a comfortable, and stress-free international holiday for a vegetarian Indian couple in 2026? ChatGPT compared Thailand, Vietnam, Bali, Malaysia and Sri Lanka factoring in flights, Airbnbs, caf culture, shopping, vegetarian food and hidden costs.
Sebis salary-to-mutual fund proposal could change how Indians invest
Sebis proposal allowing salary deductions for mutual fund investments could boost saving discipline, reduce behavioural spending leakage and accelerate MF adoption.
What should you check while investing in sectoral and thematic funds? Key risks to look out for
Unlike diversified equity funds, these schemes have a concentrated portfolio, making it important for investors to thoroughly analyze risk factors before investing.
Six equity mutual funds have achieved over 20% CAGR across three, five, and seven-year periods, with all originating from midcap and smallcap categories. Nippon India Mutual Fund led with two funds, while Edelweiss, HDFC, Invesco, and Quant each had one fund on this exclusive list.
Why retail investors chasing higher returns in bonds are running into hidden risks
As falling fixed deposit rates push Indian savers toward corporate bonds and online debt platforms, many retail investors are underestimating the credit, liquidity and product risks behind high yields.
Eight midcap stocks, including Indian Overseas Bank, RVNL, and Adani Total Gas, were avoided by mutual funds in March 2026, with Ventura largely calling decisions prudent except for MCX.
ITR filing AY 2026-27: You could legally reduce tax on half your earnings Heres who is eligible
Section 44ADA simplifies tax filing for self-employed professionals by allowing them to treat half of their income as profit, reducing paperwork and taxable income. Eligible professionals include doctors, lawyers, and freelancers, who can file ITR-3 or ITR-4 under this scheme.
Why insurance industry needs a distribution revolution, not just a digital one
Indias insurance industry has become faster and more digital, but low penetration shows trustnot accessremains the biggest challenge for meaningful financial protection.
EPFO subscribers may soon withdraw funds directly to their bank accounts via UPI, eliminating employer sign-off and processing delays. Labor Minister Mansukh Mandaviya announced the initiative, which allows instant QR code transactions at ATMs, benefiting over seven crore members.
Family feud over inheritance? Heres how to avoid years of litigation
When a business patriarch dies without a Will or succession plan, disputes can quickly spiral. Experts explain how families can avoid years of costly litigation.
Rising yields put pressure on gilt funds, experts recommend tactical approach
Gilt funds invest in government securities. These funds are sensitive to interest rate changes. Rising yields have recently led to weak returns for gilt funds. Investors should consider gilt funds when bond yields are high. These funds are not ideal for those seeking stable returns or high liquidity. Understanding interest rate cycles is key for gilt fund investors.
Banks may be closed on May 27 or 28 for Bakrid/Eid al-Adha, depending on the state. Public holidays apply to central and most state government offices. Online banking and ATMs remain operational, allowing customers to perform transactions despite bank closures.
Atal Pension Yojana: Scheme, eligibility, pension payout, tax benefits of APY, explained
The Pension Fund Regulatory and Development Authority's Atal Pension Yojana is a government initiative that seeks to create a universal social security system providing pension cover for the poor, underprivileged, and unorganised sector workers.
The truth about NRI deposits: India is not losing them, says ClearTax's Archit Gupta
As concerns about NRIs withdrawing money from Indian bank accounts have been gaining traction recently, here's a closer look at the numbers and what they mean.
Employees provident fund: For international workers and those working in a foreign country, here's what the EPFO's Social Security Agreement means. We explain how it works and other key FAQs answered
Equity vs debt mutual fund taxation: How your MF gains are taxed in India
Mutual fund taxation in India varies by fund type and holding period. Equity funds face different tax rates for short-term and long-term gains, while debt funds purchased after April 1, 2023, are taxed at income tax slab rates. Details here.
Sweep-in fixed deposit facility: A smart way to partially withdraw from FD and earn higher returns
A sweep-in facility is a feature that helps you earn better returns on excess funds lying idle in your savings or current account. Under this facility, any sum in your savings account above a pre-set limit is automatically transferred into an FD.
How are profits from intraday and Futures & Options trading taxed in India? Explained
In India, intraday trading profits are taxed as speculative business income, while Futures & Options trading profits are non-speculative. Here are the income tax rules.
Can you still claim money from a dormant bank account? RBI says yes here's how
Forgotten savings still belong to you. Dormant bank account rules in India explain how to recover unclaimed deposits from the RBIs DEAF fund with simple verification and KYC steps. Understand the rules, build knowledge and take steps to reclaim your funds.
DA hike: States hike dearness allowance for employees, pensioners Check full list here
The Centre increased the Dearness Allowance to 60% effective January 1, impacting millions of central government employees and pensioners. Following this, various states and organizations, including Indian Railways and the IBA, announced hikes. Here's a look:
NRI sending money to parents in India: Are overseas transfers taxable?
Indians working abroad can send money home tax-free to parents, as long as they are classified as specified relatives. While remittances are not taxed, income from investments made with that money may be taxable. Details here.
These 5 small cap mutual funds deliver over 20% annualised returns in 3 years. Do you own any?
Five small cap mutual funds delivered over 20% annualised returns in the last three years, led by Bandhan Small Cap at 29.1%. Passive small cap index funds also posted strong gains, while several popular active small cap schemes remained laggards with single-digit returns.
Skip the paperwork with these must-have government apps in India that simplify digital payments, travel, transport services, and secure document storage for a faster and smarter digital lifestyle.
MSMEs need more than loans; they need data-driven credit pathways
MSMEs face challenges in obtaining loans due to informal income records. Data-driven lending utilizes bank statements and AI to assess creditworthiness, enabling personalized loan products. This approach supports financial inclusion, ensuring that lenders understand repayment capabilities.
Can you afford a Japan trip on a 10 lakh salary? I asked ChatGPT and Gemini
I asked ChatGPT and Gemini if I can afford to travel to Japan on a yearly salary of 10 lakh. The chatbots outlined a blueprint for me to follow.
What does a credit score enquiry really mean for you?
A lender just accessed your credit report. Before you panic or ignore it here's what a credit enquiry actually means for your score and your financial life.
Who are Indias biggest mutual fund managers? Check the top 10 names
ICICI Prudential Mutual Funds Sankaran Naren emerged as the top mutual fund manager by assets under management in the March 2026 quarter, overseeing Rs 1.59 lakh crore. The list of top fund managers managing over Rs 1 lakh crore AUM also included Rajeev Thakkar, Chirag Setalvad, Amit Ganatra, Shreyash Devalkar, and Sailesh Raj Bhan.
ATM cash not dispensed but amount was debited? 6 steps you should take immediately
ATM cash not dispensed but amount debited can cause stress, but RBI rules ensure refunds. Immediate proof saving, complaint filing and escalation help secure quick reversal of funds.
From petrol and milk to daily essentials, households are feeling the impact of rising prices due to the war in West Asia. But which top 5 products exactly got costlier and cheaper in April 2026? Lets explore this.
As petrol and diesel prices rise again, economists warn the impact could soon spread beyond fuel pumps. From vegetables and groceries to transport, delivery services and manufacturing costs, higher diesel prices are expected to push inflation higher across multiple sectors of the economy.
8th Pay Commission fitment factor demands spark hopes of a major salary rise, with proposals from 3.0 to 4.0 set to reshape pensions, allowances and minimum basic pay.
Explained: What are REITs and how do they work? Heres what investors should know
Investors can now gain real estate exposure through REITs, an alternative to direct property purchase. These trusts pool funds to invest in income-generating properties like offices and malls. REITs offer potential returns between fixed deposits and equities, with yields ranging from 6% to 9%. They distribute a significant portion of rental income to unit holders, providing periodic payouts.
Cashless health claim approved at admission, rejected at discharge? Heres why
Irdais 1-hour cashless approval rule has sped up claim decisions, but many policyholders now face sudden rejections during treatment or at discharge.
Gold and silver prices on MCX declined due to profit booking amid rising inflation concerns triggered by escalating US-Iran tensions. Silver prices fell more than 1% to 2.73 lakh per kilogram on MCX, pressured by a stronger US dollar and elevated crude oil prices
Insurance Ombudsman: Should policyholders be allowed professional representation?
A Karnataka High Court ruling allowing legal representation before the insurance ombudsman has reignited debate over whether the systems promise of speedy dispute resolution comes at the cost of fairness for policyholders.
Heres what you need to know about this months Social Security payments.
ITR filing 2026: How to e-verify your return? 5 key points to know
As taxpayers prepare to file income tax returns, e-verification is essential for validity. Failure to e-verify may result in penalties or delayed refunds. Details here.
A small savings scheme provided by India Post, Kisan Vikas Patra is offering 7.50% interest this quarter. Over a full term, it promises to double your investment. Here's how investors can apply for KVP at your nearest post office
Freelancer tax guide: How to report overseas client income and pay taxes in India
Freelancers in India earning from foreign clients must report this income on their tax returns, as it is fully taxable. They can opt for presumptive taxation under Section 44ADA if conditions are met. Details here.
Employees Provident Fund: Here's how EPF subscribers can file a grievance or complaint with EPFO, the retirement fund body. We take you through the step-by-step process and social media alternatives.
Taxpayers can log into the official e-filing portal for assessment year 2026-27, and the tax department has issued clarifications. So, here are the precautions you should take while filing your income-tax returns (ITR):
The Life Insurance Corporation of India (LIC) is launching two New Jeevan Sathi joint life insurance plans Single Premium and Limited Premium in June 2026. Check eligibility, policy features, benefits and more
Can recovery agents threaten or harass you? Here's what the new RBI rules say no excessive calls
RBIs 2026 recovery rules aim to curb harassment and strengthen borrower protection, with strict action against intimidation by banks and NBFC agents. Recovery agents cannot harass borrowers, while borrowers must also understand and fulfil their financial responsibilities.
How to avoid TDS deduction on EPF withdrawal: Eligibility and rules explained
Withdrawing from your EPF before five years may incur TDS if the amount is over 50,000. Exemptions exist for those with nil tax liability who can submit Form 121. Details here.
20/4/10 rule explained: How this budgeting formula can prevent car loan stress
Hooked on a shiny car but worried about loan stress? Start with the 20/4/10 rule to protect your finances: 20% down payment, 4-year loan, and total car costs under 10% of your monthly income. Read on to understand the basic concepts before you lock in with a fresh car loan EMI.
Rupee near record low How it impacts your daily expenses, investments, travel, and EMIs
If you feel that weaker rupee is just a macroeconomic factor and staying behind the picture, here's a reality check. Here's how it could impact your daily life, from investments, travel, to your EMIs.
8th pay commission: Here's how central government employees, pensioners, representative groups, unions and stakeholders can submit their feedback to the 8th CPC online. Check the step-by-step guide here
Indians sending money abroad for various purposes must comply with new income tax forms 145 and 146, replacing Forms 15CA and 15CB. Details here.
Top 5 silver ETFs by lowest tracking error that closely mirror silver prices
Tracking error is one of the most important factors to check while choosing a silver ETF. It shows how closely an ETF follows the actual movement of silver prices. A lower tracking error means the ETF is doing a better job in mirroring silver prices.
The job market is changing; AI is prompting me to adapt by enhancing my skills and expanding my network. Check how ChatGPT helped me improve my job search.
8th Pay Commission updates: Delay in wage revision could increase govt's fiscal costs, says expert
Momentum around the 8th Pay Commission builds as consultations expand across states, with growing focus on salary revision, pensions, HRA and fiscal planning for government employees.
DA, DR hike: Difference between dearness allowance and dearness relief, explained
Dearness allowance (DA) and dearness relief (DR) are salary components for central government employees and pensioners, revised biannually based on inflation both aimed at offsetting cost-of-living increases.
Paytms Pocket Money feature allows teenagers to pay without bank account
The 'Pocket Money' feature from Paytm enables teenagers to use UPI payments while parents maintain control over spending. With limits on transactions and monthly spending, it fosters responsible money management and provides real-time visibility into a teen's spending patterns via the Paytm app.
NPS vs NPS Sanchay: Key differences between the two retirement schemes explained
The National Pension System (NPS) is a popular retirement scheme in India. PFRDA introduced NPS Sanchay for informal sector workers, differing from regular NPS in eligibility and structure.
Sebi has uncovered a stock manipulation scam involving unregistered finfluencers who misled retail investors via social media, earning over 20 crore in illegal profits. The case highlights rising risks of social media stock fraud and the need for stronger investor awareness.
HDFC Flexi Cap among 7 mutual funds that multiplied investors money up to 17x in 20 years
The hidden cost of carrying your home loan
Equity investing will continue to create wealth into the future. But when the spread between borrowing costs and expected returns narrows, balance sheet strength is just as important as portfolio returns, if not more.
Direct stocks or mutual funds? Expert shares strategy to achieve Rs 7 crore goal in 12 years
An investor's mutual fund portfolio was reviewed, revealing a need for better alignment with long-term goals. Experts advised shifting focus from direct equities to mutual funds, increasing SIPs annually, and diversifying beyond momentum-based index funds to achieve a Rs 7 crore target.
If you purchased gold, how did the import duty change affect your gold purchase locally? The import duty prices are included by the jeweller in the gold prices, which also fluctuate based on other conditions.
Mutual funds are cutting exit loads. What does this mean for your investments?
Fund houses across India are trimming or removing exit loads, the charges levied when you redeem your fund units before a specified holding period - usually one year - is up.
