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Deadline to switch from NPS to UPS fast approaching: Check date, benefits, and top FAQs here
With the deadline fast approaching, the Ministry of Finance has reminded eligible Central Government employees and National Pension System (NPS) subscribers to submit their requests for the Unified Pension Scheme (UPS) by November 30, 2025.
An NRIs guide to winning Indias property game from overseas
For NRIs, buying property in India is a maze of legal paperwork, state rules and intensive due diligence. Heres what they need to know.
Booked a flat for 2030? Here's how to sell mutual funds to claim Section 54F exemption
Section 54F allows a long-term capital gains exemption if the sale proceeds from non-residential assets are fully invested in constructing a new home within three years. Since the Bengaluru flat will be completed in 2030, selling mutual fund or foreign equity holdings around 2027 aligns with the timeline. Careful scheduling ensures eligibility.
Top 5 flexi cap mutual funds offer over 25% CAGR in 5 years
Top flexi cap funds have delivered strong five-year returns, with HDFC Focused Fund leading the list, followed closely by HDFC Flexi Cap and ICICI Prudential Focused Fund
JioBlackRock Mutual Fund receives Sebis nod to launch four new active funds
For lumpsum investment, the minimum amount in all these four funds will be Rs 500 and any amount thereafter and for SIP, the minimum amount in all four funds will be Rs 500 and in multiples of Re 1 thereafter.
RBI issues draft guidelines for weekly credit score updates: How will this impact you?
RBI has released a draft with directions for the weekly update of credit information from the current fortnightly updates. The faster updates will help banks with more accurate credit underwriting and borrowers with better access to loans on better terms.
Tech mutual funds drop 9% so far in 2025. A buying opportunity or warning sign?
Technology funds have seen an average 9% drop in 2025, making them the biggest losers. Experts suggest this could be a buying opportunity for seasoned investors, but caution retail investors due to the inherent volatility of sectoral funds. Despite recent underperformance, some see a promising medium-term future for Indian tech, especially with AI's potential.
How to report a fraudulent credit card transaction? Follow THESE simple steps
Swift action is vital when facing credit card fraud, from blocking your card to filing official complaints and safeguarding future transactions, ensuring stronger protection and financial security for cardholders.
Bessent signals Christmas timeline for new Fed Chief
The race to select the next Federal Reserve Chair has intensified as U.S. Treasury Secretary Scott Bessent concludes second-round interviews. Kevin Hassett is viewed as the frontrunner, though the White House calls reports speculative. Five candidates remain, with betting markets split as rate cuts and economic risks shape the decision.
Portfolio management and asset allocation lessons from the Mahabharata
Each such portfolio has its own risk and return strategy and grows at a specific rate to deliver the required corpus to meet the goal. Most of us are comfortable with such a strategy. But, is this the right approach?
Best medium duration mutual funds to invest in November 2025
If you are looking for a debt mutual fund where you can park money for four years or more and are ready to take some risk and volatility, you can consider investing in medium duration funds.
Flexicap funds top equity inflows in October with Rs 8,930 crore boost
Flexicap funds are leading equity mutual fund inflows, attracting Rs 8,930 crore in October. Wealth managers favor this category for its flexibility across large, mid, and small-cap stocks. These funds offer investors a diversified approach without the need to pick individual stocks. Flexicap funds are ideal for moderate-risk investors with a five-year horizon seeking steady wealth creation through SIPs.
Through mutual funds, local brokers and GIFT City there are several routes to invest in American companies and stock markets. We list out the key points here
What are sectoral mutual funds? Strategy, concentration risk and overlap explained
Sectoral mutual funds offer targeted investments but can lead to overexposure in familiar stocks. They provide opportunities for high-risk investors and diversify portfolios while allowing commitment to specific themes. However, they are risky as performance heavily relies on one sector's success
SIB has launched SIB Power CONSOL, a new loan product aimed at simplifying debt management through lower interest rates and single EMI payments. It targets individuals aged 30-55, offering consolidation loans from 10 lakh to 3 crore with minimal documentation and zero processing fees.
Led by PSU banks, large-ticket personal loans grow over 37% in value in Q2: report
CRIF High Mark's latest report How India Lends - shows a stable retail credit cycle in India, with strong demand for home, auto, and gold loans. Large-ticket personal loans have seen significant growth, while PSU banks increase their market share, reflecting the evolving lending landscape.
Can PPFAS large-cap fund beat index funds on execution edge?
PPFAS MFs proposed large-cap fund will mirror Nifty 100 weights but rely on futures, merger opportunities and index-rebalancing tactics to deliver slightly better returns than index funds at similar costs.
Indian equities extended their decline for a third consecutive session on Tuesday, November 25, as a volatile derivatives expiry day impacted the market. The Sensex and Nifty closed lower, with major banking and IT stocks contributing to the downturn. While PSU banks saw gains, IT, Auto, FMCG, and Oil & Gas sectors faced significant pressure.
Wealth Company Mutual Fund gets Sebi's nod to launch Specialised Investment Fund
We plan to offer several products under the SIF umbrella to cater to different risk and asset allocation preferences of clients, Madhu Lunawat, Founder, MD & CEO of The Wealth Company Mutual Fund, said in a statement
ITR Refund delay: The ITR filing deadline for this year was September 16 and taxpayers have been expecting their tax refunds for a while now. Ravi Agrawal said that taxpayers can expect their ITR refunds to be credited to their accounts soon.
Navi AMC launches Nifty MidSmallcap 400 Index Fund; NFO open till December 5
Navi AMC has launched the Navi Nifty MidSmallcap 400 Index Fund, Indias first index fund tracking the Nifty MidSmallcap 400 Index, which combines the Nifty Midcap 150 and Nifty Smallcap 250 indices. The New Fund Offer (NFO) opened on 24 November and will remain available until 5 December, with a minimum investment starting at Rs 100
Shopping, gifts, travel: How to enjoy wedding season without hurting your credit score
Wedding season spending can strain finances, but smart budgeting, mindful credit utilisation, and timely repayments can help protect your credit score while managing celebrations responsibly.
What is a systematic withdrawal plan and how it works
A systematic withdrawal plan, or an SWP, works as the opposite of a systematic investment plan or an SIP.
Debt-to-income ratio explained: The key factor behind personal loan eligibility
A low debt-to-income ratio strengthens personal loan eligibility by showcasing repayment capacity, improving approval chances, reducing borrowing costs and supporting a healthier overall credit profile for responsible applicants.
CGAS explained for property sellers: Latest changes and how they reduce your tax
You can now use electronic modes to deposit money in CGAS, open accounts with private banks
Personal loan closure: What it really means for your credit score
If a personal loan closure alters an individual's credit mix and credit age, it can result in a slight temporary decline in credit score. If the personal loan is the only credit instrument, its closure will halt the progress of your credit score and history.
Consultant vs employee: Which role actually leaves you better off?
Many employees think they would fare better financially as consultants due to tax benefits. How far is this correct? What are the risks of an employee being reclassified as a consultant?
Why index funds score over buying individual stocks for retail investors
Many new investors entered the market post-COVID. While individual stock picking aims for higher returns, it's challenging. Index funds provide a simpler, diversified, and low-cost alternative. They offer market-level performance and operational ease. Passive fund assets have seen significant growth, highlighting their rising popularity among investors seeking steady wealth creation.
ICICI Prudential Large Cap Fund turns Rs 10 lakh to Rs 1.15 crore in 17 years
ICICI Prudential Large Cap Fund has delivered impressive returns. A Rs 10 lakh lumpsum investment made at inception in May 2008 has grown to Rs 1.15 crore. The fund has achieved a CAGR of 15% since its launch. Over the last five years, it provided a CAGR of 19.97%.
Can these 5 mutual funds help you achieve Rs 1 crore in a decade? Heres what an expert says
An investor aims for Rs 1 crore in ten years with a Rs 20,000 monthly SIP and a 10% annual increase. An expert review indicates this may fall short. To achieve the target, the monthly SIP needs to be Rs 30,000. The investor's current portfolio is well-diversified across various fund categories.
Freeze your credit report: When you should do it and why it matters
A credit freeze helps safeguard your financial identity by blocking unauthorised access to your credit report, reducing fraud risks while keeping your existing accounts and credit score fully unaffected.
The scorecard showcased that consistent performance is not confined to a single style or segment, with steady funds emerging across market caps and strategies
5 personal loan mistakes that can push you into long-term debt
A personal loan can offer essential financial support, but avoiding overspending, multiple loans, EMI delays and missed prepayment opportunities is crucial to prevent long-term debt and protect your credit health.
Top 7 flexi cap mutual funds to invest in November 2025
The analysis shortlists leading flexi cap funds using rolling returns, consistency, downside risk, outperformance and asset size. Several funds show improving quartile rankings. Flexi cap schemes suit moderate investors with a five- to seven-year horizon seeking long-term wealth creation.
DSP Mutual Fund launches Nifty Midcap 150 and Smallcap 250 based 4 passive funds
DSP Mutual Fund has launched four new passive schemes, including two index funds and two ETFs, focusing on the Nifty Midcap 150 and Nifty Smallcap 250 indices. These offerings provide investors with low-cost, rules-based access to the dynamic mid- and small-cap segments of the Indian equity market. The new fund offers are open for subscription until December 8.
Top 10 mutual funds to invest through SIP with a horizon of 3 years
Several mutual fund categories, including gold, value, midcap, smallcap and sector-focused schemes, have delivered strong SIP performance over recent periods. The list highlights funds that showed steady wealth creation while reinforcing that past returns should not guide final investment choices
Mutual fund AUM to bank deposits surged nearly 3 times in 10 years: Franklin Templeton India MF
Indias mutual fund industry is witnessing strong growth as assets swell, SIP activity climbs, equity inflows stay resilient and investor participation expands across regions, supported by rising interest beyond major cities and steady long-term market confidence.
Nominee vs legal heir: Clearing the biggest misconception in Indian inheritance
Many Indians assume a nominee inherits their money but the law says otherwise. Nominees are only custodians, while legal heirs or beneficiaries named in a Will ultimately own the assets.
Will a new loan pull down your credit score? Heres what the expert says
A new personal loan can briefly reduce your credit score due to hard checks, but responsible repayment, limited applications and disciplined borrowing habits help strengthen long-term credit health and financial stability.
In Nifty-50 companies too, shareholder resolutions where more than 20% of Institutional Shareholders voted against decreased to 9% of total resolutions (or 54 in number) as compared to 11% of total (or 64 resolutions) in the same period last year, according to Pranav Haldea, Managing Director, PRIME Database Group.
Tata Asset Management unveils Titanium SIF, a hybrid long-short fund under Tata Mutual Fund
Tata Asset Management has launched the Titanium Specialised Investment Fund (SIF), a hybrid long-short strategy designed for investors with higher risk tolerance. The fund dynamically combines equity, debt, and derivative exposures to navigate various market phases, aiming for better risk-adjusted outcomes. It offers a unique mix to participate in market upswings while cushioning downside risks.
Planning to buy luxury items with the loan money? Make note of THESE key points
Although it is not a rational thing to buy a luxury item with loan money but there could be some exceptions to the rule. Here we list out few advantage as well as disadvantages of opting for it
PPFAS may eye IPO in 2030 as earlier listing could raise heavy tax burden for employees
Parag Parikh Financial Advisory Services is eyeing a 2030 IPO, as employee stock options conclude around 2029-2030. Chairman Neil Parikh indicated this timeline, citing potential tax benefits for employees. The fund house also plans a new large-cap fund in January 2026 and is exploring NPS and specialized investment funds.
Nifty nears record highs. What should mutual fund investors do now SIP, lumpsum or book profits?
With the Nifty just shy of its all-time high, mutual fund investors are debating whether to continue SIPs, invest lumpsum, or book profits. Experts advise sticking to SIPs, using lumpsum only during meaningful corrections, and rebalancing portfolios that have turned equity-heavy. They caution against profit-booking unless a financial goal is approaching within three years, stressing long-term investing over market timing.
A leader in fixed income management oversees a vast debt portfolio. Their investment philosophy prioritizes safety, liquidity, and returns. This approach involves rigorous credit assessment and active duration management. The strategy combines long-term views with tactical adjustments. Continuous monitoring of global and economic factors guides decisions. The focus remains on delivering sustained outperformance for investors.
The end of indexation: How Indias real estate wealth play is shifting from patience to pace
For decades, property rewarded those who waited. The new tax laws will reward those who move.
Best gilt mutual funds to invest in November 2025
Gilt funds are not recommended to regular debt investors because they are risky and volatile. Gilt funds suffer the most when the rates go up. The bond prices and yields move in opposite directions. When the rates go up, bond prices come down. This drags down the NAVs of schemes.
Rudra Chatterjee, Managing Director of Luxmi Tea Group, discusses the company's historical ties to India's freedom struggle, the evolution of tea culture, and the importance of resilience in business amidst global uncertainties.
With Bitcoin prices down 30%, is this the right time to invest in cryptos? Explained
Bitcoin prices have been on a decline for past few weeks currently hovering around $86,000, 30% down from all time high on 6 October
Mint Explainer | How do new labour codes impact your gratuity and PF?
The new labour codes have overhauled how wages, gratuity, provident fund, pension and other social security benefits are calculated. Mint explains who benefits and if your take-home salary is affected.
The bonus era returns: How families must rethink budgets as variable pay grows
With companies pushing performance-linked pay deeper into the workforce, household cashflows are becoming lumpier and harder to plan. Heres how families can adapt.
Six new NFOs, including five passive funds, to open for subscription on Monday
Equity mutual funds fall over 7% in a week; international schemes lead the losers list
Equity mutual funds fell over 7% during the week of November 1721, with international schemes dominating the losers chart.
Gold and midcaps lead 10-year returns; heres the full scorecard
Multiple investment segments have delivered over 17% returns over the past decade.
How much capital gains tax applies when you sell mutual funds across categories? Explained
How much capital gains tax is levied on the sale of mutual funds depends on two factors holding period and category of mutual fund. We deconstruct the nuances here
Early gratuity after 1 year - check beneficiaries, new labour code rules, when are they applicable
New labour code: Amid several path breaking changes that are announced in these labour reforms, one of the noticeable ones is the provision of early gratuity which employees will be entitled to after one year of service.
JioBlackRock and Parag Parikh Liquid Funds among top 5 low cost and high return funds in 3 months
Maharashtra and Delhi among top 10 states to contribute maximum to average AUM in October
Top 10 states was recorded at Rs 79.79 lakh crore as on October 2025.
Top 5 mid cap mutual funds to invest in November 2025
ETMutualFunds has handpicked the top mid-cap mutual funds by analysing their mean rolling returns.
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
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%.
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.
Best corporate bond mutual funds to invest in November 2025
Considering near-term or three-year-plus goals? Corporate bond funds, investing in top-rated companies, offer relative safety. While interest rate hikes remain a concern, these funds provide a stable option.
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.
Thinking of investing in debt funds? Key risks and precautions you must know
Investing in debt funds is complex and risky. Key risks include interest rate risk, credit/default risk, and concentration risk.
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
Credit scores and car: Impact on auto loans, insurance and leasing
Credit score impacts all forms of borrowing from personal to car loans. Higher the score, better the chances of securing a loan on convenient terms and lower interest rates
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.
