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The Income Tax Department confirmed that the Income Tax Bill, 2025 does not change tax rates, including long-term capital gains, focusing instead on simplifying language and removing outdated provisions. The bill aims to enhance ease of doing business and reduce taxpayer litigation.
How can large business families divide assets without breaking bonds?
As business families grow more complex, structured approaches can help divide assets while preserving relationships and legacy.
Looking to retire rich? These are top 10 mutual funds with up to 30% CAGR in 5 years
Money and marriage: How couples can manage expenses and investments
Finances are an important portion of life. Getting that right, having the right expectations about money and from each other regarding money, is the foundation on which a good marriage rests. Here are a few tips to ensure that money matters do not contribute to marital discord.
Kotak Active Momentum Fund NFO opens for subscription. 8 things to know
Kotak Mutual Fund has introduced Kotak Active Momentum Fund, targeting stocks with strong earnings momentum using a proprietary model. The NFO is open until August 12, with a minimum investment of Rs 5,000.
Market Wrap: Indian stocks snap 3-day losing run; Sensex rises 447 points, Nifty reclaims 24,800
Indian equities snapped a three-day losing streak on Tuesday, with the benchmark indices climbing as value buying in blue-chip names like Reliance Industries and HDFC Bank buoyed sentiment.
Who should file ITR with income below 2.5 lakh under old and new tax regimes? Check the rules here
People earning below 2.5 lakh may be exempt from filing an income tax return, unless specific financial conditions trigger mandatory ITR submission under current tax rules.
1 in 2 mutual funds lost money in the last year. Is yours on the list?
An ET Mutual Funds analysis shows that over the past year, nearly 61% of equity mutual funds delivered negative returns on lump sum investments. Of 272 funds assessed, 167 underperformed, with some losing over 10%. While top gainers like Motilal Oswal Multi Cap Fund delivered 21% returns, only four funds offered double-digit gains, underscoring the volatility in equity MFs.
Credit card delinquencies hit 33,886 crore: 5 simple habits to avoid falling into debt trap
Credit card delinquencies in India rose 44 per cent to 33,886 crore, reflecting growing financial stress. Here are 5 smart credit card habits to avoid falling into debt.
The Bond Boom: New section can be your guide to a balanced portfolio
Amid global trade shifts, the Indian bond market is thriving with a record issuance of 9.9 lakh crore in FY25. Livemint's new Bonds section, Bond Street, aims to empower investors with insights and resources for informed decision-making in the fixed income landscape.
Selling property? Know what counts as cost of improvement for capital gains calculation
Selling a property after upgrading it? From kitchen remodels to boundary walls, heres what you can claim as improvement cost under tax rules. Mint explains.
NFO Alert: Bajaj Finserv Mutual Fund launches equity savings fund
Bajaj Finserv Mutual Fund introduces Bajaj Finserv Equity Savings Fund. This open-ended scheme invests in equity, arbitrage, and debt. The NFO is open until August 11. The fund aims to balance stability and growth. It combines equities, arbitrage, and fixed income. Minimum investment starts at Rs 500. The fund targets long-term capital appreciation and stable income.
Ashish Kacholia portfolio stock Aeroflex Industries drops 10% after weak Q1 results
Aeroflex Industries shares: The flexible flow solutions manufacturer reported a 42.22% decline in net profit to 7.17 crore for Q1 FY26, compared to 12.41 crore in the same quarter last year. Revenue for the June quarter also fell by 6.04% to 84.33 crore from 89.75 crore in Q1 FY25, indicating subdued demand despite the companys export-focused business and global customer base.
Varun Beverages Q1 Results: PAT up 5% YoY despite 2% dip in revenue
Varun Beverages, PepsiCo's bottling partner, announced its Q1 results. The company saw a profit increase. However, revenue experienced a slight decrease. The Board approved an interim dividend. Despite challenges like unseasonal rains, the company remains optimistic. They are focusing on expanding their reach and product availability. Shares of Varun Beverages saw a slight increase following the announcement.
How you can use these spending-linked deductions to save taxes
Tax-payers opting for old tax regime can claim deduction on education expenses such as tuition fees, preventive health check-up, etc. Certain spending attracts TCS, which can be claimed regardless of old or new tax regime.
NPS equity funds have shown low single-digit returns in the past year due to market volatility, geopolitical tensions, and structural limitations. Experts suggest re-evaluating retirement strategies, considering the benefits of mutual funds for flexibility and potentially higher returns. Managing asset allocation at a portfolio level, with diversified equity and debt mixes, may offer better control and growth opportunities.
Best medium to long duration funds to invest in July 2025
According to Sebi norms, medium to long term funds have a mandate to invest in debt and money market instruments in such a way that the Macaulay's duration of the portfolio is four to seven years. Since these schemes invest in long-term debt instruments, they are considered risky.
TCS slumps 33% from peak. Is the correction an opportunity in disguise?
TCS shares: TCS posted a net profit of 12,760 crore for Q1FY26, marking a 6% year-on-year increase and surpassing market expectations. Revenue grew by 1.3% YoY to 63,437 crore; however, revenue in constant currency terms fell by 3.1%, primarily due to a significant scale-down of the BSNL contract.
IndusInd Bank shares in focus as Q1 PAT plunges 72% YoY. Should you buy, sell or hold?
Brokerages remain cautious on IndusInd Bank amid weak earnings and muted growth. Nuvama reiterated a Reduce rating with a Rs 600 target, citing falling fee income, rising NPAs, and subdued RoA outlook. Motilal Oswal stayed Neutral but raised the target to Rs 830, noting recovery signs, though business growth and asset quality remain concerns.
Bharti Airtel Share Price Live Updates: Understanding Bharti Airtel's Market Position
I-T Department extends deadline for e-filed tax returns erroneously rejected by CPC
The Central Board of Direct Taxes (CBDT) declared on Monday, 28 July 2025, that it is relaxing the time limit for income tax returns (ITRs) that were erroneously rejected by CPC. After the returns are processed, the department will issue the refund with interest if applicable in certain cases.
India logs 65K digital payments worth 12K trillion in 6 years, says govt
India saw over 65,000 crore digital payments worth 12,000 trillion from FY20 to FY25, the government said. Fueled by UPI and targeted policy effort, this digital adoption soared beyond the metros, boosting financial inclusion and bringing millions of vendors and rural users into the formal economy.
Income Tax: What precautions should you take while filing your ITR?
ITR 2025: These are some of the precautions you should take while filing your income tax return.
IndusInd Bank Q1 Results: Cons PAT falls 72% YoY to Rs 604 crore; NII down 14%
IndusInd Bank Q1 Results: IndusInd Bank on Monday reported a 72% year-on-year fall in its consolidated net profit for the June quarter at Rs 604 crore, compared to Rs 2,171 crore in the year-ago period. The private lender's Net Interest Income (NII) in Q1FY26 stood at Rs 4,640 crore as compared to Rs 5,408 crore in Q1 FY25, declining 14%.
6 best co-branded credit cards compared: What you get for travel, dining, and more
Co-branded credit cards offer various benefits like discounts and cashback. Key cards include Standard Chartered EaseMyTrip, Yatra SBI, and Amazon Pay ICICI, each with unique rewards.
Will an NRI minor's foreign bank interest income get clubbed?
If a parent gifts money to a minor child, any income generated from investing those gifted funds must be clubbed with the parents income under Indian income tax laws.
NFO Update: Bank of India Mutual Fund launches BOI Mid Cap Fund
Bank of India Mutual Fund introduces the Bank of India Mid Cap Fund, an open-ended equity scheme targeting long-term capital appreciation through mid-cap investments. The NFO opens July 31 and closes August 14. CEO Mohit Bhatia highlights the fund's aim to capitalize on India's economic expansion and mid-cap growth potential.
Personal loan volume spikes, year-on-year growth drops in FY 2025: Report
The report lists out latest trends relating to borrowing trends of Indian consumers. The report highlights that personal loan POS grew from 10.7 lakh crore to 14.6 lakh crore over two years but year-on-year growth fell sharply from 25.2 percent in FY2024 to 9.1 percent in FY2025.
5 key things to know before taking a personal loan for debt consolidation
A personal loan for debt consolidation can simplify repayments, reduce interest costs and improve financial control when used smartly, especially in managing high-interest debts across the country.
Looking to build a corpus of Rs 1 crore in over 10-12 years? Here is how to invest
To build a Rs 1 crore corpus in 12 years, invest aggressively in diversified equity MFs. Avoid gold; opt for debt funds or FDs for safety. Start SIP of Rs 35,000 monthly.
Freelancing with foreign clients? Know Schedule FA and FIS compliance rules
Income from foreign clients must be declared in Schedules FA and FSI in your ITR. Avoid penalties under the Black Money Act by understanding how to report and claim relief correctly.
Baroda BNP Paribas Overnight Fund turns Rs 1 lakh investment to Rs 1.35 lakh in 6 years
Baroda BNP Paribas Overnight Fund, completing six years, has delivered a 35% return on a Rs 1 lakh investment since inception, crossing Rs 700 crore in AUM. Designed for short-term parking, it offers a 6.33% one-year return with minimal risk, investing primarily in tri-party repo and overnight securities, making it suitable for diverse investors.
A recent analysis by ET Mutual Funds reveals that nearly 41 equity mutual funds have consistently delivered over 15% CAGR across the last three, five, seven, and ten years. Quant Mutual Fund leads with six such schemes, followed by several fund houses with three qualifying funds each. Edelweiss Mid Cap Fund stood out with impressive returns across all timeframes.
ITR filing 202425: Why you should file your income tax return even with zero liability
Filing your income tax return even with zero liability ensures financial credibility, smooth loan approvals, quicker refunds and future compliance benefits across the country, making ITR filing a smart financial step.
NFO Alert: Kotak Mutual Fund launches active momentum fund
Kotak Mutual Fund introduces the Kotak Active Momentum Fund, an open-ended equity scheme leveraging a proprietary model to identify stocks with strong earnings momentum. The NFO opens on July 29 and closes on August 12, targeting companies with increasing EPS and favorable analyst ratings. The fund aims to deliver long-term capital growth through a diversified portfolio of 40-50 high-quality stocks.
NPS equity funds offer up to 9% returns in one year. Check details
Nine out of ten NPS fund managers delivered up to single-digit returns in the past year, with DSP Pension Fund leading at 8.90%, while SBI Pension Fund posted a negative return.
What are credit information companies and why do they matter?
Credit Information Companies (CICs) in India collect and analyse credit data for lenders, influencing loan approvals and credit limits. They also manage dispute processes for credit report errors, playing a crucial role in the credit ecosystem and ensuring regulatory compliance.
Can students build a credit score without a job or income? Here's how
Students can build credit score without income by using secured credit cards tied to fixed deposits. Responsible usage and timely payments are essential for improving credit scores over time.
A matter of trust: Private trusts are not a tax-saving hack. When should you set one up?
A private trust is a beneficial structure for Indian families managing wealth, ensuring succession and asset protection. It serves as a guideline for wealth distribution and is regulated under the Indian Trusts Act, 1882, rather than a tax evasion tool.
What role does digital KYC play in personal loan approvals? All you need to know
Digital KYC is transforming personal loan processing by enabling faster customer onboarding and compliance with regulations. It prevents fraud and identity theft while being mandatory for all personal loans in India, streamlining the verification process for lenders and borrowers alike.
5 brutal consequences of exceeding your credit card limit
Exceeding your credit card limit can trigger hefty penalties, credit score damage, and hidden costs, causing financial distress for users across the nation despite regulatory safeguards in place.
Smallcap mutual funds dominate return charts in 5 & 10 years. Whats driving the surge?
Smallcap mutual funds lead in returns over five and ten years. Experts like Vishal Dhawan suggest their growth potential attracts risk-takers. Small caps benefit from domestic trends. While valuations are high, rebalancing portfolios is advised. Investors poured significant amounts into mid and small-cap funds. Banking sector looks promising. Small cap schemes are risky but offer high returns over long term.
Should you invest in mutual funds to achieve financial independence? Experts speak
Mutual fund: Independence and Retire Early (FIRE) is one of the key financial goals for GenZ investors, incentivising them to set aside a portion of their earning and invest in the long-term assets
Is this wise to use credit card for rental payment? Key points explained
Credit cards offer 45-day zero interest period aside from offering cashbacks and rewards. This typically goes in the favour of using card for rental payment
SBI hit by 5.5 crore personal loan scam What you can learn from this fraud
Banks typically give upto 20 times of monthly salary to borrowers. Borrowers, in this case, used fake documents to inflate their salaries to increase their loan eligibility.
Best medium duration mutual funds to invest in July 2025
As per Sebi mandate, medium duration funds must invest in debt and money market instruments with Macaulay duration of three to four years. As you can see, these schemes are suitable for investors looking to invest for three to four years or more. However, you should check the portfolio duration of the scheme to ensure that the scheme is in line with your investment horizon.
UPL Share Price Live Updates: UPL's Price Movement Today
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Traders hedging stocks at record highs dabble in exotic options
With stocks near peaks and volatility low, investors are seeking sophisticated hedging strategies beyond standard put options. Lookback or re-settable puts, which adjust their strike price as the market rises, are gaining popularity due to their relatively low cost compared to vanilla puts.
Return of meme stock mania has traders on alert for market froth
Meme stock enthusiasm has returned, creating uncertainty for professional investors. Stocks like Opendoor Technologies and Kohl's experienced gains. The S&P 500 and Nasdaq 100 indices reached record highs. Investors are borrowing heavily to buy stocks. Some analysts suggest caution due to high valuations. Comparisons are being drawn to the GameStop and AMC surge of 2021.
The new Strata Elite Card by Citigroup, with a $595 annual fee, seeks to disrupt the luxury credit card market. It promises huge rewards for travel and dining, positioning itself against competitors like the American Express Platinum Card.
Ahead of Market: 10 things that will decide stock market action on Monday
The Indian market closed at a one-month low on Friday, extending its longest weekly losing streak of 2025 amid a broad market sell-off triggered by weak corporate earnings, persistent foreign outflows, and global trade uncertainties.
Mutual fund NFO: 5 new funds will open for subscription this week
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Top 10 mutual funds for SIP to invest with a horizon of 3 years
Domestic vs Global: International mutual funds take lead with up to 6% weekly returns
What India can learn from other countries in term insurance adoption
Term insurance is more than a financial product. It is a public good, a stabiliser and an enabler of inter-generational progress. Countries with high life insurance penetration arent just better prepared for personal loss; they are also economically more resilient.
These bonds offer tax exemption on long-term capital gains. But are they right for you?
These bonds, named after Section 54EC of the Income Tax Act, 1961, offer a tax exemption on long-term capital gains if bought withing six months of selling the asset.
9 equity mutual funds offer over 10% return in 1 year. Are any of these part of your portfolio?
4 equity mutual fund categories offer positive average returns in 1 month. Check details
4 mutual fund positive returns, Here is a detailed breakup (Source: Value Research)
How much time will it take to reach Rs 2 crore with monthly SIP of Rs 10,000?
Are you wondering how long it will take to reach your target corpus of Rs 2 crore with a monthly investment of Rs 10,000?
JioBlackRock Mutual Fund: New entrant in industry eyes profitable and scalable growth in India
An SIP of 10K in this flexi cap mutual fund would have grown to 30 lakh in 10 years. Check how
Mutual Funds: If someone were investing 10,000 every month in Edelweiss Flexi Cap Fund, the total corpus would have grown to 28 lakh
Income Tax: Why is trusting AIS blindly not a great idea? This is what taxpayers can do
It is not uncommon to witness discrepancies in the information recorded in AIS and the actual number. If the information on AIS is wrong, duplicated or pertains to someone else, one can share feedback on it.
Rejected insurance claims? An in-house ombudsman could help
With 17 ombudsman offices overwhelmed by complaints, IRDAI suggests insurers appoint internal ombudsmen to address unresolved issues within 30 days. This initiative aims to improve efficiency and provide quicker resolutions for policyholders, ensuring transparent grievance handling.
Nearly 77% of assets from B30 locations are in equity schemes: ICRA Analytics
As of June 2025, B30 locations accounted for 18% of mutual fund assets, with a strong preference for equity schemes (76.77%). Assets from B30 grew 24% YoY, while institutional investments remained concentrated in T30. Retail investors preferred Non-Associate Distributors, though direct investments remained significant across investor categories.
Indias gig economy in 2025: Growth, formalisation, and financial inclusion explained
India's gig economy has surged to 12 million workers in FY 2024-25, driven by digital connectivity and urbanization. This shift marks a structural transformation in labor, with gig workers gaining recognition and improved access to credit, though challenges like income volatility remain.
This Prime Ministers life insurance scheme provides 2 lakh annual coverage. See details
PM Jeevan Jyoti Bima Yojana offers one-year term life cover of 2 lakh to all the subscribers in the age group of 18 to 50 years for payment of 436 insurance per annum
Stock market volatility cools equity mutual fund launches in 2025. Here is why
Equity fund launches slowed in H1 2025 amid market uncertainty and weak NFO performance. Newer MFs may drive thematic launches, but overall mobilisation is likely to remain below 2024 levels.
How to spot and fix credit report errors that lower your credit score
Credit report errors can lower your credit score, affecting personal loan approvals and interest rates, making regular credit report checks and timely corrections essential for good financial health.
NFO Alert: Zerodha Mutual Fund launches multi-asset passive FoF
Zerodha Mutual Fund has announced the launch of Zerodha Multi Asset Passive FoF, an open-ended fund of fund scheme investing in units of Equity, Debt Index Funds/ ETFs, and Commodity ETFs.
Top 5 equity mutual funds for lumpsum investments with horizon of 3 years
The top five mutual funds for lump sum investments over a three-year horizon have delivered over 30% CAGR, led by ICICI Prudential Infrastructure Fund at 32.87%. However, investors are advised to consider risk appetite and goals, not just past returns.
Kotak Mahindra wants to woo Indias wealthy with Solitaire bankingIs it worth it?
Kotaks new Solitaire program offers loans, premium cards, and family benefits for affluent customers. But do these rewards justify locking away 75L 1 crore?
Midcaps show better resilience than smallcaps over the years. Here is what investors should know
Should you take a personal loan to invest? Pros, cons, and expert advice
Taking a personal loan to invest can increase potential gains but also financial risks. Fixed repayments may conflict with unpredictable investment returns, leading to financial stress.
Income tax filing FY 2024-25: Common delays, penalties, and how to avoid them
Delaying income tax filing in the country can lead to penalties and stress; this guide explains common reasons for late ITRs, penalties, and simple ways to file on time.
Mutual fund NFO: 7 funds are currently open for subscription now. Check details
7 mutual fund NFOs are currently open, including index funds, FoFs, a thematic fund, flexi cap fund, and an ETF. Investors should align choices with risk appetite and financial goals.
Mirae Asset Large & Midcap Fund has delivered impressive long-term returns, multiplying a Rs 1 lakh lumpsum investment 15 times in 15 years. With a CAGR of 19.76% since inception, the fund suits investors seeking long-term capital growth through large- and mid-cap equity exposure.
Does taking a small personal loan help build credit score? An explainer
If you have a poor credit score, you could build your score gradually by repaying a small amount of personal loan first and then raising a bigger ticket loan soon afterwards
Kotak Small Cap Fund and SBI Small Cap Fund among top 4 smallcap mutual funds to invest in July 2025
The funds have been shortlisted based on based on mean rolling returns, consistency in the last three years, downside risk, outperformance, asset size (threshold size is Rs 50 crore).
Are small and mid-cap funds still overheated? THIS is what the latest data shows
The stress test for the month of June reveals that it will take 52 days for HDFC small cap fund to liquidate 50 percent and 26 days to liquidate 25 percent of its portfolio.
Mutual fund houses launch over 100 passive funds in 2025. Will Sebi's new rules shift the trend?
In 2025, mutual fund houses launched over 100 passive funds, outpacing active fund launches due to regulatory advantages. Experts suggest this trend is AMC-driven, not solely investor preference, as passive funds capitalize on market efficiency and low costs, especially with narrow market leadership.
Best gilt mutual funds to invest in July 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.
Jio BlackRock enters Indian MF market with focus on profitability and growth
Jio BlackRock Asset Management, a new entrant in the Indian mutual fund industry, is prioritizing profitability and capturing new market growth over aggressive pricing strategies, unlike Jio's telecom approach. The joint venture aims to offer differentiated products and leverage its tech platform, Aladdin, to reduce costs and provide competitive pricing.
SBI Card discontinues 1 crore air accident insurance coverage. Check details
Till now, select SBI credit cardholders were eligible to complimentary air accident insurance of up to 1 crore. However, this benefit will be discontinued starting July 15, 2025, as part of SBI Cards latest policy overhaul.
ITR 2025: These are the 5 key streams of income liable to tax
Income Tax: The five types of income liable to tax include salary, capital gains, house property, business or profession and income from other sources.
How factor funds are different from actively managed funds or passive funds
Fund houses are increasingly launching factor-based mutual funds as investor interest in quant strategies rises. These funds use rules-based stock selection based on factors like value, momentum and quality, offering diversification but also carry higher costs and cyclical risks.
ITR filing FY 2024-25: 5 smart home loan tax benefits every taxpayer should know
ITR filing FY 2024-25: Maximise your home loan tax benefits under the old tax regime while filing your ITR for FY 2024-25 with key deductions on principal, interest, joint loans and capital gains.
