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Sending money abroad in 2026 now demands stricter compliance with Form 145 and 146 for foreign remittances. India has streamlined disclosures, ensured accurate TDS and improved transparency for overseas payments.
Buying a term insurance plan? Here are key things to know before you decide
A term insurance plan covers life for a fixed period and pays out to nominees upon death. Key considerations include insurer credibility, sum assured and essential add-ons.
Market noise is rising. Heres how to protect your money now
From emergency funds and SIP discipline to loans and asset allocation, top advisors lay out a practical playbook for navigating volatility and job uncertainty.
InvITs: the middle path between equity risk and debt stability
Allocation to InvITs in your portfolio can be a good diversification avenue. Apart from mild price appreciation, it provides a hedge against inflation.
Best short duration mutual funds to invest in April 2026
Short duration mutual funds offer investment opportunities for one to three years. These funds invest in instruments like treasury bills and corporate bonds. They provide a moderate risk profile, less than long-term funds but more than liquid options. Investors seeking stability for short-term goals can consider these schemes.
Is pension taxable in India? Rules, exemptions and how to declare it in ITR
Pension income in India is taxable based on type. Regular pensions are taxed as salary, while commuted pensions can be partially exempt. Full details here.
Brave new world: Why global investment strategy matters more than ever
Mint Horizons comes to Gurgaon in May offering insights into overseas investing. Experts will discuss the impact of geopolitics, and diversification strategies.
Social Security payment on April 29: Is there a check coming today?
Social Security payments are made on the second, third, and fourth Wednesdays of each month. In April 2026, payments were issued on the 8th, 15th, and 22nd, with no payments on the 29th. Next payments are on May 13, 20, and 27.
8th Pay Commission: Last date to submit stakeholders' suggestions extended; check details
The deadline for submitting the 8th CPC memorandum has been extended, as the government gives stakeholders extra time until 31 May 2026 to share suggestions on pay, pension and service conditions.
Money tips for May: 5 simple hacks to boost your credit score
You can boost your credit score with simple habits that build financial strength. Paying on time, keeping utilisation low, and regularly monitoring your credit profile can help you secure better loans, flexible repayment terms and lower interest rates.
Planning your investments now? Heres how these 6 mutual fund calculators can help
Mutual fund calculators help investors estimate returns, plan investments, and achieve financial goals through tools like SIP, step-up SIP, SWP, lumpsum, and index calculators. They simplify decisions, improve clarity on growth, and enable disciplined, goal-based financial planning with realistic assumptions.
I asked ChatGPT how to earn extra 20,000 every month; check AI's personal finance master plan
To increase monthly income by 20,000, ChatGPT suggests specialisation in solving specific issues for small clients. Check out the complete personal finance master plan.
Planning to invest lumpsum for 5 years? Here are top 5 mutual funds that lead the chart
Smita's monthly expenses are 1.25 lakh. To maintain her lifestyle in 25 years, she will need 5.37 lakh monthly. To generate this, she should aim for a retirement corpus of around 16.2 crore, ideally starting with a monthly investment of 67,000.
8th Pay Commission: NC-JCM meeting begins key pay, pension talks; what to know
The 8th Central Pay Commission is conducting consultations to address pay revisions and pension reforms for central government employees and pensioners. Key discussions include salary structure and fitment factors, with the report expected by May 2027, impacting millions across the country.
Groww Banking & Financial Services and 4 other banking sector funds had cash allocation up to 9%
Banking sector mutual funds held up to 9% of their assets in cash as of March 31, 2026, signalling a cautious stance amid market conditions. Groww Banking & Financial Services Fund topped the list, followed by Taurus, LIC MF, Baroda BNP Paribas, and Mahindra Manulife funds with notable cash allocations.
Gift tax rules explained: When cash, wedding gifts, jewellery and property become taxable?
Seema learned that gifts exceeding 50,000 are taxable, as she received a tax notice for unreported jewellery and cash. All gifts above this limit are taxable, with specific rules for weddings and employer gifts. Movable and immovable properties also have tax implications based on their value.
Estate planning: Landlord dies during eviction casecan legal heirs continue it? Supreme Court says
The Supreme Court ruled that eviction cases can continue after a landlord's death, allowing legal heirs to pursue the case and state their own need for the property. This decision aims to prevent delays caused by requiring new filings.
Edelweiss Mid Cap Fund among 13 equity mutual funds to offer over 20% CAGR in 3 and 5 years
A recent analysis revealed that thirteen equity mutual funds have delivered over 20% CAGR in both the last three and five years. Among these top performers, seven were midcap funds, four were smallcap funds, one was a multicap fund, and one was a large and midcap fund. These funds represent strong historical performance in the Indian mutual fund market.
Robert Kiyosaki warns of 202627 market crash: 6 Rich Dad Poor Dad lessons to save wealth
Robert Kiyosaki's market crash warning highlights risks and opportunities, while Rich Dad Poor Dad lessons guide investors to build wealth, manage risk, and stay prepared during downturns.
ICICI Prudential Mutual Fund announces change in fund management of two funds
ICICI Prudential Mutual Fund has announced changes in fund managers for two schemes effective May 1, with S Naren exiting both. The Passive Multi Asset FoF and Global Advantage FoF will see revised management structures. The update comes amid ongoing reshuffles within the fund houses portfolio management teams.
Index funds: fewer stocks matter more than you think
Indias passive investing boom is masking a simple reality: a handful of stocksand sectorsdrive a disproportionate share of returns.
Best medium to long duration funds to invest in April 2026
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.
If nuclear disaster strikes, who pays? Inside Indias insurance blind spot
As nuclear energy expands and liability laws evolve, individuals remain uncovered for nuclear exposureleaving the government as the ultimate risk bearer.
Warren Buffett receives a Social Security cheque calculated like everyone else's, based on his 35 highest-earning years.
After a pay raise, how much more should you put into SIPs?
Following a salary hike, investors face the question of increasing monthly SIP contributions. Financial planners advise annual increases to combat inflation and align savings with rising income and goals. Automating these increases via step-up SIPs or top-ups is an option, though manual reviews are also recommended to adapt to real-world financial changes.
Update PF KYC online through UAN portal: Step-by-step guide to prevent claim rejection
PF KYC online update via UAN portal enables employees to correct Aadhaar-linked details, reduce PF claim rejection and ensure smooth verification and withdrawal access.
NSC interest rate at 7.7% for AprilJune 2026: Key features, returns and rules explained
The NSC interest rate for 2026 remains unchanged for the April to June quarter, offering higher returns than many fixed deposit schemes, thereby reinforcing its appeal as a stable, government-backed small savings scheme with fixed returns and tax benefits.
HDFC ERGO Optima Secure vs Optima Secure Plus: Compare key features, benefits, and long-term value to choose the right health insurance based on your evolving financial and medical needs.
Should you track your mutual fund's cash levels?
As the Nifty 50 tumbled 11% in March, fund managers unlocked their war chests to buy the dip, albeit in vastly differing ways. We examine whether tracking these cash calls is vital for your portfolio, or something you can ignore.
Bandhan Small Cap Fund, 6 others deliver over 20% CAGR since inception. Should you bet?
Bandhan Small Cap Fund has delivered the highest CAGR since its inception on February 25, 2020. The fund generated a CAGR of 28.79% and managed AUM of Rs 20,129 crore as of March 2026.
HSBC Mutual Fund announces launch of its SIF platform, RedHex
HSBC Mutual Fund introduces RedHex SIF, a new specialized investment fund in India. This offering provides investors with focused strategies and portfolio flexibility. It operates within the familiar mutual fund structure, emphasizing transparency and governance. RedHex SIF targets experienced, institutional, and HNI investors with a minimum investment of Rs 10 lakh.
Silver outperforms gold, equity, and bonds over 10 years. Heres how
Over the past decade, silver has outshone gold, equities, bonds, and real estate to become the best-performing asset class, driven by strong long-term returns and favourable supply-demand dynamics.
8th Pay Commission 2026: Latest updates on formation, consultation stage, website issues, expected salary revisions, fitment factor speculation and implementation timeline for central government employees and pensioners across the country.
Will you have to pay higher TDS on your FD, RD interest income? What New Income Tax Act says
The Income Tax Department clarified TDS on bank interest, creating confusion among investors regarding Fixed Deposits. Section 194A dictates TDS rules, with banking companies exempt from TDS on interest below specified thresholds.
Holding 15 mutual funds? Heres how to cut overlap and reach Rs 2 crore goal
Investors often over-diversify with too many mutual funds, leading to duplication and management issues. A viewer's portfolio of 15 funds was analyzed, revealing significant overlap. Experts recommend reducing to 5-6 high-quality schemes aligned with goals and risk, while also addressing the corpus shortfall.
When will your mutual fund investment become 4x? This rule has the answer
Rule 144 is simply 2 Rule 72. Just as Rule 72 estimates doubling time, Rule 144 estimates quadrupling time.
Tata AMC launches Titanium equity long-short fund under SIF; key features, risks explained
Tata's Titanium Equity Long Short Fund employs a dynamic investment strategy that combines long and short equity positions to manage volatility and target capital growth across changing market conditions.
Beyond summer camps and classes: lifelong money lessons for your child
Summer activities are often seen as a way to keep children occupied. But they can also become an entry point into financial thinking.
International funds have delivered up to 50% returns in one year, supported by a global tech rally, rupee depreciation, and strong earnings. But with fresh subscriptions halted due to RBIs overseas investment limits, experts say investors should stay invested, rebalance if allocation has risen sharply, and avoid chasing short-term returns.
Ronald Wayne, Apple's third and forgotten co-founder, sold his 10% stake for $800 just 12 days after signing the founding agreement in 1976. Now 91, he says the decision was right even as that stake approaches $400 billion in value today,, after 50 years.
REITs, InvITs beat equities and debt in a six-year span
Alternative assets like REITs and InvITs have surpassed traditional investments. These instruments offer attractive returns and tax efficiency. Investors are increasingly drawn to these assets for predictable cash flows. The market cap of these listed entities provides ample diversification opportunities. Investors can anticipate strong internal rates of return over a four-year holding period.
Dearness Allowance: Is DA in salary subject to income tax? Is it part of CTC? Check latest FAQs here
The Finance Ministry announced a 2% increase in Dearness Allowance for central government employees and pensioners, effective January 1, 2026, raising it from 58% to 60%. Here's all you need to know about the pay component
Shubh Health Criti is a unit-linked life insurance plan offering a market-linked health fund covering 60-plus critical illnesses, enabling tax-free medical withdrawals, premium stability and proactive health planning.
Top LIC Child Plans 2026: Compare Jeevan Lakshya, New Children's Money Back and Jeevan Tarun, highlighting IRR returns, survival benefits and long-term education savings solutions. Before locking in on any plan, do consult certified investment planners.
EPF savings: Why ignoring EPS records can cost you your retirement income
EPF contributions are vital for retirement savings, with both employees and employers contributing 12% of basic salary. Employer contributions also fund the EPS, providing monthly pensions. Monitoring EPS records is crucial to avoid discrepancies that can affect retirement benefits.
SCSS vs SSY vs SBI FD vs PPF: Returns, lock-in, tax benefits, and who should invest
SCSS vs SSY vs SBI FD vs PPF comparison highlights interest rates, lock-in periods, tax benefits and suitability, helping investors in the nation choose stable, low-risk savings options in uncertain markets.
Sold your new house too soon? Heres what happens to your Section 54 exemption
Experts explain the tax impact of selling a reinvested house within three years and whether NRIs can claim India-UAE DTAA relief without a current-year TRC.
Global gold demand as ETF inflows and bar and coin buying surged, shifting consumption away from jewellery. Rising prices curbed discretionary purchases, while investment demand strengthened globally and in India amid geopolitical uncertainty, diversification needs, and sustained central bank accumulation.
EPF calculator: 5,000 monthly investment can grow to 80 lakh in 30 yearsreal value explained
EPF contributions accumulate interest annually at 8.25%, combining employee and employer inputs. A consistent monthly contribution can yield substantial returns over 30 years. Here's all you need to know.
Despite a challenging FY26, marked by volatility and weak benchmark returns, eleven mutual funds across categories consistently outperformed, delivering superior risk-adjusted returns and showcasing resilience through changing market conditions and trends.
The trilemma of insurance: Working the Impossible Trinity of Insurer, Hospital and customer
The insurer that trusts good hospitals retains them. The hospital that bills responsibly earns faster approvals. The customer who engages honestly pays lower premiums.
Check out ITR Filing 2026 deadlines for FY 202526 and AY 202627, covering key income tax return due dates, revised filing timelines, belated return provisions and essential compliance updates for all taxpayer categories in the country.
Reported wrong income in your ITR? Heres how you can avoid up to 200% penalty
Incorrect income reporting can lead to penalties under the Income Tax Act, 2025 with fines up to 200%. Taxpayers can avoid such steep penalties by voluntarily disclosing errors and paying required taxes. Details here.
Planning for childs overseas education with Rs 2 crore? Heres how you can secure your retirement too
Investing a Rs 2 crore corpus effectively requires prioritising goals and building a strategic, inflation-adjusted allocation across equity, debt, gold and cash to fund a childs overseas education, future marriage, retirement and emergency needs.
Why is Aadhaar not considered as a date of birth proof? UIDAI explains
It is up to the Aadhaar user to determine their own view on the use of Aadhaar for purposes relating to establishing the date of birth.
Parents can choose from government-backed savings options like NPS Vatsalya and Sukanya Samriddhi Yojana for their children. Sukanya is for girls only, offering fixed returns, while NPS Vatsalya is market-linked. Details of each scheme here.
Did Nirmala Sitharaman promote a platform promising 30 lakh monthly returns? Heres the truth
The video, identified as AI-generated, falsely asserts an initial deposit of 22,000 can yield 30 lakh per month. Citizens are advised to verify information through official sources.
FDs or debt funds: Where should you park surplus money in a high interest rate phase?
Investors are reassessing investment choices due to rising fixed deposit rates and market fluctuations. Experts advise maintaining a long-term equity strategy for aggressive investors, even with short-term volatility. The decision between FDs and debt funds depends on liquidity needs and tax brackets. Diversification within equity portfolios is also recommended for wealth creation.
8th Pay Commission latest: Minimum pay demands, fitment factor and complete FAQs guide
8th Pay Commission (8th CPC) is in an active consultation phase as of April 2026, reviewing demands from BPMS, PSNM & NC-JCM and other stakeholders. With the final decision on salary & pension awaited. Stakeholder meetings are ongoing across India before the Commission submits its final report.
I asked ChatGPT how to pay off 25-Year home loan in 15 years: Check personal finance advice from AI
ChatGPT advises a Bengaluru couple to increase their home loan EMI and make annual prepayments to close their loan early. Check the complete set of suggestions.
MF Tracker: Bank of India Small Cap Fund tops 5-year returns. Should you chase the winner?
Bank of India Small Cap Fund leads five-year returns with a 30.83% CAGR. The fund shows strong performance across various periods, driven by disciplined stock selection and focus on business fundamentals. Experts highlight sector exposure and India's growth themes. However, concerns about current valuations and sustainability of high returns exist. Investors should consider risk tolerance and long-term goals before investing.
Silver and gold commodity based ETFs rally up to 3%. What should investors do?
Silver and gold ETFs saw gains of up to 3% on Monday, despite a lower opening for bullion prices on MCX. Rising crude oil prices fueled inflation concerns, reinforcing expectations of prolonged high interest rates. Experts suggest this consolidation phase offers an attractive window for long-term investors to accumulate precious metals.
Best gilt mutual funds to invest in April 2026
Gilt funds are being recommended to aggressive debt investors for potential double-digit returns during anticipated RBI interest rate cuts. These funds invest in government securities, offering no credit risk but high sensitivity to interest rate changes. Investors should have a long-term horizon and be informed about economic cycles to benefit from these volatile, yet potentially rewarding, schemes.
US shifts $1.7T student loan system to Treasury what it means for borrowers in default
While only Congress can formally dismantle the department, the administration is pursuing incremental changes through inter-agency agreements.
NRIs selling property in India may have to pay higher taxes: All you need to know
NRIs reportedly face higher tax implications when selling property in India due to revised capital gains tax rules and increased TDS rates. Proper planning, understanding exemptions, and compliance with regulations are essential to minimise tax liabilities and ensure smooth transactions.
What is minimum due on credit card and can not paying full amount affect your credit score?
The minimum payment is usually about 5% of your total outstanding bill. This is the minimum amount you must pay each month on a credit card.
Investing in equity mutual funds is popular for long-term wealth. When redeeming, capital gains tax may apply based on profits and holding periods. The FIFO method determines which units are sold first, impacting tax calculations for short-term and long-term capital gains.
8th Pay Commission says it is scheduling maximum meetings with Unions and Associations between 28 to 30 April in Delhi and will hold more meetings in the national capital and in other states in due course.
How high should your credit score be to secure the best home loan deal?
The score, which usually ranges from 300 to 900 points, tests ones capability to pay debts. The significance of a credit score is that it indicates just how creditworthy an individual is.
PSNM demands a minimum basic pay of 50,000 for Level 1 employees and 1,34,500 for Level 6 teachers in the 8th Pay Commission. Key demands include higher HRA, annual increments, merging basic pay with DA, and restoring the Old Pension Scheme.
Will govt employees be paid DA, DR arrears for Covid times ahead of 8th Pay Commission? What we know
Central government employees and pensioners await DA and DR arrears from the COVID-19 period. The Finance Ministry confirmed in 2020 that these payments cannot be released, despite ongoing demands. A recent increase of 2% in DA and DR has been approved, effective January 1, 2026.
The Ministry of Finance said Dearness Allowance (DA) payable to central government employees shall be increased from 58% to 60% of Basic Pay, with effect from 1 January 2026. Here's how much that impacts the monthly income
Rebate under Section 87A reduces tax for low to middle-income earners, with different income limits applicable under the old tax regime and the new regime. Check details for eligibility, limits and rules here
Switching health insurers? Heres how to keep your waiting period benefits
From porting health insurance without losing waiting period credits to increasing term cover as income rises, heres what policyholders need to know before making a move.
WFH employee moves to Manali, reveals monthly expenses to enjoy snow, free WiFi, homecooked food
A 23-year-old marketing strategist shared her monthly expenditure in Old Manali. She divided it into non-negotiable and discretionary expenses, giving a reality check of life in the mountains.
5 common credit card mistakes you should avoid
Credit cards are essential for daily expenses, aiding travel with convenience and rewards. However, misuse can lead to debt and low credit score. Here are 5 common credit card mistakes one should avoid at any cost.
I told ChatGPT: Im Gen Z, fresh into my first job in Bengaluru after moving away from home. My first salary is 50,000. So, how to spend it? Here's the AI response.
Planning a 10-year SIP? These 5 funds offer up to 23% returns
Investors seeking robust SIP returns have found success in five equity mutual funds, delivering over 123% annualized gains over a decade. Quant Small Cap Fund led the pack with an impressive 22.5% return. Nippon India Small Cap and Growth Mid Cap funds also showcased strong performance, alongside Quant ELSS Tax Saver and Edelweiss Mid Cap Fund.
New fund offer: 2 SIFs to open for subscription on April 27. Check key details
The two SIFs will follow different equity-oriented strategies, one an equity long-short fund and the other a sector rotation long-short fund.
Market volatility: Why instinct alone is not enough in market decision-making
Equities fall 10 to 20% in almost every calendar year. And yet, over the last 46 years, 37 of those years have still closed positive. Over any rolling 7-year period in Indian equity markets, there have been zero instances of negative returns.
Equity mutual funds slide up to 7% in a week; tech funds lead losses
Around 11 technology-focused funds, including HDFC Technology Fund, Tata Digital India Fund, and ICICI Prudential Technology Fund, fell 3.14% to 7.17% last week.
Infosys among top 5 stocks held by most mutual funds. Check details
Here are the top five stocks held by the highest number of mutual fund schemes as of April 17, 2026
8,500 crore inflows in a month: Why multi-asset allocation is winning big in FY26
The investor who started a SIP into a multi-asset fund two years ago didn't need to predict interest rates or time gold's rally or call the bottom on small-caps. The fund did the navigating.
Growth vs dividend option in equity mutual funds explained: Which one should you choose?
While growth allows you to reap the benefits of compounding, the dividend option, which is now called IDCW (Income Distribution cum Capital Withdrawal) provides you with regular income.
Nothing ever happens. Thats why most traders lose
An open-source bot that blindly bets No on every prediction is quietly outperforming most traders. The lesson for F&O punters and active investors is deeply uncomfortable.
Market slump hits SIP returns. Time to worry or stay put?
As markets slide and short-term SIP returns turn negative, should investors hit pause or let rupee cost averaging do its job?
ITR Deadlines: A complete guide to filing, penalties, and correction windows
The Income Tax Department has notified ITR forms for AY 2026-27. Taxpayers can file belated, revised, or updated returns. Key deadlines for advance tax and TDS payments are crucial for compliance to avoid penalties and interest.
Are car lease and driver salary component in your CTC taxable? All you need to know
Car leases and driver salaries can provide tax-efficient salary structures for employees. Tax regulations allow these perks to be taxed at lower values, according to experts.
The RBI is revising the framework for Prepaid Payment Instruments (PPIs) to enhance security, improve customer protection, and support long-term growth. All proposed measures explained here.
