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Should I buy a property with no occupancy certificate but people living in it?
An occupancy certificate is one of the most important documents to be verified at the time of buying a property
BoM's OFS draws bids 400% of base issue size
Bank of Maharashtra's offer for sale saw robust investor demand on its opening day, with bids exceeding 400% of the base issue size. The government will now exercise its green-shoe option, expanding the total stake on offer to 6% after the strong response from non-retail investors.
Women's cricket team captain Harmanpreet Kaur unveils PNB's metal credit card Luxura. Check details
World Cup-winning Indian women's cricket team skipper Harmanpreet Kaur says she is happy to be the first customer of PNB RuPay Metal Credit Card Luxura.
RBI Ombudsman saw 13% increase in consumer complaints in FY25: Here's how to resolve your grievances
Grievances against the banks comprised the largest portion, accounting for 81% of complaints received. This was followed by NBFCs accounting for 14.80% of complaints received during FY 2024-25.
Income Tax: Last date to file revised or belated ITR is 31 December key questions answered
Income Tax: There are certain scenarios in which you can file a revised return, but these do not include the filing of a return after an inquiry notice by the assessing officer under section 142(1).
AadhaarUAN seeding: EPFO says no further extension for mandatory linking to file ECR
AadhaarUAN seeding: There will be no further extension for mandatory Aadhaar seeding with UAN for filing of ECR (Electronic Challan cum Return), announced EPFO via circular dated 1 December
How is a credit score calculated? Key factors that impact your score
A credit score is shaped by payment history, credit utilisation, credit mix and inquiries, with disciplined borrowing and timely repayments helping maintain strong creditworthiness in todays expanding credit-driven economy.
Insurance firms cut stakes in these 10 Largecap stocks during September quarter
Insurance firms cut their holdings in several NSE largecap stocks from June to September 25, signalling cautious sentiment or portfolio rebalancing. Key companies with reduced insurance shareholding include BPCL, Eicher Motors, TVS Motor, Vedanta, Apollo Hospitals, Grasim, M&M, L&T, Bank of Baroda, and Info Edge.
NFO Monitor: Mirae Asset Mutual Fund launches BSE 500 and Nifty Top 20 based ETFs
Mirae Asset has launched the BSE 500 Dividend Leaders 50 ETF and Nifty Top 20 Equal Weight ETF, offering investors access to consistent dividend payers and equal-weight exposure to Indias top 20 companies. Both NFOs close on December 10 and reopen on December 16.
Blast from Past: 5 lessons learnt about mutual fund SIPs
A Ventura report highlights five SIP lessons: stay invested until goals are met, every instalment adds up, use volatility to your advantage, theres no bad time to invest, and market declines are temporary.
Top 5 smallcap mutual funds offer up to 31% CAGR in 3 years
Top five smallcap mutual funds delivered up to 31% CAGR over three years, with Bandhan, ITI, Invesco India, Quant and Nippon India Small Cap Funds topping the category.
NFO Update: Sunil Singhanias Abakkus Mutual Fund launches its maiden fund, a flexi-cap fund
Sunil Singhanias Abakkus Mutual Fund has launched its first equity NFO, Abakkus Flexi Cap Fund, an open-ended equity scheme that will invest across large, mid, and small-cap stocks.
Are you looking for tax-saving investment avenues with a 3 year horizon? Check out these 4 options!
A report by Ventura Securities highlights top tax-saving options with a three-year horizon. ELSS funds like Motilal Oswal and SBI ELSS delivered strong CAGRs of 24.6% and 23.4%, respectively. NPS schemes from HDFC and ICICI Prudential offered three-year CAGRs ranging from 16% to 23.4%. ELSS provides tax benefits under Section 80C with a three-year lock-in, while NPS supports long-term retirement planning with additional tax advantages.
NFO Alert: Union Mutual Fund launches Union Consumption Fund
Union Mutual Fund has launched the Union Consumption Fund, an open-ended equity scheme focused on companies in consumption, consumption-related, and allied sectors. The scheme aims to generate long-term capital appreciation by leveraging structural shifts in consumer behavior and spending patterns. The NFO is open until December 15 and will reopen for continuous subscription within five business days of allotment.
How data-driven rural lending can transform Indias credit ecosystem and boost growth
Rural lending is crucial for India's growth, as improved infrastructure and entrepreneurship thrive in these areas.
Marriage and divorce tax rules: Gifts, clubbing, and alimony explained
Indian tax laws treat marriage and divorce as significant events affecting tax liability. Gifts received during marriage are exempt up to Rs. 50,000. Alimony taxation varies, with lump sum payments considered capital receipts while periodic payments are taxable.
Quant Mutual Fund increased exposure to select private banks and remains positive on NBFCs, infrastructure, insurance, consumption, and telecom. The fund anticipates a broader market rally, citing easing liquidity, tax and GST reforms, corporate earnings recovery, and potential USDINR reversal, while highlighting seasonal momentum and global Fed rate expectations shaping equity performance.
Wockhardt shares jump over 4%, extend two-day rally following FDA nod for Zaynich
Wockhardt Ltd shares jumped over 4% to 1,533, extending a two-day rally after surging nearly 20% on Tuesday. The rise follows the US FDAs acceptance of its New Drug Application for Zaynich, a first-in-class antibiotic, marking the first NDA approval for a New Chemical Entity by an Indian pharma company.
Who must pay advance tax by 15 December, and what happens if you miss it
An individual whose total tax liability from non-salary income exceeds 10,000 after accounting for TDS and TCS must pay advance in four instalments. Heres how it works
Your money playbook for every family stagefrom single to parenting
Early investing during high-income, low-responsibility years builds the compounding base families rely on later. How couples can preserve discipline as income patterns shift with marriage and kids.
WhatsApp chats in tax investigations: Courts push back against uncorroborated digital evidence
WhatsApp chats have become a common source of evidence in income-tax investigations. However, recent ITAT rulings indicate that such messages require independent corroboration to be deemed valid, as courts emphasize the need for solid evidence over mere speculation.
China stocks attract fund managers amid economic uncertainty
Global fund managers are steadily returning to China as strong market gains, attractive valuations and rising inflows bolster confidence despite ongoing economic uncertainty.
Can you pay a credit card bill with another card? Heres what actually works
Paying a credit card bill with another credit card is mostly restricted, but balance transfers offer a safe alternative while cash advances carry high fees and interest for cardholders.
Top 10 mutual funds to invest in December 2025
ETMutualFunds offers a curated list of ten top mutual fund schemes. These selections span aggressive hybrid, large cap, mid cap, small cap, and flexi cap categories. The aim is to assist regular mutual fund investors in making informed decisions. Investors should consider their personal investment objectives, risk tolerance, and investment horizon before choosing a scheme.
RIL Share Price Live Updates: RIL's monthly return reflects market dynamics
Hindalco Share Price Live Updates: Hindalco's recent returns highlight a decline
Bharti Airtel Share Price Live Updates: Bharti Airtel's Monthly Performance
Hybrid funds emerge as a low volatility alternative to equity
Investors are seeking safer equity-oriented products amid market uncertainty. Aggressive hybrid funds are gaining traction, offering returns comparable to equity but with significantly lower volatility. These funds also provide tax efficiency for high-net-worth individuals due to their structure.
Are gifts from NRIs to resident Indians taxable?
Under Indian income tax law, a transfer of property between specified relatives qualifies as an exempt transfer and therefore does not trigger capital gains tax for the sender.
Gold ETF AUM crosses Rs 1 lakh crore in October, inflows recorded at Rs 27,500 crore
Gold ETFs in India have crossed Rs 1 lakh crore in AUM as of October 2025, driven by record inflows, rising investor participation, and growing preference for digital gold over physical holdings. A Zerodha Fund House study highlights that Gold ETF inflows in the first ten months of 2025 alone surpassed the combined inflows of the previous five years.
These 4 midcap mutual funds offer over 10% in 1 year. Do you own any?
Four mid cap mutual fundsInvesco India Mid Cap, Axis Nifty Midcap 50, WhiteOak Capital Mid Cap, and Kotak Nifty Midcap 50delivered over 10% returns in the past year, outperforming several peers that posted modest single-digit gains.
Are you searching for equity mutual funds with 3 year horizon? Check out these top 10 options!
A report by Ventura Securities highlights the top-performing equity mutual funds across categories based on three-year CAGR. Largecap, large & midcap, midcap, smallcap, and flexicap funds delivered strong returns, with smallcap schemes leading the pack. The report also details the latest AUM figures for each showcased fund as of 31 October 2025.
A small fee cut, big returns: The cost reform that could boost your MF portfolio
Sebi's move to lower mutual fund costs could help investors grow long-term wealth with smaller fees.
These 6 global ETFs trade at high premiums. Should you invest?
With overseas mutual fund limits in place, investors are flocking to the few global index ETFs still open, driving premiums sharply higher. But this surge in demand means buyers could face weak results even if global stocks rally.
Regulatory tweak by Sebi makes mutual fund gifts easier, cheaper and tax-efficient
Sebis new rules now allow easy transfer of both demat and SOA-based mutual fund units, eliminating the need to redeem and repurchase. This simplifies gifting and inheritance and can significantly reduce capital gains tax, enabling families to shift MF units to low-income members and benefit from Section 87A rebates.
Union Mutual Fund has launched a new consumption-themed equity scheme, the Union Consumption Fund. Despite recent GST reforms, consumption funds have shown muted returns of 0.8% in three months. Experts advise caution with NFOs, suggesting investors consider existing diversified funds for stability over thematic concentration.
Credit score vs credit card interest rates: What lenders dont tell you
A strong credit score reduces credit card costs by securing lower interest rates, higher limits and better offers while poor scores increase borrowing risks, making responsible credit behaviour essential.
Investing from abroad? How to reach Rs 2 crore with Rs 10,000/month SIP in 15 years
An NRI professional aiming for Rs 2 crore in 15 years with a Rs 10,000 monthly SIP and annual increases will not reach his target. Financial experts reveal a higher initial SIP is necessary. A suggested portfolio includes large cap, flexi cap, mid cap, and small cap funds. Restrictions may apply for US and Canada-based NRIs.
A godsend for many, digital KYC remains a nightmare for people with disabilities
Many people with disabilities are unable to access financial services because their conditions prevent them from completing electronic know-your-customer procedures. There's plenty that needs to be done to resolve this, experts say.
Can I pay off a loan with home sale proceeds and get capital gains tax exemption?
Long-term capital gains on the sale of residential property are exempt only if the gains are reinvested in another residential property or on investment in certain bonds, capped at 50 lakh.
7 mutual fund NFOs to open for subscription this week. Check key details
Starting December 1, 2025, changes in key money rules could affect your daily expenses. These include possible update in bank loan rates, bank working days, monthly fuel rates revision and pension requirements among others.
After this Sebi circular, mutual funds could raise their exposure to REITs in 2026. Check details
Capital markets regulator Sebi has announced that the investments made by mutual funds and specialised investment funds in real estate investment trusts (REITs) would be reclassified as equity related instruments.
How much SIP is required to reach Rs 1 crore? This calculator gives the answer
These 7 top banks offer interest up to 7.2% on fixed deposits for senior citizens
Almost all banks offer 50 basis points higher interest to those depositors who are above the age of 60.
Best dynamic bond funds to invest in November 2025
Dynamic bond funds adapt to interest rate changes, investing in short- or long-term securities as needed. While not risk-free, they are ideal for investors seeking 35 year returns without predicting RBI actions. Kotak Dynamic Bond Fund and ICICI Prudential All Seasons Bond Fund are top picks for November 2025.
These 4 smallcap mutual funds lose over 10% in 1 year. Do you own any in your portfolio?
Four smallcap mutual funds have fallen over 10% in the past year, with both active and passive schemes seeing notable declines.
Can Rs 500 SIP at 16 help build a future business fund? Expert share best investment strategy
A Rs 500 SIP started at age 16 can be a powerful first step toward building future business capital. Experts say early investing matters more than the amount. A Balanced Advantage Fund, such as ICICI BAF, can offer growth with controlled risk, helping young investors begin their long-term wealth journey.
MF & SIF investments in REITs to be treated as equity from January 2026
Starting January 1, mutual funds and specialized investment funds will classify their commitments to REITs as equity investments. Meanwhile, infrastructure investment funds will retain their hybrid status. Existing investments in REITs under debt schemes will be preserved until December 31, 2025, allowing fund managers time to adapt.
1 lakh investment in this mutual fund at launch would have grown to 48.5 lakh. Check how
If someone had invested 1 lakh in the ICICI Prudential Value Fund at its launch on 16 August 2004, the amount would have grown to 48.5 lakh by 31 October 2025, delivering an annualised return of 20.1%.
Investments by mutual funds, SIFs in REITs to be treated as equity, effective Jan 1: Sebi
Sebi has reclassified REITs as equity instruments effective January 2026, enabling greater mutual fund participation. Existing REIT holdings in debt schemes will be grandfathered, while InvITs remain hybrid. The regulator also revamped the distributor incentive framework to boost retail participation beyond major cities
There is a noticeable shift from survival to success with digital lending and smart credit as catalysts of aspiration, reveals a report titled 'How India Borrows' by Home Credit India.
NFO Alert: Bandhan Mutual Fund launches 2 commodity-based ETFs
Bandhan Mutual Fund has launched two commodity-based ETFsBandhan Gold ETF and Bandhan Silver ETFdesigned to track domestic prices of physical gold and silver. The NFOs are set to open on December 1 and close on December 3, with continuous trading beginning on December 12. Both funds aim to offer smart, transparent access to precious metals
Aggressive hybrid mutual funds see 13% YoY AUM jump, touch Rs 2.5 lakh crore in October
Nomura has initiated coverage on Anthem Biosciences with a Buy rating and a 740 target, citing attractive valuations, strong CRDMO positioning, diversified capabilities, and robust revenue and earnings growth projections despite recent stock correction.
Invesco India Midcap and Bandhan Small Cap among 7 funds with 25%+ CAGRs over 3 and 5 years
Seven equity mutual funds have delivered over 25% CAGR over both three- and five-year periods, according to an ETMutualFunds analysis. The list features major schemes such as Invesco India Midcap Fund, Bandhan Small Cap Fund, and HDFC Mid Cap Fund. Of the seven, five are mid-cap funds, one is small-cap, and one is a large & mid-cap fund, selected from 205 eligible schemes.
From 20s to retirement: How a strong credit score shapes your financial life
A strong credit score impacts financial opportunities at every stage of adult life enhancing loan approvals, lower interest rates, credit card benefits, and long-term financial stability from 25 to 60.
Zerodha Mutual Fund crosses Rs 10,000 crore AUM in 2 years, scales to 8+ lakh investors
Zerodha Fund House, the index-focused joint venture between Zerodha and Smallcase, has surpassed 10,000 crore in assets under management within just two years of launch, Smallcase founder Vasanth Kamath announced on LinkedIn.
11 mutual funds and 1 SIF NFO are open for subscription now. Check details
Twelve new offeringsincluding 11 mutual funds and one SIFare currently open for subscription across index funds, ETFs, FoFs, multi-asset, sectoral, FMP, and long-short categories.
THESE credit cards allow travellers to earn maximum airmiles. Check list here
If you are a frequent traveller and a credit card user at the same time, you are recommended to use the cards that offer airmiles
SIP magic: Nifty flat in 14 months but 167 mutual funds gave double-digit returns
Despite the Nifty 50 remaining flat for 14 months, 167 equity mutual funds delivered double-digit returns through SIPs. This performance, partly driven by market volatility and momentum, saw funds like TRUSTMF Small Cap Fund and Invesco India Midcap Fund offer significant XIRR. Experts advise continued disciplined investing and step-up SIPs for long-term wealth creation.
Sebi mulls Rs 2,000 incentive for MF investments from smaller cities, women
Mutual fund distributors can now earn an extra 2,000 commission for onboarding new individual investors from outside the top 30 cities or women. This incentive, payable from the investor education fund, requires a minimum one-year investment. The new framework, effective February 1, 2026, aims to broaden market participation.
Best Mutual Funds: These mid-cap funds gave over 25% annualised returns in past 5 years. See list
Best Mutual Funds: We list out mid-cap mutual funds which have delivered more than 25% annualised returns in the past five years
Sebi has replaced the B-30 incentive framework with a targeted commission model offering distributors up to Rs 2,000 per new eligible investor from February 2026. The incentive, funded through AMCs investor education allocation, excludes ETFs, FoFs and ultra-short-duration schemes, and aims to curb misuse while expanding retail participation, especially among women investors.
Income Tax: Dont fret over refund delay, you may be compensated for it
Taxpayers are issued a refund, along with interest at the rate of 6% per annum, which will start on 1 April 2026 and continue until the date of issue.
RBIs new credit score rules: How they can help lower your home loan interest rates
Effective 1st October, banks can reduce the spread charged on a loan earlier than three years. Customers can benefit faster from lower interest rates and save money on the interest amount paid.
Can I claim TDS refund despite late return filing?
An NRI living in Dubai missed the July deadline for filing an Income Tax Return but wants to claim a refund of excess TDS deducted on a stock buyback.
Top 5 multi-asset allocation mutual funds with highest risk-adjusted returns
Father's dream for daughter's marriage: How to build Rs 1 crore corpus
NRI Rajesh Sahni aims to build Rs 1 crore for his daughters marriage while securing long-term wealth for his children. Experts advise consolidating his SIPs into four core funds, increasing contributions to Rs 1.2 lakh monthly, and gradually shifting from equities to balanced and debt funds as the goal nears.
Labour codes: Gratuity, leave encashment get a boost, maternity payout doesnt
The four new labour codes notified on 21 November come with a mixed set of implications for employees.
Nifty scales record high: Rs 2 lakh crore mutual fund cash waiting to be deployed
Nifty has hit a fresh record high, but mutual funds are staying cautious, holding over Rs 2 lakh crore in cashits highest in months. Elevated valuations, limited bargains, and selective opportunities are prompting fund managers to deploy money gradually despite improving macro fundamentals and optimism around upcoming earnings recovery.
Why do financial planners recommend flexi-cap mutual funds for investment?
MF Tracker: DSP Midcap Fund turns Rs 10,000/month SIP to Rs 1.37 crore in 19 years
DSP Midcap Fund has delivered significant wealth creation, turning a Rs 10,000 monthly SIP into Rs 1.37 crore over 19 years. While long-term SIP discipline proved effective, recent performance shows underperformance against its benchmark and category. Experts suggest continued SIPs in quality midcap index funds for future wealth accumulation.
Best medium to long duration funds to invest in November 2025
Medium to long duration debt funds invest in longer-term instruments, making them sensitive to interest rate hikes. Investors might face volatility and potential losses. Advisors often recommend safer short-term funds. However, those with a higher risk appetite and a long investment horizon can consider these funds with expert guidance.
Trusted Banking for a Better Tomorrow : Bank of Indias Vision
Vinod Chandrashekhar Dixit Founded on September 7, 1906, Bank of India (BOI) is celebrating its 120th foundation day. BOI has evolved into a leading financial institution, synonymous with growth, development, and efficiency. With a rich legacy spanning over a century, BOI has consistently demonstrated its commitment to excellence, adapting to changing times while maintaining [] The post Trusted Banking for a Better Tomorrow : Bank of Indias Vision appeared first on Northlines .
