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EPFO: We take a look at the frequently asked questions when it comes to provident fund withdrawal process. Here's a complete guide to EPF withdrawal eligibility, rules, limits, form requirements, and conditions for partial claims.
Can you gift overseas property tax-free? What returning NRIs and OCIs should know
Can a returning NRI gift overseas property without attracting Indian tax? And should an OCI invest through an NRE or NRO account? Experts answer two common cross-border tax queries.
Gold for liquid cash: Indian households sold 50 tonnes of the yellow metal in the April-June 2026 quarter, amid fears of an imminent price crash, according to a report. Here's all you need to know
Key financial changes will be effective from July 2026. Staying informed can help individuals manage costs and meet compliance requirements. Full list here.
How NRI money could allow Indian banks to lend more to businesses? Axis Bank CEO explains
Indian banks is likely to utilise foreign-currency deposits from the Indian diaspora to replace costly funds in their balance before channeling the money to companies. Here's how it would work.
8th pay commission: Multiple groups, industry watchers, and reports estimate fitment factor could rise up to 3.83. Today we calculate how the conservative and optimistic estimates could each impact your salaries
Edelweiss Greater China Equity Offshore Fund has delivered slightly higher average returns and marginally better risk-adjusted performance, while the Axis Greater China Equity FoF has experienced lower volatility and has a higher Sortino ratio.
Dearness Allowance: What is DA merger and why the issue is in focus now, explained
Dearness Allowance: DA and DR are revised twice annually based on the All-India Consumer Price Index (AICPI) formula as prescribed under the 7th central pay commission. Today, we explain DA merger and why the issue is in focus now.
Can your tax refund be denied if you missed filing ITR last year? Here are your options
Missing the income tax return deadline doesn't eliminate the possibility of claiming a refund for excess tax deduced in FY 2024-25, but options are limited. Details here.
Closing Indias insurance gap will need more than just policy reforms
With nearly 85% of economic losses left completely uncovered, transforming consumer behaviour mindset is critical.
Investing in global stocks directly? Understand the costs and nominee rules first
Investors in overseas stocks must make note of costs related to forex spreads, brokerage fees and the process of asset transfers to heirs and nominees.
ITR for deceased spouse without a will: Legal heir tax rules and filing responsibilities explained
A spouses death brings emotional and financial challenges, including filing the deceaseds ITR. Understanding the ITR for deceased spouse rules, legal heir responsibilities and succession laws helps families complete tax formalities correctly and avoid unnecessary disputes.
Facing delays in SWP payouts? Expert explains what investors should do
Delays in SWP payouts should be treated as delayed mutual fund redemptions. SEBI requires payouts within three working days, with delayed payments potentially attracting investor interest compensation.
JioBlackRock Mutual Fund launches Prism Hybrid Long-Short Fund, its first SIF
JioBlackRock has launched its Prism Hybrid Long-Short Fund, an innovative interval investment strategy allowing twice-weekly redemptions. This fund aims to generate capital appreciation and income by blending equity, debt, derivatives, and alternative investments. Designed for dynamic markets, it seeks to deliver better risk-adjusted returns with lower volatility, leveraging BlackRock's global expertise and advanced technology. The New Fund Offer is open until July 13.
Mutual fund returns stuck at 1% in four years? Expert says next phase could matter the most
After earning just 1% returns from mutual fund investments over four years, an investor sought expert advice on whether to alter her portfolio. Harshvardhan Roongta of Roongta Securities said weak returns are a normal part of equity investing, urging investors to stay disciplined, avoid frequent changes, and focus on long-term wealth creation through consistent SIPs.
Debt mutual funds saw 97,000 crore in outflows in May. Here's why experts still recommend them
The May redemptions were largely driven by liquid, overnight, and money market funds, which are often used by institutions for short-term treasury needs. This should not be seen as a structural weakness in debt mutual funds, say market watchers.
NPS retirees have a new choice. Should you opt for RIS, annuity or SLW?
NPS subscribers now have a third post-retirement payout option in the Retirement Income Scheme (RIS). Here's how it compares with annuities and systematic withdrawals, and who should choose what.
How El Nio could affect your finances
A weak monsoon can fuel inflation, pushing up food bills, squeezing discretionary spending and increasing EMI burden.
Boost your retirement income with the right investment choice. Compare SCSS vs SBI Senior Citizen FD vs RBI Floating Rate Savings Bond on returns, interest rates, limits and tax rules to find the best option for your long-term financial goals. Consult a certified financial advisor before investing.
Looking for best NPS equity funds? These schemes delivered up to 14% in 3 years
The National Pension System (NPS) delivered strong returns over the past three years, combining retirement planning with tax benefits. Among fund managers with a three-year track record, Tata Pension Management emerged as the top performer.
Experts are advising mutual fund investors to focus on large-cap, flexi-cap, and multi-asset funds for the latter half of 2026. Following a volatile first half, a cautious yet optimistic approach is recommended, emphasizing diversified equity exposure. While valuations are considered fair, risks like global tensions and oil prices persist. Investors are urged to maintain SIPs and avoid market timing, especially first-time entrants.
Gold and silver prices today, 29 June: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.
Best short duration mutual funds to invest in June 2026
Short duration mutual funds offer a balanced investment option for horizons of one to three years, navigating moderate interest rate risks. These schemes invest in a mix of short-term and very short-term instruments like treasury bills and corporate bonds. For June 2026, HDFC Short Term Debt Fund, ICICI Prudential Short Term Fund, and Axis Short Term Fund are highlighted as top performers based on returns, consistency, and risk management.
EPFO portal upgrade 2026 enters final day, EPF claim services expected to resume soon
The final day of the EPFO portal upgrade marks the last phase of the planned system overhaul. The upgrade is set to improve EPF claim processing, boost service efficiency and deliver a faster digital experience for millions of EPF members, with services likely to be restored from tomorrow.
Aarogya Setu 2.0 launch today: How Indias new digital health platform may cut healthcare costs
A smarter healthcare future begins with Aarogya Setu 2.0, bringing digital health records, ABHA integration, insurance support and easier access to medical services. The new platform aims to simplify healthcare access, reduce paperwork and improve patient experiences.
8th Pay Commission: 5 key employee demands take centre stage ahead of crucial July consultations
8th Pay Commission: Five major employee demands move into focus ahead of July consultations. Demands include pension revision, pay parity, maternity benefits and other allowances.
Can a mutual fund SWP pay your home loan EMIs? 15 years of data says think again
Most investors struggle as they watch their portfolio shrink while EMI obligations remain fixed. The temptation to stop the SWP or redeem the corpus becomes overwhelming. This introduces discretionary risk into what is assumed to be a systematic plan. Acting on it at the wrong time permanently locks in the loss. An investors life situation also matters.
From ITR filing to TDS: 6 major tax deadlines in July 2026 that every taxpayer should know
July is crucial for taxpayers due to key compliance deadlines, including income tax return filing. Missing deadlines can result in penalties and late fees. Full list of due dates this month.
EPFO subscribers can soon withdraw provident fund savings via UPI apps and EPF-linked ATMs under the new EPFO 3.0 digital platform.
The EPFO's member and employer portals have been down since June 26 for software upgrades, causing delays in claims processing. Services are anticipated to resume by July 1, 2026. Here's what changes for EPF members among other details.
Meet 29-year-old software engineer named Michelle Yeung who worked undercover at Starbucks to launch Matcha House in Manhattan with 1.9 crore savings.
How this doctor earning 1.51 crore annually amassed investments worth 11.32 crore
Despite earning a modest salary during training, Chan has built an investment portfolio worth around $1.2 million across brokerage, savings and retirement accounts..
While transferring funds to a spouse may seem advantageous for tax savings, income could be subject to clubbing under Section 64, making it your taxable income. Details here.
Bought a flat but possession was delayed? Here's what Supreme Court ruled on Delhi homebuyer's case
In a recent case, the Supreme Court ruled that homebuyers can claim compensation for delayed possession of their apartments, even after taking possession. Details here.
After a taxpayer's death, their legal heirs or legal representative is responsible for filing ITR on their behalf. Legal heirs are not liable for a deceased taxpayer's tax dues beyond inherited asset value.
Fixed deposits offer safe, assured returns but are taxable under income tax laws. Taxpayers who missed declaring FD interest can file an updated return (ITR-U) within four years, allowing for corrections with varying additional tax penalties based on the filing time. Details here.
Investment planning should align with current finances, risk tolerance, and future goals. The Public Provident Fund (PPF) offers a safe, low-risk option for long-term savings, providing tax benefits and guaranteed returns, making it an ideal choice for wealth building.
AMFI seeks review of decade-old $7 billion overseas MF investment cap
AMFI plans to again approach RBI, Sebi and the government to raise the decade-old overseas investment cap for mutual funds. The industry says a higher limit will give investors greater access to global markets.
Bitcoin crash far from over? Experts see another 30% downside to $42,000 | Buy, sell or hold?
Bitcoin futures dropped to $58,995 on Thursday, over 50% below last year's peak, with predictions indicating a further decline to around $42,000-$44,000 by year-end. Profit booking across assets and rising AI investments contribute to selling pressure amid a strong U.S. Dollar Index.
Income-tax returns: How much rebate can you claim under Section 87A? Eligibility and rules explained
Income-tax returns: Filing your ITR for AY27 / FY26, here's how much rebate you can claim under Section 87A of the I-T Act. We explain the eligibility criteria, tax regime details and rules for taxpayers.
Big changes ahead? IRDAI to soon unveil insurance distribution reform paper
The regulator is expected to invite stakeholder feedback on proposed reforms to insurance distribution. The framework is likely to focus on persistency, informed customer choice and balanced regulation while keeping policyholder protection at its core.
Equity mutual funds fall up to 7% last week; international funds among worst hit
Amid market volatility, we asked experts what SIP investors can do to protect their portfolio. From emphasising continuance and review of portfolio to diversifying asset allocation here's their advice
The EPFO is conducting a system upgrade, rendering its portal and Umang app inaccessible from June 26. This upgrade intends to improve reliability and service speed for subscribers. Check here for when services are set to resume
Can I-T dept raise tax over alleged cash paid for property? ITAT clarifies
The Mumbai ITAT held that the I-T Department cannot make a tax addition for an alleged cash payment in a property purchase based solely on documents seized from a third party. Such additions must be backed by independent and corroborative evidence linking the buyer to the transaction.
AMFI reshuffle: Hindustan Copper among 6 smallcap stocks that may get upgraded to midcap
Six smallcap stocks, including Hindustan Copper and NLC India, may move to midcap in AMFIs H2 CY26 reshuffle, as per Nuvama Institutional Equities. The potential reclassification could influence fund flows, though projected threshold levels show inconsistencies and need confirmation before firm conclusions are drawn.
Gold, Silver Rate Today: Here is how much gold and silver costs in key Indian cities on Saturday, 28 June 2026. Check the price of 18K, 22K and 24K gold and 999 Fine silver in Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata, and Mumbai.
Is Indian IT a contrarian call?
Investors looking to take a contrarian call on the IT sector can do so by using sector or theme-based schemes, but prefer actively-managed diversified schemes where fund managers decide and monitor sector allocations
The 8th pay commission is engaged in discussions with employee representatives to formulate pay recommendations, which will impact around 50 lakh central government employees and 65 lakh retired pensioners.
How SCSS helps senior citizens earn a 20,500 monthly income from 30 lakh savings
Secure your retirement with SCSS, a government-backed savings scheme offering stable income for senior citizens. This article explains how a 30 lakh investment can generate around 20,500 monthly income with safety, tax benefits and predictable returns.
West Bengal has announced a 20% hike in dearness allowance for state employees and pensioners, raising it to 38% effective October 1. Teachers' organizations welcomed the decision but urged faster implementation and clearance of remaining dues.
The RBI just published a list of the tricks your bank plays on you
New directions on product marketing and sales highlight practices such as bundling and hidden opt-outs, while formalizing safeguards against mis-selling.
UPI and bank apps allow 24/7 transactions. Banks close on specific Sundays and Saturdays, with online services available during holidays. Customers must verify local branch holiday schedules.
Mumbai couple makes 2.2 lakh a month yet can't save: Expert explains what they could do differently
A Mumbai couple earning 2.2 lakh monthly struggles to save money. The Reddit post sparked discussions on budgeting issues, with an expert suggesting clear savings plans.
2 lakh a month for a normal life': Man says 'Bombay, Bangalore and Gurgaon may exhaust you'
He listed routine expenses such as rent, groceries, fuel, Uber rides, house help, gym memberships and occasional meals out, along with a few lakh rupees spent on travel every year.
SpaceX will join the Nasdaq 100 on July 7 due to amended eligibility rules, allowing quicker inclusion for newly listed companies. This change could attract $4.3 billion in passive inflows from ETFs and mutual funds, potentially boosting SpaceX's stock price significantly.
Section 80C: Which small savings schemes qualify for tax deduction and which don't?
Post office small savings schemes are popular for conservative investors, offering safety, assured returns, and competitive interest rates. Here's the list of schemes that qualify for tax deduction under Section 80C.
Risk-adjusted return measures the excess return over the risk-free rate per unit of risk and is measured in terms of standard deviation.
Loan rejection can disrupt urgent financial plans. Understanding common personal loan rejection reasons such as a low credit score, high debt burden and incomplete documents can help borrowers improve eligibility and boost personal loan approval chances.
What is Income Tax e-Proceedings? Meaning, benefits, notice types, and how to respond online
e-Proceedings is an online service provided by the Income Tax Department that allows taxpayers to view and respond to tax notices electronically through the e-Filing portal.
It is important to understand that no asset class remains the market favourite forever. Equity, real estate, gold, cryptocurrencies, commodities and technology themes all go through phases of enthusiasm and correction.
EPFO subscribers can claim up to 7 lakh from the Employees Deposit-Linked Insurance (EDLI) scheme. Here's how you can avail the benefit for no additional cost and file claims with the retirement organisation.
SIP share of equity AUM at multi-year high, over 29% in May: Franklin Templeton India MF
Systematic Investment Plan (SIP) contributions to Indian equity mutual funds hit a multi-year high of 29% in May 2026, signaling robust investor confidence despite market volatility. Equity AUM surged to Rs 36.18 lakh crore, with SIP AUM growing 17% year-on-year. This sustained growth highlights the increasing dominance of mutual funds in the investment landscape.
HDFC Mid Cap Fund hits Rs 1 lakh crore AUM milestone; delivers 17% CAGR since inception
HDFC Mid Cap Fund has crossed the Rs 1 lakh crore AUM milestone, cementing its position among the country's largest mid-cap schemes. Since its launch in 2007, the fund has delivered a CAGR of 17.13%, outperforming its benchmark while maintaining a disciplined, research-driven approach across market cycles.
Should you switch your mutual funds after a few months? Expert offers a reality check
Experts advise against frequent mutual fund portfolio changes based on short-term performance. An investor's midcap and smallcap investments, some only months old, were reviewed. While most schemes are deemed appropriate, a retirement fund's lock-in period warrants careful consideration for flexibility. Thorough research and patience are key to long-term wealth creation, with a minimum two-year timeframe recommended before assessing fund performance.
The Centre has said that the 8th pay commission will examine pay upgrade after promotion for central government employees demanded by NC-JCM under the career progression MACP scheme. Here's all we know
Experts suggests that an investor's risk appetite depends on financial capacity and emotional comfort with risk. Assess your income, savings, liabilities, age, and ability to handle market volatility. Together, these factors help determine the level of risk you can sustain over the long term.
Dearness Allowance: Here's why AIDEF is demanding a change in the DA calculation formula
DA hike: The AIDEF has requested the 8th pay commission to revise how dearness allowance is calculated, arguing the current formula fails to reflect true living costs and inflation pressures on government employees and pensioners.
Public and private banks in India will be closed today, 27 June, for the fourth Saturday holiday. Operations are halted nationwide, but online banking services will remain accessible for transactions.
Taxpayers dissatisfied with income tax orders can file an appeal using Form 35. This process requires submitting relevant documentation and fees, and the appeal must be filed within 30 days of receiving the order. Full details here.
Lost money in a online fraud? Here's how much you can recover under RBI's new rules and who pays
Starting January 1, 2027, RBI's new guidelines will protect consumers from small-value digital fraud, allowing compensation up to 25,000 for victims. Details here.
Starting June 26, EPFO services on member and employer portals, and the Umang app will be unavailable due to system migration, which aims to enhance service reliability. Check affected services, restoration date among other details.
Indore to Navi Mumbai: Top 5 cleanest cities in India and their cost of living
India's government has increased urban cleanliness via better waste management and citizen involvement. The top five cleanest cities in 2026, per Swachh Survekshan, include Indore, Surat, Navi Mumbai, Visakhapatnam, and Bhopal
As the 8th Pay Commission prepares its report, the fitment factor is projected to range from 2.05 to 2.10. Here are the salary calculations.
Employee Provident Fund Organisation: EPF subscribers are allowed to withdraw up to 100% of their eligible provident fund balance, with certain conditions. Here are the new rules and top FAQs explained
I asked ChatGPT how long an Indian investor will take to build 1 crore corpus via investing. From a shorter timeline for high-income earners to a longer one for early-career professionals here's what the math said.
Managing money today goes beyond saving. These five government apps help everyone stay financially organised by securing important documents, enabling safe digital payments and providing easy access to essential government and financial services.
Owning a 20 lakh car is feasible for a Bengaluru professional earning 30 lakh annually, yet paying fully from savings isn't ideal. Financing part of the purchase preserves liquidity, favoring long-term financial flexibility.
Save more on your next vehicle with the latest car loan interest rates in June 2026. Compare top banks, EMIs, processing fees, & key borrowing tips to choose a car loan that fits your budget & lowers your overall borrowing costs. In case of doubt, don't hesitate to seek professional guidance.
What is a mutual fund riskometer? A simple guide to understanding fund risk before you invest
The riskometer is a visual risk indicator that reflects the overall risk associated with a mutual fund scheme. However, two schemes belonging to the same category do not always have identical riskometer ratings.
e-Filing Vault Higher Security explained: What it is, why it matters and how to enable it
The e-Filing Vault Higher Security facility is designed to strengthen the security of a taxpayer's e-filing account by requiring a second level of authentication in addition to the regular user ID and password.
AMFI Reshuffle: Physicswallah among 6 midcap stocks that may get demoted to smallcap
6 simple ways to prevent unauthorized credit card use and secure your finances
Protect yourself from digital threats with these smart credit card habits. This article explains how to prevent unauthorised credit card use through secure practices, transaction alerts, safe payments and simple steps to protect your financial identity.
How many mutual funds should you own? Experts say less is often more
More mutual funds do not automatically mean better diversification. Here's how investors can avoid overdiversification and build a portfolio that is easier to manage and monitor.
Looking for largecap funds? Here are top 5 picks for June 2026
Microcaps top 10-year returns chart, outshine midcaps and smallcaps
Over the last 10 years, microcaps delivered the highest returns, outperforming midcaps, small caps, and large caps. Here is a detailed breakup, as reported by ET Wealth.
8th pay commission: From demands for increased salary and fitment factor hike, to schedule for state visits and meetings. Here's a look at the top 10 latest updates from the 8th CPC discussions so far.
Gold and silver prices today, 26 June: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.
Looking for regular income from mutual funds? These hybrid funds stood out over 3 years
Five conservative hybrid mutual funds delivered steady SWP returns over a three-year period, according to ET Wealth data as of June 17, 2026. SBI Magnum Childrens Benefit Fund led with 11.8%, followed by Parag Parikh Conservative Hybrid Fund at 10.9%. Other funds delivered returns between 9.3% and 10.1%.
No 8th Pay Commission yet, but DA hike may be around the corner: 5 key updates
DA hike discussions are gaining momentum as central government employees await the next revision and updates from the 8th Pay Commission. This article covers July 2026 DA expectations, inflation trends and the latest pay commission developments.
