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Gratuity calculation rules: Is gratuity taxable? How is gratuity taxed in India? Explained
Since gratuity is a lumpsum amount, employees often receive a large sum at the end of their service to a company. This may raise the question is gratuity taxable?
Top 5 strategies for salaried professionals to manage monthly expenses and taxes efficiently in FY27
Salaried professionals can enhance financial stability by integrating monthly expense management with tax planning under the Income Tax Act 2025 to optimise savings and ensure cash flow efficiency.
10 lakh health insurance: Is it enough in 2026 amid rising medical costs? 6 key factors to consider
10 lakh health insurance is increasingly seen as a base cover as medical inflation rises across the country, making higher coverage, top-ups, and policy features essential for adequate financial protection.
Nearing retirement? How to protect your savings amid market volatility and rising inflation
Inching closer to retirement means gradually shifting investments from an aggressive phase of higher equity exposure to a conservative yet wealth preserving phase and providing enough stability to the portfolio through heavy fixed-income investments.
How to lock in premiums and navigate portability while upgrading health insurance?
A 38-year-old with 10 lakh family cover weighs unlimited sum insured and multi-year health plans, seeking clarity on benefits, portability rules and upgrade flexibility.
EPFO 3.0 PF withdrawal rules: How much provident fund balance can you withdraw using ATM and UPI?
EPFO 3.0 features: One of the most significant changes under EPFO 3.0 is the availability of the option to withdraw PF money using ATM and UPI.
HDFC Defence Fund among 13 equity MFs that delivered over 4% returns last week. Check top 5
Of the 614 funds analysed, 576 posted positive returns, one remained flat, and 37 delivered negative returns.
A loan against PPF is a facility available to all account holders who are not yet eligible for premature withdrawals. It allows you to borrow money against your PPF balance at a nominal interest rate
Positioning portfolio to navigate uncertainty
Amid the US- Iran war, trade disruptions and energy uncertainties, a common question persists: does this environment warrant a portfolio rethink?
NFO alert: 2 mutual funds and 1 SIF open this week. Check details here
Two mutual funds and one SIF will open for subscription this week, as fund houses continue to expand their product offerings.
How to plan summer holidays amid soaring airfares due to West Asia war
The West Asia war and rising fuel costs have pushed international airfares from India up by 30%, triggering a massive shift toward domestic tourism. Travellers are navigating a complex landscape of devalued currency and airspace closures.
PPF: Can a Public Provident Fund account be closed prematurely?
While the PPF carries a mandatory 15-year lock-in, accounts can be closed after five full financial years, but only under specific circumstances
From pension disbursal system to auto settlement, how EPFO 3.0 reforms have improved user experience
EPFO 3.0 represents a comprehensive digital overhaul of the retirement fund's IT infrastructure, with full implementation expected by mid-2026
The Staff Side of the NC JCM has urged the 8th Pay Commission to improve the memorandum submission process, among other demands. List of all nine demands here.
Silver drags commodity ETFs down up to 15% in March. What next for investors?
Commodity ETFs declined up to 15% in March, led by sharp losses in silver ETFs amid rising oil prices, geopolitical tensions and tightening liquidity. Gold ETFs also fell as stronger dollar dynamics weighed on prices. The outlook now hinges on inflation trends, liquidity conditions and central bank actions globally.
Are you looking for the best mutual funds for SIPs in April? Here is help for conservative investors
ETMutualFunds outlines ready-made SIP portfolios for conservative investors across three investment brackets. The allocation blends large-cap and hybrid funds to balance risk and returns. Selected using in-house criteria like rolling returns and downside risk, these portfolios aim to simplify fund selection for investors seeking stable, long-term wealth creation.
SIP or lumpsum? Expert suggests best approach for first-time mutual fund investors with Rs 10,000
For new investors, especially young professionals and students with modest amounts like Rs 10,000, a Systematic Investment Plan (SIP) is generally recommended over a lump sum. Financial expert Harshvardhan Roongta advises SIPs to gradually enter the market, build discipline, and average investment costs. He suggests starting with low-cost index funds for long-term wealth creation.
ITR filing for AY 2026-27: Don't miss these crucial changes in Form 1
The government has updated Income Tax Return forms for Financial Year 2025-26, effective 1 April 2026. Here are the key changes and how to avoid scrutiny after filing tax returns.
Form 121 replaces Form 15H, which is filed by senior citizens, as well as Form 15G, which is filed by individuals below the age of 60. Here's a detailed explanation of the changes and key mistakes to avoid while filing Form 121 in FY 2026-27.
Can your Swiggy food delivery and Instamart orders sponsor your next stay at a Marriott hotel?
Marriott Bonvoy has partnered with Swiggy, enabling members to earn MB points on Swiggy transactions like ordering food delivery, groceries, and dining out. These activities help accumulate MB points a little more quickly for the next stay at a Marriott Bonvoy participating hotel.
TDS, TCS new rules: Forms 138 and 140 replace old Forms 24Q and 26Q here's all you need to know
The government has introduced new Forms 138 and 140 for TDS reporting, replacing the old Forms 24Q and 26Q. Here's all you need to know.
Which mutual fund should you add for 15-year SIPs? Expert breaks down multicap vs factor funds
Investors planning 15-year SIPs often face a choice between actively managed multicap funds and factor-based index funds. While multicap funds like Nippon India offer research-driven flexibility, factor-based options such as Edelweiss Nifty 500 Momentum Quality 50 rely on systematic rules. Choosing depends on risk appetite, market understanding, and long-term goals.
NFO Alert: Franklin Templeton Mutual Fund launches Sapphire Equity Long-Short SIF
Franklin Templeton has launched Sapphire Equity Long-Short SIF, its first offering under the SIF framework. The fund uses a quantitative strategy with long and short positions across Nifty 500 stocks. Designed for high-risk investors, it aims to generate alpha through dynamic allocation and disciplined risk management across market cycles.
Equity mutual funds lose up to 14% in March. Check top 10 laggards
ICICI Pru Balanced Fund raises equity allocation to 5-year high
ICICI Prudential's Balanced Advantage Fund has increased its equity allocation to 61.9%, the highest in nearly five years, signaling increased comfort with market valuations after a recent sell-off. This dynamic strategy allows managers to adjust between equity and debt based on market conditions, aiming to benefit investors who prefer automated asset allocation.
Bank of Baroda chief economist Madan Sabnavis states a recession (negative GDP growth for two quarters) is unlikely. Even in a worst-case scenario, GDP growth may slow to around 7% from 7.2-7.25% currently projected.
Growing digital arrest scams use fake police and court threats to coerce citizens into transferring large sums, highlighting the urgent need for awareness, verification, and strong cyber fraud protection.
Income tax portal revamp: 7 key links every taxpayer must check now
Income tax portal revamp introduces new forms, integrated payment module and essential quick links, helping taxpayers in the nation navigate tax frameworks, ensure compliance and simplify filing for assessment year 2026-27.
PAN card application rules changed from 1 April: List of documents you must submit now
The government introduced new PAN application rules from 1 April, mandating additional documentation and updated forms. Here's everything you need to know.
Historical EPF interest rates in India highlight periods of high 12% returns and current 8-8.5% levels, helping subscribers evaluate fund performance and make informed retirement investment decisions.
Market shifts: Where smart money is flowing in volatile markets now.
While experts give guidance on investments, we look at investment instruments attracting inflows.
Looking for mutual funds that beat their benchmarks in 3 years? Here are top 10
Quant Mutual Fund believes the current market situation presents a major buying chance. The fund house is increasing its investments in stocks, seeing attractive valuations. They are focusing on opportunities during market panic and euphoria. India is seen as a relative outlier amid global economic slowdown concerns.
The Income Tax Department has launched the user-friendly website 'Kar Saathi' to centralise Direct Tax information. It features an AI chatbot for 24/7 taxpayer support.
NFOs : 5 mutual funds and 1 SIF are open for subscription. Check dates and key details
UPI hits record high in March 2026: 5 tips to stay protected during digital transactions
UPI transactions hit a record high in March 2026, underscoring the rapid growth of digital payments. This reinforces the importance of following security tips to protect money and ensure safe, seamless financial transactions nationwide.
Stock market turbulence: Why US-Iran war is a wake-up call for diversification, asset allocation
Market turbulence of this nature is not just about losses; its a wake-up call. Investors who once ignored diversification are now actively searching for assets that can withstand such uncertainty. But the reality is more nuanced.
Why your credit card is not a tool for investing or debt repayment
Credit cards promise ease and rewards, but RBI rules draw sharp lines on their use. From travel and gadgets to rent, insurance and investing, heres whats allowedand what isnt.
Nearly 176 debt funds offer returns over FDs in 2 years. Should investors rethink allocation?
SBI has increased fixed deposit rates. However, many debt mutual funds are providing better returns. Investors are now comparing these options. Experts advise choosing based on risk appetite and investment goals. Debt funds can offer higher returns but involve some volatility. Fixed deposits offer guaranteed returns and stability.
Top 10 mutual funds to invest in April 2026
ETMutualFunds presents a curated list of ten top mutual fund schemes. These selections span five key equity categories, offering guidance for regular investors. The article emphasizes understanding fund categories and aligning choices with personal investment goals and risk tolerance. Investors are advised to consider their objectives and risk profile before investing.
Gold, silver ETFs slip up to 4% as Trump signals tougher action on Iran. Whats next for investors?
Silver and gold ETFs experienced significant drops of up to 4% on Thursday following U.S. President Trump's indication of continued military action in Iran. This geopolitical tension, coupled with rising crude oil prices and a stronger dollar, pressured precious metal prices on the MCX, with several ETFs seeing substantial declines.
Own a home with the right payment plan
Before you fall for the affordable home pitch, understand how the 20:80 subvention scheme for under-construction projects works.
DA hike pushed to April: Here's how it could affect central govt salaries and pensions
Once the dearness allowance (DA) is announced, the increased salary would be transferred to the accounts of central government employees with effect from 1 January 2026.
Want to maximise your PPF returns? Here's a simple tip to gain full benefits
The financial year 2026-27 begins today, and the Public Provident Fund (PPF) offers tax benefits and a 7.1% interest rate, making it a safe long-term investment. Here's how you can maximise returns
New gratuity rules from 1 April: Impact on take-home pay, eligibility and calculations explained
Indian employees may receive higher gratuity payouts under the new Labour Codes, which redefine wage calculations. Here's a look at when a higher gratuity is applicable, who is eligible, the changes to the calculation and the impact on in-hand salary.
DA hike delayed, arrears expected in April: 5 reasons behind the unusual delay this year
The central government is expected to announce a DA hike in April 2026, benefitting over 1 crore employees and pensioners. The unusual delay is likely due to administrative checks, the 8th Pay Commission transition and the approval process, with arrears assured, say experts.
Have you only invested in the provident fund so far? Here's how to diversify
Despite the discipline, your portfolio lacks the diversification and high-growth potential that other asset classes can provide.
Mutual funds may have deployed Rs 80,000 crore in March crash: Report
Mutual funds deployed an estimated Rs 80,000 crore into equities during the March market crash, significantly reducing their cash holdings, as they stepped in to counter heavy FII selling. The buying came amid an over 11% market correction and rising crude oil prices linked to the Gulf crisis, highlighting a strong inverse relationship between oil prices and Indian equities.
Planning a 3-year investment in commodity ETFs? Check these top 5
13 equity mutual funds lose over 15% in 6 months. Were they a part of your portfolio?
Around 13 equity mutual funds delivered losses exceeding 15% over the past six months, with small-cap and mid-cap categories leading the decline. Tata Small Cap Fund topped the list with a 23% drop, reflecting broader market weakness and volatility impacting high-risk fund segments.
NFO Alert: Zerodha Mutual Fund launches Nifty LargeMidcap250 Plus 813 Yr G-Sec 70:30 Index Fund
Zerodha Mutual Fund has launched the Nifty LargeMidcap250 Plus 813 Yr G-Sec 70:30 Index Fund, a hybrid index fund offering exposure to Indias top 250 equities and government securities in a single, passively managed vehicle. The NFO is open until April 15, after which the scheme will reopen for continuous sale and repurchase within five business days of allotment.
The volatility trap: Why straddles and strangles fail when you need them most
Options sold as volatility plays hide a structural flawone retail traders often discover too late, after the market moves, premiums collapse, and the trade that seemed safe quietly turns costly.
Rupee hits 95: 6 ways the fall affects your personal finances, experts weigh in
Rupee hits an all-time low against the dollar, impacting personal finances with rising costs on products and services, costlier imports, and higher EMIs. Such a situation requires proper decision-making and long-term investment strategies, highlighting the importance of smart financial planning.
Diversification feels boringuntil markets fall: What investors are missing
Equity SIPs are delivering negative returns despite disciplined investing, data shared by Zerodhas Nithin Kamath shows. Investors often overlook diversification in bull markets. Heres why balancing equity with debt and gold helps manage risk and stay invested through volatility.
New financial year brings significant mutual fund reforms. Expect revised GST, introduction of life cycle funds, and discontinuation of children's and retirement schemes. Equity funds can now invest in gold and silver, while stricter rules apply to thematic funds. These changes aim to boost transparency and investor protection.
MF Tracker: Can Mirae Asset Large Cap Fund extend its strong run? Heres what investors should know
Mirae Asset Large Cap Fund has a strong history of positive returns. However, recent performance indicates a slowdown. The fund has struggled to consistently outperform its peers and benchmark over shorter periods. Experts suggest large-cap funds remain a core part of equity portfolios for stability. Investors should consider their risk appetite and goals.
Silver and gold ETFs rally up to 6% on Iran-US de-escalation hopes. What should investors do?
Silver and gold ETFs saw significant gains on Wednesday. A weaker dollar and easing geopolitical tensions boosted investor sentiment. Gold prices edged up, while silver experienced a slight dip. Experts suggest this consolidation offers an attractive entry point for long-term investors. Rising fuel prices and gold rates create an inflationary environment.
Best mutual fund SIP portfolios to invest in April 2026
ETMutualFunds' best mutual fund SIP portfolios are meant for three different individual risk profiles: conservative, moderate and aggressive. We have also considered three SIP baskets between Rs 2,000-5,000, between Rs 5,000-10,000 and above Rs 10,000 while creating these portfolios. Take a look at our recommended portfolios.
April 1 checklist: 10 money moves you must make today to start FY27 right
Start FY27 strong with a smart financial planning checklist covering budgeting, tax-saving investments, insurance review, emergency funds, SIP growth and portfolio rebalancing to secure long-term financial stability.
Income Tax, Finance Changes, April 1 LIVE Updates: The New Income Tax Act comes into effect today, April 1, 2026. Get real-time updates on tax slabs, increased standard deductions, and the simplified capital gains regime. See how your take-home salary changes today.
How will Middle East tensions impact Indias debt market?
Geopolitical tensions are driving up crude oil prices, impacting India's bond yields and weakening the rupee. This inflationary pressure is causing mark-to-market losses, especially in long-duration debt funds. Investors with longer horizons can weather short-term dips, while those with shorter goals should opt for less volatile funds. Patience is advised before increasing gilt fund exposure.
Red tide in equity funds: Only a few stay afloat
Equity mutual fund returns have faced significant pressure over the last year, with most categories experiencing value erosion. Large-Cap, Flexi-Cap, and Focused Funds saw category averages decline between 3.5% and 4.3%. While Small-Cap funds struggled, Mid-Cap funds demonstrated relative resilience.
Centre notifies income tax return forms for AY27: Here's all you need to know
The income-tax department has notified all seven ITR forms for AY2026-27. Taxpayers must choose the correct ITR form based on their past tax filing history and current income profile.
How do I secure my business recipe and brand for the next generation?
A 70-year-old soft drink entrepreneur seeks advice on passing on his recipe, brand name, logo and other intellectual property to his children through structured estate planning.
In Budget 2025, Finance Minister Nirmala Sitharaman announced no income tax for salaries up to 12 lakh under the new tax regime. Taxpayers must choose between new and old regimes based on their financial situation.
Your gold jewellery in bank lockers may not be fully insured. Here's how you can truly secure it
Indian households hold 25,000 to 30,000 tonnes of gold, mostly in jewellery and coins, with significant wealth gains from rising gold prices. Here's how to navigate the questions over storage, safety, insurance, investment and risk-returns.
US Social Security Payments April 2026 schedule: Key dates for beneficiaries, eligibility criteria
Social Security payments in the United States for April 2026 will be distributed based on beneficiaries birth dates. Those born between the 1st and 10th will receive payments on 8 April, while others will be paid later in the month.
Confused about EPF? 5 common myths on interest, pension and retirement age decoded
EPF rules explained with clarity on interest, pension eligibility, withdrawals, and retirement timelines, helping salaried individuals optimise EPF benefits and avoid costly misconceptions in long-term financial planning.
Starting 1 April 2026, significant financial rule changes will affect taxpayers, bank customers, and digital payment users in India, including the new Income Tax Act and the two-factor authentication for digital transactions. Details here.
CBDT clarifies TDS on bank interest under the Income Tax Act 2025, ensuring clear thresholds, senior citizen benefits and smooth compliance, helping depositors manage fixed deposits and recurring interest efficiently.
Setting return expectations in mutual funds? Here is what investors need to know
Setting realistic return expectations is crucial for mutual fund investors, especially in volatile markets. Experts highlight that returns cannot be guaranteed, and AMFIs indicative ranges should only be used for planning. Investors should align expectations with goals, risk appetite and time horizon, rather than chasing fixed or past returns.
Wellness, risks and returns: Inside Rakulpreet Singhs investment strategy
The actor-entrepreneur invests in fitness, food, and lifestyle brands, betting on passionate founders while managing losses strategically.
Planning to invest in smallcaps? These top 5 funds deliver 28%+ annualised returns in 3 years
Top small-cap mutual funds have delivered over 28% annualised returns in three years, attracting investors seeking high-growth opportunities despite higher risk.
RBI Sachet Portal helps users verify financial institutions, report fraud, and track complaints.
5 equity mutual funds offer over 21% annualised return on SIP investments in 10 years. Check details
Duration or accrual: Where should debt investors park money now?
Debt mutual funds follow different strategiessome bet on falling rates, others earn steady income. With yield spreads wide, heres how duration and accrual strategies stack up now.
Rupee under pressure? Baroda BNP Paribas Aqua FoF offers a global growth hedge
Investors are exploring global equity markets for diversification and growth, especially with the Indian rupee facing pressure. The Baroda BNP Paribas Aqua Fund of Fund offers dual benefits: exposure to international equities and potential gains from currency depreciation. This thematic fund focuses on the water value chain, providing geographical diversification and reducing reliance on domestic market cycles.
Market crashes teach what no book or course ever can
The only way to truly learn investing is to live through the fear and the panicbecause markets dont test your knowledge, they test your nerve. Real conviction is forged not in bull runs, but in moments when staying invested feels hardest.
Nippon India Taiwan Equity Fund emerged as the top-performing mutual fund of FY26, delivering over 171% returns, driven by a strong semiconductor and AI-led rally. Experts caution against chasing past performance, advising investors to treat it as a high-risk satellite allocation within a diversified global portfolio.
April 1 Financial Rule Change LIVE Updates: ITR, PAN, salary, LPG prices set for major revisions
April 1 Financial Rule Changes LIVE Updates: One of the most significant changes from 1 April is the implementation of the new Income Tax Act, 2025. Follow Mint's LIVE coverage of 1 April financial rule changes.
