40 C 
Brokers Call: PNC Infratech (Accumulate)
Elara Securities
Can recovery agents threaten or harass you? Here's what the new RBI rules say no excessive calls
RBIs 2026 recovery rules aim to curb harassment and strengthen borrower protection, with strict action against intimidation by banks and NBFC agents. Recovery agents cannot harass borrowers, while borrowers must also understand and fulfil their financial responsibilities.
How to avoid TDS deduction on EPF withdrawal: Eligibility and rules explained
Withdrawing from your EPF before five years may incur TDS if the amount is over 50,000. Exemptions exist for those with nil tax liability who can submit Form 121. Details here.
20/4/10 rule explained: How this budgeting formula can prevent car loan stress
Hooked on a shiny car but worried about loan stress? Start with the 20/4/10 rule to protect your finances: 20% down payment, 4-year loan, and total car costs under 10% of your monthly income. Read on to understand the basic concepts before you lock in with a fresh car loan EMI.
Rupee near record low How it impacts your daily expenses, investments, travel, and EMIs
If you feel that weaker rupee is just a macroeconomic factor and staying behind the picture, here's a reality check. Here's how it could impact your daily life, from investments, travel, to your EMIs.
Nifty crosses 24,000 on US-Iran peace hopes, crude plunge
The Nifty 50 closed at 24,031.70, up 312.40 points (1.32%), marking its first close above 24,000 in recent sessions; The BSE Sensex ended at 76,488.96, gaining 1,073.61 points (1.42%)
Rupee gains for third straight session, settles at 95.25 against dollar
The rupee gained as Brent crude prices fell sharply and the dollar index weakened
Indians sending money abroad for various purposes must comply with new income tax forms 145 and 146, replacing Forms 15CA and 15CB. Details here.
Top 5 silver ETFs by lowest tracking error that closely mirror silver prices
Tracking error is one of the most important factors to check while choosing a silver ETF. It shows how closely an ETF follows the actual movement of silver prices. A lower tracking error means the ETF is doing a better job in mirroring silver prices.
As petrol and diesel prices have risen by 8 per litre in the last ten days crossing the 100 per litre mark in Delhi I asked ChatGPT, which would be a more affordable means to commute daily from Delhi to Gurugram.
The job market is changing; AI is prompting me to adapt by enhancing my skills and expanding my network. Check how ChatGPT helped me improve my job search.
8th Pay Commission updates: Delay in wage revision could increase govt's fiscal costs, says expert
Momentum around the 8th Pay Commission builds as consultations expand across states, with growing focus on salary revision, pensions, HRA and fiscal planning for government employees.
DA, DR hike: Difference between dearness allowance and dearness relief, explained
Dearness allowance (DA) and dearness relief (DR) are salary components for central government employees and pensioners, revised biannually based on inflation both aimed at offsetting cost-of-living increases.
Sensex, Nifty, Share Prices LIVE :Indian benchmark indices surged on Monday, with the Sensex soaring over 1,000 points and the Nifty crossing 24,000, driven by easing crude oil prices, improving global sentiment, strong financial stocks and optimism surrounding a potential US-Iran deal.
Oil slump, RBI support manifest in rupees three-day winning streak
The rupee closed at 95.23 per dollar, up over 1.5% since Wednesday, when it had hit a record low of 96.96 per dollar
Gold futures rise to 1.59 lakh/10g on weak dollar, US-Iran peace deal hopes
On the Multi Commodity Exchange, the yellow metal for the June delivery increased by 426, or 0.27%, to 1,59,105 per 10 grams in a business turnover of 5,312 lots
NPS vs NPS Sanchay: Key differences between the two retirement schemes explained
The National Pension System (NPS) is a popular retirement scheme in India. PFRDA introduced NPS Sanchay for informal sector workers, differing from regular NPS in eligibility and structure.
Sebi has uncovered a stock manipulation scam involving unregistered finfluencers who misled retail investors via social media, earning over 20 crore in illegal profits. The case highlights rising risks of social media stock fraud and the need for stronger investor awareness.
The hidden cost of carrying your home loan
Equity investing will continue to create wealth into the future. But when the spread between borrowing costs and expected returns narrows, balance sheet strength is just as important as portfolio returns, if not more.
OMC stocks rally 5.8% as crude slips below $100; fuel prices raised for fourth time in two weeks
HPCL led gains with a 5.8% rise to 412.55 on the NSE, BPCL advanced over 4% and IOC was up 3.7%
If you purchased gold, how did the import duty change affect your gold purchase locally? The import duty prices are included by the jeweller in the gold prices, which also fluctuate based on other conditions.
Nifty holds near 24,000, Sensex above 76,200 at midday; Eicher Motors, Wipro lead gains
Eicher Motors remained the top gainer on the Nifty50, trading at 7,356, up 5.36 per cent on volumes of over 8.97 lakh shares
The rising costs of everyday goods are hitting households hard, with global shipping bottlenecks and increased fuel prices as key culprits. Experts warn that this inflationary pressure will soon affect everything from grocery bills to loan interest rates.
5 powerful ways to improve your SIP performance and build long-term wealth faster
One of the biggest mistakes people make while doing SIP is sticking to the same amount for years. When inflation is rising, lifestyle changes, and salary increases, then you should also consider increasing your SIP contribution.
SIP can help you build a 1 crore education corpus for your child through early compounding heres how
SIP investing for your childs education can build a 1 crore corpus through the power of early compounding. Starting an SIP early reduces the monthly burden and ensures longterm financial security for your child.
Oil marketing companies rally; HPCL shares climb nearly 6%
Petrol and diesel prices were raised by 2.61-2.71 per litre on Monday, marking the fourth increase in less than two weeks
Rupee gains as crude oil prices fall below $100
RBI Governor Sanjay Malhotra said the Indian Rupee is not overvalued and may, in fact, be undervalued after the recent depreciation
Gold and silver prices gained on 25 May, with gold reaching 160,060 per 10 grams and silver rising to 276,830 per kg. The rally was supported by a weaker dollar and lower crude oil prices amid growing optimism over a potential US-Iran peace deal.
Eicher Motors surges 5% as record Q4 profit draws bullish street bets
Goldman Sachs maintained a Buy with a revised target of 8,400, raised from 8,000, calling the Q4 print broadly in line
Rupee climbs 0.4% to 95.3425 on oil relief, RBI valuation comment
The currency may now be undervalued following its recent slide versus the dollar, RBI Governor Sanjay Malhotra said
Sensex, Nifty surge over 1% as crude tumbles on USIran deal hopes; Eicher Motors leads gainers
Sensex rises over 850 points in early trade; rupee recovers and auto, financial stocks lead gains
Q4 Results Today Live: Find all the latest update on the financial results of the companies scheduled to announce, here.
The rupee may be undervalued, Sanjay Malhotra tells Mint
A gauge of the rupees competitiveness against other currencies stood at 90.96 in April, showing the currency is likely undervalued against peers
Gold jumps as prospects of Iran deal temper inflation concerns
Bullion rose as much as 1.6% to around $4,580 an ounce, erasing a moderate loss from last week
Asian shares edge up, oil prices fall after Trump says peace talks on Iran war proceeding
Nikkei surges over 3% in morning trade
Can NRIs get Indian credit cards? Heres what banks dont tell you
Premium Indian credit cards can offer NRIs strong rewards, travel perks and family supportbut forex fees, KYC norms and eligibility rules can complicate the math.
Bond investors tap soaring swap rates to juice returns
Swap rates have gained since the US-Iran war began in late February, as traders bet that an oil-drive inflation surge will lead to tighter monetary policy, with the three-year OIS touching its highest level since 2023 last week.
Nifty may open with 200-point gain as crude slips sharply
But rupee, crude oil price movement will anchor market direction
US-Iran deal optimism offers rupee, bonds a breather
The rupee fell to a record low of 96.96 per dollar last week before being shored up by firm central bank intervention, which helped it close stronger at 95.69 on Friday.
Sensex today | Stock Market Live: Stock to buy today: Saregama India(402.70)
Sensex, Nifty, Share Prices LIVE: The stock of Saregama India has been charting a sideways trend, largely between 315 and 370, since the beginning of this year.
Higher NPS returns: The PFRDA has sets up a panel to explore adding more asset classes to the national pension scheme to improve returns for pensioners, according to Chairman S Ramann. Here's all we know
How to move your PPF account between banks or post offices; Can it transferred to another person?
PPF account holders can transfer their accounts between banks and post offices without losing continuity. However, it cannot be transferred from one individual to another. Details here.
EPFO: What is scheme certificate, why do EPF members need it, and who is eligible? Top FAQs answered
EPFO: The Employee Provident Fund Organisation issues scheme certificate to EPF account holders. Here's why you may need it, when it is issued to members, who is eligible and other such FAQs answered
Buying a flat? Heres what no EMI till possession actually means
Real estate developers offer 'no EMI till possession' schemes to attract buyers, allowing them to defer home loan payments until property completion. Here's how it works.
Gold, silver likely to remain rangebound as US-Iran negotiations near key stage: Analysts
Gold prices are expected to trade sideways next week. Silver, however, is likely to see gains. Traders are closely watching US-Iran negotiations for clues. Investors will also track US economic data and Federal Reserve policy. Crude oil prices saw a correction, easing some inflation worries. The rupee strengthened against the US dollar, limiting domestic gold price upside.
What is tax residency certificate and how to receive it in India? Details here
Indian residents earning income abroad and non-residents earning in India may face double taxation. To avoid this, double taxation avoidance agreements exist. Tax residency certificates are required to prove residency and claim benefits.
8th central pay commission: Here's how employee groups want pay structures to be changed, explained
8th central pay commission: Here's how the three big employee groups the NC-JCM, AIDEF and Maharashtra Old Pension Organisation, want central government employees' pay structures to be changed. We explain
How to update demat account details online? Complete guide for investors
Investors should keep their demat account information updated, especially KYC details. Changes in personal information must be promptly reported to avoid compliance issues. Here's how to update demat account details online.
How to redesign a 12 crore portfolio for clarity and long-term stability
A 42-year-old entrepreneur with 12 crore across equity, real estate and debt wants simplicity. Heres how to declutter holdings, align with goals, and structure surplus wealth smartly.
Dearness Allowance: Tripura has declared a 5% increase in the DA component of basic pay for state government employees, hiking salaries and pension payout of retirees from 1 April. Here's all we know
Switching brokers or gifting stock? Heres how to transfer shares to a new demat account
Investors may transfer shares between demat accounts for various reasons, such as switching brokers or gifting. Transfers can be done either through the online or offline method.
Gold ETF vs EGR vs digital gold: Whats the smarter way to invest in yellow metal?
There are several ways to invest in gold, including Gold ETFs, Electronic Gold Receipts, and Digital Gold. But which option is best for regularly investing your surplus monthly income? Lets explore.
Credit card fees and charges: Here are top things to watch for to manage credit effectively
Credit cards incur various fees such as joining, annual, transaction, cash advance, and late payment charges. Fees can vary widely and may be waived based on spending. Understanding these costs is essential for managing credit effectively.
Hard vs Soft credit inquiries: 5 important differences that can impact your credit score
Knowing the difference between hard and soft credit inquiries is important for maintaining good credit health. Soft inquiries do not impact your credit score, whereas multiple hard inquiries within a short period can reduce it. Responsible credit habits can help you build a strong credit profile.
Top 5 flexi cap mutual funds to consider for SIP in a volatile market
Flexi cap funds are types of equity mutual funds that invest at least 65% of their collected money in equity and related instruments. They invest across large-cap, mid-cap, and small-cap stocks.
I gave ChatGPT a 10,000 budget for a summer trip Heres whether It chose Goa or Puducherry
Goa is ideal for energetic group vacations with nightlife and beach activities, while Puducherry offers affordability and relaxation. Goa's costs range 10,000- 12,000, whereas Puducherry can fit within 8,000- 10,000, making it suitable for budget-conscious travelers seeking a peaceful experience.
On May 24, gold prices in India remained stable with 24-karat gold at 159,340 per 10 grams. Silver prices also showed limited movement. The MCX is closed on weekends, affecting live trading rates.
Madhya Pradesh's Ladli Behna Yojana offers 1,250 monthly to over 1.25 crore women. Government employees are ineligible, while salaried women in private jobs can apply if their family income is below 2.5 lakhs. The scheme promotes women's economic empowerment since its launch in June 2023.
Investing through SIPs, it's essential to prioritize consistency and cash flow over frequency. Monthly SIPs are preferred for their efficiency and discipline, offering similar long-term returns as daily SIPs, while quarterly SIPs may underperform due to longer idle periods before investment.
US-focused funds have outperformed Indian equities over the past decades, raising questions on allocation. Abhishek Kumar warns against excessive investment in US equities, advocating for a 5-15% allocation for diversification while noting the risks and tax implications for Indian investors.
The most honest market advice right now: I dont know
As markets grapple with war, oil shocks and uncertainty, the temptation to forecast grows. But the most valuable advice may still be the simplest: stay invested and admit what no one knows.
Bank holiday next week: SBI, HDFC, others closed on these days between 25 and 31 May; check here
India's banks will be closed for two days next week, including May 27 for Bakrid. The RBI has declared nine holidays this month. Online banking remains operational during these closures, allowing customers to conduct transactions anytime.
What happens if you file the wrong ITR form? Consequences and how to fix it
The Income Tax department has notified ITR forms for FY 2025-26. Taxpayers must select appropriate forms to avoid defects that delay processing and refunds. Here's what happens if a person files the wrong ITR form.
In Bengaluru, high living costs limit savings for professionals. A ChatGPT inquiry about spending 20,000 monthly on an iPhone or investing it reveals significant financial implications, with potential wealth loss of 1417 lakh over five years if not invested.
Short on capital to buy stocks? Heres how margin trading facility can help
Margin Trading Facility (MTF) allows investors to buy stocks by paying a portion upfront, with brokers funding the rest. While it offers opportunities, it carries risks as borrowed amounts incur interest. Details here.
ChatGPTs opening response was direct and reassuring: Your goal should be to double your savings from 25,000 to around 50,000 per month
No Will? The crucial need for succession planning among modern women
For a Hindu woman dying intestate (without a Will), the legal line of succession depends entirely on the asset's originspecifically distinguishing between self-acquired and inherited property
Can freelancers use presumptive taxation under Section 44ADA? Rules explained
Freelancers in India can simplify tax filings using Section 44ADA, allowing them to declare at least 50% of gross receipts as taxable income. Details here.
Foreign investors have withdrawn over 2,20,000 crore from Indian equities in 2026, influenced by high oil prices and inflation. How should retail investors navigate this situation? Read to know
Can every EPF subscriber claim pension after retirement? Rules explained
The EPF scheme supports retirement savings with both employees and employers contributing 12% of basic salary. The EPS provides pensions for eligible employees after retirement. Details here.
FPIs pull out 3,325.83 crore from Indian equities in a week of two halves
Net buyers on the first two days of the week, FPIs turned aggressive sellers on the latter three days amid weakening global sentiment
On a trade-weighted basis, the rupee is fundamentally undervalued, creating a strong margin of safety for investors, the report says
Sales volume for the sector, comprising jewellery, coins and bars, is expected to decline 13-15% on-year this fiscal, after an 8% contraction last fiscal
Retirement planning: We asked experts how much corpus a 27-year-old freelancer, living in Chennai and planning to retire to Munnar, will require to support parents and slow work by 55 years of age. Here's what they said
Does debit card EMI affect your credit score? Everything you need to know
Debit card EMI influences credit score based on repayment behaviour, with timely payments improving credit profile while defaults or multiple loans may negatively affect borrowing capacity across financial institutions.
With a dedicated credit limit for business expenses, the card can be used across a wide range of expenses including office supplies, digital marketing spends, SaaS subscriptions, and business travel.
Why the first crore feels slow, but the next comes faster 8-4-3 rule of compounding explained
Investing benefits from compounding over time, highlighted by the '8-4-3 rule' which shows how wealth accelerates. FundsIndia's report emphasizes patience, revealing that equities show true potential after seven years, with returns significantly outweighing contributions in the long run.
Missed a home loan EMI? Here are smart steps to avoid credit damage and manage loan repayment stress
Missing a home loan EMI can hurt your credit score and weaken your financial stability. Timely communication with your lender, smart repayment planning and expert financial advice can help you manage the situation effectively.
Parents can build a 1 crore corpus for their child by age 18 through early investments, averaging 8,000 10,000 monthly via SIPs. Compounding plays a key role, and delaying investment increases monthly contributions significantly.
I asked ChatGPT which SIP date gives best returns? Here's what AI said based on historical data
There is no single best SIP date for maximizing long-term returns; historical trends show negligible differences between dates. Staggered SIPs on the 1st, 15th, and 25th offer a balanced approach. Factors like increasing SIPs and maintaining asset allocation are more important for wealth creation.
Paytm Pocket Money to FamApp: 8 apps helping teenagers make digital payments without bank accounts
Teen-focused fintech apps like Paytm Pocket Money and FamApp are helping young Indians make digital payments without bank accounts through prepaid cards, UPI access, parental controls and budgeting tools.
On 23 May, gold prices in India remained stable, with 24-karat gold priced at 159,320 per 10 grams. Silver prices also showed limited movement, with 999 Fine silver at 272,250 per kg. MCX trading is closed on weekends, limiting live updates.
Delhi Chief Minister Rekha Gupta announced the resumption of issuing new ration cards from May 15 after 13 years. The government has cancelled 7.72 lakh invalid cards and is inviting fresh online applications, with eligibility limits for annual family income raised from 1 lakh to 1.20 lakh.
National Pension System: PFRDA clarifies NPS charge structure what you need to know
The PFRDA has clarified that NPS Tier-II accounts will incur annual maintenance charges (AMCs) similar to Tier-I accounts. The AMC for dormant accounts will be 10% and PRAN opening charge shall apply only at the time of initial PRAN generation.
Petrol and diesel prices rose by up to 91 paise per litre, marking the third increase in less than 10 days. Analysts predict further hikes may be necessary as oil companies face significant losses due to elevated crude prices stemming from the West Asia conflict.
Bank holiday today: Are SBI, HDFC Bank, and other banks closed on Saturday, May 23?
All banks in India are closed on May 23, 2026, due to the scheduled bank holiday on the fourth Saturday. This closure is part of the RBI's holiday schedule, with banks also closed on specific Sundays and local holidays varying by state.
Emirates NBD to launch open offer for 26% stake in RBL Bank from June 1
The offer will open on June 1 and close on June 12.
Can PPF investors open multiple accounts in different banks? Rules explained
The Public Provident Fund (PPF) is a government-backed savings scheme in India, offering 7.1% interest with tax benefits. Individuals can only maintain one account to prevent misuse of tax benefits.
