32 C 
A CA has warned that India's middle class may see wealth decline even with salary increases. He states that investment strategies need to shift from savings to growth to counteract rising inflation and living costs.
With rising credit card fraud incidents, users should remain vigilant and take quick steps to ensure that suspicious transactions are reported to the relevant authority without delay. Here's all you need to know
Want to transfer or gift your mutual fund units to a loved one? Here's a step-by-step guide
Mutual funds: Transferring MF units involves converting them to demat format, with specific processes for gifting or transmission. Here is a step-by-step guide to gifting your MF units to a loved one.
Effective credit management includes monitoring scores and reports. Credit scores indicate responsibility, while reports detail history. Knowledge of both is essential for securing loans and improving financial standing.
Investing in digital precious metals offers several advantages. These include no storage hurdles and no risk of theft or purity issues.
What is MWP Act and why is it crucial while buying life insurance?
Despite taking a term insurance policy, Pran Kumar's family did not receive the payout after his death due to his failure to register it under the MWP Act, which protects insurance benefits from creditors and ensures they go directly to beneficiaries.
Can non-resident heirs inherit agricultural land in India?
Inheritance is permitted under Indian law, but state-level restrictions, transfer limits and repatriation rules can complicate how such land is held or sold.
Textile, seafood stocks in focus after US tariff refund roll-out, select counters end higher
Avanti Feeds and Apex Frozen Foods settle lower after hitting their 52-week highs on profit-booking sales
How much EMI is too much? Experts say keep it within 30% of your income
EMI burden can quietly strain finances, so keeping EMI within 2530% of income ensures financial stability, better savings, and stress-free loan management aligned with long-term financial goals.
Rupee plunges 32 paise to settle at 93.48 against US dollar
MUMBAI, Apr 21: The rupee declined 32 paise to close at 93.48 (provisional) against the US dollar on Tuesday, weighed down by a steady American currency and volatile crude oil prices amid uncertainties over the progress of West Asia peace negotiations. Positive domestic equity markets failed to boost local currency, which also had some impact of the Reserve Banks latest move to ease curbs on speculative bets in non-deliverable forward markets, forex analysts said. The Reserve Bank on Monday partially [] The post Rupee plunges 32 paise to settle at 93.48 against US dollar appeared first on Daily Excelsior .
Who needs an income tax clearance certificate before leaving India? New rules explained
Many were confused by claims that an income tax clearance certificate (ITCC) is mandatory for all travellers departing the country. The government clarified that ITCC is required only for specific individuals. Here's what the new rules say about NRIs.
I took help from ChatGPT and Gemini to decide if I should buy an iPhone on a yearly salary of around 7-9LPA. What the two AI's told me, changed my decision
Kerala loan app crisis: 15,000 complaints, 7 suicides 5 crucial lessons every borrower must know
Shocking revelations from the Kerala loan app crisis expose illegal lending scams, harassment and suicides, warning digital borrowers to stay cautious, verify lenders and protect personal data online.
Tax-exempt investment options in India here are 5 EEE instruments for long-term savings
Investors seeking post-tax returns can consider EEE instruments in India, which provide tax benefits throughout the investment cycle. While primarily found in government schemes, they offer a stable and safe option for traditional investors.
US Social Security: April's last payment to be sent tomorrow, are you on the list?
The final April Social Security payments will be distributed this week, specifically on April 22 for beneficiaries born between the 21st and the month's end. The May payment cycle will start after that, with SSI payments expected on May 1, 2026.
8th Pay Commission: 69,000 minimum salary, 3.83 fitment factor; NC-JCM's 7 key demands explained
8th Pay Commission NC-JCM demands explained: They cover key issues such as salary, fitment factor, and pension reforms. The proposal includes a minimum salary of 69,000. It also suggests a 3.833 fitment factor. The aim is to improve pensions and the overall pay structure.
Dont apply for a visa before knowing this key cost difference
Choosing between single-entry and multiple-entry visas depends on travel frequency, budget, and plans. Single-entry visas are cheaper for one-time trips, while multiple-entry visas provide flexibility and convenience for frequent travelers, despite higher initial costs.
Ceasefire uncertainty keeps gold prices steady as crude surges on Hormuz closure
Spot gold was trading around $4,794$4,825 per ounce, pinned within its recent $4,750$4,850 band, while silver hovered near $79.30, holding above the key $78 support level
Sensex surges 700 points at midday; Trent, Bajaj Finance lead rally on ceasefire optimism
Broader market breadth remained firmly positive on the BSE. Of 4,274 stocks traded, 2,667 advanced against 1,418 declines, with 189 unchanged.
GSTR-3B March 2026 filing: Was the 20 April deadline extended? What happens if you miss due date?
Tax professionals are voicing concerns over technical glitches affecting GSTR-3B filings for the March 2026 tax period. The GST portal also shows that a one-day extension is under consideration, but no official announcement has been made yet.
Gold falls as investors await clarity on US-Iran talks, dollar edges up
The US dollar edged up on Tuesday, making greenback-denominated commodities more expensive for holders of other currencies.
8th Pay Commission update confirms that the memorandum submission remains open until 30 April, allowing government employees, pensioners and stakeholders to share their inputs for the pay and pension review process.
Indias home loan boom runs into a paperwork wall
Heavy documentation, uneven processes and opaque practices continue to slow borrowers, even as credit fuels most home purchases.
Jio Financial shares slip after Q4 profit falls 14%; stock down 20% YTD
The Reliance Industries-backed financial services company reported a consolidated net profit of 2.72 billion for the March 2026 quarter, down 14% from 3.16 billion a year earlier
Vedanta shares hits 52-week high as demerger record date triggers rally
The stock opened sharply at 791.70 before pulling back slightly, with traded volume already at 109.55 lakh shares and turnover crossing 860 crore
BoM shares hit 52-week high on strong Q4 earnings
The stock rose over 6% to 80.43 on the NSE, up from 75.54, due to strong investor response to the banks earnings and growth outlook
Steel Exchange India raises 75 crore from IMR Group via convertible warrants
The companys board had on March 4, 2026 approved raising up to 350 crore through convertible warrants on a preferential basis
Billionbrains Garage Ventures (Groww) shares soar 4% on strong Q4 profit surge
The stock was trading at 202.26 around 10 am, after rising to an intraday high of 203.37 from the previous close of 196.11, as investors reacted positively to the earnings momentum and growth outlook
Dollar subdued as markets eye ceasefire talks; yen pressured by BOJ delay
With the ceasefire set to expire this week, the fate of Iran peace talks remained uncertain
The morning rally was underpinned by reports that Iran will send a delegation for a second round of talks with the United States, with fresh negotiations expected in Pakistan this week
Q4 ResultsToday, April 21, 2026, Live Updates: Catch live updates
Rupee markets navigate partial RBI rollback, USIran risks simmer
The rupee will open in the 93.08-93.14 range versus the US dollar, per traders, having weakened 0.2% to 93.1275 on Monday
Gold steady as investors await clarity on US-Iran talks
Oil prices fell as investors reassessed supply risks on expectations peace talks between the US and Iran will take place this week and allow more supply to flow from the key Middle East producing region.
Indian markets seen volatile as US-Iran ceasefire expiry weighs on sentiment
Traders are closely watching developments in peace talks, crude oil prices, and the ongoing Q4 earnings season
Stocks to watch on Tuesday: Suzlon, Hyundai, TVS Motor, HCL Tech, TCS, JSW Steel among key names
IndiaKorea business ties expanded with multiple MoUs across renewable energy, steel, IT and mobility sectors, as Suzlon, TVS Motor, Hyundai, JSW Steel, TCS and others announced major global partnerships, investments, expansions and technology collaborations
Key triggers for oil stocks: HPCL, RIL, OIL in focus
Oil stocks including HPCL, Reliance Industries and Oil India are in focus amid sector-specific triggers, including upstream developments, refining trends and policy cues, which are expected to influence trading sentiment and near-term movement in energy counters.
Stock Market Live: Stock to buy today: Balrampur Chini Mills
Sensex, Nifty, Share Price LIVE: The stock has begun the week on a strong note by surging over 6 per cent on Monday. This rise indicates that the up move is gaining momentum. Support is in the 500-490 region. The price action since December last year is happening inside a bull channel. The recent rise is happening from the lower end of this channel. Balrampur Chini Mills share price can rise to 560-565, the upper end of the channel in the coming weeks.
BHIM App users can now easily track their CIBIL Score. Here's how to do it
CIBIL Score integration in the BHIM Payments App enables users to securely access credit reports, track their financial health, and increase credit awareness, supporting smarter money decisions.
PPF is a government-backed savings scheme with tax-exemption that parents or guardians can open for their child / minor in care, till the account holder turns 18. Here's all you need to know about the process, contribution limit, deduction, and more
Kothari Industrial Corporation shares now listed on the NSE as well
The companys shares are already listed on the BSE
Top investment options 2026: Compare fixed deposits, PPF, mutual funds, ELSS, and gold to balance risk, returns, and inflation protection amid geopolitical uncertainty and evolving economic conditions in India.
Tax Collected at Source: Here's how changes to TCS rates impact you check bank charges applicable
The Centre has TCS charges to ease tax burden on individuals. The changes are expected to give households and travelers relief. Here's how they impact you and what ICICI Bank and HDFC Bank have informed customers
Vedanta fixes May 1 as record date for business split
As retirees reach 60, fixed deposits (FDs) offer a secure investment option for managing expenses like medical and living costs. Here is a comparison on what's on offer from various private and public lenders
Gold falls on inflation fears, firmer dollar amid renewed US-Iran tensions
Gold hits lowest level in a week
Nifty holds 24,300, but bulls struggle to break past 24,500 resistance
Nifty 50 ends at 24,364, up just 11 points or 0.05%, while Sensex inches up 26 points to close at 78,520
Mastering your 50,000 monthly income: A practical ChatGPT-inspired expense plan
A practical guide to managing a 50,000 monthly income using structured budgeting, highlighting savings, investments, and the importance of personalised financial planning for long-term stability in any country.
The government-backed Sukanya Samridhhi Yojana can help secure major life expenses, such as education, healthcare, hobbies and other aspirations for your daughter. Here's if and how you can conduct partial or full withdrawals before complete tenure.
I consulted ChatGPT and Gemini on which car I should buy on a yearly salary of 7-9 lakh. The answers by AI chatbots changed my perspective on the buying decision.
As UPI fraud worries rise, can the e-rupee be a safer way to pay?
With 10.64 lakh UPI fraud cases worth 805 crore reported in FY26 (till November), RBI is tightening instant payments. But can the e-rupees token model lower scam risks?
Niva Bupa ReAssure 3.0 vs HDFC ERGO Optima Secure+: Which health plan is worth your money in 2026?
Niva Bupa ReAssure 3.0 vs HDFC ERGO Optima Secure+ comparison highlights, features, coverage, riders, premiums and benefits to help choose a suitable premium health insurance plan. Make sure you seek professional guidance before locking in on any plan.
Groww reports 87% revenue jump in Q4, posts 686.4 crore profit as Board sees Director exit
For the full financial year FY26, consolidated revenue from operations reached 4,644.6 crore against 3,901.7 crore in FY25, while annual net profit came in at 2,083 crore
IEX shares tumble 8% after CERC draft on market coupling raises concerns
The decline followed the release of a draft proposal by the Central Electricity Regulatory Commission on electricity price discovery, which introduces market coupling norms that could significantly alter the dynamics of power exchanges in India
How gold turned $609 billion of imports into a $1.9 trillion stockpile?
Between 2011 and 2025, India imported $609 billion worth of gold. At todays prices, that holding is worth $1.9 trillionmaking gold one of the greatest household wealth creators in modern India.
Zydus Wellness extends RiteBite Max Protein into RTD shakes, ghee-jaggery bars and Korean chips
On the NSE, Zydus Wellness shares traded at 500, up 0.15% on Monday, against a 52-week range of 331552.40
Markets reverse early losses, Sensex climbs 377 points by midday; SBI, Trent lead gains
The turnaround came despite a fragile global backdrop
Akshaya Tritiya witnessed buoyant sales across gems & jewellery despite high gold prices
On April 19, the auspicious occasion drew large crowds at jewellery showrooms nationwide, with estimates indicating significant gold purchases despite a sharp price increase over the past year
Silver futures fall 5,175 to 2,51,967/kg
On the Multi Commodity Exchange, May silver contracts fell by 5,175 (2.01%) to 2,51,967 per kg, with a turnover of 1,505 lots
Aavas Financiers names Kotak Executive as new MD & CEO
Dont have PAN or taxable income? You must file Form 157 before travelling abroad
Under the old IT regime, PAN was mandatory for filing Form 156 that was required to be filed by outbound travellers. While Form 156 could be filed on the e-filing portal of the IT department in the old regime, Form 157 can be done only manually under the IT Act, 2025.
ICICI Bank shares climb over 2% post earnings announcement
Bank reports healthy asset growth but flags future uncertainty due to West Asia conflict
Titagarh Naval Systems launches fourth Navy Diving Craft
The craft is part of a series of five DSCs being built under the Government of Indias Make in India initiative
Krishival Foods hits 15,000 deep freezer mark as Melt N Mellow bets big on cold chain
The stock was trading at 328.95 on Monday morning, up 0.57 per cent from its previous close, with a total market capitalisation of approximately 733 crore.
Poonawalla Fincorp launches AI platform to automate 80% of customer interactions
The platform is designed to autonomously handle up to 80% of voice and chat interactions, routing complex or sensitive cases to human agents
Nifty slips below 24,300 at open as Iran tensions, crude spike rattle investors
The sell-off comes after Iran hardened its position over the weekend, with the Strait of Hormuz reported closed again after briefly reopening on Friday
Q4 Results Today, April 20, 2026, Live Updates: Catch live updates
Indian markets set for cautious open amid US-Iran tensions, oil price surge
Amid volatility, Gift Nifty indicates a gain of 100 points
Stock Market Live: Stock to buy today: KFin Technologies
Sensex, Nifty, Share Prices LIVE: The stock of KFin Technologies has been charting a sideways trend since the beginning of March. It has largely been oscillating between 870 and 950. On Friday, the stock decisively broke out of the resistance at 950. Prior to consolidation, the trend was bearish. The way the scrip has been moving since the start of this year a downtrend followed by a sideways crawl and then a breakout hints that the trend has turned bullish.
Power, energy cues seen boosting stocks: BHEL, Adani Power, Gujarat Gas, BPCL, MCX
Shares of power and energy companies may see action amid fresh triggers, including restructuring, diversification and deals, placing BHEL, Adani Power, Gujarat Gas, BPCL, MCX and Dredging Corp firmly on traders radar this week
Gold falls over 1% as dollar strengthens, oil surge fuels inflation fears
Meanwhile, demand in India remained subdued due to record prices, even as investment flows showed slight improvement and ETF holdings edged higher.
Oil jumps, markets wobble as Strait of Hormuz tensions escalate
Brent crude surged around 6%, while the US dollar strengthened and equities wobbled despite recent record highs
How to reapply for personal loan if rejected and whats the process?
If you face a rejection, it is important to understand the underlying causes and how to recover.
Claiming grandparents fixed deposits after death: What to do without a will
Grandchildren might be uncertain of their legal standing or mistakenly believe that only the most immediate surviving heirs are entitled to the funds
We explore top 20 investment tips from the 17 best investors of all time, including Warren Buffett, Benjamin Graham and Peter Lynch. Here are some timeless investment lessons you should not ignore:
Exchange drives up to half of jewellery sales as Indians rotate gold to keep buying
While the trend is particularly pronounced among middle-income consumers seeking affordability, it is increasingly visible among premium buyers as well, who are using exchanges to upgrade their jewellery collections
Sriram Finance revises fixed deposit interest rates from 6 May Check details here
Sriram Finance has revised its fixed deposit interest rates effective 6 May 2026, following upgrades to its credit ratings by CARE Ratings, CRISIL Ratings, ICRA, and India Ratings. Here's all you need to know:
Nifty 50, S&P 500 vs Gold: Four important facts that investors could be missing
Ratios, returns favour gold despite recent dip opening buying window for long-term investors
The I-T department has replaced the old Form 10E with the new Form 39 for taxpayers to claim relief on salary arrears and specified receipts under Section 157(1) of ITA 2025. Here's all you need to know
I asked ChatGPT and Gemini what how much home loan i can afford on a 7-9 lakh salary. Here's what advice the chatbots gave me
The RBI has announced premature redemption for Sovereign Gold Bonds on 20 April 2026. Investors stand to gain over 200% from their initial investment, benefiting from both capital appreciation and 2.5% annual interest during the holding period.
Gold has surged from around 1,00,000 per 10 grams last year to nearly 1.58 lakh this year, while silver has leapt from 85,000 per kg to an unprecedented 2.55 lakh per kg
New ITR forms for AY 2026-27 require investors to disclose NBFC, HFC and corporate fixed deposit interest under Schedule OS. Here's what you must report before 31 July 2026.
Building wealth for your family is only half the job. The other half nobody does.
Decades of disciplined investing can unravel overnight if families cannot locate accounts or understand succession rules. A Will and a simple financial map can prevent chaos.
Balanced advantage funds move in sync with marketsbut not in the same way
Indias top five BAFs in terms of investor assets cut and add equity through the cycle, but differences in models drive sharp variation in timing, range and conviction.
A survey reveals that 31% of consumers feel cheated when buying silver, with 93% supporting mandatory hallmarking to ensure purity and quality of silver products.
The golden trade is not yet crowded
Ratios, returns favour gold despite recent dip opening buying window for long-term investors
DA hiked by 2%: Salary boost for govt employees - How much more will you take home?
The new DA hike of two per cent is an increase over the existing rate of 58 per cent in the Basic Pay. The hike now takes the Dearness Allowance to 60 per cent.
