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How to check income tax refund status via PAN card?
Many taxpayers are experiencing delays in receiving their Income Tax Return (ITR) refunds this year. The Income Tax Department offers online methods to check refund status via PAN on the e-filing or TIN websites. Refunds are typically processed within four to five weeks after e-verification, but delays can occur due to various reasons.
SBI Ventures plans to launch 2,000 cr climate-focussed fund in Jan-Mar
The fund would invest in early and growth-stage climate startups -- particularly, in frontier climate technologies and AI-enabled climate innovations
Banks weigh legality of accessing borrowers criminal records for loan decisions
The reason for the proposed move is that recovering funds from borrowers with criminal backgrounds comes with its own challenges, as they can pose significant difficulties for the banks recovery apparatus.
Top 7 flexi cap mutual funds to invest in November 2025
The analysis shortlists leading flexi cap funds using rolling returns, consistency, downside risk, outperformance and asset size. Several funds show improving quartile rankings. Flexi cap schemes suit moderate investors with a five- to seven-year horizon seeking long-term wealth creation.
DSP Mutual Fund launches Nifty Midcap 150 and Smallcap 250 based 4 passive funds
DSP Mutual Fund has launched four new passive schemes, including two index funds and two ETFs, focusing on the Nifty Midcap 150 and Nifty Smallcap 250 indices. These offerings provide investors with low-cost, rules-based access to the dynamic mid- and small-cap segments of the Indian equity market. The new fund offers are open for subscription until December 8.
Top 10 mutual funds to invest through SIP with a horizon of 3 years
Several mutual fund categories, including gold, value, midcap, smallcap and sector-focused schemes, have delivered strong SIP performance over recent periods. The list highlights funds that showed steady wealth creation while reinforcing that past returns should not guide final investment choices
Mutual fund AUM to bank deposits surged nearly 3 times in 10 years: Franklin Templeton India MF
Indias mutual fund industry is witnessing strong growth as assets swell, SIP activity climbs, equity inflows stay resilient and investor participation expands across regions, supported by rising interest beyond major cities and steady long-term market confidence.
Want a car for half the market price? Your step-by-step guide to buying bank-seized cars
Bank-seized vehicle auctions offer cars at prices far below market value. With digital platforms like Foreclosureindia, buying repossessed vehicles is now transparent and accessible. Follow smart bidding strategies, inspect thoroughly, and drive home quality wheels at unbeatable prices.
POSPs to account for 3.13.3 trillion insurance premiums by FY2030
Since the regulator introduced the POSP framework in October 2015, the model has steadily matured through targeted reforms aimed at simplifying access, improving operational ease and broadening product availability
In Nifty-50 companies too, shareholder resolutions where more than 20% of Institutional Shareholders voted against decreased to 9% of total resolutions (or 54 in number) as compared to 11% of total (or 64 resolutions) in the same period last year, according to Pranav Haldea, Managing Director, PRIME Database Group.
The upcoming changes in labour legislation are poised to overhaul the way salaries are computed for employees. Many workers might find that their immediate take-home pay could shrink. The broader interpretation of what constitutes wages will influence both provident fund contributions and gratuity benefits, compelling companies to reevaluate their pay frameworks.
How Aditya Birla Capital Digital is changing the way India engages with insurance
Insurance in India is transforming from an annual purchase to a daily wellness tool. The ABCD App by Aditya Birla Capital Digital offers a new approach. It provides AI health assessments, easy family coverage, and policy management. This platform integrates health tracking and benefits, making insurance a proactive partner in everyday financial life for consumers.
Tata Asset Management unveils Titanium SIF, a hybrid long-short fund under Tata Mutual Fund
Tata Asset Management has launched the Titanium Specialised Investment Fund (SIF), a hybrid long-short strategy designed for investors with higher risk tolerance. The fund dynamically combines equity, debt, and derivative exposures to navigate various market phases, aiming for better risk-adjusted outcomes. It offers a unique mix to participate in market upswings while cushioning downside risks.
New Gratuity Rules 2025: 4 things salaried employees must know about updated Labour Code guidelines
Labour Code guidelines: India's new Labour Codes significantly reform social security, particularly gratuity provisions. Fixed-term and contract employees now qualify for gratuity after just one year of service, a reduction from the previous five years. These changes aim to broaden worker protections and simplify eligibility across various sectors.
PPFAS may eye IPO in 2030 as earlier listing could raise heavy tax burden for employees
Parag Parikh Financial Advisory Services is eyeing a 2030 IPO, as employee stock options conclude around 2029-2030. Chairman Neil Parikh indicated this timeline, citing potential tax benefits for employees. The fund house also plans a new large-cap fund in January 2026 and is exploring NPS and specialized investment funds.
Nifty nears record highs. What should mutual fund investors do now SIP, lumpsum or book profits?
With the Nifty just shy of its all-time high, mutual fund investors are debating whether to continue SIPs, invest lumpsum, or book profits. Experts advise sticking to SIPs, using lumpsum only during meaningful corrections, and rebalancing portfolios that have turned equity-heavy. They caution against profit-booking unless a financial goal is approaching within three years, stressing long-term investing over market timing.
A leader in fixed income management oversees a vast debt portfolio. Their investment philosophy prioritizes safety, liquidity, and returns. This approach involves rigorous credit assessment and active duration management. The strategy combines long-term views with tactical adjustments. Continuous monitoring of global and economic factors guides decisions. The focus remains on delivering sustained outperformance for investors.
A significant ruling from a Delhi court has brought relief to a dedicated teacher, as she successfully petitioned for her 303 days of unpaid leave to be reclassified as paid child care leave. Initially, the school had pushed back against her leave, claiming that it would lead to operational difficulties, but the court sided with the teacher.
Best gilt mutual funds to invest in November 2025
Gilt funds are not recommended to regular debt investors because they are risky and volatile. Gilt funds suffer the most when the rates go up. The bond prices and yields move in opposite directions. When the rates go up, bond prices come down. This drags down the NAVs of schemes.
In a recent case, the Allahabad High Court determined that while an agreement to sell property can set the stage for a transaction, it does not confer actual ownership. The court highlighted the necessity of a sale deed for establishing legal ownership.
NRI checklist to seek medical care in India
NRIs are choosing India for medical treatment due to lower healthcare costs, faster access to quality care, and NABH-accredited hospitals. Learn how NRI health insurance works, compare treatment costs in India vs US, and discover essential tips for medical tourism including hospital accreditation verification and claim settlement processes before planning your healthcare visit.
Are you overrelying on SIPs for achieving lifegoals?
Are SIPs really safe? Investors may overestimate the perceived safety of SIPs due to the marketing spiel, but outcomes may not always match the rhetoric. Learn the hidden risks of SIP investments, common investor mistakes, and why discipline matters more than perceived safety in achieving long-term returns.
Use credit cards to manage money abroad
What about the risks associated with credit cards? The cards can be skimmed, for instance. Fortunately, credit card technology has moved to chip validation. Also, in India, the Reserve Bank of India requires twofactor authentication for card-not-present transactions. This helps prevent most fraudulent transactions.
Should you buy Maruti, M&M and Bajaj?
While two-wheelers, tractors, and LCVs show promise with rural recovery, elevated valuations and uncertain post-festive demand warrant caution.
Big money is flowing into artificial intelligence, but hidden risks may test investor conviction soon. Learn whether AI stocks are overvalued and how much exposure Indian mutual funds and global ETFs have to this theme.
Why financial literacy is important for young earners
Young adults are more likely to learn from their peers, or in the privacy of their own spaces, or from their own experiences without parental retribution. This is why financial literacy and education for young earners is a helpful module. It should be mandatory in an induction course for a new earner.
New Zealand investor visa new path to residency?
Global investors are drawn to this island nations political stability, better lifestyle and investor friendly rules which offers two investor visa routes in 2025. Compare investment requirements, holding periods, and family inclusion benefits for both routes.
Grow in career using Buffetts investing strategy
Use his investing strategy for long-term career growth, says Devashish Chakravarty. Learn how compounding, emotional discipline, and continuous learning can transform your career trajectory over 5-10 years.
Which asset classes build a strong portfolio?
To build a strong portfolio, do not get swayed by any one asset class. Experts recommend diversification. While asset allocation is the way to go, the question remains: What is the best combination? Every investor has his/her own asset allocation. Heres a start. In this weeks TrendMap, ET Wealth compares seven asset combinations. The portfolios with gold have delivered a notable return boost in recent years, while those with zero gold exposure have persistently lagged.
What is the difference between GDP and GNP?
If you are confused by personal finance terms, jargon and calculations, heres a series to simplify and deconstruct these for you. Learn key differences between GDP vs GNP and which better measures true economic health. In the 78th part of this series, Riju Mehta differentiates between the two terms that are used to measure a countrys economic performance.
MFIs disbursement growth returns meaningfully in Q2 after 5 quarter hiatus
MFIs were forced to apply brake on fresh disbursements in FY25 after seeing a spike in non-performing assets (NPAs) due to over leveraging of borrowers, political developments in few states, and MFIs themselves growing at a break-neck speed
Superior service should command better pricing of policies: HDFC ERGO MD & CEO Anuj Tyagi
businessline spoke toAnuj Tyagi, MD & CEO, HDFC ERGO General Insurance on the trends and challenges for the general insurance industry
Six new NFOs, including five passive funds, to open for subscription on Monday
Equity mutual funds fall over 7% in a week; international schemes lead the losers list
Equity mutual funds fell over 7% during the week of November 1721, with international schemes dominating the losers chart.
Gold and midcaps lead 10-year returns; heres the full scorecard
Multiple investment segments have delivered over 17% returns over the past decade.
Parag Parikh Large Cap Fund to offer 5 distinct features; NFO opens in January 2026
PPFAS Mutual Fund unveiled details of its upcoming Parag Parikh Large Cap Fund at its 12th Unitholders Meet, ahead of an expected January 2026 NFO. The rules-driven fund will be built around the Nifty 100 with capped weights, broad diversification and a low expense ratio. Leaders outlined its five key features and the conditions that justify launching the new scheme.
In a recent ruling, the Income Tax Appellate Tribunal in Chandigarh has granted a significant tax relief to Mr. Saini, a retired worker from the Punjab State Electricity Board. He will now enjoy a tax exemption for the leave encashment accrued during his tenure at the government organization.
Kotak Mahindra Bank alert: No UPI, ATM transaction above Rs 20,000 for one hour on November 23, 2025
Dear customers of Kotak Mahindra Bank, please be advised to strategize your banking actions before November 23, 2025 3.30AM till 4.30AM. On this date, any UPI and ATM transactions above Rs 20,000 will be temporarily halted, alongside the unavailability of both old and new mobile banking platforms. This is all part of an essential system upgrade to enhance your future banking experience.
FD rate up to 7.4% for general citizens investing for one year; Know full list of banks
if you have an income of Rs 11 lakh, then you wont have to pay income tax due to the Section 87A tax rebate under the new tax regime for FY 2025-26. The Section 87A tax rebate applies to income up to Rs 12 lakh under the new tax regime for FY 2025-26. Moreover, you can also submit Form 15G to avoid TDS deduction, if the total income, after claiming all tax deductions and the Section 87A rebate, is below the taxable limit.
Big win for Mr. Khatri! The Rajasthan High Court just ruled that his adult, married son needs his dad's permission to live in his house. This basically confirms Mr. Khatri's sole ownership rights, meaning he's in charge of who stays on his property. It's a clear victory for the father's property rights.
Insurance Bill for 100% FDI listed for winter session
The proposed amendments are expected to lay down the framework for composite licences, allowing insurers to offer multiple categories of insurance life, health and general under a single licence
Starting November 21, 2025, India is set to transform its workforce landscape with four pioneering labour codes. These reforms mandate appointment letters for every worker, ensuring transparency and security. Fixed-term employees will benefit from gratuity payouts after completing one year, while women will enjoy the option of night shifts, fostering inclusivity.
Heads up! Theres a new phishing scheme targeting Microsoft users with fake password reset emails. Scammers have set up a website similar to Microsoft's, using 'rnicrosoft.com' to lure you in. This could lead to serious security breaches for your account. Make it a habit to scrutinize email addresses and links closely. For password resets, go straight to the Microsoft homepage.
Sagarmala Finance Corporation to raise 8,000 cr this fiscal
Sagarmala Finance Corporation is India's first maritime sector-specific NBFC
JioBlackRock and Parag Parikh Liquid Funds among top 5 low cost and high return funds in 3 months
Maharashtra and Delhi among top 10 states to contribute maximum to average AUM in October
Top 10 states was recorded at Rs 79.79 lakh crore as on October 2025.
Is diversified SIP + NPS portfolio enough to build Rs 15 crore? Heres what advisors say
A 33-year-old government teacher, Saurabh Yadav, is strategically investing in SIPs and NPS to build a Rs 15 crore corpus over 30 years. His well-diversified portfolio, with a moderate to high-risk allocation, is praised by experts. Regular reviews and controlled smallcap exposure are key to achieving his long-term wealth goal.
Bitcoin falls to $80,000 as market makers navigate rising volatility
Selloff erases nearly 25% of Bitcoins value this month
Saturday bank holiday today: Are banks open or closed today on November 22, 2025?
Customers who push their bank related work to Saturdays should make sure to check if banks are open on the coming Saturday or not. Digital banking and ATMs will remain operational for all essential transactions. No other bank holidays are scheduled for November.
Venture debt funds widen global footprint to tap new growth pools
EvolutionX Debt Capital, Stride Ventures, BlackSoil Group and others are deepening their presence in West Asia, South-East Asia and Europe
RBI starts interlinking UPI with TIPS of Eurosystem
The proposed UPITIPS interlinkage aims to facilitate cross-border remittances between India and the Euro area
Axis Bank to raise up to 5,000 crore via NCDs
Axis Bank reported 26% year-on-year decline in net profit at 5,090 crore in Q2FY26, on account of one-time standard asset provision, higher operating expenses and muted core income growth
Banks CD ratio continues to stay above 80%, data shows
This is also limiting their ability to cut deposit rates further, even though lending rates have fallen post repo rate cuts, leading to shrinking margins analysts say
Bitcoins drop to $83,000 signals fear-driven decline, not structural, analysts say
According to Mudrex CEO Edul Patel, Bitcoins consolidation comes from weakness across major financial markets as macroeconomic uncertainty turns investors cautious
New labour laws are now in effect. Fixed-term employees receive full benefits and gratuity in one year. Women workers gain equal pay and broader work opportunities. Contract workers will get health and social security from employers. Gig and platform workers are defined and will receive welfare benefits. These reforms simplify 29 old laws into four codes.
CBDT (Central Board of Direct Taxes) Chairman Ravi Agarwal has clarified that the department is currently investigating high-value and red-flagged refund claims due to suspected incorrect deductions.
Tech, smallcap mutual funds among 3 categories delivering negative average returns in 2025
The Wealth Company Multi Asset Allocation Fund NFO is open for subscription. 10 things to know
ETMutualFunds breaks down key details of The Wealth Company Multi Asset Allocation Fund NFO, covering its strategy, asset mix, fund managers, flexibility across equity, debt and commodities, and suitability for diversified investing
NFOs: 12 mutual funds and 1 SIF are open for subscription now.Check details
Mutual funds launch new funds to complete their bouquet of offerings. Here's a detailed breakdown of NFOs live now (Source: ACE MF).
Karisma Kapoor to get Rs 5.51 lakh as monthly rent from her residential unit in Mumbai
Bollywood actress Karisma Kapoor has rented out her residential property located in Bandra West, Mumbai. At a monthly rate of Rs 5.51 lakh, this agreement, officially registered for November 2025, will last for one year.
Top 4 smallcap mutual funds to invest in November 2025
ETMutualFunds has shortlisted four top smallcap funds for November 2025 based on rolling returns, consistency, downside risk and long-term performance.
Top 5 largecap mutual funds offer over 25% annualised return in 3 years. Check toppers
Over the past three years, the top-performing largecap mutual funds have delivered strong annualised returns of up to 28%, led by BHARAT 22 ETF and ICICI Prudential BHARAT 22 FOF. However, several funds lagged behind, including offerings from Nippon India, Axis, LIC, Tata and Sundaram.
Have unclaimed insurance amount? Heres how to check and claim your hidden wealth
Over Rs 25,000 crore remains unclaimed in Indian insurance policies due to forgotten claims or unaware nominees. Tracking and claiming these dormant funds is now easier through insurer websites and the IRDAI's Bima Bharosa portal. It offers simple ways to check for unclaimed amounts and provides a clear process for rightful beneficiaries to claim what is theirs.
Can smart beta funds be your shortcut to beat the market in 2026?
The RBI Governor further explained that the inherent fragility of financial institutions adds to the regulatory challenges. Banks operate on maturity and liquidity transformation, accepting short-term deposits and extending long-term loans
5 warning signs the cashless effect is draining your wallet; 5 ways to deal with it
MF Tracker: Sundaram Focused Fund turns Rs 10,000 SIP to over Rs 1 crore in 2 decades
Sundaram Focused Fund has turned a Rs 10,000 monthly SIP into Rs 1.12 crore over two decades, showcasing strong long-term compounding. While its inception returns are impressive, recent performance has lagged behind its benchmark and category average. Experts advise caution due to concentrated portfolios, suggesting focused funds are best for investors with high risk tolerance.
Bank treasuries turn circumspect in buying G-Secs
CCIL data shows banks net purchase of G-Secs shrank to 849 crore on November 19, 2025, against 6,716 crore on June 6, 2025
Banks' financial health improves as NPAs decline to 4.05 lakh crore: CareEdge Ratings
The report further highlights that by Q2FY26, sectoral GNPAs as a percentage of total advances for public sector banks (PSBs) continued their downward trend across all segments, reflecting broad-based improvement
Best corporate bond mutual funds to invest in November 2025
Considering near-term or three-year-plus goals? Corporate bond funds, investing in top-rated companies, offer relative safety. While interest rate hikes remain a concern, these funds provide a stable option.
RBL Bank has launched two new premium credit cards: LUMIRE and NOVA. LUMIRE, an invitation-only metal card, offers exclusive luxury experiences and personalized services for Rs 50,000 annually. NOVA targets frequent travelers with 6% value back on bookings and 10% restaurant savings, priced at Rs 12,500 annually.
Employee unions are pressing Prime Minister Narendra Modi to revise the 8th Pay Commission's Terms of Reference. Key demands include reinstating the Old Pension Scheme for lakhs of employees and ensuring pension revisions for current pensioners. Unions also seek the inclusion of stakeholder expectations and an interim relief of 20% for employees and pensioners.
Exciting news for property sellers! Starting April 1, 2027, you can now effortlessly close your Capital Gains Account Scheme accounts online. This fantastic update from the Central Board of Direct Taxes eliminates previous bottlenecks that required tedious in-person applications. Enjoy a hassle-free experience as you manage your tax exemptions for property sales right from your living room!
The Bombay High Court has made a pivotal judgment by reversing the conviction of a man and his parents charged with cruelty under Section 498A. The court determined that the accusations based solely on the wife's parents' statements lacked sufficient credence.
Tata Neu to slash up to half its staff as Tata Digital sharpens focus on profit
The move, cleared at a recent Tata Digital board meeting, follows continued losses at the company despite FY25 revenue rising to 32,188 crore and fresh investments of nearly 4,000 crore from Tata Sons
Blue-chip cryptocurrencies fall on volatile macros, profit booking by large institutions
RBI does not target any level for INR, says Governor Malhotra
He exuded confidence that India will have a good trade deal with the US, and that would relieve the pressure on the countrys current account balance
Attention all businesses! Your GST registration may be suspended if you don't submit your bank account details on time. Make sure to provide this crucial information within 30 days of registration, or before filing outbound supplies. Neglecting this requirement could lead to serious disruptions in your operations.
WazirXs Revival - an understated moment for Indias Crypto Industry?
A Harvard study highlights billions lost annually due to hasty liquidations, advocating for restructuring. WazirX's successful Singapore-based restructuring after a cyberattack offers a creditor-friendly model, contrasting with India's delayed NCLT processes. This signals a need for India to adopt structured regulatory frameworks for emerging technologies.
UIDAIs New Aadhaar App: How offline verification simplifies and secures ID checks
India's UIDAI is launching a new Aadhaar app featuring offline verification to enhance security and privacy. Users can share Aadhaar details paperlessly, reducing fraud risks. The app allows storing up to five family profiles, biometric locking, and streamlined updates, offering greater control and convenience for Aadhaar holders.
These 5 equity mutual funds deliver up to 25% return in 10 years on SIP investments
These five equity mutual funds have delivered 2125% annualised SIP returns over the past decade, with smallcap and midcap categories dominating the charts.
NFO Alert: Axis Mutual Fund launches Axis Multi-Asset Active FoF
Axis MF has launched the Axis Multi-Asset Active FoF, offering a single-window solution combining equity, debt, gold, and silver through a model-driven allocation framework. The fund aims for long-term capital appreciation with dynamic rebalancing, efficient taxation, and diversified exposure, targeting investors seeking smoother returns and lower volatility over a two-year horizon.
In a landmark decision from the Delhi High Court, a husband is required to divvy up 50% of the profits from a property sale with his wife during their divorce proceedings. In addition to this division, the court has ordered him to remit a monthly sum of Rs 2 lakh to her.
How top 10 India-focused offshore equity funds and ETFs fared
Assets of the largest India-focused offshore funds and ETFs rose modestly over six months, with most major funds seeing inflows. iShares MSCI India products remained dominant, while midcap and diversified strategies also expanded their asset base
Can Rs 30,000 SIP deliver Rs 3 crore in 15 years? Expert shares roadmap
According to financial expert Pankaj Mathpal, MD, Optima Money Managers, Ajays portfolio is well-diversified but leans heavily toward aggressive categories like small-cap and mid-cap funds
What are the pros and cons of investing in Fund of Funds?
The forgotten Tata stock has inflicted a mounting Rs 25,000 crore loss on investors as prolonged underperformance, weak sentiment, and fading confidence deepen concerns. With no clear catalyst for a turnaround, shareholders remain uncertain about recovery prospects, questioning whether the stock can reclaim value or continue its downward drift.
The Sukanya Samriddhi Yojana (SSY) offers a high 8.2% interest rate, making it a top post office small savings scheme for daughters' financial security. With over four crore accounts opened and Rs 3.25 lakh crore deposited, SSY aims to fund education and marriage expenses. The maximum investment in the scheme in a financial year is Rs 1.50 lakh.
NFO Update: Canara HSBC Life Insurance launches NextGen Consumption Fund
Canara HSBC Life Insurance introduces the NextGen Consumption Fund. This new fund allows customers to invest in India's growing consumption driven by millennials and Gen Z. It focuses on companies benefiting from changing lifestyles and digital adoption. The fund targets sectors like e-commerce, fintech, and retail. It aims to capture the multi-trillion dollar consumption growth expected from India's young population.
In a landmark decision, the Punjab and Haryana High Court has granted a specially-abled woman access to her late father's family pension, overturning a previous denial. Despite her 70% disability and her marriage to a husband with a 100% disability who has a government job, the court affirmed that neither her marital status nor her husband's salary affects her eligibility.
