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These 4 smallcap mutual funds lose over 10% in 1 year. Do you own any in your portfolio?
Four smallcap mutual funds have fallen over 10% in the past year, with both active and passive schemes seeing notable declines.
Can Rs 500 SIP at 16 help build a future business fund? Expert share best investment strategy
A Rs 500 SIP started at age 16 can be a powerful first step toward building future business capital. Experts say early investing matters more than the amount. A Balanced Advantage Fund, such as ICICI BAF, can offer growth with controlled risk, helping young investors begin their long-term wealth journey.
December financial changes: Key banking, pension & ITR filing due dates you must not miss
Bank customers and pensioners face crucial deadlines in November 2025. SBI is discontinuing its mCASH service. Pensioners must submit their life certificates. A deadline also exists for switching from NPS to UPS. Taxpayers have key dates in December 2025 for filing Income Tax Returns and linking PAN with Aadhaar. Staying informed helps avoid last-minute issues.
MF & SIF investments in REITs to be treated as equity from January 2026
Starting January 1, mutual funds and specialized investment funds will classify their commitments to REITs as equity investments. Meanwhile, infrastructure investment funds will retain their hybrid status. Existing investments in REITs under debt schemes will be preserved until December 31, 2025, allowing fund managers time to adapt.
Bank holiday today: Are banks open or closed today on November 29, 2025?
Banks in India will be open on November 29, 2025, as the fifth Saturday of the month? Many people are still not sure if banks are open or closed on the fifth Saturday in some cases as in November.
Niva Bupa Health Insurance launches digital learning programme for upskilling advisor community
The entirely virtual training curriculum will focus on market potential, product mastery, claims mastery and digital business growth
Bandhan Bank looks to complete process of selling 7,000-crore bad assets to ARCs in third quarter
Banks board approves proposal for sale of identified non-performing assets and written-off portfolios, through bidding process, to asset reconstruction companies or permitted transferees
Banks must not force customers to opt for online banking channel: RBI
Banks shall also obtain explicit consent from the customer for providing digital banking services which may be duly recorded
Exploring the features of personal and education loans
Just a month in, Equitas Finance Head Manish Agrawal quits
Agrawal, who joined the bank on November 5 as a senior leadership hire, cited personal reasons for stepping down with immediate effect, according to a letter addressed to the banks Chief People Officer filed in the exchanges
New labour codes to strengthen legal rights, social security and safety for dock workers
Safety provisions under the new codes now apply to all dock employees. Employers must facilitate annual, employer-funded health check-ups to ensure early detection of occupational risks.
Investments by mutual funds, SIFs in REITs to be treated as equity, effective Jan 1: Sebi
Sebi has reclassified REITs as equity instruments effective January 2026, enabling greater mutual fund participation. Existing REIT holdings in debt schemes will be grandfathered, while InvITs remain hybrid. The regulator also revamped the distributor incentive framework to boost retail participation beyond major cities
A 50-year-old with 80 lakh in FDs and 60,000 monthly expenses can target 1.23 crore in five years by adding limited equity exposure. Experts recommend hybrid funds, SWP withdrawals, and delaying retirement to boost long-term financial security
Indian residents with undisclosed foreign assets under scanner: Tax Dept launches NUDGE 2.0 campaign
IRDAI convened a high-level meeting with insurers to address the growing number of unresolved policyholder complaints. IRDAI urged insurers to adopt a more proactive, policyholder-centric approach and to strengthen their internal systems to ensure strict compliance with prescribed timelines.
NFO Alert: Bandhan Mutual Fund launches 2 commodity-based ETFs
Bandhan Mutual Fund has launched two commodity-based ETFsBandhan Gold ETF and Bandhan Silver ETFdesigned to track domestic prices of physical gold and silver. The NFOs are set to open on December 1 and close on December 3, with continuous trading beginning on December 12. Both funds aim to offer smart, transparent access to precious metals
State Bank of India alerts pensioners to a scam. Fraudsters impersonate bank officials to trick them into sharing sensitive data. Their aim is to change your registered mobile number and seize control of your bank account. Pensioners must not share OTPs or banking details. Be vigilant against suspicious calls and links.
Aggressive hybrid mutual funds see 13% YoY AUM jump, touch Rs 2.5 lakh crore in October
Nomura has initiated coverage on Anthem Biosciences with a Buy rating and a 740 target, citing attractive valuations, strong CRDMO positioning, diversified capabilities, and robust revenue and earnings growth projections despite recent stock correction.
Invesco India Midcap and Bandhan Small Cap among 7 funds with 25%+ CAGRs over 3 and 5 years
Seven equity mutual funds have delivered over 25% CAGR over both three- and five-year periods, according to an ETMutualFunds analysis. The list features major schemes such as Invesco India Midcap Fund, Bandhan Small Cap Fund, and HDFC Mid Cap Fund. Of the seven, five are mid-cap funds, one is small-cap, and one is a large & mid-cap fund, selected from 205 eligible schemes.
Microfinance can drive macro progress', says RBI Deputy Governor Swaminathan J
When microfinance is delivered responsibly, ... it turns access into livelihoods, borrowers into business owners, and informal activity into measurable economic output, noted Swaminathan
Rising demand for health insurance means a greater demand for insurance advisors. Insurance advisors, today, must possess the necessary skills and knowledge to act as trusted guides helping millions navigate complex products, policy options, and claims processes. Heres how Niva Bupa Insurance Academy is preparing a generation.
Retirement crisis: 8 big pension & gratuity disputes every worker must know
Zerodha Mutual Fund crosses Rs 10,000 crore AUM in 2 years, scales to 8+ lakh investors
Zerodha Fund House, the index-focused joint venture between Zerodha and Smallcase, has surpassed 10,000 crore in assets under management within just two years of launch, Smallcase founder Vasanth Kamath announced on LinkedIn.
The Chhattisgarh High Court has made a significant ruling regarding a daughters application for a job following her mothers death 15 years ago. The court underscored that compassionate job placements are designed for those in acute financial distress at the moment of loss.
The Unique Identification Authority of India is preparing to launch a new feature. This will allow users to update their Aadhaar mobile number from home. The update will use OTP and face authentication. This will simplify a crucial Aadhaar service. Citizens will no longer need to visit enrolment centres. The service is expected to be available soon.
In a recent ruling, the Madras High Court turned down a grandfather's petition for child support from his ex-daughter-in-law, highlighting that he did not possess the necessary legal authority to pursue such claims. The court clarified that the childs father, who retains custody, is both alive and financially able to provide for his offspring.
11 mutual funds and 1 SIF NFO are open for subscription now. Check details
Twelve new offeringsincluding 11 mutual funds and one SIFare currently open for subscription across index funds, ETFs, FoFs, multi-asset, sectoral, FMP, and long-short categories.
India's Code on Social Security, 2020 has expanded the purview of who qualifies as a family under labour laws, extending coverage. This seemingly technical change could reshape family financial planning for millions, offering broader insurance coverage, gratuity benefits, and ESI access. Here's what this expansion means your family's financial security.
Planning a destination wedding? Budget-friendly tips to cut costs without compromise
Best short duration mutual funds to invest in November 2025
Short duration funds are ideal for investors seeking debt schemes with maturities of one to three years. These funds balance risk and return, being less volatile than liquid options but safer than longer-term investments. HDFC Short Term Debt Fund, ICICI Prudential Short Term Fund, and Axis Short Term Fund are recommended for November 2025.
Bandhan Bank to sell off NPAs, written-off portfolios worth nearly 7,000 crore
The bank will adopt the Swiss Challenge method for sale of its NPA portfolio with a principal outstanding amounting to 3,212.17 crore
Rs 1.82 cr higher retirement corpus if your basic salary of Rs 32K rises under new labour codes
India's new labour laws offer a significant boost to retirement savings. Employees can build a larger corpus by increasing their basic salary component. This change mandates employers to allocate at least 50% of CTC to basic pay. Consequently, EPF and NPS contributions rise, leading to substantial additional retirement funds.
Sebi mulls Rs 2,000 incentive for MF investments from smaller cities, women
Mutual fund distributors can now earn an extra 2,000 commission for onboarding new individual investors from outside the top 30 cities or women. This incentive, payable from the investor education fund, requires a minimum one-year investment. The new framework, effective February 1, 2026, aims to broaden market participation.
NPCI arm targets 1 billion monthly transactions over 3-4 years
Currently, the company handles 260 million transactions a month
Tamilnad Mercantile Bank launches loan origination system to speed up loan processing
It will integrate automated checks, digital workflows, appraisal uniformity and internal connectivity, enabling TMB to process and approve loans more efficiently by reducing its Turn Around Time (TAT)
CareEdge Rating expects Banking credit to grow at 11.5%12.5% year-on-year in FY26
Sebi has replaced the B-30 incentive framework with a targeted commission model offering distributors up to Rs 2,000 per new eligible investor from February 2026. The incentive, funded through AMCs investor education allocation, excludes ETFs, FoFs and ultra-short-duration schemes, and aims to curb misuse while expanding retail participation, especially among women investors.
BOBCARD launches Cashback Credit Card: How to activate and maximise everyday rewards
Pensioners must submit their Jeevan Pramaan Patra, a digital life certificate, by November 30, 2025. This biometric-enabled service allows pensioners to avoid physical visits to pension disbursing agencies. The process involves using a smartphone and the Jeevan Pramaan Face App. Checking the status of acceptance by the pension disbursing agency is crucial.
Godrej Capitals women-focused loan initiative Aarohi crosses 1,000 crore mark
Godrej Housing Finance contributed 56 per cent of total bookings, with over 600 crore from Prime Home Loans, while Godrej Finance accounted for 44 per cent, supported by over 220 crore from Prime LAP
New Labour Codes 2025: Full list of benefits for every worker category, check what applies to you
A breakdown of all the benefits introduced under the 2025 Labour Codes, covering FTEs, gig workers, women, youth, MSME employees, and more.
Individual NBP in life insurance may grow 9% in FY26: ICRA
NBP for life insurance sector expected to grow to 1.8 lakh crore in FY26
Paytm arm PPSL gets RBI nod to operate as payment aggregator
NEW DELHI, Nov 27: Fintech firm One97 Communications said its subsidiary, Paytm Payments Services Limited, has received the RBI permit after a long wait to operate as a payment aggregator. The Reserve Bank of India granted in-principle approval to Paytm Payments Services Limited in August to operate as an online payment aggregator. Reserve Bank of India on November 26, 2025, has granted Certificate of Authorization (COA) to Paytm Payments Services Limited (PPSL)to operate as a Payment Aggregator under the [] The post Paytm arm PPSL gets RBI nod to operate as payment aggregator appeared first on Daily Excelsior .
Top 5 multi-asset allocation mutual funds with highest risk-adjusted returns
Top 5 equity mutual funds deliver over 30% CAGR on lumpsum investments in 3 years
The top-performing mutual funds for a three-year lumpsum horizon are dominated by value and gold-oriented schemes, all delivering strong compound returns. Despite impressive past performance, investors are advised to base decisions on risk tolerance, investment horizon, and financial goals rather than returns alone, ensuring alignment with long-term objectives and suitability
Nifty scales record high: Rs 2 lakh crore mutual fund cash waiting to be deployed
Nifty has hit a fresh record high, but mutual funds are staying cautious, holding over Rs 2 lakh crore in cashits highest in months. Elevated valuations, limited bargains, and selective opportunities are prompting fund managers to deploy money gradually despite improving macro fundamentals and optimism around upcoming earnings recovery.
The UIDAI has deactivated over 2 crore Aadhaar numbers of deceased individuals to ensure database accuracy, sourcing data from RGI and other government bodies. Aadhaar numbers are never re-assigned after deactivation to prevent identity fraud and misuse of welfare benefits. A new service on the myAadhaar portal allows reporting deaths for deactivation.
Why do financial planners recommend flexi-cap mutual funds for investment?
SGB final redemption date: This gold bond has turned Rs 1 lakh investment into Rs 4.29 lakh
The Reserve Bank of India has announced the final redemption price and date for Sovereign Gold Bond (SGB) 2017-18 Series-IX, set for November 27, 2025. The redemption price is fixed at Rs 12,484 per unit, reflecting a significant return of nearly 329% on the initial investment. This scheme offers a secure alternative to physical gold with annual interest.
Inherited property, gold or shares? Heres when youll actually pay tax in India
How much EMI for Rs 20 lakh home loan? Breakdown for 10, 15, 20, 25 and 30-year tenures
Discover monthly EMI calculations for a Rs 20 lakh home loan across different tenures (5-30 years) with current 2025 interest rates starting at 7.35%. Compare rates from top banks, understand tax benefits, and learn smart strategies to reduce your home loan burden.
MF Tracker: DSP Midcap Fund turns Rs 10,000/month SIP to Rs 1.37 crore in 19 years
DSP Midcap Fund has delivered significant wealth creation, turning a Rs 10,000 monthly SIP into Rs 1.37 crore over 19 years. While long-term SIP discipline proved effective, recent performance shows underperformance against its benchmark and category. Experts suggest continued SIPs in quality midcap index funds for future wealth accumulation.
Best medium to long duration funds to invest in November 2025
Medium to long duration debt funds invest in longer-term instruments, making them sensitive to interest rate hikes. Investors might face volatility and potential losses. Advisors often recommend safer short-term funds. However, those with a higher risk appetite and a long investment horizon can consider these funds with expert guidance.
SBI conducts Digital Life Certificate camp in Bengalurus St Mark's Road
The DLC system eliminates the need for pensioners to physically visit branches or certification authorities, offering significant relief to senior citizens, especially the aged
Canara Bank raises 3,500 cr in AT1 bonds to strengthen capital base
The issue is scheduled on Friday, the 28th of November, 2025 on the Electronic Bidding platform of NSE
Anticipation builds among central government employees and retirees as they eagerly await the announcements from the 8th Pay Commission regarding salary increases. The fitment factor, an essential determinant reflecting fiscal health and budget allowances, could potentially range from 2.13 to even more under favourable conditions.
The ITAT Ahmedabad has cleared Mr. Sanghvi from tax penalty by declaring it null and void. The penalty was based on allegations of misreporting income due to a mishap with his Section 54F capital gains tax exemption claim. However, the tribunal found that a mere calculation error in Section 54F does not indicate any intention of misreporting.
Motilal Oswal Alternates enters private credit with 3,000 cr fund
The fund expects to generate returns through a combination of regular fixed contracted yields and returns linked to equity performance
CAG sets up Centre of Excellence for Financial Audit in Hyderabad
CoEFA to support auditors, audit institutions and other stakeholders in developing the skills, tools and knowledge required to navigate the increasingly dynamic financial governance environment
UPS, Pension, Taxes, LPG Key tasks you must complete before November ends
As November comes to a close, several important government and financial deadlines are set to expire by the month end. Individuals who have not yet completed important tasks must do so by November 30, as many of these options will no longer be available from December 1 onward.
Employees will now receive their full and final settlement within two working days. This new labor code standardizes the process for all separations. Previously, settlements could take up to 30 days or longer. The change aims to provide employees with faster access to their dues. Employers may face operational challenges in meeting the new, shorter timeline.
Are zero-forex cards better than prepaid cards for overseas travel?
OCI Card renewal in India: Which documents are required for re-issuance of OCI Card?
Booked a flat for 2030? Here's how to sell mutual funds to claim Section 54F exemption
Section 54F allows a long-term capital gains exemption if the sale proceeds from non-residential assets are fully invested in constructing a new home within three years. Since the Bengaluru flat will be completed in 2030, selling mutual fund or foreign equity holdings around 2027 aligns with the timeline. Careful scheduling ensures eligibility.
Latest EPFO update: EPF passbook updates for Sep-Oct 2025 unavailable due to this reason
EPFO has announced that September-October 2025 wage details are temporarily not visible in EPF passbooks due to a revamped ECR ledger posting. This update is expected to be completed within a couple of days. Members can check their updated contributions via the UAN Member e-Sewa portal or the UMANG app.
I am an NRI, is investing in MFs through NRO and NRE accounts the most tax-efficient way?
ET Wealth Reader's Query: I hold NRO and NRE accounts and invest in mutual funds, is this the most tax-efficient way to manage these investments?
The government took the biggest decision, repealing all 29 laws and implementing just four labor codes. This isn't just a change, but a rebuilding of the labor system. A new framework that makes things easier, clearer, and safer for both workers and industry.
Fintech tops funding charts in Karnataka despite 40% drop in tech investments: Report
Karnatakas fintech sector records $841 million in funding for the first nine months of 2025, an increase of 38% from $608 million in the corresponding period last year
ESAF Small Finance Bank secure ESG Rating of 75.4 from CareEdge
The upgraded score marks a significant improvement from last years 68.1
Top 5 flexi cap mutual funds offer over 25% CAGR in 5 years
Top flexi cap funds have delivered strong five-year returns, with HDFC Focused Fund leading the list, followed closely by HDFC Flexi Cap and ICICI Prudential Focused Fund
JioBlackRock Mutual Fund receives Sebis nod to launch four new active funds
For lumpsum investment, the minimum amount in all these four funds will be Rs 500 and any amount thereafter and for SIP, the minimum amount in all four funds will be Rs 500 and in multiples of Re 1 thereafter.
World Bank approves funding for 2 projects in Punjab, Maharashtra
The projects will benefit more than 6 million people by using innovative digital solutions to improve the quality of education in Punjab state and boost incomes for small and marginal farmers in Maharashtra
Loan against shares offers quick and cheaper funding but what happens when your collateral crashes?
Taking a loan against your share portfolio might seem like easily available money which can be helpful for many investors but what happens when the market tanks and your Rs 10 lakh collateral becomes worth Rs 6 lakh? From margin calls to forced liquidation, here's everything you need to know about pledging shares for loans, and why the type of stocks you pledge matters more than you think.
UIDAI latest document list: UIDAI has revised acceptable documents for identity, address, relationship, and date of birth. These changes cater to all age groups, including children and seniors.
A separated wife has won her late husband's family pension. The Allahabad High Court ruled that family pensions are a legal entitlement, not subject to employee nomination alone. The court found the wife, legally wed and with no other livelihood, was entitled to the pension. Her husband had nominated their son, but the court prioritized the wife's statutory right.
Struggling with rising costs? 7 smart ways to beat debt and take back control
Central government holiday list 2026: Govt offices across India will be closed on these days
The central government has released its 2026 holiday list, including mandatory and optional observances for its offices nationwide. Employees can select additional holidays from restricted lists, with specific provisions for offices outside Delhi/New Delhi. Dates for Islamic holidays may be adjusted based on moon sighting.
SIPs, stocks & smart apps: 9 ways young India is changing the way it builds wealth
Tech mutual funds drop 9% so far in 2025. A buying opportunity or warning sign?
Technology funds have seen an average 9% drop in 2025, making them the biggest losers. Experts suggest this could be a buying opportunity for seasoned investors, but caution retail investors due to the inherent volatility of sectoral funds. Despite recent underperformance, some see a promising medium-term future for Indian tech, especially with AI's potential.
Employees laid off will receive additional funds for skill enhancement, complementing their severance pay. With the new labor codes set to launch on November 21, 2025, employers are required to allocate 15 days' worth of wages for each affected employee.
Best medium duration mutual funds to invest in November 2025
If you are looking for a debt mutual fund where you can park money for four years or more and are ready to take some risk and volatility, you can consider investing in medium duration funds.
Flexicap funds top equity inflows in October with Rs 8,930 crore boost
Flexicap funds are leading equity mutual fund inflows, attracting Rs 8,930 crore in October. Wealth managers favor this category for its flexibility across large, mid, and small-cap stocks. These funds offer investors a diversified approach without the need to pick individual stocks. Flexicap funds are ideal for moderate-risk investors with a five-year horizon seeking steady wealth creation through SIPs.
RBI grants post facto approval to FPI 1729 Capital for acquisition of 7.14% stake in Suryoday SFB
Post facto approval means granting go ahead after an action has already been taken
Thadani re-appointed Non-Executive Independent Director
Corporate bond issuances marginally higher at 4.7 lakh cr in H1FY26
Corporate bond issuances increased to 74,000 crore in September 2025, compared to 43,000 crore in August 2025
7 Public Sector Banks get new EDs
The Financial Services Institutions Bureau had, in August 2025, recommended 11 candidates, including the aforementioned ones, for appointment as EDs, subject to to availability of vacancies in the Panel Year 2025-26
