28 C 
Gold loan firms seek six-month deferment of RBIs new lending norms
AGLOC cites West Asia tensions and cash flow strains on lower-income borrowers to maintain uninterrupted credit access
Railway employees get major boost ahead of 8th Pay Commission rollout; key benefits explained
The Ministry of Railways has revised kilometrage allowance and Allowance in Lieu of Kilometrage (ALK) effective January 1, 2024. This revision, triggered by Dearness Allowance reaching 50%, offers relief to running staff ahead of the 8th Central Pay Commission. The update addresses long-standing demands from railway federations, with all other terms and conditions remaining unchanged.
These 5 equity mutual funds lose over 20% on SIP investments in 1 year. Do you own any?
Mid and smallcap funds saw significant AUM growth over five years, with CAGRs of 32.41% and 39.93% respectively. However, geopolitical tensions and foreign fund outflows may impact their near-term performance, prompting investors to adopt a cautious stance amid market volatility.
Indian Bank raises 5,000 cr through infra bonds
Pay in and allotment of the bonds will take place on March 24
Svatantra Microfin completes merger with Chaitanya India Fin Credit, becomes India's no. 2 NBFC-MFI
It operates across 2,200 branches in 20 States, employs 25,000 people and has recorded cumulative disbursements of 70,000 crore since inception
The Latest Home Loan Interest Rates: Mar 20, 2026
The Latest Home Loan Interest Rates: Mar 20, 2026
Gold price today (23 March 2026): Gold and silver prices have plummeted, offering a significant buying opportunity for jewellery shoppers. This sharp decline, attributed to a strengthening US dollar amidst geopolitical fears, has seen substantial drops in bullion rates. Global gold prediction trends remain volatile.
How much can you withdraw via SWP without tax? Heres what mutual fund investors should know
Investors using SWP from mutual funds are taxed only on capital gains, not the full withdrawal amount. Experts suggest structuring withdrawals to keep annual LTCG within Rs 1.25 lakh to avoid tax. Understanding lock-in periods and fund structure is crucial, especially in equity-oriented childrens mutual funds.
Rupee nears 94/$ mark in sharp decline
Soaring energy prices, re-routing of trade routes and FPIs pulling out of the domestic equity markets is weakening the rupee
Can Rs 20 lakh grow into Rs 3 crore in 15 years? Heres what expert recommends
A 38-year-old investor aiming for a Rs 3 crore corpus over 15 years received expert advice to bolster his SIP strategy. The recommendation includes adding a low-cost Nifty 50 index fund for a stable large-cap foundation, while continuing with existing flexi-cap, midcap, and small-cap funds, emphasizing patience for underperforming schemes.
New tax utility explained: Compare old and new Income-tax Act sections before filing
India's Income Tax Act, 1961, is set to be replaced by the Income Tax Act, 2025, effective April 1, 2026. To ease this transition, the Income Tax Department has launched an online tool. This utility allows taxpayers to compare provisions side-by-side, mapping old sections to new ones. It simplifies understanding changes in tax laws and aids informed decision-making.
Paytm's merchant platform to be largest in India across online, offline channels, says Jefferies
The brokerage retained its 'Buy' rating on the stock with a target price of 1,350, projecting a 22% compound annual growth rate in revenue between FY26 and FY28, along with expansion in adjusted EBITDA margins
The phygital turn: How tech-enabled advisors are reshaping health insurance access
Indias health insurance journeys are increasingly phygital: customers research and apply online, but still rely on human advisors at critical decision and claim moments. We trace how tech-enabled advisors, especially outside metros, use digital tools and local support to bridge the access gap in an age where their digital skills now matter as much as their product knowledge.
Buy a car or invest in your 20s? Check the financial trade-off
HDFC Bank stock plunges to a fresh 52-week low
The Banks stock, which closed at 842.95 per share on March 18 is currently trading at 752 on BSE, down 3.65% over the previous close on BSE
Joint bank Fixed Deposit accounts often have an 'either or survivor' clause. This allows the surviving holder to access funds after the other's death. However, this access does not grant legal ownership. Ownership is determined by succession laws and Wills, not just the operational mandate. This differs from bank lockers where ownership is even less clear.
A private trust received shares worth Rs 15.78 crore from its creator for family benefit. The Income Tax Appellate Tribunal ruled this transfer tax-exempt. The tribunal considered a supplemental deed that clarified beneficiaries were exclusively relatives. This decision reinforces tax exemptions for family trusts and clarifies treatment of advance tax deposits.
Silver and gold ETFs crash up to 20% amid rising crude prices. What should investors do?
Precious metal ETFs saw sharp declines on Monday. Silver ETFs dropped up to 20%, while gold ETFs fell as much as 9%. This downturn was driven by Middle East tensions and inflation fears. Experts advise against panic selling, recommending continued SIPs to buy at lower prices. Investors can consider tactical top-ups in diversified funds.
Best conservative hybrid mutual funds to invest in March 2026
Conservative hybrid mutual funds are similar to erstwhile monthly income plans or MIPs. MIPs were extremely popular at one point. They used to invest a small part of their portfolio in stocks. But their USP, as the name suggests, was regular income in the form of dividends. However, regular dividends stopped when the market got into a bad phase. That was the end of MIPs. The lesson: do not bank on hybrid funds to secure a regular income.
Starting SIPs in new financial year? Experts suggest largecap, flexicap mix; prefer gold over silver
As the new financial year begins, experts advise new investors to start SIPs with a blend of large-cap and flexi-cap mutual funds. Gold is recommended for hedging against global uncertainties, while silver is advised against due to current valuations. Investors should maintain disciplined SIPs, avoid pausing during volatility, and consider stepping up investments annually for long-term wealth creation.
Labour Codes rollout: Firms face hurdles
Overall, the new Codes signify a shift toward a more structured, transparent, and streamlined regulatory ecosystem. While strengthening worker protection and enhancing governance clarity, they also heighten compliance obligations and cost considerations for employers.
FPI vs FII vs FDI: Key differences explained
If you are confused by personal finance terms, jargon and calculations, heres a series to simplify and deconstruct these for you. In the 95th part of this series, Riju Mehta explains the difference between the different investor categories.
Old vs new tax regime: Key changes explained
Indian taxpayers will transition to the new Income Tax Act, 2025, from April 1st. While the new regime offers lower rates, revised allowance exemptions under the old regime, particularly for HRA, may make it more attractive for some. Taxpayers must now recalculate to determine their optimal tax strategy.
Which portfolio gave most returns in last 10 yrs?
For best results, its best not to get swayed by any one asset class. Experts recommend diversification. While asset allocation is the way to go, whats the best combination? Every investor has their own asset allocation. This week, we compare seven portfolio combinations. Portfolios with gold have delivered a notable returns boost in recent years, while those with zero gold exposure have lagged. By Sameer Bhardwaj.
NRI portfolios: India vs global allocation choices
Global uncertainties are making Non-Resident Indians rethink their investments. Many are now considering moving wealth back to India, seeing it as a stable, high-growth destination. This reassessment involves strategic choices about asset allocation, balancing domestic and international holdings. The decision hinges on individual goals and future plans, with experts advising a diversified approach.
SIFs undergo first real market stress test
New investment funds, Specialised Investment Funds or SIFs, are undergoing a crucial test. Launched last year, these funds offer flexible strategies. They can profit from both rising and falling markets. Current market volatility is a key indicator of their performance. Experts are watching closely to see if SIFs deliver on their promise of risk-adjusted returns.
Flight chaos: Why air miles matter for HNIs in crises
As with any geopolitical conflict, the element of surprise caught everyone off guard, but the first to get back home were the people with balances in their mileage accounts. They booked tickets on other carriers using their balances as a backup in case their original flights routing through West Asia were not operating.
Indian students rethink US dream amid visa hurdles
The H-1B program now operates within a highdemand environment, where the desire for the visa consistently outpaces the annual statutory caps. For students graduating into this ecosystem, the transition to long-term residency is increasingly defined by statistical variables and administrative timelines.
Study abroad shift: Europe, Asia gain ground
Indian students are increasingly seeking study abroad options beyond the US, UK, Canada, and Australia. New visa policies and rising expenses in these popular destinations are driving this shift. European nations like Germany and the Netherlands, along with countries in Southeast Asia, are emerging as attractive alternatives.
Indian students rethink global education plans
Indian students are increasingly returning home after studying abroad. Visa policies in countries like the US and UK have become uncertain. Rising living costs and fewer job prospects are major concerns. Many students are now reconsidering their overseas education plans, opting for shorter courses or exploring alternative destinations.
Arbitrage funds go out of favour as costs rise
Arbitrage funds, once a popular choice for idle cash, are seeing reduced investor interest. Inflows have significantly dropped. Rising costs, including higher transaction charges, and new regulations requiring investment in short-term government bonds are impacting returns. This shift is dimming the appeal of these funds for investors.
Tata Capital receives 413 crore tax demand; to challenge reassessment order
The demand, totaling 202.72 crore, is due to alleged short credit of taxes and certain disallowances, Tata Capital stated in a stock exchange filing on Saturday
RBI veteran Jose Kattoor appointed South Indian Banks Non-Executive Part-Time Chairman
In his new role, Kattoor will work closely with the Board and senior management to further strengthen governance standards and help drive the Banks long-term strategic vision
Investor confidence in crypto currencies return on institutional demand
Investor confidence in Bitcoin and Ethereum cryptocurrencies remains strong even as the blue-chip prices have fallen since the start of 2026
Govt may consider OFS option for raising public float in IDBI Bank
Earlier this month, the proposed sale of a 60.72 per cent majority stake, held jointly by the government and the LIC, was scrapped after financial bids from two potential buyers reportedly fell short of the reserve price
Kotak Mahindra Capital to divest 30.99% stake in Infina Finance for 1,294 cr
Stake sale across investors to bring holding down from nearly 50% to 19%
Middle-east-bound travellers struggle to buy travel insurance
Several non-life insurers have suspended the issuance of new travel insurance for travellers planning to visit countries such as the UAE, Saudi Arabia, Oman and Qatar.
Equity mutual funds offer up to 11% return last week, sectoral and thematic funds lead. Check top 5
JioBlackRock Large Cap Fund will open for subscription on March 24. Who should invest?
JioBlackRock Mutual Fund has launched its Large Cap Fund, opening for subscription on March 24 and closing on April 7. The fund aims for long-term capital appreciation by investing primarily in large-cap equities, benchmarked against the BSE 100 Index. It offers a direct plan with a growth option and a minimum investment of Rs 500.
Perfios net profit jumps 46% in FY25 on strong SaaS growth
Operating revenue grew 20% to 669.5 crore, with over 95% coming from services
Amidst global uncertainties, fixed deposits offer stable returns. Small finance banks lead with rates up to 8.50%, while private banks like SBM Bank India offer 8.35%. Public sector banks provide competitive rates, with Punjab & Sind Bank at 7.25% for specific tenures.
Mutual fund NFOs: Six funds open for subscription, all passive in nature. Check details
Six new passive mutual fund NFOs have opened for subscription, offering investors fresh low-cost index-based investment options.
Bank locker charges: HDFC Bank has increased its locker charges effective April 1, 2026. The article compares these new charges with those of ICICI Bank, SBI, Canara Bank, and Axis Bank across various locker sizes and locations.
Silver tops decade-long returns, outperforming gold, stocks and bonds. Check details
Silver has emerged as the top-performing asset class over the past decade, outperforming gold, equities and bonds. While mid- and small-cap stocks delivered strong returns, precious metals led the chart. Fixed-income and real estate lagged, highlighting the importance of asset allocation for long-term wealth creation across market cycles.
PAN rules: What changes from April 1, 2026 and what you should do now
These 5 flexi cap mutual funds offer up to 25% CAGR in 3 years. Do you own any?
Several mutual funds have delivered strong returns over the past three years, with some posting CAGRs of up to 25%. The list includes a mix of flexi cap, focused, and passive funds. However, category inconsistencies raise questions, even as investors look at performance-driven fund selection.
Metal stocks have plunged recently due to geopolitical tensions and hawkish Fed commentary. However, experts anticipate a near-term surge in metal prices, driven by the Iran-US conflict and rising oil costs. Supply disruptions in the Middle East are particularly impacting steel and aluminum markets, with potential implications for Indian producers.
Overtime, gratuity, leave rules, 50% wage rule and salary components decoded in new Labour Codes
New Labour Law Salary Structure: Effective November 21, 2025, redefine wages, impacting overtime, gratuity, and retirement benefits. The Code on Wages clarifies that overtime allowance is part of the 50% wage calculation, while statutory contributions and gratuity are excluded.
Planning child education with mutual funds? Expert suggests right fund mix and key portfolio tweaks
A 37-year-old investor seeks guidance on structuring her mutual fund portfolio for her childrens education. Expert Harshvardhan Roongta recommends rebalancing allocations by reducing small-cap exposure and strengthening large- and mid-cap holdings. The advice focuses on disciplined investing, clear fund categorisation, and maintaining a balanced portfolio aligned with long-term financial goals.
IDBI, SpiceJet among 10 stocks that saw sharpest fall, down up to 21% this week. Do you own any?
Indian markets witnessed a broad-based sell-off amid escalating Middle East tensions and rising crude oil prices. Several stocks, including IDBI Bank and SpiceJet, declined sharply during the week. Geopolitical risks, inflation concerns, and regulatory developments weighed on investor sentiment, dragging multiple sectors lower despite selective resilience in parts of the market.
Starting investments early offers a significant advantage, as demonstrated by a chartered accountant's comparison. Investing Rs 12,000 monthly at age 26 yielded Rs 3.68 crore, while a higher Rs 22,000 monthly SIP starting 10 years later resulted in only Rs 1.98 crore, highlighting the power of compounding over time.
8th Pay Commission implementation date: Past trends, arrears rule and AITUC demands explained
Banks across many Indian states are closed on Saturday, March 21, 2026, for the observance of Ramzan-Id (Id-Ul-Fitr). Despite it being the third Saturday of the month, when banks are typically open, widespread closures occurred due to the religious celebrations.
HDFC Bank fires three staff after chairman exit over ethical concerns
HDFC Bank said it identified gaps, conducted a review, and took remedial action in line with its policies
HDFC Bank board to meet next week to discuss Chairman replacement
Investor unease persists as board evaluates leadership transition and next steps
SBI faces 6,337.5 crore Income Tax demand for AY 2023-24
SBI noted that it is already in litigation on similar grounds for earlier assessment years
RBIs Central Board assesses emerging global and domestic economic scenario
Economists say the economy faces challenges on imported inflation via the energy route, possibility of widening current account deficit and rising fiscal deficit
The Latest Fixed Deposit Interest Rates: Mar 13, 2026
The Latest Fixed Deposit Interest Rates: Mar 13, 2026
The Latest Home Loan Interest Rates: Mar 13, 2026
The Latest Home Loan Interest Rates: Mar 13, 2026
Is there a new scheme promising Rs 20 lakh monthly returns? Here is what the government said
Beware of fake investment schemes promising huge monthly returns. Fraudsters are using misleading websites and AI-generated content, falsely associating Finance Minister Nirmala Sitharaman with these scams.
Planning your daughters future? 9 investment options parents should know
State Bank of India faces 6,338 crore tax demand
Income Tax order relates to AY24 scrutiny assessment proceedings
PPFAS, Quant Mutual Fund among 6 AMCs holding over Rs 13,000 crore cash in February
Several major fund houses are holding substantial cash reserves, with SBI Mutual Fund leading with over Rs 34,000 crore. PPFAS Mutual Fund also stands out with a significant 21.19% of its assets in cash. This trend highlights a cautious approach by some of India's largest asset managers, with over Rs 13,000 crore held by just six entities in February.
SBI Mutual Fund: ITC and Eternal among stocks bought and sold in February
Five major AMCs, including HDFC and SBI Mutual Fund, received over Rs 10,000 crore inflows each from top 30 cities in February, driving growth in monthly AAUM. ICICI Prudential Mutual Fund led the inflow chart, reflecting continued investor preference for large fund houses amid steady market participation.
Gold prices are experiencing a dip in India. This is happening even as geopolitical tensions between Israel and Iran continue. Major jewellery brands like Tanishq, Kalyan Jewellers, Malabar Gold & Diamonds, and Joyalukkas are showing lower rates.
Planning to invest in mid and smallcaps amid a volatile market? Heres what 5 experts recommend
Amidst West Asian conflict-induced market volatility, experts offer varied perspectives on investment strategies. While some see improved earnings-valuation for mid- and smallcaps, others advise caution due to elevated valuations, recommending diversified or staggered approaches. Focus remains on quality businesses as geopolitical clarity emerges.
ET Wealth Reader's Query: I am 34, a doctor, married with an infant daughter. Is this the right time to buy term insurance? If so, what cover and amount should I consider?
NRI term plans are 2050% cheaper in India: Check this before buying
NRIs can purchase term insurance in India to financially secure their families back home, with simplified processes and lower premiums compared to overseas options. While eligibility depends on residency and risk profile, claim settlement for overseas deaths is streamlined. Read on to learn about claim settlement process and whether NRIs should opt for term insurance in India or in their country of residence.
The Income Tax Rules, 2026 have been notified, introducing significant changes for salaried taxpayers. Key updates include revised motor car perquisite valuations, an increased tax-free loan limit to Rs 2 lakh, and enhanced meal voucher exemptions under the old tax regime. HRA benefits now extend to more major cities, with new disclosure requirements for landlords.
SBI hikes FD interest rate by 25 bps on these deposits: Check details
State Bank of India is raising interest rates on bulk fixed deposits above Rs 3 crore. Effective March 15, 2026, these rates will see a 25 basis points increase. Rates for smaller deposits remain unchanged.
New Income Tax Rules, 2026, offer higher HRA tax exemptions for salaried individuals in eight major cities, including Mumbai, Delhi, and Bengaluru. A key change requires disclosing relationships with landlords in Form 124, especially for family rentals, to ensure genuine transactions and enhance transparency for tax authorities.
Anil Ambani reaches CBI headquarters for second day of questioning in an alleged bank fraud case
A criminal case was registered against Reliance Communications, Anil Ambani and others on a complaint received from State Bank of India, which is the lead bank in a consortium of 11 banks
All investments in green? Heres how to realign your mutual fund portfolio
Choosing the right mix of mutual funds and rebalancing at the right time is essential for long-term wealth creation. Experts suggest reviewing allocation across large-cap, midcap, and small-cap categories, booking profits where required, and shifting to diversified schemes to maintain balance, reduce risk, and strengthen overall portfolio health.
A husband's sale of a Noida house for Rs 95 lakh has been upheld by the Allahabad High Court. The court ordered the wife to vacate the property and pay Rs 60,000 monthly damages to the new owner for her illegal occupation since 2011. Her claim of contributing stridhan to the purchase was rejected due to lack of proof.
RERA relief: Interest for delayed flats can be recovered as land revenue arrears
Homebuyers can now recover interest for delayed property possession from builders as Arrears of Land Revenue under RERA. This classification, upheld by Punjab RERA and the Supreme Court, allows recovery through the state's revenue machinery, bypassing lengthy civil court processes. Builders face stringent recovery actions, including asset attachment and potential arrest, for non-compliance.
Gold and silver ETFs climb up to 4% after two-day dip. Is the trend reversing?
Gold and silver ETFs rebounded up to 4% after a two-day decline, tracking a recovery in MCX prices. Experts view the rise as a short-term relief rally amid persistent bearish sentiment driven by strong dollar, hawkish Fed stance, and rising oil prices linked to Middle East tensions.
New rules for National Highways Fee are now in effect. An e-notice system will track unpaid toll charges. Vehicle owners will receive electronic notices for missed payments. Failure to pay can lead to vehicle service restrictions.
MF Tracker: This flexicap fund turns Rs 10,000 SIP to Rs 1.35 crore in over 2 decades
HSBC Flexi Cap Fund has demonstrated impressive long-term performance, turning a Rs 10,000 monthly SIP into Rs 1.35 crore over 22 years. Despite recent market dips and some negative calendar year returns, the fund has consistently outperformed its benchmark and category average across various timeframes, showcasing its wealth creation potential.
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