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Business / Livemint

Guide for NRIs for filing FY25 income tax returns

With the ITR deadline for FY25 (AY26) set for 15 September 2025, NRIs should begin preparing well in advance.

27 Jun 2025 6:31 pm
How to improve your credit score fast in just 12 months step-by-step guide for 2025

Improving credit score is a lengthy process, so it is advisable to commence as soon as you can. Some of the effective methods to improve it include paying your dues on time, rectifying the mistakes and keeping your credit utilisation below 30 per cent.

27 Jun 2025 4:47 pm
Why do we take personal loans? A look into the psychology of borrowing

There should ideally be a strong need while raise the loan and minimum amount of guilt as someone goes ahead with raising a personal loan

27 Jun 2025 4:34 pm
When you should take a personal loan and when you definitely shouldnt

A personal loan can offer quick financial relief but should be used wisely. Know when borrowing makes sense, key risks, current interest rates, and essential loan factors before applying.

27 Jun 2025 4:30 pm
Credit card: What it is, how it works, and what to check before applying

A comprehensive guide explaining what credit cards are, how they function, and essential factors like eligibility, fees, and repayment planning to consider before applying for one in the nation.

27 Jun 2025 4:27 pm
Brad Pitts F1: What this racing film teaches us about money and mindset

F1: In this film, Brad Pitt plays a faded F1 star who mentors a rookie driver. The story emphasizes teamwork, frugality, and personal growth, showcasing the thrill of racing alongside valuable financial lessons, all wrapped in a Bollywood-inspired narrative.

27 Jun 2025 4:23 pm
How to transfer shares to a nominee in ICICI Direct demat account? Step-by-step guide

This guide explains the process of transferring shares from a deceased ICICI Direct demat account holder to a registered nominee, including key documents, steps, and contact support for smooth transmission.

27 Jun 2025 1:45 pm
Credit Cards: THESE cards do not charge any annual fee. Check the list

Here we list out a few credit cards which do not charge any annual fee. The list is indicative, and not exhaustive.

27 Jun 2025 10:16 am
Bank holiday today: Are banks open or closed on Friday, June 27 for Rath Yatra? Check region-wise list here

Bank holiday today: On June 27, 2025, banks will close in some regions for Rath Yatra and Kang. With the weekend following, closures will extend for three days.

27 Jun 2025 7:34 am
India's rare earths riddle: No quick fix as China holds the magnetic key

Despite efforts to boost domestic production and find alternative sources, issues like raw material availability, technology access, and unviable import duty structures are hindering a quick resolution, according IREL's acting boss S.B. Mohanty

27 Jun 2025 6:00 am
Push for faster WiFi for next gen gadgets faces spectrum interference concerns

Big Tech and broadband firms such as Meta, Sony, Google and Apple are pushing for higher transmission power to support faster, wider Wi-Fi coverage and better experience to consumers.

27 Jun 2025 5:00 am
RBI asks all banks to ensure 50 bps rate cuts are passed on to customers swiftly

SBI, Bank of Baroda, and HDFC Bank are among the lenders that have already passed on the benchmark lending rate-linked interest rate to borrowers by 50 bps.

26 Jun 2025 11:02 pm
Homebuyers in wait-and-watch mode: Fewer Indians now buying homes as prices soar, says report

Report showed that the sales declined in six out of seven top cities - Delhi-NCR, Mumbai Metropolitan Region, Bengaluru, Hyderabad, Pune and Kolkata.

26 Jun 2025 7:59 pm
India to develop sea protocol to boost mango exports and reduce spoilage

Following successful trials with other fruits, the initiative aims to lower costs and boost exports to overseas markets, particularly the US.

26 Jun 2025 5:56 pm
From Konkans Alphonso to Andhras Imam Pasand, why are Indian mangoes losing their sweet spot?

Centuries-old mango varieties of India are frozen in time, while the weather and the world around them have changed. A crooked nexus has turned orchards into playfields of abuse. Should one write an epitaph in memory of the beloved mango?

26 Jun 2025 5:00 pm
How is credit score different from credit report? An explainer

It is a three-digit number between 300 to 900 that shows how creditworthy an individual is based on his payment history. Higher the credit score, better it is.

26 Jun 2025 4:43 pm
Beyond trust: India's younger generation is bringing clarity to family wealth planning

For decades, succession in India was built on trust, spoken assurances, and unspoken assumptions. That's now changing at long last.

26 Jun 2025 4:26 pm
Credit score below 650? Try THESE smart strategies to improve it

Improve credit score with timely repayments, low credit usage, credit mix, and regular report checks to access better loan rates and financial opportunities.

26 Jun 2025 3:36 pm
Should you buy OPD insurance? Get the complete lowdown to help you decide.

Retail OPD insurance accounted for less than 0.1% of India's OPD spending of $37.7 billion in FY24. Now, insurers have started to offer OPD coverage and healthcare startups have also entered the space.

26 Jun 2025 3:02 pm
How gold loans affect your credit score What every borrower should know

Gold loans in India are popular due to easy approval, low interest rates, and minimal documentation. While they don't require a high credit score, timely repayment can enhance credit scores. Borrowers should manage loans carefully to protect their financial future.

26 Jun 2025 2:29 pm
Does my life insurance policy cover accidental death benefit?

Most comprehensive travel insurance policies and many life insurance policies do include accidental death benefits.

26 Jun 2025 1:25 pm
Why premium portfolio management services in India are failing to justify their fees

Before paying higher fees, ask what real value you're getting in return.

26 Jun 2025 1:03 pm
Inside JioStars bet on bold stories, Gen Z, and the future of Indian entertainment

At APOS 2025, Alok Jain and Krishnan Kutty explained how JioStar aims to change not just how India watches contentbut what stories it watches.

26 Jun 2025 12:34 pm
Pre-approved vs regular personal loans: What should you choose in 2025?

Personal loans serve as a flexible finance option for urgent needs. Pre-approved loans offer swift approvals and lower rates for eligible clients, while regular loans take longer and require more documents. Always compare terms and conditions before accepting any loan offer.

26 Jun 2025 11:33 am
Instant personal loan up to 5 lakh: Documents you must have for quick approval

Get instant personal loans of up to 5 lakh with faster approvals by ensuring accurate documentation like salary slips, KYC, address proof, and digital verification for quick disbursal.

26 Jun 2025 11:28 am
Can you use a credit card to buy gold? Heres what you should know before swiping

Using credit cards to buy gold can provide rewards and convenience but comes with restrictions, high interest rates, and fees, making financial discipline crucial for smart and secure transactions.

26 Jun 2025 10:49 am
How do you link your RuPay card with UPI? A step-by-step guide

To be able to activate digital payment service on your credit card, you can simply link your RuPay credit card with UPI

26 Jun 2025 9:59 am
What leads to a hard inquiry? These are the key factors to consider

A hard inquiry occurs when a credit user applies for a loan. This leads to the loss of credit score. Applying for too many loans indicates that the user is too desperate for loan.

26 Jun 2025 9:54 am
That water filter is secondary. Its the service that sells now

Indias  water purifier market is no longer just about clean water its about who can make it effortless. As subscriptions replace service calls, a new battle is brewing between legacy giants and digital disruptors.

26 Jun 2025 6:00 am
Six more locations for monster reserves to stock up crude oil for India

Strategic petroleum reserves (SPRs) are critical to stock up crude oil to ride out shocks. Now, India is planning six more such locations to house oil reserves, and Engineers India Ltd is studying the feasibility. 

26 Jun 2025 5:40 am
Saatchi & Saatchi doubles in size in five yearsbut agency model under strain as ROI obsession rises

Saatchi & Saatchi doubles in size in five years, but CEO Paritosh Srivastava says the real challenge lies ahead, as creativity battles ROI obsession, and the industry scrambles to fix its broken talent and agency models.

26 Jun 2025 5:30 am
ITR: How to spot and fix mismatches in Form 16 and Form 26AS before filing your tax return

Form 16 is a certificate issued by employers that furnishes details about the TDS (Tax Deducted At Source). However, Form 26AS also mentions TDS information. So, what exactly is the difference between the two?

26 Jun 2025 5:10 am
Shell says not in talks to acquire rival BP, to focus on performance

Shell says this is further market speculation. No talks are taking place to take over rival BP

25 Jun 2025 11:15 pm
When should you refinance your home loan?

Smart switching isnt about following the trend; its about knowing when the numbers work in your favour.

25 Jun 2025 6:44 pm
JioStar banks on $500 mn engine to sustain IPL as India's most monetized league

JioHotstar, the digital home of the cricket league, now has over 300 million subscribers and recorded 1.04 billion app downloads during the season. Viewership on mobile touched 417 million, while connected TVs added another 235 million. The IPL final alone drew 426 million viewers.

25 Jun 2025 5:14 pm
Global investing through GIFT City: What a keen investor should know about

GIFT City is emerging as a prime destination for investors seeking global diversification. A virtual workshop on July 5, 2025, will discuss its benefits for Indian residents and NRIs, featuring insights on global investment strategies and currency alignment.

25 Jun 2025 5:03 pm
The weight loss drug market has gotten messy. What to know.

Heres what to know about the weight loss drug market now, and where its going.

25 Jun 2025 4:41 pm
How to remove auto debit from your SBI credit card? A step-by-step guide

This guide explains how to cancel auto debit instructions on SBI credit cards through online, offline, and banking channels, helping users maintain financial control and prevent unauthorised deductions.

25 Jun 2025 4:23 pm
Mini retirement is the new sabbaticalshould you take one?

As burnout rises and careers get longer, Indians are rethinking the traditional work arcwith planned breaks that offer rest, reflection, and a reset.

25 Jun 2025 4:16 pm
Customised credit cards or BYOC: What it is, how it works, and who its best for

Customised credit cards enable users to select various features like reward categories and card designs. This flexibility allows for personalized benefits that align with financial needs, providing options for billing cycles and spending limits to enhance user experience.

25 Jun 2025 4:14 pm
How fintech apps have made personal loans mere a click away? Key points to know

It is recommended to check the authenticity of digital lending app. Usually the app is a mere platform and there is a lending institution behind it. So, it is important to exercise due caution and make sure that the lender which is disbursing the loan is registered with the RBI

25 Jun 2025 4:09 pm
HDFC digital loan against mutual funds: How it works, interest rates, and key risks

HDFC Bank provides instant digital loans against mutual funds, permitting investors to unlock liquidity without redeeming their holdings. The process is quick, paperless, and market-linked.

25 Jun 2025 2:52 pm
Planning undergrad abroad? Here's why you should look beyond the US

Mint's cost-benefit analysis shows you may get a better return on your investment in countries such as the UK, Germany, Australia and Singapore.

25 Jun 2025 1:19 pm
Why modern health insurance should cover short hospital stays

Quick surgeries are now routine, yet many insurance plans still demand 24-hour hospitalisation to honour claimsleaving modern patients stranded in an outdated policy framework.

25 Jun 2025 12:53 pm
May air traffic remains resilient with only slight dip in numbers despite Operation Sindoor disruptions

Despite airspace and airport closures following Operation Sindoor, May air traffic in India remained resilient with 1.4 crore passengers. The figures were 2% lower than April but 1% higher than May 2024, signalling stability despite disruption and a pause in growth momentum.

25 Jun 2025 12:14 pm
Investing 10,000 a month via SIP in this mutual fund would have swelled to 1.71 crore in 21 years. Check how

Mutual funds: If someone were regularly investing 10,000 every month since the inception of Tata Equity P/E Fund in June 2004, the total investment would have touched 1.71 crore, giving an annualised return of 16 percent, shows fund houses website.

25 Jun 2025 10:54 am
Premium credit cards charge over 12K as annual fee. Is it worth paying that much?

Premium credit cards: After paying high annual fee, cardholders get access to a range of services which include access to golf, special clubs, international lounges, 24X7 concierge service.

25 Jun 2025 10:47 am
Personal loans for freelancers: Key things to consider before applying

Freelancer can decide to raise a personal loan for a variety of reasons such as to buy an equipment or gadget, or for working capital during a lean month

25 Jun 2025 10:42 am
ITR filing deadline extended to Sept 15: Will there be penalty if you file return after July 31?

Under section 234A of Income Tax (I-T) Act, interest is charged when ITR is filed after the due date. Since the last date has been extended, no interest will be payable till Sept 15 so long as the advance tax has been paid

24 Jun 2025 5:43 pm
Will an Indian beneficiary of a foreign trust face tax liability here?

As a non-resident, transferring foreign assets into a foreign trust will not trigger any tax liability for you in India.

24 Jun 2025 5:43 pm