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The real risk in bond investing often lies not in the asset class, but in the investors speculative approach to it.

As healthcare costs rise, understanding health insurance policies is crucial. Key factors affecting claim payouts include sum insured, room rent eligibility and co-payment clauses. 

Gold ETFs invest directly in physical gold and related instruments, while gold mutual funds buy units of gold ETFs. While both fall under the mutual fund category regulated by AMFI, they differ significantly in terms of investment structure, taxation, costs, liquidity, and investment approach.

Gold is trading near $4,450 and silver is around $72 to $78.50, as rising oil prices and geopolitical tensions affect the inflation outlook and investor sentiment. Focus is on how the US-Iran dispute unfolds. A peace deal can provide much-needed respite from rising inflation and commodity prices. 

The Income Tax Department has launched online filing for ITR-2 for assessment year 2026-27, targeting individuals and HUFs with income from capital gains and other sources. Eligibility criteria are specified, while ITR-1 and ITR-4 have also been made available for small and medium taxpayers.

West Bengal CM Suvendu Adhikari launched the 'Annapurna Bhandar' scheme, offering 3,000 monthly assistance to eligible women. Applications can be submitted online or offline, with verification ensuring benefits reach the right recipients. 

EPFO subscribers will soon be able to access their provident fund savings directly through UPI, reducing paperwork and waiting times. Members can withdraw 50% to 75% of their EPF balance. The new system aims for a paperless experience, with testing completed and rollout expected soon.

Indian parents face emotional and financial challenges sending children abroad for education, with costs rising to 5 crore by 2036 due to rupee depreciation and tuition hikes. Despite high expenses, 90% still prefer overseas studies, relying on long-term investments to ease the financial burden.

Speculation about the 8th Pay Commission grows as central government employees await long-promised salary revisions. Reports indicate the Centre may not meet all union demands, including a higher fitment factor, raising doubts about substantial pay hikes amid rising inflation pressures.

Most banks will be closed on May 28, 2026, for Bakrid/Eid al-Adha, a gazetted public holiday. Central government offices will also observe this day off, replacing the previously scheduled holiday on May 27.

Most returning NRIs are eligible for RNOR status for nearly two to three financial years, depending on their earlier duration of stay in India. Failing to claim this status properly can result in foreign income being unnecessarily subjected to Indian taxation

The EPFO provides pension benefits for subscribers with over 10 years of service. Members can withdraw their provident fund while retaining pension benefits. Here's when and why Form 10C is used

Attention taxpayers! The tax department has today enabled excel utility for income-tax returns for AY2026-27 (FY25-26) for online form ITR-2 on its official e-filing portal. Here's all you need to know

Bank FDs offer senior citizens a secure investment option for managing expenses like medical and living costs. Here is a comparison of fixed deposits from various public, private and small finance lenders

Previously, the person making the gift was liable to pay tax under the provisions of the Gift Tax Act

High credit card annual percentage rate (APR) charges can quietly increase debt and monthly expenses. Understanding the concept behind APR can help credit card users manage repayments wisely and avoid costly interest charges.

For a 30 lakh home loan, utilizing an annual 2 lakh bonus through lump-sum prepayments can save significant interest and reduce tenure. Early repayments enhance financial flexibility, while higher EMIs offer a structured but less flexible approach.

A 75,000 monthly salary can stretch further with smart expense planning, disciplined savings, SIP investments and controlled lifestyle spending to build long-term financial stability. 

Unlock financial control with a clear understanding of the credit utilisation ratio, a key factor that shapes your credit score, influences lending decisions, and supports strong financial health through disciplined credit use and timely repayments.

8th pay commission: The panel is set to meet stakeholders, unions, and employee representatives across states in June and July 2026. Check here for the full list of cities with planned visits in the coming months

REITs and InvITs allow you to invest in real estate and infrastructure properties like a stock. By purchasing the units of these instruments, you can directly own a piece of land without spending lakhs and crores of money.

The 8th pay commission has called meetings with various employee groups to gather information before it makes recommendations. We explore why Dearness allowance (DA) important and why the Centre forms a pay commission every 10 years

I asked ChatGPT how to survive an unexpected layoff on a 14 LPA salary. The AIs answer revealed how quickly savings, EMIs and lifestyle costs can spiral out of control.

Smart borrowing starts with careful planning before taking a personal loan. It will help manage EMIs, interest rates, credit score and repayment capacity for stronger financial stability and disciplined debt control. 

A Bengaluru couple recently hosted a destination wedding at Jim Corbett National Park and shred the costs associated with it. Advocating for financial prudence, they detailed their expenses in an Instagram video.

The 8th Pay Commission has confirmed meetings in Bhubaneswar on 67 July. Stakeholders are required to submit the prescribed request forms and memoranda before key consultation deadlines. Check the details carefully before submitting the forms. 

Could 2 lakh really buy a comfortable, and stress-free international holiday for a vegetarian Indian couple in 2026? ChatGPT compared Thailand, Vietnam, Bali, Malaysia and Sri Lanka factoring in flights, Airbnbs, caf culture, shopping, vegetarian food and hidden costs. 

MCX gold June futures were 0.10% up at 1,58,220 per 10 grams. Gold prices have been under pressure since the US-Iran war started on 28 February. International gold prices have fallen by up to 15% since the start of the Middle East conflict.

Sebis proposal allowing salary deductions for mutual fund investments could boost saving discipline, reduce behavioural spending leakage and accelerate MF adoption.

Unlike diversified equity funds, these schemes have a concentrated portfolio, making it important for investors to thoroughly analyze risk factors before investing. 

As falling fixed deposit rates push Indian savers toward corporate bonds and online debt platforms, many retail investors are underestimating the credit, liquidity and product risks behind high yields.

Section 44ADA simplifies tax filing for self-employed professionals by allowing them to treat half of their income as profit, reducing paperwork and taxable income. Eligible professionals include doctors, lawyers, and freelancers, who can file ITR-3 or ITR-4 under this scheme.

Indias insurance industry has become faster and more digital, but low penetration shows trustnot accessremains the biggest challenge for meaningful financial protection.

EPFO subscribers may soon withdraw funds directly to their bank accounts via UPI, eliminating employer sign-off and processing delays. Labor Minister Mansukh Mandaviya announced the initiative, which allows instant QR code transactions at ATMs, benefiting over seven crore members.

The IRTSA has proposed distinct fitment factors for various employee levels under the 8th Pay Commission, suggesting a range from 2.92 to 4.38. This could lead to significant salary increases, with some employees seeing hikes exceeding 400%.

When a business patriarch dies without a Will or succession plan, disputes can quickly spiral. Experts explain how families can avoid years of costly litigation.

Banks may be closed on May 27 or 28 for Bakrid/Eid al-Adha, depending on the state. Public holidays apply to central and most state government offices. Online banking and ATMs remain operational, allowing customers to perform transactions despite bank closures.

The Pension Fund Regulatory and Development Authority's Atal Pension Yojana is a government initiative that seeks to create a universal social security system providing pension cover for the poor, underprivileged, and unorganised sector workers.

As concerns about NRIs withdrawing money from Indian bank accounts have been gaining traction recently, here's a closer look at the numbers and what they mean.

Employees provident fund: For international workers and those working in a foreign country, here's what the EPFO's Social Security Agreement means. We explain how it works and other key FAQs answered

Mutual fund taxation in India varies by fund type and holding period. Equity funds face different tax rates for short-term and long-term gains, while debt funds purchased after April 1, 2023, are taxed at income tax slab rates. Details here.

A sweep-in facility is a feature that helps you earn better returns on excess funds lying idle in your savings or current account. Under this facility, any sum in your savings account above a pre-set limit is automatically transferred into an FD.

The 8th Pay Commission will visit Lucknow on June 22-23 to gather input on salary structures from stakeholders. Chaired by former SC Justice Ranjana Prakash Desai, the commission will hold consultations across India.

In India, intraday trading profits are taxed as speculative business income, while Futures & Options trading profits are non-speculative. Here are the income tax rules.

Forgotten savings still belong to you. Dormant bank account rules in India explain how to recover unclaimed deposits from the RBIs DEAF fund with simple verification and KYC steps. Understand the rules, build knowledge and take steps to reclaim your funds. 

The Centre increased the Dearness Allowance to 60% effective January 1, impacting millions of central government employees and pensioners. Following this, various states and organizations, including Indian Railways and the IBA, announced hikes. Here's a look:

Indians working abroad can send money home tax-free to parents, as long as they are classified as specified relatives. While remittances are not taxed, income from investments made with that money may be taxable. Details here. 

Skip the paperwork with these must-have government apps in India that simplify digital payments, travel, transport services, and secure document storage for a faster and smarter digital lifestyle. 

MSMEs face challenges in obtaining loans due to informal income records. Data-driven lending utilizes bank statements and AI to assess creditworthiness, enabling personalized loan products. This approach supports financial inclusion, ensuring that lenders understand repayment capabilities.

I asked ChatGPT and Gemini if I can afford to travel to Japan on a yearly salary of 10 lakh. The chatbots outlined a blueprint for me to follow.