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How bond prices and yields work: Hidden risk most investors overlook in fixed income markets

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

28 May 2026 10:55 am
Your health insurance may not cover the full hospital bill: 7 hidden clauses policyholders often miss

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. 

28 May 2026 10:46 am
Gold ETFs vs gold mutual funds: Key differences in returns, costs, taxation and SIPs

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.

28 May 2026 10:25 am
Gold and silver prices today, 28 May: Check retail rates of 24K, 22K gold and 999 silver in Delhi, Mumbai, other cities

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. 

28 May 2026 10:08 am
ITR-2 filing begins: Who should file, who cannot Check eligibility, exclusions, deadlines

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.

28 May 2026 9:42 am
Annapurna Yojana: Unable to fill enrolment form online or offline? Here's how beneficiaries will get help

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. 

28 May 2026 8:40 am
EPFO 3.0: Want to withdraw 100% of your PF money? Check the latest withdrawal rules

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.

28 May 2026 7:58 am
US degree now costs more than a 2BHK in Bengaluru and Gurgaon How parents are prioritising

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.

28 May 2026 6:47 am
8th Pay Commission latest update: Big salary hike unlikely! Why Centre may settle for a moderate pay revision

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.

28 May 2026 6:37 am
Bank holiday today, May 28: Are SBI, HDFC Bank and other banks open or closed for Bakrid/Eid al-Adha?

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.

28 May 2026 5:35 am
Who is a Resident but Not Ordinarily Resident and what are the tax implications?

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

27 May 2026 11:00 pm
EPFO: Want to avail pension benefit? Here's why retirees need Form 10C FAQs on details, documents you need

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

27 May 2026 10:28 pm
Attention taxpayers! Excel utility for income-tax return form ITR-2 enabled Here's all you need to know

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

27 May 2026 9:10 pm
Fixed Deposit interest for senior citizens: Banks offer up to 8.25% Check SBI, HDFC Bank, Utkarsh Small Finance, ICICI

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

27 May 2026 8:28 pm
Are gifted shares taxed in India? Key rules, exemptions explained

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

27 May 2026 8:05 pm
Credit Card APR explained: How annual percentage rate works and why it matters for users

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.

27 May 2026 7:56 pm
Should you use your annual bonus for prepayment of an outstanding home loan?

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.

27 May 2026 7:12 pm
Making 75k a month? Here are some expert-backed strategies to invest, save and lead a stress-free life

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. 

27 May 2026 6:49 pm
Credit utilisation ratio: How CUR impacts your credit score and what you can do to improve it

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.

27 May 2026 5:59 pm
8th pay commission to meet employee representatives in June, July 2026 Check full list of cities with planned visits

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

27 May 2026 5:51 pm
REITs and InvITs explained: Meaning, key features, income generation, taxation, and major differences

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.

27 May 2026 5:08 pm
DA: Why is Dearness allowance important? Why does Centre form a pay commission every 10 years?

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

27 May 2026 4:34 pm
I asked ChatGPT how to survive a sudden layoff on a 14 LPA salary. The AI gave me a 'stop-loss' rule

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.

27 May 2026 3:45 pm
Personal loan on your mind? Smart planning before taking one can save your wallet

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. 

27 May 2026 3:29 pm
Bengaluru couple breaks down expenses of hosting grand destination wedding at 5-star resort in Jim Corbett

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.

27 May 2026 3:06 pm
8th Pay Commission update: Bhubaneswar stakeholder meetings scheduled for 67 July; here is how to take part

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. 

27 May 2026 2:55 pm
I asked ChatGPT to compare Thailand, Vietnam and Bali for a 2 lakh vegetarian trip from Delhi. Heres the AI verdict

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. 

27 May 2026 2:30 pm
Gold and silver prices today, 27 May: Check retail rates of 24K, 22K gold and 999 silver in Delhi, Mumbai, other cities

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.

27 May 2026 2:14 pm
Sebis salary-to-mutual fund proposal could change how Indians invest

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

27 May 2026 1:28 pm
What should you check while investing in sectoral and thematic funds? Key risks to look out for

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

27 May 2026 12:58 pm
Why retail investors chasing higher returns in bonds are running into hidden risks

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.

27 May 2026 12:38 pm
ITR filing AY 2026-27: You could legally reduce tax on half your earnings Heres who is eligible

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.

27 May 2026 11:37 am
Why insurance industry needs a distribution revolution, not just a digital one

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

27 May 2026 11:05 am
EPFO 3.0: No paperwork, no waiting instant EPF withdrawal via ATM and UPI; what actually changes for EPF users

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.

27 May 2026 8:37 am
8th Pay Commission: Railway union proposes 5-fitment-factor formula; salaries may jump over 400% check calculator

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%.

27 May 2026 7:36 am
Family feud over inheritance? Heres how to avoid years of litigation

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.

27 May 2026 7:01 am
Bank holiday today, May 27: Are SBI, HDFC Bank, and other banks closed for Bakrid/Eid al-Adha? Check list

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.

27 May 2026 6:08 am
Atal Pension Yojana: Scheme, eligibility, pension payout, tax benefits of APY, explained

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.

26 May 2026 11:09 pm
The truth about NRI deposits: India is not losing them, says ClearTax's Archit Gupta

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.

26 May 2026 10:53 pm
Working in a foreign country? Here's what EPFO's Social Security Agreement means, how it works & other key FAQs answered

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

26 May 2026 9:44 pm
Equity vs debt mutual fund taxation: How your MF gains are taxed in India

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.

26 May 2026 8:50 pm
Sweep-in fixed deposit facility: A smart way to partially withdraw from FD and earn higher returns

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.

26 May 2026 8:18 pm
8th pay commission: Meeting with employee representatives scheduled in Lucknow, Uttar Pradesh Check dates

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.

26 May 2026 7:10 pm
How are profits from intraday and Futures & Options trading taxed in India? Explained

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.

26 May 2026 7:02 pm
Can you still claim money from a dormant bank account? RBI says yes here's how

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. 

26 May 2026 5:31 pm
DA hike: States hike dearness allowance for employees, pensioners Check full list here

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:

26 May 2026 4:49 pm
NRI sending money to parents in India: Are overseas transfers taxable?

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. 

26 May 2026 4:43 pm
From DigiLocker to BHIM UPI, 5 must-have govt apps to speed up digital payments and access public services faster

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. 

26 May 2026 3:56 pm
MSMEs need more than loans; they need data-driven credit pathways

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.

26 May 2026 3:47 pm
Can you afford a Japan trip on a 10 lakh salary? I asked ChatGPT and Gemini

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.

26 May 2026 3:38 pm