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ESIC beneficiaries are required to link their Aadhaar with their ESIC Pehchan Card for authentication under Section 142 of the Code on Social Security, 2020. The process can be completed online through the ESIC portal. 

Sebis new life cycle funds automatically shift money from equity to debt as maturity nears, reducing the need for investors to rebalance or time the market.

The 8th pay commission is holding consultations with employees and pensioners in Chennai today and will be in Puducherry tomorrow, 9 September. Here's a look at what's likely on the table for discussion

An active health insurance policy does not guarantee that every medical claim will be paid. Here are six common reasons insurers may reject a claim, from waiting periods to exclusions and missing documents.

Irdai's Public Insurance Registry promises to make insurance easier to find, compare and claim, but privacy, bad data and unequal access could determine whether it actually helps policyholders.

The NUDGE campaign has led to 1.32 crore updated tax returns, enhancing tax compliance and efficiency. Here's how the income tax department is improving compliance among taxpayers. 

A Mumbai-based businesswoman won a tax appeal against 20 lakh additions made by the income tax department due to cash payments of credit card bills and deposits. Here's what happened.

Your ideal financial cushion depends on monthly expenses, liabilities, dependants and income stability, not just your salary or savings. Heres how many months of expenses you should keep aside based on your age, job and financial responsibilities.

SGB 2020-21 Series VI investors can redeem their bonds prematurely from 8 September 2026 at 15,384 per gram. The redemption price represents a 203.6% capital gain over the 5,067 online issue price, excluding 2.5% annual interest.

Homebuyers can seek refunds from developers who fail to complete construction, as per RERA regulations. An Allahabad resident won a case against a builder in Gurugram for delays after paying 14.5 lakh. Details here.

A man from Kerala reported receiving two unknown UPI payments but chose not to return them, suspecting a scam. His bank account was subsequently frozen. Here are the rules and customer rights in such cases.

A 10,000 monthly SIP may look affordable today, but the same amount would not have been affordable to most investors 20 years ago. Its affordability-adjusted analysis shows a 10,000 flat SIP could have grown to 87.3 lakh, compared with 31.9 lakh for an income-adjusted SIP over the same period.

When leaving a job, ensure that the correct exit date is recorded in the EPFO system to avoid issues with PF transfers and verification. Here's the full process for making corrections or updating it.

Subscriptions are bringing groceries, fitness, beauty and other everyday needs to the doorstep, reducing routine trips outside. But convenience can also create behavioural traps and recurring costs.

NC-JCM has sought OPS benefits for certain NPS-covered central government employees recruited against vacancies sanctioned before 22 December 2003. Heres who could benefit if the government accepts the demand and how it differs from the existing OPS eligibility rules.

Gold and silver prices today, 8 September: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.

Filed your ITR but the income-tax refund has not reached your bank account? Here are six things to check if the refund is delayed, failed or marked as issued. From checking your refund status and bank-account validation to requesting a refund reissue, heres what taxpayers should do next.

Income Tax Dept seized gold, diamonds and 11.2 kg silver from a Mumbai womans home and bank lockers. ITAT Mumbai deleted 11.23 lakh tax addition after accepting her explanation of marriage gifts and inheritance.

Investing in mutual funds or insurance requires nominating a person to receive proceeds upon death. Here's whether minors can be nominated and everything else you need to know.

The registry could bring several changes for policyholders, from putting all their insurance policies in one place and making health insurance portability easier to enabling product comparisons, simpler servicing and better visibility into agents and intermediaries

Mutual fund investors can benefit from a tax advantage on dividends received by schemes, as these dividends are not taxed at the scheme level. The full amount can remain invested and compound, unlike direct stock dividends, which are taxed at the investors slab rate. 

Mutual funds often come with 10- or even 20-year performance histories, but the manager currently making investment decisions may have been running the scheme for much less time. A September 2026 analysis found average manager tenure below three years across every equity-fund category.

A weak or negative SIP return in the first two years may not be a reason to exit. An analysis of two decades of Nifty 500 TRI data found that nearly 69% of cases with negative two-year SIP returns delivered double-digit annualised returns by year five, while none remained negative. 

Investing in experiences and comfort can enhance life satisfaction. Here are 5 luxuries you must spend on once essentials, emergencies and future goals are covered.

Bond yields have risen sharply over the past year, with Indias 10-year government bond yield nearing 7%. As equities remain volatile and F&O traders face losses, higher yields are making debt more relevant for retail investors. 

HDFC Bank has lowered its lending benchmarks by 5 to 10 basis points for various tenures effective September 7, 2026. The revised MCLR rates now range from 7.90% to 8.60%, with reductions benefiting borrowers linked to MCLR loans.

For taxpayers subject to a tax audit, the 30 September audit report deadline and the 31 October ITR filing deadline are separate but connected compliance steps for AY 2026-27. Here's what taxpayers need to know about these two deadlines and what they should do before each date.

By adopting practical habits, you can effectively save money for future expenses. Here are 5 hacks to save more money; these finance lessons from Indian mothers make you richer every week.

Investing 30 lakh? Compare SCSS, bank FD and Post Office Monthly Income Scheme (MIS) interest rates, income potential, deposit limits and payout frequency to understand which option can deliver the highest regular income while balancing eligibility, liquidity and tax considerations.

FDs may offer stability, but putting a large amount in one bank can expose investors to concentration risk. DICGC deposit insurance covers up to 5 lakh per depositor per bank, including principal and interest. Heres what investors with large FD portfolios should know. 

Investing without clear goals can lead to poor decisions influenced by emotions or trends. Check these 5 common money mistakes.

Experts say a personal loan can help consolidate credit card debt if its interest rate is lower than your card's cost and you maintain repayment discipline, but check processing fees, prepayment penalties and total interest before switching.

Silver surged 98% in a year, but investors earned only 18%. The sharp gap raises a bigger question: did investors miss the rally, or did they enter at the wrong time? The answer lies in how investor behaviour changed as silver prices climbed.

Taxpayers with business or professional incomes face different ITR deadlines. Tax audit reports are due by September 30, 2026, with penalties applicable for late submissions. Details here.

Mark Zuckerberg owns multiple properties with his wife Priscilla Chan, including their recent purchase of a gothic castle in Ireland. The couple also own two lakefront estates, a residential home in Palo Alto, ranches in Hawaii and several more mansions and properties in the US. Check all.

A Sukanya Samriddhi account does not automatically close when the girl gets married. If she marries after turning 18, the account may be closed prematurely within the prescribed timeline, subject to SSY rules.

India's life expectancy has risen over the last few decades, emphasising the need for enhanced retirement planning. Experts explain what an average retiree needs after exiting the workforce.

Online platforms can help create a will for as little as 499, while assisted services can cost 30,000 or more. But the question is not just how much you pay to make a willit is whether you have disclosed every relevant asset, established ownership correctly and planned for potential disputes.

Health insurance or emergency fund first? Expert explains why you need both and how much to keep Why savings alone may not protect you from rising medical costs, job loss and unexpected expenses.

8th Pay Commission's Chennai consultation began on September 7 2026, covering fitment factor, salary, and pension reforms. No official fitment factor confirmed yet. Next stops: Puducherry (September 9), Chandigarh (September 16-18), Bengaluru (October 7-8).

The Supreme Court protected the pension and retiral benefits of a municipal engineer whose ST certificate was invalidated after more than three decades of service. The court used Article 142 to grant limited relief while making clear that his ST status was not restored or validated.

Credit card advisors promise to maximize rewards, but fees can range from 399 to 1.5 lakh. When does the extra value justify the costand when are you better off doing it yourself?

Only four mid-cap funds delivered over 17% annualised three-year SIP returns, with HSBC Midcap Fund topping the list at 20.70%. Value Research data shows that several of the categorys largest funds by AUM delivered lower returns, highlighting the wide performance gap.

Investors questioning their equity exposure should look past current market conditions and focus entirely on their specific financial objectives and timelines.

NPS is a retirement savings scheme providing market returns and tax benefits through voluntary contributions. If contributions cease temporarily, the accrued amount remains invested and continues to generate returns. Here's how much your retirement corpus could lose due to a pause.

A Bengaluru taxpayer faced a 1.23 lakh tax demand after his consultant mistakenly filed Form 10-IEA for the old tax regime. ITAT Bangalore accepted the new regime chosen in his ITR and directed the tax authorities to recompute his liability.

A taxpayer faced an Income Tax addition after depositing 32 lakh in cash during demonetisation, but the ITAT accepted 2.84 lakh linked to her mother-in-laws gold sale. The ruling highlights why taxpayers need clear evidence to establish the source of cash.

Misleading property advertisements can be reported to RERA by homebuyers. The process is streamlined for filing complaints online, where RERA can penalise builders for false claims. Details here.

EPS supports over 85 lakh individuals, many of whom may retire abroad. Pensioners must keep their Life Certificate valid. If you cannot use the digital route or appear physically to make the submission, here are some of the options you can consider.

Gold and silver prices today, 7 September: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.