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Celebrating a paid-off home loan is essential, but ensure to collect original documents, including sale deeds and No Dues Certificates. Per RBI guidelines, lenders must return these within 30 days; failure results in compensation. 

Gold and silver prices today, 28 August: 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.

Thematic and small-cap funds may offer growth, but they demand patience and discipline. Groww AMCs Anupam Tiwari explains where these bets fit and where investors should tread carefully.

The 8th Pay Commission fitment factor remains undecided, with several employee and pensioner organisations seeking factors of 3.61, 3.833 and 4.00. Heres what each proposal could mean for minimum basic pay, pensions and central government employees.

This Raksha Bandhan, gift mutual fund units to your sibling instead of a traditional present. Know the transfer process, eligibility, charges, tax treatment, NRI and minor rules, and what happens to SIPs after gifting.

Best health insurance policy 2026 India: compare sum insured, exclusions, waiting period, co-payment, sub-limits, network hospitals, top-up plans & no-claim bonus before buying a family floater.

Banks will remain closed in several states on 28 August for Raksha Bandhan. The closures are state-specific, while online banking, UPI, NEFT, RTGS, and ATM services will continue. Customers should check their local bank's holiday schedule before visiting a branch.

Equity mutual fund returns can vary sharply across categories and schemes. Over a 10-year SIP period, some small-cap and mid-cap funds emerged among the top performers, while certain large-cap, value and flexi-cap schemes featured at the lower end. 

Index funds are becoming increasingly popular among retail investors in the passive investing segment. Here's why Indian investors are choosing index funds over ETFs despite the latter being a cheaper option.

A wife sought 4 lakh per month as maintenance for herself and the children at the Gurgaon Family Court. She also asked for 7.5 lakh as litigation expenses. The husband claimed that his annual income had fallen to 36 lakh with other liabilities.

Some stocks and mutual funds may remain in your portfolio despite prolonged underperformance. These zombie investments may no longer fit your strategy or goals. Here's how investors can spot warning signs and review whether such investments still deserve a place in their portfolio.

The simpler approach is to gift the money to your sister and allow her to invest it through an SIP from her own bank account.

We used an EPF calculator to calculate how a 30-year-old can potentially accumulate over 4 crore for retirement by contributing 12% of a monthly salary of 80,000.

Kotak Mutual Fund has highlighted passive investment opportunities amid market correction, spanning indices, commodities, sectors and themes. Heres what the fund house has suggested and how investors should approach this. 

NRIs cannot make fresh investments in Sovereign Gold Bonds but can continue holding SGBs bought while they were residents. They can invest in physical gold, gold mutual funds, e-gold and Gold ETFs, subject to applicable rules.

GST-registered taxpayers filing ITRs for AY 2026-27 need to choose the right form and ensure their turnover and income figures align with GST records. Heres what you need to know about ITR-3 vs ITR-4, turnover reconciliation, GST treatment, and common filing mistakes.

For employees with a substantial home loan, tapping into a portion of their EPF corpus may appear to be a useful option. The money can be used to reduce the outstanding loan, cut the overall interest burden and potentially ease monthly financial pressure.

NPS offers four asset classes and two investment options. While Active Choice lets you decide how your money is allocated, Auto Choice adjusts the allocation based on your age. Heres what you need to know about the available asset classes and allocation limits.

Young salaried investors with EPF may still consider NPS to add market-linked growth and diversify their retirement savings. Experts say starting early can help, but investors should build an emergency fund before significantly increasing NPS contributions.

Zerodha founder Nithin Kamath has raised concerns over the rapid growth of its MTF business, which now stands at 9,000 crore. While the facility boosts buying power, Kamath says it may not suit most investors and could pose risks if markets fall sharply.

A single estate may be subject to different legal regimes, resulting in succession complexities.

The Supreme Court ruled last week that a mother's income cannot solely justify reducing a father's financial obligation for child maintenance. Here's all you need to know about the case.

The RBI proposed clearer rules for banks and NBFCs on loan spreads and APRs to enhance transparency in borrowing. The draft intends to establish a unified framework by 2027, allowing better comparison of loan costs, including a ceiling on APR for small loans. 

Private credit is attracting investors with returns of up to 22%, but higher yields come with higher credit, liquidity, manager and valuation risks that investors must understand before committing.

A recent NCDRC ruling explains what happens when an LIC policy is assigned to a bank as security for a loan. The commission held that LIC was not at fault for surrendering the policy on the banks instructions after the loan remained unpaid.

A deceased person's income tax issues persist, requiring the filing of returns and the payment of taxes from their assets. Legal representatives must file returns until all taxes are settled, navigating disputes and uncertain heirship. 

Inheritance of assets does not incur immediate tax but it changes when you sell it later. Here's all you need to know about capital gains tax rules, available tax relief options and other details.

From October 1, 2026, resident individuals and HUFs buying property from NRIs can use their PAN to deposit TDS instead of obtaining a TAN. Until September 30, buyers must follow the existing TAN-based process, while TDS remains applicable from the first rupee.

Pune ITAT has ruled that a 65.21 lakh payout received by a Pfizer employee under a voluntary retirement scheme was a capital receipt and not taxable. The tribunal said Section 56(2)(xi) did not apply because the employee had voluntarily resigned under the scheme, rather than being terminated.

The Maharashtra cooperative court ruled that housing societies cannot impose higher maintenance fees based solely on property size or type, siding with residents who argued for equal charges. Full details of the case here. 

The RBI wants banks and NBFCs to follow clearer rules on loan spreads, rate revisions and APRs. The changes could make borrowing easier to compare, but may also push lenders to price risk upfront.

On August 27, MCX gold prices rose in India as uncertainty in Middle East continued to support safe-haven demand. Check retail rates of both gold and silver in your city here.

EPFOs Employees Enrolment Campaign (EEC) 2026 gives employers a one-time opportunity to enrol eligible workers who were missed from EPF coverage between April 1, 2009 and March 31, 2026. Employers can use the special window to regularise eligible employees until October 31, 2026.

Central government pensioners and employee associations want the 8th Pay Commission to reduce the 15-year commuted pension restoration period to 1012 years. They argue that changing interest rates, longer life expectancy and lower mortality have made the existing 15-year rule outdated.

Retirees can now benefit from a retroactive increase in leave encashment tax exemption from 3 lakh to 25 lakh, as ruled by the ITAT Chennai. Details here.

Mid-cap and small-cap funds offer different risk-return profiles, but how do they compare on alpha? Heres a look at benchmark-adjusted performance, negative alpha across schemes, and broader category trends.

Hybrid funds offer exposure to multiple asset classes through a single scheme. But how have different hybrid fund categories performed? Heres a look at the top and bottom performers based on 3-year SIP returns. 

Unexplained income can attract a steep tax burden. But the new Income Tax Act, 2025 changes the rules for voluntary disclosure and tax department detection. Heres what unexplained income means, how it is taxed, and what taxpayers need to know.

Gold, silver and equities have behaved differently across market cycles. A look at 26 years of data reveals how precious metals performed during equity downturns, their return patterns, and what their low correlation with the Nifty 50 TRI means for investors.

ITR-3 and ITR-4 filing deadline is 31 August for AY 2026-27. Salaried individuals may need these forms due to certain types of income. But if you filed ITR-1 or ITR-2 by mistake, should you file a fresh return now? Find out here.

Foreign tourists in India can now use their home country payment apps at local shops without needing a bank account. 

Gen Z has coined a new category in discretionary spending with 'fun funds'. Opting for experiences over planned purchases, the younger generation is inclined to splurge on art exhibitions,  travel, workshops, concerts, and more.

Taxpayers with business income face an August 31 deadline to file income tax returns for AY 2026-27. Over 6.5 crore returns, including 5.9 crore filed by July 31, have been recorded. Non-audit taxpayers can use ITR-3, ITR-4, ITR-5, ITR-6, or ITR-7 forms.

NRIs face special tax rules when selling property in India that differ from those for residents. TDS rates vary by capital gains type. Buyers must ensure proof of TAN acquisition and TDS payment for registration.

The e-Shram portal completes five years today, with over 31.89 crore registrations. Heres what workers should know about e-Shram eligibility, benefits, registration process and fees, and whether the card offers any direct financial assistance.

The Iranian rial has plummeted to over 2 million rials per dollar amid harsh US sanctions and the ongoing Iran-Israel conflict. 

At just 17, Aditya Bansal had no degree or professional portfolio, but Raj Shamani decided to give him an opportunity.

Until recently, families faced a frustrating, decades-old hurdle: the single-nominee limit. The Banking Laws (Amendment) Act, 2025, which came into force on 1 November 2025, changed that.

Radhika Gupta spoke about the importance of distinguishing between valuable possessions and sound financial investments. She identified the joker in an investment portfolio.

The 31 July ITR deadline for AY 2026-27 has passed, but taxpayers in other categories have more time. Key deadlines are 31 August for non-audit cases, 31 October for audit cases, 30 November for transfer pricing cases and 31 December for belated returns.