Factor-based index funds leverage specific filters to refine stock selection, balancing the transparency of passive investing with active management precision. Their strong performance over various timeframes highlights their potential for higher returns and lower risk in investment portfolios.

Obtaining an urgent loan in India is difficult for those with bad credit, as most lenders decline low-rated applicants. However, personal loans from alternative lenders can help, though they come with risks and higher interest rates. A repayment plan can also improve credit scores over time.

A flexi personal loan offers a pre-approved credit limit, allowing borrowers to withdraw as needed and pay interest only on the amount used. This flexible option is ideal for managing unexpected costs and may have higher interest rates, necessitating careful review of terms.

The CBDT extended the deadline for filing belated/revised income tax returns for AY 2024-25 from December 31, 2024, to January 15, 2025, for resident individuals.

The financial market offers diverse investment options, but not all are beneficial. Products like ULIPs, digital gold, P2P loans, whole life insurance, and NFOs may have high fees and risks, potentially harming investors. It's crucial to research and seek advice before investing.

Rebalancing a portfolio helps investors maintain their target asset allocation, manage risk, and enhance long-term returns. By adjusting holdings based on market movements, investors can stay aligned with their financial objectives.

As India approaches the 2025 Union Budget, the cryptocurrency sector seeks favorable tax reforms. Industry leaders advocate for reduced TDS, loss offsetting, and lower tax rates to stimulate growth and compliance, preventing capital flight to foreign exchanges

Income Tax Budget 2025: No official plans exist to abolish the old tax regime, but discussions continue. While the new tax structure offers lower rates, many taxpayers prefer the old system's deductions.

An emergency fund helps mitigate a financial emergency. It can be 3 to 6 months of monthly expenses. It is not prudent to rely on credit cards for emergency fund purposes. In the long run, you should build and maintain a separate emergency fund.

Credit cards: The customer is liable if an unauthorised transaction is due to negligence. Transaction will be reversed within 10 working days from the date of intimation by customer

When you do not have a credit history of payments or a credit score, it makes sense to apply for a secured credit card

Transferring assets within a family can trigger clubbing provision, but there are exceptions.

Experts suggest that an established fund with a long history of performance, which has undergone bull and bear runs and continues to adhere to its investment philosophy, is more suitable for investing.

Budget 2024 significantly changed capital gains tax, eliminating indexation benefits and raising rates. Experts expect minor adjustments in the next budget, with ongoing demands for rationalization aimed at benefiting long-term investors and aligning tax rules across asset classes

Credit score: If there are errors in your credit report (such as incorrect loan balances or missed payments recorded in error), you can dispute them with credit bureaus such as CRIF.

Personal loan: When the bank fails to resolve your complaint within 30 days, you can approach the RBI. And even if the bank has responded to your query, but you find it unsatisfactory you can still complain to the RBI under its ombudsman scheme.

To save taxes under the old income tax regime, individuals can invest up to 1.5 lakh in specified instruments under Section 80C. Additional benefits include health insurance and home loan interest deductions

Bank of Baroda has launched Bob Liquid Fixed Deposits, offering higher returns and easy liquidity. Depositors can withdraw partially without closing the entire FD, making it suitable for urgent financial needs while maintaining long-term savings

A property purchase from an NRI requires TDS deduction and a TAN. Without a TAN, one can still transact but must apply for it. TDS must be deposited by the 7th of the following month, with interest for delays, though penalties may not apply if justified.

Persistent challenges such as high interest rates, affordability gaps, and liquidity constraints continue to affect homebuyers.

Failing to have a Will could result in assets being inherited by persons you may not have intended or may be fragmented amongst multiple people

Confused about Hindu Undivided Family (HUF) units? This guide answers the most common questions about their tax advantages, formation, income types, and legal intricacies. Get expert insights on how to effectively manage your HUF for maximum tax savings and compliance.

Bombay High Court had given an interim relief by ordering the tax department to extend the revised and belated ITR filing deadline to January 15, 2025 to enable taxpayers to claim 87A tax rebate.

Quant funds are ideal for long-term investors, those seeking stability, and risk-averse individuals. Utilizing data-driven models, they offer diversification, consistency, and efficient risk management, but can be complex and depend heavily on the accuracy of their underlying data.

FD interest rates: On one-year deposits, the Federal bank offers 7 percent and 7.5 percent to general and senior citizens. On two-year deposits, the bank offers 7.15 percent and 7.65 percent to general and senior citizens.

Credit cards have become a necessity for managing expenses, offering convenience and flexibility. While they can help save money, users should be mindful of their spending to avoid debt. Explore the best credit cards for 2025 and stay updated with bank policies.

A will may be suitable for simple estates with straightforward asset distribution needs while a private family trust is ideal for managing substantial wealth. However, they complement each other and are usually used together.

Personal loans generally have higher interest rates and lower principal amounts, making it challenging to repay, especially for those earning Rs. 20,000. Various lenders offer loans up to Rs. 5 lakh, but evaluating finances and maintaining a good credit score is crucial to avoid debt traps.

EMI cards enable consumers to make big purchases by converting them into EMIs. They offer benefits such as cashback and zero down payment. However, users must be cautious of hidden fees and interest rates that can increase overall costs.

It is often emphasised by the experts that individuals should check their credit score on a regular basis in order to spot the mistakes if they arise

Typically, loans against credit cards carry a higher rate of interest but they are given as pre-approved loans

Here, we have also shown the growth of two other mutual funds -SBI Consumption Opportunities Fund and Tata MidCap Growth Fund--  wherein an investment swelled over 40 times in a span of 25 years  

In a dynamic financial landscape, striking the right balance among fixed income priorities requires strategic choices and a clear understanding of trade-offs.

In its latest guidelines, the RBI instructs banks to give borrowers the option to change floating rates to fixed rates on personal loans when interest rates are reset.

For 2021-22 and 2022-23, taxpayers can still file their updated income tax return by March 31, 2025.

As RNOR, only income that is received, deemed to be received, accrues, arises or is deemed to accrue or arise in India is taxable.

Mumbai couple Mufaddal Kagalwala and Sakina Gandhi enjoyed a white Christmas, traveling off-season across Hungary, Slovakia, Austria, and the Czech Republicall for under 3.5 lakh.

Tata Neu Infinity HDFC Bank Credit Card: The card gives up to 1.5% Neu Coins on UPI transactions. It also gives up to 5% Neu Coins on specified Tata brands. The card can provide good value on Tata brands by combining instant discounts, card benefits, and NeuPass benefits.

Retirement requires careful financial planning during working years. By saving and investing wisely, individuals can build a substantial corpus. The earlier one starts saving, the greater the benefits of compounding, ensuring a secure and fulfilling retirement free from financial stress.

Travel credit cards are ideal for frequent travellers seeking exclusive perks, offering rewards and cashbacks on various expenses. However, users should be cautious of unplanned spending to avoid financial burdens.

Financial literacy is crucial for loan success, enabling borrowers to comprehend terms, compare offers, and avoid pitfalls. It promotes responsible borrowing, enhances credit health, and empowers individuals to make sound financial decisions.

Student personal loans provide quick financial assistance for education and related costs without requiring collateral. While they offer flexibility, students should be cautious of higher interest rates and ensure they can manage repayments alongside their guarantor's financial situation.

While digitalisation has revolutionised the accessibility and administration of pension schemes in India, AI-driven predictive models can allow pension fund managers to make more informed decisions about investment strategies, risk management, and asset allocation.

Here we list out the key features and discounts offered by three major credit cards offered by Kotak Mahindra Bank

Ideally, credit score should be checked at least once in a year. There is a wrong perception that checking the score too often leads to an adverse impact on it

The essential documents required for personal loan application are three months salary slips, PAN card, Aadhaar, proof of employment, appraisal letter, among other details.

Some credit card operators give an option to cardholders to get the annual fee waived if you spend beyond a pre-defined threshold

Personal loan: When there is a wedding at home and one falls short of funds, one can rely on personal loan. One, obviously, can not postpone the wedding. The shortfall in funds can therefore be met via a personal loan.

Thailand recently launched a bunch of long-term residency options, including for remote workers and retirees. 

Experts from EY India outline changes the government could introduce in the Union Budget for 2025-26 to strengthen contribution from NRIs to Indias economic landscape.