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Indias income pyramid is shifting rapidly, with millions of households moving into higher-income brackets. As earnings rise, spending patterns, savings, and investment behaviour are also changing. 

Benjamin Grahams The Intelligent Investor advises on understanding investments through careful examination. Check out these 5 simple money lessons from the celebrated book.

The clarification comes ahead of the revised UPI fee structure, which is scheduled to take effect from October 15. Under the new framework, a 0.4% MDR will be applicable to certain direct account-to-merchant-account UPI payments above 2,000, with the fee capped at 300 per transaction

Mutual fund investors cannot always rely on a schemes category to determine capital gains tax. The actual portfolio allocation and tax classification can change the holding-period threshold and tax rate. Heres what investors should check before redeeming.

National pension scheme: The NPS Vatsalya Scheme allows children below 18 years to partially withdraw funds from their accounts under certain circumstances. We take a look at the process and how it works

Large & mid-cap funds offer investors a single-fund route to large and mid-cap stocks. But how do their returns compare with pure large-cap and mid-cap funds, and what does their portfolio allocation reveal about the differences?

A promotion often leads to lifestyle creep, where increased spending diminishes savings. Check the importance of examining expenses post-promotion to maintain financial discipline.

Indian bond yields have crossed 7%, raising the question of where debt investors should look. Axis MF favours the 35-year segment, particularly high-quality corporate bonds and select SDLs, while remaining cautious on long-duration debt amid oil, inflation, and global rate risks.

The commission's three-day visit to Chandigarh from September 16-18 will focus on employee and pensioner issues. Here's a look at what's on the agenda for meetings with representatives from Punjab, Haryana, Himachal Pradesh and the UT of Chandigarh.

UPI will remain free for all person-to-person transactions, merchant payments up to 2,000, and for small merchants, as per the NPCI's MDR framework. The organisation said it aims to promote digital payments and ensure UPI's sustainability.

By reserving a fixed percentage of income immediately, individuals can reduce reliance on discipline and make spending decisions more manageable. Check all 8 tricks. 

UPI remains free for person-to-person payments under new MDR rules. Here's what changes for merchant payments and what it means for users like you and me.

Rapido has been fined 10 lakh by the CCPA over prompts that allegedly nudged riders to pay more before rides were confirmed. Heres what the regulator found, how dark patterns can influence spending and what consumers should check before agreeing to pay extra.

The government is stepping up efforts to improve pension awareness and retirement planning in rural India through a network of Pension Sakhis. The community-led initiative aims to bring pension information and support closer to households and encourage greater focus on long-term retirement security.

NPCI today announced merchant discount rate on select UPI transactions, effective from October, while keeping UPI free for consumers. It said that MDR of 0.4% will be applicable on P2M UPI payments above 2,000, capped at 300 per transaction.

UPI transactions up to 2,000 stay fee-free under a new Finance Ministry notification, covering 96% of volume. Regulators are weighing a ~0.4% charge on larger merchant (P2M) payments, with banks getting 40% of the proceeds. P2P transfers remain free regardless of transaction value.

Mid-cap mutual funds continue to see strong investor interest, supported by earnings growth, domestic demand and the formalisation of the economy. But with valuations above historical averages, fund managers caution that stock selection and diversification are crucial.

Central government employees and pensioners are anticipating a dearness allowance hike during this festive season. With inflation rising and past trends favoring Diwali announcements, a 3-4% increase is expected based on recent AICPI-IW data.

Mutual funds changed their exposure to several large-, mid- and small-cap stocks in August 2026. While buying was spread across market segments, find out which stocks saw the biggest increase and decrease in mutual fund holdings during the month.

UPI and Services Steering Committee is set to soon decide on the merchant discount rate for UPI transactions above 2,000. Here's a look at the issues that are up for discussion 

As an non-resident for tax purposes, one is generally taxable in India only on income that is received or deemed to be received in India, or that accrues or arises, or is deemed to accrue or arise, in India.

Bharat Pensioner Samaj has asked DoT to allow provisional family pension to widows and widowers for up to 6 months while their regular claims are processed.

Can Indians continue PPF and NPS Tier II after settling in the US? A tax expert explains residency rules, KYC updates, FD redesignation, tax implications and why NRIs should review Indian investments before withdrawals or transfers.

India has no comprehensive law for managing a persons finances and property after they lose mental capacity. A combination of a private trust, living will and healthcare nomination may offer the closest workaround.

Having both a personal health insurance policy and employer-provided cover can help when a large hospital bill exceeds the first policys coverage. Heres how policyholders can use the second policy for the remaining eligible expenses.

Not every index fund tracking the same benchmark delivers the same investor experience. Experts say investors should look at persistent tracking difference and tracking error before switching, rather than chasing short-term returns or the lowest expense ratio.

8th Pay Commission news: Central government employees and pensioners seek salary and pension revisions every 5 years instead of 10. Know why unions want shorter pay cycles, inflation-linked reviews and a permanent wage review body.

Delhi ITAT condoned a 2,073-day delay after a taxpayer said reassessment notices were sent to his old address. The tribunal also deleted an 11 lakh addition after the taxpayer explained the cash deposit through property sale proceeds and past savings.

Broader equal-weight funds have outperformed their market-cap-weighted parents in recent months, but the strategy can also mean greater mid- and small-cap exposure, sector shifts and higher concentration in narrower indices.

Higher debt allocations have historically helped reduce the impact of market falls, but they also came with lower return potential. FundsIndia Research data shows how investors can balance portfolio volatility against long-term returns when deciding their equity-debt mix.

Compare personal loan interest rates in September 2026 from prominent private banks, including Axis, HDFC and ICICI. Check five-year EMI calculations, processing fees and key factors borrowers should consider before applying.

Small-cap funds continue to attract strong investor inflows, but historical data shows that sharp corrections are a regular part of the journey. FundsIndia data shows the Nifty Smallcap 100 has seen falls of more than 30% far more often than the Sensex.

With the repo rate already 125 basis points below its post-COVID peak of 6.5%, borrowers face a key choice: pay for stability now or stick with floating rates?

Ignore panic-selling during a price correction, and resist the temptation to churn your portfolio for better returns during a time correction. Stick to your asset allocation and invest consistently.

Gold and silver prices today, 15 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.

The EPF Scheme 2026 allows the government to temporarily reduce or defer employee and employer PF contributions for up to three months during a pandemic, endemic or national disaster. 

8th Pay Commission salary hike explained: Here's how much basic pay for central government employees will increase under fitment factors of 3.83 and 4.0, with examples across pay levels.

The Madras HC has ruled that a mothers remarriage cannot by itself deprive her daughter of inheritance in her late fathers joint family property. The court said the old legal disqualification applied to the remarried widow only.

Despite the high cost of living in Hong Kong, Sharma and her husband manage their finances effectively, benefiting from higher incomes and lower tax rates. 

Multi-asset funds saw AUM surge 487% to 2.07 lakh crore in three years, compared with 115% growth for flexi-cap funds. But should investors hold both, switch to multi-asset or choose only one? Experts explain the key factors to consider.

US companies are using funds got from the tariff refunds to offer sale deals, customer discounts, lower prices, and make employee 401(K) contributions, besides sharing the temporary windfall with vendors. 

Gold has delivered strong returns in recent years, but its long-term history shows that investors may also face extended periods of subdued performance. Heres what the latest data suggests about golds return potential and how investors can estimate long-term returns by factoring in inflation.

FAST-DS 2026 allows eligible taxpayers to voluntarily disclose certain undisclosed foreign assets and income. But can it cover unreported overseas crypto? The rules depend on where the crypto is held, how it was acquired and whether the taxpayer meets the schemes conditions.

Investing requires careful evaluation, warns Srikanth Matrubai, founder and CEO of SRIKAVI WEALTH. He gives 5 rules for personal finance.

A premium phone upgrade can become a planned financial goal instead of a sudden expense. Here's how much you may need to set aside every month, how resale value can lower the burden and what to consider before choosing an EMI.

Delhi Building Workers Health Scheme: The Delhi LG has approved the health scheme for registered building and other construction workers and their eligible dependent family members. Here's all we need to know 

Compounding transforms 30 lakh invested over 30 years into 5.23 crore, with the first crore achieved after 13 years. Check how your investment, lump sum or SIP, jumps because of the power of compounding.

The 8th central pay commission's recommendations are expected to benefit over 1 crore central government employees and pensioners. Check how much salary hikes they can likely get from fitment factor of 2.57 or 3.83.

Small-cap funds have seen strong investor interest, but returns and volatility have varied sharply across the largest schemes. The top 10 funds by AUM are compared to see which delivered the strongest three-year and five-year returns and how their volatility stacked up.

DA update: Today, we explain how dearness allowance is calculated for central government employees and pensioners; and why the All India Defence Employees Federation is demanding that the formula be updated.