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Turning 30 without a credit history? First-time borrowers can build a healthy credit profile by starting with manageable credit, paying EMIs on time, maintaining low credit utilisation and monitoring their credit reports regularly.

Diwali 2026: For Bhai Dooj, brothers can support their sisters financial independence with gifts such as mutual fund SIPs, gold investments and other ways. The best choice depends on her needs, risk tolerance and financial goals.

Investors sometimes misunderstand the limits when making deposits in their child's public provident fund account. Here's how much each parent can invest for their child while keeping the annual contribution tax-free. 

Jeweller gold savings schemes let customers make fixed monthly deposits for a set period and redeem them for jewellery. Here's how they work, benefits, risks and what to check.

Diwali gifts from employers worth less than 15,000 in aggregate can be tax-free, but cash bonuses are taxable as salary. Here's how festive payouts affect your income tax, rebate eligibility and take-home pay under the new tax rules.

Your Money or Your Life presents a path to financial independence built on tracking the life energy behind income and spending, defining how much is enough, earning intentionally, and investing. 

RBI clarifies that existing CTS cheque books will remain valid after December 31, 2026, dismissing viral claims of new rules.

Gita Gopinath warned that the AI investment boom could face a market correction if companies fail to generate enough profits to recoup nearly $1 trillion in expected 2026 spending. 

HDFC, ICICI Prudential, Quant, Aditya Birla Sun Life and Franklin Templeton have revised the risk-o-meters of several mutual fund schemes in November 2026. Here's what has changed and what investors should check before making decisions.

Railway employees have sought a 69,000 minimum basic salary, 3.833 fitment factor, 6% annual increment and five promotions under the 8th Pay Commission. Their demands also include higher pensions, DA merger and faster restoration of commuted pension.

Uttar Pradesh is considering financial assistance of 50,000 for eligible women ahead of the 2027 assembly election. Here's what we know so far about the scheme.

Gold prices have fallen 24% globally from their January peak, but domestic rates are down only 20%. Higher import duty, rupee depreciation and unusually high premiums in January explain why Indian buyers have seen a smaller correction.

Gifts from specified relatives, including parents, are tax-free, while gifts from non-relatives are generally taxable if their total exceeds the prescribed threshold. Here's why you should still document the money transfer and declare it in ITR.

Diwali 2026 car purchase: Festive discounts may reduce the upfront cost of buying a car, but ownership brings recurring expenses. Buyers should estimate those costs, set aside emergency funds and consider depreciation to understand vehicles true long-term affordability.

Small-cap mutual funds topped equity categories over 10 years, but returns varied among the largest schemes. Quant Small Cap led with 24.98% SIP returns, while SBI and HDFC delivered less than 18%, despite managing over 40,000 crore each.

The Maharashtra State Road Transport Corporation will give 10,000 Diwali bonus to each of its 83,000 employees. It has also raised DA to 60% and announced 12,500 festival advance for eligible staff. 

ITAT Ahmedabad has deleted a 4.42 lakh penalty imposed on Nascent Info Technologies for misreporting income after disallowance of 7.16 lakh in delayed employees' PF and ESI contributions. The tribunal said disallowance alone does not establish misreporting.

Compare 10 lakh investments in PPF and NSC in November 2026. Understand their latest interest rates, maturity periods, investment limits, Section 80C deductions, taxation rules and returns to choose the right government-backed savings scheme.

Gold, silver prices today, 8 November: Check retail price of 18K, 22K and 24K gold and 999 Fine silver on Diwali 2026 in your cities Ahmedabad, Bengaluru, Chennai, Coimbatore, Delhi, Hyderabad, Kolkata, and Mumbai. 

A farmer secured relief in a 18.24 lakh land valuation tax dispute after the ITAT Surat directed the tax officer to examine the Departmental Valuation Officer's (DVO) report. Here's how the ruling could help land buyers challenge excessive stamp duty valuations.

The World Gold Council believes that while gold may be nearing an interim bottom, with three historical conditions already in place, the broader economic outlook supports a possible price recovery for the precious metal. 

Fake loan apps are targeting young borrowers with instant credit offers this Diwali 2026. Know how these digital lending scams work and follow five essential precautions to protect your money, personal information and financial security.

DA hike news: Uttarakhand government has approved a 3% increase in Dearness Allowance for state government employees, raising the component to 63% of basic pay, with effect from 1 July 2026. Here's all you need to know 

Buying gold and silver coins online this Diwali 2026? Check five important factors, including purity, weight, certification, seller credentials, festive discounts, pricing and return policies before ordering gold and silver coins through e-commerce and quick-commerce platforms.

Bank holidays next week: Check which six days public and private sector lenders including the State Bank of India and HDFC Bank will be closed for customers across different regions during the week 9-15 November. 

The 8th Pay Commission completed one year on 3 November 2026, with about six months remaining before its expected report submission. Check how central government employees' basic pay could change at fitment factors of 2, 2.5, 3, 3.5 and 4, with level-wise salary calculations. 

Diwali gifts worth over 50,000 from friends can attract income tax on the entire amount. CA Swati Jain explains the 50,000 annual exemption, tax rules for gifts from relatives and employers, and how recipients can avoid unexpected tax liabilities. Read on to learn more. 

ITAT Surat deleted a 2.45 crore capital gains addition after a landowner showed that he received only 25 lakh in the relevant year, despite 2.86 crore appearing in Form 26AS. The tribunal considered subsequent tax returns and co-owners' cases.

Exchanging old gold for new jewellery this Diwali? Check six things before accepting your jewellers offer, including gold purity, net weight, market rates, melting deductions, making charges and exchange terms to avoid losing money.

A Diwali salary bonus can do more than fund festive shopping. From strengthening insurance cover and preparing for upcoming expenses to boosting retirement savings and investing in skills, here are five ways to put the extra money to work.

Planning expensive Diwali purchases? Paying upfront could help you secure additional discounts, while no-cost EMI can spread payments. Compare processing fees, GST, cashback and credit card rewards before deciding which option saves you more.

The court clarified that an employee cannot claim pensionary benefits under Rule 49(2) merely because he has completed 10 years of qualifying service if Rule 26(1), which provides for forfeiture of past service upon resignation, applies to his case

Indian investors seeking overseas exposure through mutual funds have limited choices, with only one scheme accepting fresh SIPs. Three other international funds have suspended new investments and paused existing SIP instalments. Here's what investors should know.

Air pollution can aggravate respiratory illnesses such as asthma and COPD. Health insurance may cover hospitalisation, but policyholders should check pre-existing disease waiting periods, ICU coverage, room rent limits, restoration benefits and OPD add-ons.

The ruling highlights the importance of following due process before the tax authorities modify an already processed income tax return

SEBI's new settlement rules came into effect on November 7, 2026. The revised framework changes application fees, minimum settlement amounts and filing deadlines, while introducing fast-track options for eligible cases. Here's what applicants need to know.

Got a Diwali bonus of 10,000? Should you clear credit card dues or start a mutual fund SIP? Compare the interest savings from repaying high-cost debt with the potential returns from investing to understand which money move makes more financial sense.

A daily SIP of just 50 can help build a corpus of over 20 lakh in 25 years, assuming 10% annual returns. But how much can your money grow in 5, 10 or 15 years? Here's how investment duration and compounding can influence your wealth creation.

The Supreme Court has dismissed a curative petition seeking a pro rata pension for former Short Service Commission Officers (SSCOs). Here's what the October 2026 ruling means for Army veterans, pension eligibility and their long-standing demand for retirement benefits.

India Saves 2026 report shows that women are taking charge of household finances, Gen Z is saving for a home, while Gen X is focused on retirement. Here's a look at the habits, goals and choices across demographics 

Planning Diwali shopping with a credit card EMI? Check five hidden costs of no-cost EMI offers, including processing fees, GST on interest, lost instant discounts, foreclosure charges and credit limit impact, before converting festive purchases into monthly instalments.

The RBI has proposed tighter checks for banks classifying gold-backed agricultural loans as priority sector lending (PSL). It has also proposed changes to the treatment of bills discounted under letters of credit, which could increase banks' PSL requirements.

The Meghalaya High Court ruled that an Assam Rifles rifleman who voluntarily sought discharge after 13 years of service was not entitled to a pension. It however, directed authorities to release 5,656 to his IRLA account and 53,642 to his GPF account.

Moviegoers watching the Ramayana movie this Diwali weekend can save on BookMyShow ticket bookings through eligible bank credit and debit cards. Offers include buy-one-get-one-free deals and instant discounts.

Buyers have reportedly approached the Delhi High Court over NBCCs cancellation of bidding for 49 flats at its Avenue Towers project in Sarojini Nagar. They allege the cancellations were selective and question the auctions transparency. 

Buying gold or silver Lakshmi-Ganesha idols for Diwali puja? Know whether these idols fall under mandatory BIS hallmarking rules, how to verify HUID through the BIS Care app, and what to check about purity, weight, workmanship and making charges before purchase.

RBI's new gold loan rules introduce higher loan-to-value limits for small borrowers, transparent gold valuation and stronger auction safeguards. Understand the revised repayment conditions, jewellery return deadlines and compensation rules before pledging gold.

Pay Commission: West Bengal's 7th panel will cover non-teaching staff of state-aided universities and education boards and examine their existing pay structure and service conditions. Here's all we know 

The Jaipur ITAT deleted a 24.06 lakh unexplained income addition after accepting a gift from the taxpayer's grandmother. Find out why land records, loan repayment evidence and an affidavit helped establish the source of funds.

Gold ETF folios surged 164% in three years, outpacing large-cap mutual funds. A recent study flags investor FOMO amid the gold rally and cautions against deviating from the recommended 5-10% gold allocation in portfolios.