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NPS subscribers could benefit from greater exposure to AIFs, REITs and InvITs as pension funds explore alternative investments. SBI Pension Funds MD & CEO Pranay Ranjan Dwivedi explains the potential returns, suggested allocation and risks.

Motor insurance rules change from December 15, 2026. Car and bike owners must check five things before renewal, including mandatory covers, passenger protection, personal accident insurance, own-damage cover and separate premium disclosures.

The development has triggered concern among bullion dealers, jewellery manufacturers and traders, particularly because the adulterated gold can appear similar to genuine gold during initial inspection.

Gold and silver prices have risen since Dhanteras 2025, with silver marginally outperforming gold. Find out what 1 lakh invested in either metal last year would be worth on 4 November 2026, using the latest IBJA rates, and calculate your investment gains.

Sahara depositors awaiting refunds can check their CRCS claim status online, track rejected or pending applications and correct errors through the resubmission portal. Here's how to check refund status using Aadhaar and what to do if payment is delayed.

Before making the final payment for gold and silver purchases this Dhanteras and Diwali, check your bill for weight, purity, per-gram rate, making charges and GST. Experts explain how to verify BIS hallmarking, spot hidden charges and avoid misleading billing practices.

Your 20s are the best time to build strong money habits. From saving regularly and creating a 612-month emergency fund to starting investments early, here are five things to do with your salary and three financial mistakes to avoid to secure your financial future.

In a year of widespread layoffs and uncertainty, it's wise to strengthen your finances before spending on expensive stuff. Here is what finance experts have to say.

Several banks have revised FD interest rates in November 2026 following the RBI's 25 bps repo rate hike. Compare the latest rates offered by Kotak Mahindra Bank, Axis Bank, Canara Bank, Suryoday SFB and Utkarsh SFB for general customers and senior citizens.

Ahead of Dhanteras, Instamart has partnered with Kalyan Jewellers to offer the first 1,000 customers each day buying a gold coin a free 1-gram silver coin gold and silver coins. Check offers for online purchases 

From 15 December 2026, car and two-wheeler owners will get four clearly defined motor insurance cover options. IRDAI mandates a customer option form and transparent premium disclosures, helping buyers understand available protection and make informed choices.

Investors often pile into funds, sectors and markets after strong returns. But as the Millennium Bridge showed, individually sensible decisions can become risky when everyone makes them together.

Despite golds promising long-term returns, experts generally recommend limiting its allocation to 10%-15% of a portfolio.

Gold rate today Coimbatore Nov 4 Wednesday: Up or down? Latest price for investors ahead of Dhanteras, Diwali 2026. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata and Mumbai.

Amid the growing debate over LTCG tax relief on equities, SBI Research suggested a level playing field between equity investments and bank deposits. It has proposed tax relief on savings account interest to make bank deposits more attractive to savers.

One year after its commission, the 8th Pay Commission has completed 66% of its tenure. Its ToR indicates that employees and pensioners can expect final recommendations, the fitment factor and the revised pay structure soon. 

Festive deals and small monthly payments make big-ticket purchases easier, but stacking EMIs can strain cash flows, erode savings and hurt future borrowing prospects.

Gold and silver prices declined in India on 4 November, ahead of Dhanteras and Diwali 2026. Check the latest retail rates of 24K, 22K gold and 999 fine silver across major cities, along with domestic and international market trends.

The Ministry of Railways has approved a 30-day non-productivity-linked bonus for FY 2025-26. Here are the eligibility conditions, the calculation formula, the 7,000 monthly calculation ceiling and the special provisions for employees across different service categories.

The Punjab HC issued a contempt notice to the state Chief Secretary and directed to file a compliance affidavit within 10 days regarding the non-compliance of the High Court's earlier order. The next hearing on November 17.

PFRDA has revised NPS scheme naming rules, removing category codes from MSF scheme names while requiring separate risk-category disclosures. It has also clarified how PoPs must display pension fund schemes during subscriber onboarding. 

An Income Tax search uncovered 8.66 crore in cash transactions on a woman's computer, triggering a massive tax demand. But ITAT ruled that the expenditure belonged to a real estate company, not the woman, and deleted the tax addition.

Many consumers may not know how to distinguish genuine gold from jewellery containing a higher proportion of other metals. While professional laboratory testing remains the most reliable way to establish gold purity, certain simple checks at home can help identify possible irregularities

PNB and Canara Bank have revised their fixed deposit interest rates from November 1 and 2, 2026, respectively. The changes affect select tenures and returns for general customers and senior citizens, while Axis Bank has also revised rates on bulk deposits of 3 crore and above from November 3.

Small-cap mutual funds offer growth potential but carry high risks. Experts recommend allocating 10-20% of equity portfolios to small caps, depending on risk appetite and investment horizon, while preparing for sharp market corrections.

While hallmarking provides an important means of verifying the purity of precious metals, consumers should not rely solely on the appearance of a silver coin. There are several simple tests that can offer preliminary indications of whether a silver coin is genuine.

The demand comes after two High Courts, in separate judgments delivered within 18 months of each other, declined to shorten the existing restoration period.

Physical gold and gold ETFs have different capital gains tax rules. While gold ETFs qualify for LTCG taxation after 12 months, physical gold requires a 24-month holding period. Compare tax rates, GST and other costs before investing on Dhanteras 2026.

Silver ETFs have outperformed gold ETFs over one and three years, according to Value Research data. However, gold has proved more resilient during the recent correction. Here are the top-performing ETFs and five risks investors should check before investing.

A music label may own the copyright, but a composer's moral rights can survive its transfer. Here's when heirs can demand credit or challenge a distorted remix.

According to Tanishqs official website, gold prices across different purity categories increased on November 3, compared with the previous day.

The 8th Pay Commission completes one year on 3 November 2026. From its constitution and stakeholder consultations to employee demands and the fitment factor debate, here are five key developments and what central government employees and pensioners can expect on salary and pension revision.

Gold fell 542 per 10 grams and silver 875 per kg from AM to PM on November 3, according to IBJA. Ahead of Dhanteras and Diwali, here's what's driving the precious metals correction and what buyers and investors should consider.

Buying gold and silver coins on Blinkit, Zepto and Instamart can be convenient this Dhanteras. But before ordering, check the seller, purity, weight, certification, final price and refund policy. Here's how to buy precious metals safely online.

All gold and silver ETFs posted negative returns for the second consecutive month in October 2026, with negative category average returns of 5.22% and 17.16%, respectively. Should you invest this Diwali? Experts discuss investment horizons and whether gold or silver is a better bet.

Zerodha has raised its daily instant withdrawal limit from 2 lakh to 5 lakh and extended the facility to 9 am-6 pm, including weekends and market holidays. Here are the new withdrawal rules, eligibility conditions and processing limits investors should know.

SEBI has recommended exempting mutual fund switches from capital gains tax if units are held for more than a year. Experts explain what switching means, how it is taxed under current rules, which transactions could qualify and how the proposal may benefit investors.

8th pay commission: Delayed implementation could lead to retrospective salary and pension payments from 1 January 2026. Arrears may vary by pay level, fitment factor and delay, but are not guaranteed until confirmed by the Centre. 

Silver ETFs have corrected sharply as speculative positions unwind and bond yields rise. Here's what drove the fall, what could shape the outlook and how investors should approach the metal.

Gold, silver prices today, 3 November Coimbatore: Latest price movement today for investors ahead of Dhanteras, Diwali in Isha city. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata and Mumbai. 

Gold, silver prices today, 3 November: Latest price movement today for investors ahead of Dhanteras, Diwali in Chennai. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Ahmedabad, Bangalore, Coimbatore, Delhi, Hyderabad, Kolkata and Mumbai.

Gold and silver prices fell 1% and 2.64%, respectively, in Kolkata on 3 November. Check the latest retail rates across gold purities and silver categories in the City of Joy, along with recent price trends, as buyers prepare for Dhanteras and Diwali 2026.

Bangalore gold and silver prices: Gold and silver prices declined in Bangalore on 3 November 2026, tracking weakness in the domestic bullion market. Check the latest rates for different gold purities and silver categories in India's Silicon Valley. 

Diwali is a time for giving, but finding credible organisations can be daunting. Here's how to identify genuine causes, choose how to contribute and plan your donations.

Looking ahead, we can be almost certain of additional increases in repo rates and the consequent hikes in cost of loans. We should factor in the uncertainties while making decisions around our future financial commitments.

Following the RBI's October 2026 repo rate hike, how do FD interest rates stack up now? Find out which banks are offering the highest returns and how PSU bank rates compare with private lenders.

The Union Cabinet raised the dearness allowance for central government employees and pensioners by 3%, from 60% to 63% of basic pay, effective 1 July, ahead of Diwali. Here are the other states that have also hiked DA amid the festive season.

The RBI has simplified EDF compliance for resident individual service exporters and introduced a 10 lakh threshold for other exporters. It has also revised IDPMS reporting requirements for service imports. Here's what the new FEMA amendment means for freelancers and other exporters. 

The Delhi ITAT deleted 1.13 crore in tax additions after accepting that 3.9 kg of jewellery found at a man's home belonged to his late wife and three married daughters. The ruling highlights how families can establish ownership of gold through supporting evidence.

Life Cycle Funds automatically shift investments from equity to debt as the target date approaches. Here is how these mutual funds work, who should invest, how to choose the right maturity period and the risks investors must consider.