Credit cards: As soon as you apply for an instant credit card, the bank carries out a soft credit check before giving an immediate approval. The card recipient, thereafter, can start using the credit digitally.

Personal loans: Stock prices of private banks are falling amid rising bad beds, particularly in personal loans and micro-credit sectors. RBL Bank & Axis Bank reported increased slippages, while Kotak Mahindra Bank's stock rose despite caution on loan quality.

By analyzing both assets and liabilities, one can obtain a clear picture of their net worth, which is crucial for determining how estate should be managed and distributed

Think of minor bank accounts like a piggy bank with additional perks like online banking.

As of now the two products of Bajaj Finance have been piloted on Airtel's app. By March, this number would go up to four. These products are business loan, gold loan, co-branded EMI card, and personal loan.

Overseas Investment Guidelines of the Reserve Bank of India provide the regulatory framework

Navigating the NRI taxation and double taxation avoidance treaties can be daunting. Here is a guide to maximizing tax benefits and avoiding pitfalls

Personal loans can help cover financial needs quickly. It's important to compare interest rates from various banks and maintain a good credit score to secure favorable terms. Borrow only what you can afford to avoid higher EMIs and debt traps.

Instant personal loans are influenced by credit scores, with higher risks and rates for lower scores. Scores above 650 improve approval chances. Consistent repayments and careful credit management are vital for better loan prospects.

The PM Vidyalaxmi scheme aims to assist meritorious but financially disadvantaged students in India by providing loans for higher education. Approved in November 2024, it covers admissions in 860 top institutes and benefits over 22 lakh students annually.

Paying credit card bills on time is crucial to avoid fees. SBI, India's largest bank, provides various credit cards and payment options, including online methods like NEFT and Paynet, as well as offline options such as over the counter and ATMs.

The government clarified that the RBI has not prohibited black ink on cheques, countering social media claims. The RBI has not specified ink colors for cheques, confirming that black ink is acceptable.

Credit cards can help you save money on grocery purchases through instant discounts, reward points and other benefits. You can further club these with the benefits of loyalty programs like Tata Neu NeuCoins, Amazon Pay cashback, etc. and further enhance your savings on grocery purchases.

The upcoming Budget 2025 may introduce a new Income Tax Act, as announced by Finance Minister Nirmala Sitharaman.

Personal loans can help with immediate financial needs but require understanding their life cycle for responsible management. Key stages include planning, application, approval, disbursement, repayment, and closure, each important for successful loan handling and credit improvement.

Investing in IPOs is appealing, but credit cards cannot be used as a payment method. Instead, investors can utilize ASBA or UPI. Using credit cards can incur high costs and affect credit scores if not managed properly, leading to financial stress.

Managing credit card bills can be challenging. Converting bills to EMIs provides immediate relief but may impact credit scores if payments are missed. It's essential to assess your financial situation before choosing this option, as it can lead to long-term commitments and additional costs.

This credit card enables credit on UPI through fixed deposit-backed virtual credit card. It also offers 1 per cent cashback on the UPI transactions

You will be required to deduct tax at source at 12.5% (plus applicable surcharge and cess) on the long-term capital gains when paying the non-resident individual.

Government efforts to reduce tax disputes for small taxpayers have not succeeded, with pending appeals increasing significantly. Experts suggest reforms, including personal hearings for complex cases, improved staffing, and stricter deadlines to expedite resolution.

Personal loans offer instant cash for financial needs with flexible repayment and quick disbursal. Minimal documentation, often just an Aadhaar card, simplifies the process. These loans cater to salaried and self-employed individuals, making them accessible for small amounts like 5,000.

Co-branded credit cards offer exciting discounts and exclusive reward points for loyal customers of specific brands. They enable smart spending but should be used cautiously to avoid overspending and financial burdens. Consider the best options for 2025 while being mindful of credit card risks.

India's taxation framework focuses on individual income. Unlike other nations that integrate family structures into tax laws, India's system remains limited

Credit cards offer rewards and cashbacks, enhancing lifestyle without overspending. However, they come with annual fees. Waivers may be possible through spending thresholds, negotiation, or using reward points. It's essential to use credit cards wisely to avoid overspending and hefty bills.

Can a single tax rate modernise Indias tax system? Examining its potential to simplify compliance, ensure fairness, and boost economic growth.

Understanding credit cards can turn ordinary spending into rewards. Pay bills on time, use multiple cards for diverse benefits, and track rewards carefully to maximize financial advantages while being mindful of risks.

Personal loans: Banks tend to rely on e-KYC for a variety of services such as for giving approval of an instant personal loan

Some believe the right time to get a credit card is as soon as start earning, whereas others opine that you should apply for it only some after you are financially sound

Mutual Funds: Varun Goel of Mirae Asset believes Budget 2025 will likely see no significant changes. He highlights a positive outlook for IT and pharmaceuticals, and suggests that both active and passive funds serve essential roles in investor portfolios amid market consolidation.

Personal loan: When you prepay the loan, you can save yourself from interest burden. Although prepayment leads to some additional cost, this is one time payment and may be lower than the total interest payable in future.

Under the Liberalized Remittance Scheme, Indian residents are allowed to remit up to $250,000 annually. Platforms like Vested Finance, INDmoney, and Appreciate have leveraged this provision to simplify US stock and ETF investments.

As rising asset prices create a sense of financial well-being, many fall prey to the psychological trap of over-spending. But by adopting strategies to stay grounded, we can harness the wealth effect without letting it derail long-term financial health.

Planning to sell your house? Certain furnishing and interior expenses may help reduce your taxable capital gains, provided they qualify as cost of improvement.

Employees' Provident Fund Organisation (EPFO) launched a new facility on January 18, allowing members to change personal details without employer approval.

The AIF will only lend to financial services companies and is targeting an internal rate of return of 11% to 14%.

Income Tax: The new tax regime has made traditional tax-saving investments like PPF and NSC less appealing, encouraging diversification into higher-return options. However, some experts still consider these instruments relevant for conservative strategies.

Fixed deposits are ideal for risk-averse investors, with some banks offering over 8% interest. Northeast Small Bank tops the list at 9%. 

EPFO has simplified the provident fund transfer process for employees changing jobs by removing the need for online claims to previous and current employers.

The Cabinet has approved the formation of the 8th Pay Commission to revise salaries of Central government employees and pensioners. The commission is expected to be implemented by January 1, 2026, benefiting nearly 50 lakh employees and 65 lakh pensioners.

Speaking at the 17th edition of Mint Annual BFSI Summit on Friday, the HDFC Pension CEO said while financialization kept pace over the past five years, financial planning hasn't.

The Roshans on Netflix: From Roshan Lal Nagraths soul stirring compositions to Hrithiks incredible dance steps, this close look into the family of the talented Roshans will inspire many entrepreneurs and investors.

The HSBC Taj Credit Card provides the rarest key to unlock a curated collection of benefits at IHCL hotels. These include exquisite stays, gourmet dining, exclusive access, bespoke experiences, etc.

Given Indias rapidly ageing population and increased life expectancy, Mohanty said pension plays an important role in supporting Indias financial ecosystem and challenges must be overcome to ensure adequate retirement security for all, he added.

In India, senior citizens over 75 are not required to file income tax returns for pension and bank interest. The IT Act offers various tax benefits, including higher exemptions and deductions for medical expenses, to support the financial well-being of elderly individuals.

Taking a decision to close a credit card when you are not using it should not be binary. There could be number of advantages of holding a card even if you are not actively using it. Let us understand what it means

Personal loan: Here we give three key tips which can help you grab a good personal loan deal improve credit score, opt for applying for a loan over a pre-approved offer on credit card, and work with a reputable employer

Business loans are designed to help companies with financial needs like expansion and equipment purchases. While they offer growth opportunities, the loan process can be daunting and entails risks such as high interest rates.

Personal loans can provide financial relief but come with risks like high interest and credit damage. It's crucial to analyse finances, compare lenders, and choose repayment terms wisely. A PAN card is essential for loan applications in India, serving as a key identifier for credit assessment.

Aadhaar card-based personal loans provide instant cash with less paperwork. They are available for individuals with stable income and good credit history. Borrowers should compare lenders to find the best rates and ensure timely repayments to maintain a good credit score.

What began as a brief stint in futures and options trading a decade ago has turned into a financial nightmare for this Bengaluru farmer. Here is his story