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Dearness Allowance is a percentage of employees' pay aimed at helping households manage the increased cost of living. For calculation purposes, it is separated into two categories: industrial and variable DA.

A 40 lakh home loan at 9% instead of 10% could save borrowers 2.63 lakh over 10 years, 6.27 lakh over 20 years and 10.50 lakh over 30 years. Here is a breakdown of monthly EMIs, interest costs and repayment strategies. 

Gold and silver prices today, 12 October: 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.

8th Pay Commission: Demands for a higher fitment factor as Dearness Allowance (DA) rises to 60%. Here is what employee unions are seeking regarding salary revisions, minimum basic pay, DA merger and pension changes.

Retail investors lost an estimated 2.3 trillion won on leveraged products tied to Samsung Electronics and SK Hynix between May and August. Daily resets can magnify losses over time, especially during volatile markets. 

If your portfolio is in the red, a narrow focus on Indian equities and mutual funds could be one reason. Comparing returns across Indian and US equities, gold, real estate, and debt over different periods shows why diversification matters and how market leadership changes over time.

A  mutual fund SIP can help you build wealth over two decades, but what happens when you increase your contribution every year? We compared how a 10% annual step-up could have changed the final corpus across top five equity funds, using a 1,000 monthly SIP as an example.

Air India has offered students a flat 10% off on domestic base fares for a limited time period, with additional baggage allowance and a complimentary date change available through Air Indias year-round student programme. Here's all you need to know 

Looking to diversify your portfolio through international mutual funds? Fresh investment options remain limited, with fund houses imposing different restrictions on SIPs and lump-sum investments. Heres what investors should know before putting money into overseas-focused FoFs.

Discussing public and private market strategies during market downturns, ace investor Renuka Ramnath noted private equitys boardroom influence and crisis management; while Nilesh Shah stressed bargains created by public-market sell-offs. 

Planning to get GST registration or update your existing details? The government has outlined changes to the registration and amendment process in 57th GST Council meeting, including simpler online procedures. Here is what taxpayers need to know about the application process. 

A joint FIDCTransUnion CIBIL report says NBFCs are the main entry point to formal credit for many first-time borrowers. As of June 2026, 74% of live new-to-credit customers had used only NBFC credit, reflecting lenders reach and role in expanding access.

Indian residents earning income abroad may need a Tax Residency Certificate to claim benefits under tax treaties. The Income Tax Department allows eligible taxpayers to apply online under the Income-tax Act, 2025. Heres how Form 42 works, who can apply and what to know before filing.

Writers can use Amazon KDP to publish books without paying upfront publishing fees. Authors choose pricing and royalty options, can promote their books with Amazon Ads and can track sales.

Fixed deposits offer predictable returns, but taxes can reduce the interest you retain. A latest report compares FD rates across large banks and tenures. Heres how to understand pre-tax and post-tax returns, FD taxation rules, and what a 5 lakh deposit could earn.

Ekta Kapoor shares her views on The Ranveer Show podcast on real estate investments. What can investors learn about building wealth through homeownership, and why should they look beyond property appreciation? Here's what you need to know. 

India is set to add 10 crore long-term investors by 2035 as wealth creation expands to tier 2 and 3 cities. Today, we discuss what steps investors aiming to build long term wealth should take to gain financial capability. 

Holding cash can provide comfort when markets are uncertain, but keeping too much on the sidelines can hurt long-term wealth creation. Heres how to decide what to hold and what to invest.

The 8th Central Pay Commission will meet stakeholders in Mumbai on 2223 October 2026 as it considers changes to pay, allowances, pensions and benefits for central government employees and retirees. 

Artists may not need millions of followers to earn a living. Kevin Kellys 1,000 True Fans theory suggests that 1,000 dedicated supporters.

The EPFO wage ceiling has been raised to 25,000 a month in September 2026, bringing more employees under mandatory social security coverage. But how does this affect EPS pension eligibility, employer contributions, and employees who may not qualify for membership? Heres what to know.

Dearness Relief (DR) is an inflation-linked benefit paid to eligible retired central and state government employees and other public-sector pensioners. It is not generally offered in the private sector. 

Contra funds look for opportunities, which the market might be ignoring. However, fund managers approach contra investing with their own filters. 

Indian mutual funds offer investors a way to access overseas stocks without opening an international brokerage account. Edelweiss Technology Fund led domestic equity schemes with a 24.38% international allocation.

No-cost EMI offers can hide extra expenses, despite being advertised as interest-free. Here's what customers should know before they opt for this route.

Who pays tax on bank FD interest after a parents death? Understand income tax rules for inherited fixed deposits, interest earned before and after death, legal heirs responsibilities and filing the deceased parents income tax return to avoid reporting errors.

SBI has warned bank customers about the jumped deposit scam, in which fraudsters exploit unexpected bank credits to trick victims into approving high-value UPI payments. Learn how the scam works, recognise warning signs and protect your bank account from digital payment fraud.

Blocking a debit card may not stop recurring subscription payments if the e-mandate remains active or is mapped to a replacement card. Here is how card mandates and UPI AutoPay work, and what customers should do to prevent unwanted debits.

Planning to buy a 1 crore house? An 80 lakh home loan at 8% interest over 20 years means an EMI of around 66,900 a month. Check the monthly salary you need, how loan tenure affects repayments and how to avoid stretching your finances while buying a home.

Before renewing health insurance, review five key numbers: sum insured, annual premium, room rent limit, co-payment and deductible. Check waiting periods, no-claim bonus and network hospitals too, so your health insurance policy continues to meet your needs and budget. 

Irdais unusually candid data exposes perverse insurance incentives. But with the government owning major insurers, the real test will be whether the final rules deliver meaningful reform.

The proposed UPI MDR framework sets charges for certain merchant payments above 2,000. Here's whether consumer prices at stores will rise if merchants start paying a nominal fee. 

Car loan interest rates start at 7.35% across 18 lenders, according to Paisabazaar data. Compare car loan EMIs on 5 lakh over five years, processing fees, interest-rate concessions and repayment costs before choosing a lender in October 2026. 

The Delhi High Court has ruled that retirement savings cannot be treated as recurring monthly income when deciding interim maintenance. Courts must consider pension, investment returns, reasonable expenses and the financial circumstances of both spouses.

The US has suspended Microsoft, Infosys, Tata, Wipro and other companies from the PERM labour-certification programme. Here's what it means for Indians returning home.

The Delhi ITAT deleted a 20.45 lakh addition for unexplained family jewellery, ruling that CBDTs seizure guidelines cannot automatically cap how much gold a taxpayer can explain. The tribunal considered the familys income, financial position and customary practices.

Company FD rates vary across issuers and deposit tenures. Muthoot Capital Services offers up to 8.95%, followed by Manipal Housing Finance Syndicate at 8%. Compare interest rates across 10 companies and learn 5 checks to make before investing in corporate fixed deposits.

Gold has fallen sharply in 2026 amid rising US bond yields, a stronger dollar, inflation concerns and investor profit-taking. Central-bank buying.

Today, we take a look at how EPF subscribers can transfer their old provident fund collection to a new account, how to merge their PF accounts and what to do if they have multiple Universal Account Numbers (UANs).

FIRE aims to help people retire early through high savings, disciplined spending, and long-term investing. Strategies should be tailored to personal goals and account for inflation, healthcare costs, taxes, and unexpected expenses.

The government has withdrawn the upfront IGST exemption for banks and nominated agencies importing precious metals. Since 1 April 2026, these imports have been subject to a 3% customs levy.

HDFC Pensions study found retirement savings targets are growing, but remain below recommended levels, while healthcare costs and medical concerns remain major retirement worries. Here's how much you may need to save 

Tata Consultancy Services will withhold quarterly variable pay from senior employees at C3A grade and above after missing internal performance targets. Junior staff will receive their full eligible pay, as per a report. 

In Die with Zero, Bill Perkins encourages people to spend purposefully on experiences that create lasting memories. He recommends planning activities for the right stages of life, giving money when loved ones can use it.

Meghalaya plans to constitute its Sixth Pay Commission, with a formal announcement of its chairperson and members expected within two weeks. The panel will review pay, allowances, benefits and service conditions for state employees and pensioners.

DA news: The Telangana government has approved release of two dearness allowance and dearness relief installments for state employees and pensioners across cadres. Here's all we know about the development 

Dividend income is taxable, and tax may be deducted at source above a specified threshold. Investors can consider growth-oriented investments, where returns are taxed as capital gains when sold, and should avoid borrowing to invest for tax benefits.

The 8th Pay Commission has received a proposal from IRTSA for graded fitment factors ranging from 2.92 to 4.38 across pay levels. Railway technical supervisors also want a 5% annual increment and changes to minimum-pay calculations. Read on to know more. 

Consumers will not pay extra for UPI transactions when a new merchant discount rate takes effect on October 15. Merchants will pay a 0.4% fee on qualifying payments above 2,000, capped at 300, and cannot pass the charge on to customers.

About 13% of Policybazaar customers pay health insurance premiums in monthly or quarterly instalments, with an average annual premium of 17,500. Here's how the model works and what customers should know before opting for it.