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How to reapply for personal loan if rejected and whats the process?

If you face a rejection, it is important to understand the underlying causes and how to recover.

19 Apr 2026 11:11 pm
Claiming grandparents fixed deposits after death: What to do without a will

Grandchildren might be uncertain of their legal standing or mistakenly believe that only the most immediate surviving heirs are entitled to the funds

19 Apr 2026 10:10 pm
What great minds like Benjamin Graham and Warren Buffett think about investingtimeless lessons you shouldn't ignore

We explore top 20 investment tips from the 17 best investors of all time, including Warren Buffett, Benjamin Graham and Peter Lynch. Here are some timeless investment lessons you should not ignore:

19 Apr 2026 7:04 pm
ITAT cancels employee's 10 lakh penalty for non-disclosure of ESOPs in ITR. Here's how you can avoid the same mistake

An employee was fined 10 lakh for not disclosing ESOP shares in his income tax return. The ITAT Chennai canceled the penalty, citing that the omission was accidental and there was no intent to conceal income, as the shares were already taxed.

19 Apr 2026 5:29 pm
Sriram Finance revises fixed deposit interest rates from 6 May Check details here

Sriram Finance has revised its fixed deposit interest rates effective 6 May 2026, following upgrades to its credit ratings by CARE Ratings, CRISIL Ratings, ICRA, and India Ratings. Here's all you need to know:

19 Apr 2026 4:09 pm
Salary arrears, pension or FNF increasing your income tax liability? Here's which form to use to reduce tax burden

The I-T department has replaced the old Form 10E with the new Form 39 for taxpayers to claim relief on salary arrears and specified receipts under Section 157(1) of ITA 2025. Here's all you need to know

19 Apr 2026 2:39 pm
I asked ChatGPT and Gemini how much home loan I can afford on 79 lakh income. The answer wasnt what I expected

I asked ChatGPT and Gemini what how much home loan i can afford on a 7-9 lakh salary. Here's what advice the chatbots gave me

19 Apr 2026 12:32 pm
Sovereign Gold Bonds: Investors can avail early redemption for this SGB series tomorrow; here's how much you gain

The RBI has announced premature redemption for Sovereign Gold Bonds on 20 April 2026. Investors stand to gain over 200% from their initial investment, benefiting from both capital appreciation and 2.5% annual interest during the holding period.

19 Apr 2026 12:01 pm
ITR Filing 2026: NBFC, HFC fixed deposit interest must now be declared under schedule OS Here's what changed

New ITR forms for AY 2026-27 require investors to disclose NBFC, HFC and corporate fixed deposit interest under Schedule OS. Here's what you must report before 31 July 2026.

19 Apr 2026 9:03 am
Building wealth for your family is only half the job. The other half nobody does.

Decades of disciplined investing can unravel overnight if families cannot locate accounts or understand succession rules. A Will and a simple financial map can prevent chaos.

19 Apr 2026 7:00 am
Balanced advantage funds move in sync with marketsbut not in the same way

Indias top five BAFs in terms of investor assets cut and add equity through the cycle, but differences in models drive sharp variation in timing, range and conviction.

19 Apr 2026 7:00 am
Akshay Tritiya 2026: 31% Indians feel cheated buying silver; 93% back mandatory hallmarking, reveal survey

A survey reveals that 31% of consumers feel cheated when buying silver, with 93% supporting mandatory hallmarking to ensure purity and quality of silver products.

19 Apr 2026 5:45 am
DA hiked by 2%: Salary boost for govt employees - How much more will you take home?

The new DA hike of two per cent is an increase over the existing rate of 58 per cent in the Basic Pay. The hike now takes the Dearness Allowance to 60 per cent.

18 Apr 2026 8:26 pm
Buying products on low-cost EMIs? Here's how it can burn a bigger hole in your pocket in long run

Lower EMIs mean paying less immediately but losing much in the long run. Here we explain how.

18 Apr 2026 6:55 pm
Tax clearance required every time you leave the country? PIB fact checks viral claim

Under Section 230 (of the Income Tax Act, 1961), tax clearance certificates are not mandatory for all individuals, said PIB

18 Apr 2026 6:48 pm
Wealth isnt built from leftovers: CA explains why 1.2 lakh monthly salary may still leave you with no savings

A LinkedIn post by a CA discusses how high income does not guarantee wealth, citing lifestyle inflation as a key issue. Many earners struggle to save due to rising expenses, emphasising the need for better financial planning. Details here. 

18 Apr 2026 5:56 pm
PPF investment strategy: How account holders can maximize their returns in the long term? Experts weigh in

The PPF is a popular long-term savings option offering safety, steady returns, and tax benefits. With a current deposit rate of 7.10%, strategies like timing contributions and using spouse accounts can maximize returns, according to experts.

18 Apr 2026 3:43 pm
I asked ChatGPT what 1 crore in my savings account will be worth after 20 yearsthe answer was baffling

At 6% inflation, 1 crore will lose significant purchasing power over 20 years, equating to roughly 31 lakh today. Investing wisely can help maintain value, as leaving money idle in savings accounts risks financial stability due to inflation's impact on real income.

18 Apr 2026 2:55 pm
Why most SIP investors fail midway And how the 7-5-3-1 rule can help you create real wealth

The main challenge in mutual fund SIPs is staying invested long enough to benefit from compounding. The 7-5-3-1 rule emphasises patience, diversification, and emotional discipline to build long-term wealth, showing that staying invested for at least 7 years significantly increases portfolio value.

18 Apr 2026 2:43 pm
Centre approves 2% DA and DR hike for central govt employees, pensioners ahead of 8th Pay Commission

The government has approved a 2% increase in Dearness Allowance (DA) for central government employees and Dearness Relief (DR) for pensioners. Details here.

18 Apr 2026 1:47 pm
What are arbitrage funds? How they work, who should invest, and other details

Arbitrage Funds are low-risk hybrid mutual funds that profit from price differences between cash and futures markets. While minimising risks, these funds are not entirely risk-free and may underperform in bearish markets. Here's all you need to know.

18 Apr 2026 12:41 pm
Planning to buy Gold on Akshaya Tritiya? Heres how to check hallmark and purity of 24K, 22K Gold

With Akshaya Tritiya near, gold buying is set to rise. Buyers must ensure jewelry authenticity using these steps 

18 Apr 2026 12:07 pm
Mutual Fund SIP: Why is making the first crore the hardest thing to do?

The toughest part of building a 10 crore retirement fund is reaching the first 1 crore, which may take 14 years. However, with compounding and consistent SIP investments, subsequent crores can be accumulated significantly faster

18 Apr 2026 12:03 pm
Hidden cost of delaying investments: Starting SIPs late can kill crores from your portfolio

Starting early in investment significantly impacts wealth creation due to compounding. Aman, investing 5000 at 25, accumulates 2.75 crore by 60. Delaying investment reduces returns, emphasizing the importance of timing over the amount invested.

18 Apr 2026 11:37 am
Why should you pay your credit card bill in full? Here's how banks calculate interest on outstanding amount

Credit cards provide a grace period for interest-free payments if the full amount is repaid by the due date. Paying only the minimum incurs high interest on remaining balances, late fees, and potentially losing the grace period. Details here.

18 Apr 2026 10:55 am
8th Pay Commission: Will salaries rise to 69,000? When will it be implemented? How much arrears will employees get?

The official reference date for the 8th Pay Commission is 1 January 2026. But because the commission has 18 months to submit its final report, it would place the finalisation around mid-2027.

18 Apr 2026 9:25 am
Are you dependent on just your salary? Here's how to create multiple income streams to boost your cash flow

Multiple sources of income can include monthly interest, quarterly dividends, quarterly REIT, InvIT distributions, alternative investments, freelance projects, etc.

18 Apr 2026 7:04 am
8th Pay Commission: 32,400 to nearly 69,000 basic pay? Fitment factor for govt salary hike decoded

8th Pay Commission:  Fitment factor is the multiplier that converts old basic pay into revised basic pay. Here's how the minimum basic pay could rise depending on the various fitment factors demanded by employee unions, and those projected by brokerage firms

17 Apr 2026 11:49 pm
Up to 2.88 lakh tax relief possible? Child education allowance rules get a boost, who can benefit - Check here

The child education allowance has been raised from 100 to 3,000 per month per child, while the hostel allowance has gone up from 300 to 9,000 per month per child. Here's a breakdown of how much one can save on tax, who can claim, other details

17 Apr 2026 10:25 pm
National Savings Certificate vs tax-saving FD: Which offers better returns?

While both NSC and tax-saving FDs have a standard 5-year duration, they differ in several key factors, including interest rates and compounding intervals.

17 Apr 2026 9:38 pm
Corporate fixed deposits in April 2026: Shriram Finance, Mahindra Finance and 8 others offering high FD rates

As equity markets hit their lowest point in six years, conservative investors are increasingly gravitating toward fixed deposits.

17 Apr 2026 8:09 pm
Millions of Indians are investing every year, but not everyone is building wealth Heres why

A large share of those new entrants are first-timers. Many came in during a bull run and haven't yet seen a serious correction. That matters, because the biggest threat to their wealth won't be a bad fund, it'll be their own reaction when markets turn.

17 Apr 2026 8:07 pm
Why opening a Sukanya Samriddhi Yojana account early helps create a strong financial future for your girl child

Early investment in the Sukanya Samriddhi Yojana secures a stronger financial future for a girl child through long-term compounding, tax-free returns and disciplined savings.

17 Apr 2026 7:53 pm
PMS or AIF: Where are HNIs finding better risk-adjusted returns?

Studies show that top PMS strategies have generated around 60 basis points of excess return per month over benchmarks. More importantly, roughly 7 out of 10 PMS strategies have beaten their benchmarks. Thats not easy, especially in markets where beating the index itself is tough.

17 Apr 2026 7:36 pm
Akshaya Tritiya 2026 date and time: Check muhurat timings to buy gold in Delhi, Kolkata, Mumbai, other cities

In India, people buy gold on Akshaya Tritiya, depending on specific muhurat timings which vary from one city to another. From Kolkata, Delhi to Mumbai, other cities we bring you a list of the city-wise timings for Akshaya Tritiya

17 Apr 2026 7:32 pm
7 zero-risk govt-backed investment schemes in 2026 for stable income, tax benefits: Check interest rates, features

Secure your future with these government-backed schemes in India that offer stable returns, tax benefits, and predictable income, making them ideal for long-term financial planning in 2026.

17 Apr 2026 6:20 pm
Income tax penalties explained: Payment default, underreporting, misreportingwhen do 50% and 200% fines apply?

Income tax penalties can occur due to default in tax payments, incorrect reporting of income, and, in some cases, misreporting of income, which is considered a severe issue. Here's when 50% and 200% fines apply. 

17 Apr 2026 3:32 pm
Zero tax on 20 lakh CTC? How a smart car lease can cut your tax under the new regime

Smart salary structuring unlocks major tax savings on car leases under the new tax regime, showing how a 20 lakh CTC can significantly reduce taxable income and enhance take-home efficiency.

17 Apr 2026 2:42 pm
Your Cibil score could update faster. Here's what changed

RBI has mandated lenders to report credit data weekly instead of fortnightly to ensure more accurate and fresh credit scores. This shift enables faster loan approvals and quicker score recoveries for borrowers but also means defaults are detected much faster.

17 Apr 2026 2:14 pm
PPF investment: How to build a 1 crore corpus at 7.1% and how long it takes

The PPF crorepati reality check shows that disciplined, long-term investing at 7.1% can build 1 crore over 25 years, highlighting tax-free compounding, stability, and the need for patience.

17 Apr 2026 1:05 pm
PPF vs ELSS vs NPS: Where does 5,000/month grow the most? 15-year returns compared

PPF, ELSS, and NPS are popular tax-saving investments, differing in structure, eligibility, and returns. Here's the best tax saving option.

17 Apr 2026 9:21 am
Trump accounts explained: Eligibility, contribution limits, tax benefits for parents

Trump accounts explained: A new savings scheme, referred to as Trump accounts, is designed to help families start building wealth for children from birth. Here's how it works. 

17 Apr 2026 8:11 am
Sukanya Samriddhi, provident fund, bank deposits, mutual funds: Compare investments for your child's future

Investing in children's future is crucial for parents, with options like Sukanya Samriddhi Yojana, NPS Vatsalya Yojana, and PPF accounts. These plans help build savings for education and healthcare, offering tax benefits and high interest rates, ensuring financial stability.

16 Apr 2026 11:02 pm
50 lakh retirement corpus: How to invest in SCSS, mutual funds, equities and other assets CA offers tips

Secure retirement planning can turn a 50 lakh retirement corpus into a balanced income engine. Here is how you can blend SCSS, mutual funds, equities and debt for inflation-beating, tax-efficient long-term financial stability.

16 Apr 2026 8:50 pm
Asset allocation explained: How to split your investments between PPF, equity and gold for optimal returns

Asset allocation involves distributing investments across various asset classes to manage risk and return. Common categories include fixed-income instruments, equities, and precious metals. Here's what investors should know.

16 Apr 2026 7:50 pm
6 reasons why first-time borrowers find it tough to maintain a healthy credit score

First-time borrowers often damage their credit score due to poor awareness, high utilisation and missed repayments, making disciplined financial planning essential for building a strong and sustainable credit profile.

16 Apr 2026 6:46 pm
Lumpsum vs SIP: What mutual fund investment will make you more money? Here's which to choose

SIPs and lumpsum are two approaches an investor can take when venturing into mutual funds. Here's a look at how both work, what are the benefits and which you should choose depending on your risk appetite and financial goals.

16 Apr 2026 6:10 pm
Bajaj Life rolls out Nifty 500 Low Volatility 50 Index Fund for ULIP investors: All you need to know

Bajaj Life Nifty 500 Low Volatility 50 Index Fund offers ULIP investors stable, long-term growth through a disciplined, low-volatility equity strategy.

16 Apr 2026 5:35 pm
Small habits, big bills: Why convenience costs more than you think

Hidden fees and spending traps in food delivery and OTT apps are eroding your savings.

16 Apr 2026 4:31 pm
Market fall exposes flaws in aggressive mutual fund bets. Time for a reset?

Fund investing, which investors once saw as easy to manage independently, suddenly looks very discomfiting and complex in 2026. Investors feel unsure if their portfolios are constructed correctly, whether their choices carry good long-term prospects, and doubt their capability to generate returns.

16 Apr 2026 3:54 pm