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Investment / Livemint

Why Indian investors must think beyond borders

Mint Horizons Pune brought experts together to make the case for global diversification despite regulatory and market challenges.

30 Jun 2025 11:17 pm
Small savings schemes: Govt announces interest rates for PPF, NSC for July-September quarter of FY26; check details

Small savings schemes: Indian government kept the interest rates for PPF, NSC unchanged for the July-September quarter of the financial year 2025-26. Check the list of interest rates here. 

30 Jun 2025 8:27 pm
From studying in New Zealand to settling down therean Indian students journey

A student from Coimbatore went to New Zealand in 2020 for a Master's programme, eventually becoming a permanent resident of that country. This is his journey.  

30 Jun 2025 4:31 pm
What happens if you use crypto to fund a foreign company?

Using cryptocurrency to fund a foreign company may be possible under UAE law, but it could violate Indian tax and foreign exchange rulestriggering penalties and compliance issues.

30 Jun 2025 3:06 pm
5 common personal loan mistakes first-time borrowers must avoid

As a fledgling borrower, you could be vulnerable to not-so-good offers by the lenders. One should not hurry through the decision of raising a personal loan. It is recommended to compare different loan options before zeroing in on one

30 Jun 2025 2:54 pm
Why you still need a legal opinion when buying propertyeven with a bank loan

Purchasing property is a major investment that requires careful legal consideration. Relying solely on the lender's lawyer may overlook critical aspects.

30 Jun 2025 2:44 pm
Latest personal loan interest rates: Which bank offers the lowest rate?

With the RBI's repo rate cut, personal loans interest rate now start at 9%. Eligibility requires a credit score of 800+, stable employment, and a minimum annual income.

30 Jun 2025 2:27 pm
5 smart ways to repay your personal loan faster and save big

Check out five effective strategies to repay your personal loan faster, reduce interest burden, and regain financial control amidst slowing retail loan growth and tightening credit conditions in FY25.

30 Jun 2025 2:20 pm
Personal loans for NRIs in India: Interest rates, loan tenure, and top bank options

NRIs can access personal loans in India for various needs. While eligibility criteria may be stricter than for citizens, several banks provide options with varying loan amounts and interest rates, making it an effective way to secure funds without liquidating assets.

30 Jun 2025 1:00 pm
Is UTI Large & Mid Cap Fund right for you? Key insights for 2025 investors

Mutual funds: Check out the UTI Large & Mid Cap Funds 2025 performance, portfolio strategy, and suitability for long-term investors seeking diversified equity exposure and competitive returns across market cycles.

30 Jun 2025 12:51 pm
Credit card statement explained: Key terms, charges, due dates and more

A credit card statement details your credit usage, spending habits, and payment obligations. Understanding it is crucial for managing credit and avoiding debt. Regular reviews can aid in financial management and decision-making.

30 Jun 2025 12:44 pm
Are businesses & GST authorities cashing in on the taste buds of Indian consumers?

GST promised simplicity. But for Indias booming packaged food sector, every seasoning, flavour, and innovation now comes with a tax twist.

30 Jun 2025 11:58 am
THESE 5 credit cards give cashback offers to the cardholders

It is recommended to apply for credit cards which offer good cashback deals to the cardholders. Here we list out some of them

30 Jun 2025 10:20 am
Running a family business with loans or gifts? Know the tax rules

HUFs can run businesses, but the tax treatment depends on how they raise funds. Know what triggers clubbing rules.

29 Jun 2025 3:42 pm
Income Tax: File your ITR and pay tax on e-pay portal via THESE 31 banks. A step-by-step guide

If your tax liability is more than the advance tax paid, you can pay balance tax through any of 31 banks at e-pay tax service. Two new banks added to the list in 2025 are Tamilnad Mercantile Bank (w.e.f. March 5) and Yes Bank (June 27).

29 Jun 2025 2:46 pm
Why disclosing pre-existing diseases is key when buying health insurance

The insurer can deny your claim at the time of medical emergency if you have not disclosed your medical history with the insurer. So, what counts as a pre-existing condition? How far back must you go in your medical history?

29 Jun 2025 1:12 pm
The good, bad, and ugly of India's pre-IPO market

As interest in India's pre-IPO market surges, investors are drawn to the potential for significant returns. Yet, the allure of quick profits comes with pitfalls that can lead to devastating losses. Here are the hidden complexities and strategies to navigate this lucrative yet challenging market. 

29 Jun 2025 10:27 am
Aadhaar-PAN, Tatkal tickets, UPI chargeback & more: New money rules in July 2025 you need to know

 Starting July 2025, Aadhaar becomes mandatory for PAN applications, and new rules for UPI chargebacks and Tatkal train ticket bookings will also be implemented.

28 Jun 2025 3:07 pm
Insurance Awareness Day: Experts say its time to simplify and educate to improve health insurance penetration

On the occasion of Insurance Awareness Day, several insurance providers and experts in an exclusive conversation with ANI shared their insights on the challenges facing the insurance sector in India, especially in critical segments like health and life insurance.

28 Jun 2025 9:03 am
Guide for NRIs for filing FY25 income tax returns

With the ITR deadline for FY25 (AY26) set for 15 September 2025, NRIs should begin preparing well in advance.

27 Jun 2025 6:31 pm
How to improve your credit score fast in just 12 months step-by-step guide for 2025

Improving credit score is a lengthy process, so it is advisable to commence as soon as you can. Some of the effective methods to improve it include paying your dues on time, rectifying the mistakes and keeping your credit utilisation below 30 per cent.

27 Jun 2025 4:47 pm
Why do we take personal loans? A look into the psychology of borrowing

There should ideally be a strong need while raise the loan and minimum amount of guilt as someone goes ahead with raising a personal loan

27 Jun 2025 4:34 pm
When you should take a personal loan and when you definitely shouldnt

A personal loan can offer quick financial relief but should be used wisely. Know when borrowing makes sense, key risks, current interest rates, and essential loan factors before applying.

27 Jun 2025 4:30 pm
Credit card: What it is, how it works, and what to check before applying

A comprehensive guide explaining what credit cards are, how they function, and essential factors like eligibility, fees, and repayment planning to consider before applying for one in the nation.

27 Jun 2025 4:27 pm
Brad Pitts F1: What this racing film teaches us about money and mindset

F1: In this film, Brad Pitt plays a faded F1 star who mentors a rookie driver. The story emphasizes teamwork, frugality, and personal growth, showcasing the thrill of racing alongside valuable financial lessons, all wrapped in a Bollywood-inspired narrative.

27 Jun 2025 4:23 pm
How to transfer shares to a nominee in ICICI Direct demat account? Step-by-step guide

This guide explains the process of transferring shares from a deceased ICICI Direct demat account holder to a registered nominee, including key documents, steps, and contact support for smooth transmission.

27 Jun 2025 1:45 pm
Credit Cards: THESE cards do not charge any annual fee. Check the list

Here we list out a few credit cards which do not charge any annual fee. The list is indicative, and not exhaustive.

27 Jun 2025 10:16 am
How is credit score different from credit report? An explainer

It is a three-digit number between 300 to 900 that shows how creditworthy an individual is based on his payment history. Higher the credit score, better it is.

26 Jun 2025 4:43 pm
Beyond trust: India's younger generation is bringing clarity to family wealth planning

For decades, succession in India was built on trust, spoken assurances, and unspoken assumptions. That's now changing at long last.

26 Jun 2025 4:26 pm
Credit score below 650? Try THESE smart strategies to improve it

Improve credit score with timely repayments, low credit usage, credit mix, and regular report checks to access better loan rates and financial opportunities.

26 Jun 2025 3:36 pm
Should you buy OPD insurance? Get the complete lowdown to help you decide.

Retail OPD insurance accounted for less than 0.1% of India's OPD spending of $37.7 billion in FY24. Now, insurers have started to offer OPD coverage and healthcare startups have also entered the space.

26 Jun 2025 3:02 pm
How gold loans affect your credit score What every borrower should know

Gold loans in India are popular due to easy approval, low interest rates, and minimal documentation. While they don't require a high credit score, timely repayment can enhance credit scores. Borrowers should manage loans carefully to protect their financial future.

26 Jun 2025 2:29 pm
Does my life insurance policy cover accidental death benefit?

Most comprehensive travel insurance policies and many life insurance policies do include accidental death benefits.

26 Jun 2025 1:25 pm
Why premium portfolio management services in India are failing to justify their fees

Before paying higher fees, ask what real value you're getting in return.

26 Jun 2025 1:03 pm
Pre-approved vs regular personal loans: What should you choose in 2025?

Personal loans serve as a flexible finance option for urgent needs. Pre-approved loans offer swift approvals and lower rates for eligible clients, while regular loans take longer and require more documents. Always compare terms and conditions before accepting any loan offer.

26 Jun 2025 11:33 am
Instant personal loan up to 5 lakh: Documents you must have for quick approval

Get instant personal loans of up to 5 lakh with faster approvals by ensuring accurate documentation like salary slips, KYC, address proof, and digital verification for quick disbursal.

26 Jun 2025 11:28 am
Can you use a credit card to buy gold? Heres what you should know before swiping

Using credit cards to buy gold can provide rewards and convenience but comes with restrictions, high interest rates, and fees, making financial discipline crucial for smart and secure transactions.

26 Jun 2025 10:49 am
How do you link your RuPay card with UPI? A step-by-step guide

To be able to activate digital payment service on your credit card, you can simply link your RuPay credit card with UPI

26 Jun 2025 9:59 am
What leads to a hard inquiry? These are the key factors to consider

A hard inquiry occurs when a credit user applies for a loan. This leads to the loss of credit score. Applying for too many loans indicates that the user is too desperate for loan.

26 Jun 2025 9:54 am
ITR: How to spot and fix mismatches in Form 16 and Form 26AS before filing your tax return

Form 16 is a certificate issued by employers that furnishes details about the TDS (Tax Deducted At Source). However, Form 26AS also mentions TDS information. So, what exactly is the difference between the two?

26 Jun 2025 5:10 am
When should you refinance your home loan?

Smart switching isnt about following the trend; its about knowing when the numbers work in your favour.

25 Jun 2025 6:44 pm
Global investing through GIFT City: What a keen investor should know about

GIFT City is emerging as a prime destination for investors seeking global diversification. A virtual workshop on July 5, 2025, will discuss its benefits for Indian residents and NRIs, featuring insights on global investment strategies and currency alignment.

25 Jun 2025 5:03 pm
How to remove auto debit from your SBI credit card? A step-by-step guide

This guide explains how to cancel auto debit instructions on SBI credit cards through online, offline, and banking channels, helping users maintain financial control and prevent unauthorised deductions.

25 Jun 2025 4:23 pm
Mini retirement is the new sabbaticalshould you take one?

As burnout rises and careers get longer, Indians are rethinking the traditional work arcwith planned breaks that offer rest, reflection, and a reset.

25 Jun 2025 4:16 pm
Customised credit cards or BYOC: What it is, how it works, and who its best for

Customised credit cards enable users to select various features like reward categories and card designs. This flexibility allows for personalized benefits that align with financial needs, providing options for billing cycles and spending limits to enhance user experience.

25 Jun 2025 4:14 pm
How fintech apps have made personal loans mere a click away? Key points to know

It is recommended to check the authenticity of digital lending app. Usually the app is a mere platform and there is a lending institution behind it. So, it is important to exercise due caution and make sure that the lender which is disbursing the loan is registered with the RBI

25 Jun 2025 4:09 pm
HDFC digital loan against mutual funds: How it works, interest rates, and key risks

HDFC Bank provides instant digital loans against mutual funds, permitting investors to unlock liquidity without redeeming their holdings. The process is quick, paperless, and market-linked.

25 Jun 2025 2:52 pm
Planning undergrad abroad? Here's why you should look beyond the US

Mint's cost-benefit analysis shows you may get a better return on your investment in countries such as the UK, Germany, Australia and Singapore.

25 Jun 2025 1:19 pm
Why modern health insurance should cover short hospital stays

Quick surgeries are now routine, yet many insurance plans still demand 24-hour hospitalisation to honour claimsleaving modern patients stranded in an outdated policy framework.

25 Jun 2025 12:53 pm
Investing 10,000 a month via SIP in this mutual fund would have swelled to 1.71 crore in 21 years. Check how

Mutual funds: If someone were regularly investing 10,000 every month since the inception of Tata Equity P/E Fund in June 2004, the total investment would have touched 1.71 crore, giving an annualised return of 16 percent, shows fund houses website.

25 Jun 2025 10:54 am