We share tips to help investors spot the difference between a fake video and a genuine one.

If you are interested in equity intraday trading or futures and options trading, a demat account is optional since these transactions do not involve the delivery of shares.

RuPay is proudly associated with TATA IPL 2024 as an associate partner. The campaign will playfully engage with the audience, showcasing how linking RuPay credit cards to UPI eliminates the need to carry a physical wallet.

Landlords may ask the tenants with low credit score to pay a higher security deposit or impose stricter lease terms. They perceive a higher risk of late payments or default on rent payments from individuals with lower credit scores.

The Lok Sabha polls are an important event when seen through the lens of investing. They impact people's financial goals marginally, if not substantially. However, retail investors are advised not to get carried away by short-term volatility and instead focus on long-term wealth creation.

Astute stock selection is crucial for performance, especially in value stocks with sharp drawdowns. Focusing on quality can be advantageous in India's evolving landscape.

Funds amounting to crores of rupees are stuck in savings accounts and FDs due to a lack of awareness about available options

Millennials prioritize personal financial goals, but should also consider younger siblings' financial security. Investing in mutual funds SIPs can yield significant growth over time, tailored to siblings' future needs. Insurance policies provide a crucial safety net for unforeseen circumstances.

Corporate actions include various benefits for investors like dividends, bonuses, and rights issues. Staying updated on company announcements is crucial for investors to make informed decisions impacting stock prices and investment strategies.

Challenges arising for investors due to recent KYC rule changes affecting investments in MFs and capital market products, highlight the need for a standardized online KYC process and upgraded KRA infrastructure.

To reach a retirement corpus of 5 crore by the age of 60, a 38-year-old should save 35% of their 16.2 lakh annual income. By investing 80% in equities and 20% in debt schemes with a 10% annualized return rate, this goal can be achieved.

The good news for card users is that the payment aggregator firms will not be allowed to store card on file (COF) data from August 1 next year onwards. The only entities allowed to store the COF data will be card issuers and card network such as VISA, Mastercard and bank.

Belief in the potential of cryptocurrencies is one of the factors keeping investors interested in these virtual currencies despite its many disincentives.

Demat accounts streamline mutual fund investments by offering convenience and accessibility.

15G is a mandatory form and EPF subscribers must fill them to avoid paying the TDS if they are withdrawing over 50,000. FD depositors are also meant to fill this form to avoid paying TDS when their interest income is less than 40,000

Demat accounts help investors to buy and sell a wide range of securities, including stocks, mutual funds, bonds, and derivatives, conveniently through online trading platforms.

The Employees Pension Fund Organisation (EPFO) has deployed the change in the application software on April 10 this year. The rule change has received the nod of Central Provident Fund Commissioner, the circular issued by pension fund body informs.

Saving is crucial, but investing smart is key to wealth creation. Google search data shows a rise in interest in managing finances during uncertain times. Investing in assets like stocks can outpace inflation and yield higher returns than savings accounts.

You should also review the payment history of each credit account to ensure that all payments are accurately recorded. Look out for any missed payments or late payments that you believe are incorrect.

Financially empowered women navigate markets with finesse, empowered by education, strategic investing, networking, and technology. Breaking barriers, they redefine financial empowerment and inspire others on the path to success.

If your CIBIL score is average, you may still qualify for a home loan, but you might face challenges in getting favourable terms.

Morgan Stanley plans to start cutting about 50 investment-banking jobs in the Asia-Pacific region this month. At least 80 per cent of the reductions will be in Hong Kong and China.

For all practical purposes, being married to someone does not directly impact the credit score. But if you decide to have a joint account or share your credit card with him/ her, this is likely to have a bearing on it.

Experts often point out that whenever possible, one should pay off your credit card balances in full every month to avoid paying interest. This helps keep your credit utilisation ratio low that can positively impact your credit score

You may decide to contact your credit card issuer to request for a credit limit increase. Many issuers allow you to request increases online or through their mobile apps.

There are a number of strategies to improve your CIBIL score in the long term which include paying bills on time, reducing debt, monitoring credit report, and keeping credit utilisation low.

Young professionals can establish a good CIBIL score by taking a series of steps which include paying bills on time, keeping low credit utilisation ratio, diversifying credit types, monitoring credit report, and maintaining long credit history.

UAN works like a common identification for subscribers who may have worked under multiple employers in quick succession one after the other. This, effectively, means subscribers can have numerous member IDs allotted by as many employers but only one UAN.

Deduction is available under Section 54 of the Income Tax Act for reinvestment in a new property. Judicial precedents may challenge deduction if the buyer is not a co-owner.

Retail investors often misinterpret statements of credible gurus like Warren Buffett, leading to a bullish stance on all stocks. Fake gurus with untested theories further fuel this trend.

The Unique Client Code serves as a vital identification number assigned to clients by brokers, a mandate set by regulatory authorities. To uphold client privacy, brokers issue each client a distinct alphanumeric UCC

For the ace investor, making music videos isn't just a hobby; he uses them to emphasize investing the right way, with a healthy degree of caution. With 90% equities in his portfolio, he focuses on small- and mid-caps and real estate for passive income.

In the case of inheritance, the cost of acquisition for capital gains purposes is taken the cost to the previous owner who had bought it for consideration

Mobile apps have transformed India's digital lending ecosystem, but distinguishing between legitimate and fraudulent platforms is crucial. The RBI considers creating DIGITA to combat cyber fraud. Tips include checking RBI compliance, downloading from official stores and more.

Making early payments on your home loan can save you money on interest and shorten the loan term. Timing is crucial, with prepayments in the initial years yielding the most significant savings.

Many Rupay cardholders are unaware of the complimentary insurance coverage on their cards, which provides a lump sum in case of accidental death or disability.

Failing to repay a personal loan can result in a series of adverse outcomes, impacting both your financial situation and creditworthiness.

If you use the funds from a personal loan to repay debts or to consolidate current loan obligations, it can certainly improve your credit utilisation ratio and exhibit responsible debt management, which collectively can positively impact your CIBIL score.

CIBIL score is a key factor in the loan application process. Having a good credit score by managing your finances responsibly and making timely repayments can raise your chances of loan approval and help you negotiate better terms and interest rates.

Usually, foreign income is not taxable under IT Act for a RNOR individual. However, since you would be providing consultancy services from India, such income would become taxable in India at the normal slab rates.

Mistakes in financial planning can hinder your progress toward financial goals significantly. Some errors result from a lack of knowledge, while others stem from negligence or a reluctance to understand basic financial concepts commonly used in everyday conversations.

There are multiple ways of investing abroad. One of the convenient avenues of doing so is mutual funds.

For incomes up to 7.5 lakh, the new tax regime is the clear choice, offering a rebate after 50,000 deduction.

In the last few years, some fintechs have emerged that allow usage of credit cards for P2P transactions like rent, tuition fees, etc. The RBI is not comfortable with these payments as credit cards are meant for P2M transactions.

A look at how Sebi's regulations could reshape the landscape for India's retail investors in the burgeoning Reit market

Your asset allocation doesn't have to be rigid. As you age and transition through various life phases, your needs and objectives may evolve. Selecting the appropriate asset allocation model is a pivotal aspect of crafting a prosperous investment strategy.

Meeting the EPFO's requirement of 10 years of service is essential, but merely reaching the age of 58 doesn't automatically qualify an individual for a monthly pension under the Employee Pension Scheme.

Women's empowerment in financial decision-making is evident. Collaboration and transparency in financial matters are crucial for long-term well-being.

Consolidating UANs requires notifying the EPFO and subsequently transferring funds from your inactive UANs to your active UAN.

Nishant Srivastava shares investing advice with young investors, explains the reasons for engaging a wealth consultant, future expectations from benchmark indices, and industry sectors that are likely to perform well