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Following cabinet approval and announcement, the 8th Central Pay Commission was constituted on 3 November 2025. While the official implementation date has not been announced, 1 January 2026 is widely anticipated as the date the new pay scales will come into effect.

With Dhanteras and Diwali 2026 approaching, Malabar, Joyalukkas, Tanishq and Kalyan Jewellers have listed festive offers on gold jewellery. Here's a comparison of discounts on making charges, gold rate protection, old gold exchange benefits and other deals, along with their validity dates.

EPFO has reminded pensioners to submit their Jeevan Pramaan, or Digital Life Certificate. Here's how to submit it through three methods, the documents required and how the Aadhaar-based service works.

Axis Bank has announced Diwali festive offers on car loans, two-wheeler loans, home loans and credit cards. Check out 100% car financing, 30-minute disbursal, EV discounts, reduced processing fees and other benefits.

Gold prices in Sangli rose on November 5, tracking gains in global bullion markets after the US midterm results. Check the latest 24K, 22K and 18K gold rates and silver prices ahead of Dhanteras 2026.

Gold in Kolhapur rose 1,660, or 1.16%, on November 5, with 24-karat gold quoted at 14,517 per gram. Indian gold futures also climbed on fresh positions and firm spot demand, while weaker US dollar and Treasury yields supported global prices.

US midterm election results have impacted global bond markets after President Donald Trump's Republican Party lost control of Congress. Falling crude oil prices and easing borrowing concerns have pushed bond yields lower in India and overseas. What should Indian bond investors do now?

The price of gold rose on Thursday in Mangalore, in line with global trends, after Republicans faced a major setback in the recently-concluded US midterm elections 2026.

Gold prices have risen by nearly 14-15% since Dhanteras 2025. Here are the latest 24-carat gold rates, your one-year investment returns, India's gold demand trends and factors buyers should consider before planning investments for Dhanteras.

Dhanteras is traditionally celebrated on Trayodashi, the thirteenth day of the waning moon in the month of Kartik. In 2026, this specific tithi only begins on Friday morning.

Financial security gives young professionals the runway to pursue their passions without putting their savings, families or long-term goals at risk.

Gold prices in Bangalore rose sharply on 5 November, tracking gains in international bullion markets after the US midterm election results. With Dhanteras approaching on 6 November, check the latest 24K, 22K, 18K gold rates.

You can help loved ones buy insurance by paying their premiums, but rules on relationships, insurable interest and source of funds vary across policies.

Who gets a deceased government employees GPF balance, the nominee or the family? Centres 29 October clarification explains Rule 33 and exclusions.

The rupee opened at a two-week high against the dollar as falling oil prices and US election results lifted sentiment. However, analysts expect it may weaken in coming months, with high oil prices and weak investment flows continuing to pose risks.

Buying gold tomorrow on Dhanteras? Not all gold items require mandatory hallmarking. Check which categories are exempt under BIS rules and what buyers should look for on their jewellery bills.

Gold and silver prices today, 5 November: 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.

The 8th Pay Commission has received fitment factor demands from employee and pensioner unions. Why are organisations seeking multipliers of 3.61 to 4.00? How did they calculate the minimum basic pay of 65,000 72,000, and what happens next?

Gujarat and Punjab announced a 3% DA hike for state government employees and pensioners on 4 November 2026. Check the revised rates, arrears and when employees and pensioners will receive the increased amount.

A widow won a 60 lakh income tax dispute after ITAT Pune accepted her explanation that the cash deposited in her bank account was gifted by her late husband for her and their two daughters. The tribunal ordered deletion of the entire tax addition.

Indias Defence Accounts Department is running a month-long campaign to help defence pensioners submit digital life certificates through more than 200 SPARSH centres. The initiative promotes Aadhaar-based face authentication, with extra assistance for people over 80 and persons with disabilities.

With face authentication technology, pensioners can generate their digital life certificates using smartphones from the comfort of their homes. This eliminates the need to depend on others or visit bank branches for routine pension verification.

A 1 lakh investment in silver three years ago would be worth nearly 2.49 lakh today, against 2.25 lakh in gold. Silver leads over one and three years, while gold edges ahead over five years, based on IBJA rates.

NPS subscribers could benefit from greater exposure to AIFs, REITs and InvITs as pension funds explore alternative investments. SBI Pension Funds MD & CEO Pranay Ranjan Dwivedi explains the potential returns, suggested allocation and risks.

Motor insurance rules change from December 15, 2026. Car and bike owners must check five things before renewal, including mandatory covers, passenger protection, personal accident insurance, own-damage cover and separate premium disclosures.

The development has triggered concern among bullion dealers, jewellery manufacturers and traders, particularly because the adulterated gold can appear similar to genuine gold during initial inspection.

Gold and silver prices have risen since Dhanteras 2025, with silver marginally outperforming gold. Find out what 1 lakh invested in either metal last year would be worth on 4 November 2026, using the latest IBJA rates, and calculate your investment gains.

Sahara depositors awaiting refunds can check their CRCS claim status online, track rejected or pending applications and correct errors through the resubmission portal. Here's how to check refund status using Aadhaar and what to do if payment is delayed.

Before making the final payment for gold and silver purchases this Dhanteras and Diwali, check your bill for weight, purity, per-gram rate, making charges and GST. Experts explain how to verify BIS hallmarking, spot hidden charges and avoid misleading billing practices.

Your 20s are the best time to build strong money habits. From saving regularly and creating a 612-month emergency fund to starting investments early, here are five things to do with your salary and three financial mistakes to avoid to secure your financial future.

In a year of widespread layoffs and uncertainty, it's wise to strengthen your finances before spending on expensive stuff. Here is what finance experts have to say.

Several banks have revised FD interest rates in November 2026 following the RBI's 25 bps repo rate hike. Compare the latest rates offered by Kotak Mahindra Bank, Axis Bank, Canara Bank, Suryoday SFB and Utkarsh SFB for general customers and senior citizens.

Ahead of Dhanteras, Instamart has partnered with Kalyan Jewellers to offer the first 1,000 customers each day buying a gold coin a free 1-gram silver coin gold and silver coins. Check offers for online purchases 

From 15 December 2026, car and two-wheeler owners will get four clearly defined motor insurance cover options. IRDAI mandates a customer option form and transparent premium disclosures, helping buyers understand available protection and make informed choices.

Investors often pile into funds, sectors and markets after strong returns. But as the Millennium Bridge showed, individually sensible decisions can become risky when everyone makes them together.

Despite golds promising long-term returns, experts generally recommend limiting its allocation to 10%-15% of a portfolio.

Gold rate today Coimbatore Nov 4 Wednesday: Up or down? Latest price for investors ahead of Dhanteras, Diwali 2026. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata and Mumbai.

Amid the growing debate over LTCG tax relief on equities, SBI Research suggested a level playing field between equity investments and bank deposits. It has proposed tax relief on savings account interest to make bank deposits more attractive to savers.

One year after its commission, the 8th Pay Commission has completed 66% of its tenure. Its ToR indicates that employees and pensioners can expect final recommendations, the fitment factor and the revised pay structure soon. 

Festive deals and small monthly payments make big-ticket purchases easier, but stacking EMIs can strain cash flows, erode savings and hurt future borrowing prospects.

Gold and silver prices declined in India on 4 November, ahead of Dhanteras and Diwali 2026. Check the latest retail rates of 24K, 22K gold and 999 fine silver across major cities, along with domestic and international market trends.

The Ministry of Railways has approved a 30-day non-productivity-linked bonus for FY 2025-26. Here are the eligibility conditions, the calculation formula, the 7,000 monthly calculation ceiling and the special provisions for employees across different service categories.

The Punjab HC issued a contempt notice to the state Chief Secretary and directed to file a compliance affidavit within 10 days regarding the non-compliance of the High Court's earlier order. The next hearing on November 17.

PFRDA has revised NPS scheme naming rules, removing category codes from MSF scheme names while requiring separate risk-category disclosures. It has also clarified how PoPs must display pension fund schemes during subscriber onboarding. 

An Income Tax search uncovered 8.66 crore in cash transactions on a woman's computer, triggering a massive tax demand. But ITAT ruled that the expenditure belonged to a real estate company, not the woman, and deleted the tax addition.

Many consumers may not know how to distinguish genuine gold from jewellery containing a higher proportion of other metals. While professional laboratory testing remains the most reliable way to establish gold purity, certain simple checks at home can help identify possible irregularities

PNB and Canara Bank have revised their fixed deposit interest rates from November 1 and 2, 2026, respectively. The changes affect select tenures and returns for general customers and senior citizens, while Axis Bank has also revised rates on bulk deposits of 3 crore and above from November 3.

Small-cap mutual funds offer growth potential but carry high risks. Experts recommend allocating 10-20% of equity portfolios to small caps, depending on risk appetite and investment horizon, while preparing for sharp market corrections.

While hallmarking provides an important means of verifying the purity of precious metals, consumers should not rely solely on the appearance of a silver coin. There are several simple tests that can offer preliminary indications of whether a silver coin is genuine.

The demand comes after two High Courts, in separate judgments delivered within 18 months of each other, declined to shorten the existing restoration period.