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SCSS investment at 55 is permitted for eligible retired individuals before they turn 60. Check the Senior Citizens Savings Scheme eligibility rules, three-month investment deadline, 30 lakh deposit limit and latest 8.2% interest rate for October-December 2026.

Dave Ramsey says personal finance is 80% behaviour and only 20% head knowledge. Ramsey Solutions outlines five financial foundations for teenagers, covering emergency savings, avoiding debt, planning major expenses, investing early, and giving.

Employee Provident Fund Organisation: EPF subscribers are allowed to withdraw up to 100% of their eligible provident fund balance, with certain conditions. Here are the new rules and top FAQs explained

Jammu and Kashmir has formed a six-member committee to expedite Old Pension Scheme coverage for eligible government employees. The panel will examine pending applications, verify records, facilitate GPF account allotments and resolve NPS-related fund transfer issues.

Several money-related changes will take effect from 1 November 2026, affecting pensioners, taxpayers, credit cardholders, and savings account customers. Here are five key developments taxpayers and bank customers should know about and how they could affect their finances.

Earning a good salary does not always translate into building wealth. Ankur Warikoo highlights five money habits that could be keeping you poor, from not budgeting and taking high-interest debt to delaying investments. Here is how to fix them.

Gold, silver prices today in Hyderabad, 31 October for investors: What are latest prices per kg and per 10 gms in Charminar City? We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Chennai, Delhi, Hyderabad, Kolkata, and Mumbai.

The 8th Pay Commission is expected to submit its report by May-June 2027, tentatively. Read on to know what happens next, how the Centre will examine salary and pension recommendations, and when central government employees may receive revised pay and arrears.

Sovereign Gold Bonds: The RBI has fixed the premature redemption price of Sovereign Gold Bonds (SGB) 2021-22 Series VII at 14,167 per gram. Investors redeeming their bonds can earn capital gains of nearly 200% over the original issue price. 

Gold, silver prices today, 31 October: Check the latest prices and up-down movement for precious metal investors in Garden City. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Chennai, Delhi, Hyderabad, Kolkata, and Mumbai.

The RBI may begin a pilot of polymer 10 and 20 notes on April 1, 2027, keeping their dimensions unchanged to avoid costly ATM adjustments. The trial will assess durability, public acceptance and operational feasibility; polymer notes would circulate alongside paper currency.

Andhra Pradesh pension update: The State Election Commission (SEC) has allowed social security pension payments to existing beneficiaries during the Model Code of Conduct (MCC), but has prohibited new enrolments, pension increases, and revisions until the election code remains in force.

Banks in Gujarat are closed today 31 October, despite it being the fifth Saturday of the month. Is the closure limited to Gujarat or are banks in other states also shut? Check the state-wise holiday details and PM Modi's Gujarat visit.

Central government employees may see DA rise to 67% in January 2027 from the current 63%. Understand the AICPI-IW calculation, basic calculation formula, expected increase and whether this could be the last DA hike before the 8th Pay Commission recommendations are implemented. 

PFRDA has introduced the UPS Jeewan Setu - Digital Life Certificate facility to simplify annual life certificate submission for pensioners under the Unified Pension Scheme. Heres how the new Aadhaar-based facility works, where pensioners can access it, and what deadline they need to keep in mind.

PNB credit card charges will change from November 1, 2026, for Visa and RuPay users. Check revised ATM withdrawal fees, late payment charges, utility bill transaction fees, reward point redemption costs and other important changes affecting cardholders.

Bank branches across India will remain open on Saturday, 31 October 2026, as it is the fifth Saturday of the month. However, a state-specific holiday will affect banking operations in certain regions. Check city-wise closures for SBI, HDFC Bank, ICICI Bank, and others.

Diwali celebrations can increase the risk of fires from diyas, candles, firecrackers and electrical faults. Here's how to financially protect yourself from such incidents.

The 8th Pay Commission has completed its scheduled Mumbai meetings. Several organisations have proposed annual increments above the current 3%. Here's what a 7% annual increment means for level 9, 10 and 11 employees?

A passenger booked a train ticket for a journey on August 20. He cancelled the ticket more than 48 hours before the journey. Here's what happened next.

The government transferred 18,690 crore to more than 9.34 crore farmers in PM-KISANs 24th instalment. Payments are made directly to bank accounts after state verification, Aadhaar and bank validation, PFMS checks and approval, as per the central govt.

Banks in Ahmedabad will remain closed on October 31 for Sardar Vallabhbhai Patels birth anniversary, though banks elsewhere in India will remain open. Details here.

The National Social Security Board will design, monitor, and recommend targeted welfare schemes for the informal workforce in India. It is for unorganised, gig and platform workers.

A DA and DR hike from 60% to 63% will benefit central government employees and pensioners, with the revised rates effective July 1, 2026. Monthly DA gains vary by basic pay, while HRA remains unchanged because the latest increase does not cross a threshold for revising HRA rates.

With Indias Nifty 50 down nearly 12% this year, investors are looking abroad, including to US stocks. Here's what Indian residents should keep in mind before putting money in US companies.

SEBI will make direct mutual fund plans the default option on AMC digital platforms from November 1. With regular plans still accounting for 63.3% of retail mutual fund AUM, experts explain why investors choose them and how the new rule could impact them. 

Elon Musk says saving money for the distant future could become pointless as AI and robotics create an era of unprecedented abundance. He believes superintelligent AI could make work optional, drive down the cost of goods and services, and reduce the importance of money.

EPFO invests monthly contributions from employees and employers across government securities, corporate bonds and ETFs. But how does it manage market risks while offering a fixed interest rate? Experts explain its investment process, interest rate mechanism and proposed AIF exposure.

Gold ETFs and EGRs offer two ways to invest in gold without storing it yourself. But how do they differ in ownership, liquidity, costs, and physical redemption? Experts explain which factors investors should consider before choosing this Diwali.

A Hyderabad consumer commission has ordered Square Yards interior business to pay 4.25 lakh to a Secunderabad woman after her flats interiors didnt match approved 3D designs. She moved the commission, which held that firms failed to explain production drawings, amounting to deficient service.

The Centre's 3% DR hike, effective 1 July 2026, will raise Dearness Relief for eligible OPS and UPS family pensioners from 60% to 63%. Here's how the revision will affect monthly family pension payments, the applicable eligibility conditions and examples of the additional amount.

A Kerala consumer commission ordered IRCTC to refund a passenger Re 1 withheld from a cancelled ticket, with 9% interest, 100 compensation and 3,000 in legal costs. It ruled the shortfall amounted to deficient service and an unfair trade practice.

Indias insurance reforms must curb mis-selling and opaque incentives without creating an uneven playing field or unsettling foreign investors with frequent policy changes.

November brings several important income tax deadlines, including TDS payments, issuance of TDS and TCS certificates, and the extended ITR filing deadline for audit cases. Here's a date-wise guide to key forms, compliance requirements and deadlines taxpayers should know.

Ministry of Finance: The government has revised the Dearness Allowance for government employees continuing under the 5th and 6th Pay Commissions, effective 1 July 2026. Here are the revised DA rates, eligibility details, and the impact of the increase on monthly payouts.

Gold and silver futures declined modestly on October 30, with MCX gold at 142,351 per 10 grams and silver at 1,88,943 per kg. Retail prices varied across major Indian cities, while jewellers may add making charges, taxes and GST.

Sovereign Gold Bonds: RBI has fixed the premature redemption price of SGB 2019-20 Series VI at 14,213 per gram. Investors who purchased the bonds at the original issue price can earn capital gains of up to 275%, excluding interest and taxes.

The RBI has raised the interest rate on the Government of India Floating Rate Bond 2034 for the six-month period from 30 October 2026 to 29 April 2027 by 81 basis points. Here's what the revised rate means for investors and how the bond works.

ITAT ruled in favour of a woman whose timber business was treated as her husbands family firm by the Income Tax Department. The tribunal found insufficient evidence linking the two businesses, highlighting the importance of proving ownership in tax disputes.

Term insurance bookings among high-net-worth individuals have doubled since April 2023, while average coverage has risen 30%, Policybazaar data shows. Details here.

Financial planning goes beyond mutual funds. A 1 Finance report identifies six areas investors should review annually: estate planning, loans, investments, income and expenses, insurance, and tax. These checks can help protect wealth and keep long-term goals on track.

Central government employees' dearness allowance rose to 63% of basic pay in 2026 after a three-percentage-point increase. Here's a look at the allowance's growth over the past 10 years.

EPFO is drawing up guidelines to invest up to 3% of fresh annual inflows in startups and alternative investment funds (AIFs), five years after government approval. The proposal is expected to go before its board in November.

A Mumbai consumer commission has ordered a developer to refund 45.45 lakh to a homebuyer who waited nearly a decade for a Panvel flat, with 9% annual interest taking the payout to 86.37 lakh. However, it rejected his claim for 5.23 lakh in home loan interest.

Prime Minister Narendra Modi will release the 24th PM-Kisan instalment on October 30 at an event in Gujarat. Here's how to check the payment status. 

ITAT Chennai has deleted a 26 lakh penalty on a salaried taxpayer who accepted a 26 lakh cash advance while selling his house to repay an outstanding home loan. The tribunal cited reasonable cause, considering the genuine transaction and financial circumstances.

AI can help investors identify costly funds, idle cash and gaps in financial planning, but it may not replace human judgement. A 1 Finance report says effective financial advice extends beyond investment returns to goal planning, behavioural coaching and monitoring changing financial needs.

SEBI chief Tuhin Kanta Pandey warned against investment scams on WhatsApp and Telegram, saying people are losing money to misleading promises. SEBI has introduced a tool to verify bank accounts, UPI IDs and QR codes linked to regulated market entities.

Jio Platforms listing adds a new stock for mutual funds to consider. Experts explain how holding Jio alongside Reliance Industries could create group-level overlap, while pairing it with Bharti Airtel could increase telecom sector concentration. Heres what investors should check.

Retiring at 55 with 2 crore? Learn how to plan monthly withdrawals for 30 years, compare 50,000 and 60,000 withdrawal options, and understand how inflation, investment returns and emergency savings affect retirement planning.