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Retirement mutual funds offer more flexibility than PPF and NPS, with a five-year lock-in period. These funds provide various investment options and promote discipline among investors. They represent a growing category, with 29 schemes and significant assets under management as of November 2025.

The higher the rate of return on investment, the faster you achieve your financial goals. Additionally, the more focused you are on your financial goals and the timeline to achieve them, the easier it becomes to formulate a financial plan.

While the provisions of the 8th Pay Commission will be effective from 1 January, 2026, the implementation is expected to be delayed. This is why government employees and pensioners will receive arrears.

January 1, 2026 Money Rule Changes: Here is a list of the most important personal finance money rule changes that will come into effect from January 1, 2026, which is tomorrow.

New Year 2026: Simple New Year resolutions can help borrowers improve their credit score through timely repayments, smart credit utilisation, regular monitoring and long-term discipline, unlocking better loan approvals and financial opportunities.

Over the past year, India has rewritten key rules governing insurance. Yet for policyholders, the real test lies not in regulation, but in how these changes play out when a claim is filed.

Multi-asset funds provide exposure to a diverse range of asset classes, offering a high degree of diversification typically associated with institutional investing. These funds may invest in a range of conventional equity and fixed-income strategies, index-tracking funds and financial derivatives.

Income Tax Refund Status LIVE Updates: I-T Department's deadline given to people for filing their revised ITRs is in focus now. However, some refunds filed have been delayed due to certain complications. Taxpayers can check a quick guide to help them check their latest ITR status online.

Filing an Income Tax Return can lead to errors, from minor mistakes to significant omissions. Taxpayers can correct these by submitting a revised return, but must verify it within 30 days to avoid invalidation. The deadline for those who filed on 16 September 2025 is 31 December 2025.

As of 2024, unclaimed deposits in Indian banks total 62,314 crore, with public sector banks holding most. SBI leads with 16,968.41 crore. The government initiated a campaign to reclaim these funds, which have significantly increased since 2021.

The tax authorities are empowered to directly enforce the sellers liability on the buyer.

ITR refund deadline: Once the 31 December deadline passes, taxpayers do not have the opportunity to file revised ITR even though their returns are not processed by the CPC.

8th Pay Commission: Even though the in-hand salary of employees will receive only after the 8th Pay Commission announcement is made officially, the arrears will begin to accumulate from January. They will be released after the provisions of the 8th Pay Commission is announced.

New Year 2026: Experts often recommend investors stay committed to the key fundamentals of investing, including asset allocation and diversification.

Credit card applications can be rejected due to weak credit history, high debt, insufficient income, errors in documentation, or eligibility issues, highlighting the importance of disciplined spending and repayment habits.

The removal of GST on health and term insurance was an important catalyst in how consumers upgrade coverage, choose smarter products, and commit to longer-term protection.

The 8th Pay Commission, approved by the Modi-led Cabinet, will take effect on 1 January 2026 and is expected to revise salaries for central government employees and pensions for retired personnel. Full details here.

From tax reforms to new labour codes, here are the important changes from 2025 that demand a fresh look at your money strategy for the coming year. 

Even when the financial goal is due in a long time, one should refrain from risking too much of money to equity alone. Experts recommend diversification across asset classes so that if one category underperforms, it can be compensated by the performance of other categories.

Multiple social media users claimed that they have been facing technical issues with the MCA portal, causing disruptions in filing annual reports before the 31 December deadline, demanding extension

Education inflation in India tends to run higher than general CPI, often in the 8-12% range for private education, especially in metros. Experts say education costs double about every 67 years.

With the 8th Pay Commission members announced, employees are now expecting a salary hike soon. However, it will not increase from 1 January. What happens then?

New Year 2026: You can enhance your credit profile in the new year by adopting simple habits, such as tracking credit usage, diversifying your loans, and establishing healthy long-term credit practices to improve your score and increase financial opportunities.

In case you have earned any dividend out of the shares held during the calendar year, you should disclose the same as well as the schedule in which such dividend is offered to tax in the return of income (Schedule OS in the case of dividends).

The Centre has 18 levels of employees. The 8th Pay Commission salary hike will depend on each employee's or pensioner's level. Here's how much their salaries are expected to increase.

Rising treatment costs and recurrence risks make choosing the right cancer coverage criticalheres how to protect yourself financially.

8th Pay Commission effective from January 1: The 8th Pay Commission is set to revise the pensions, allowances, and salaries of current and retired central government employees. The commission is set to be effective from 1 January 2026.

Meaningful insurance education would require honesty. It would begin by acknowledging that many products approved and aggressively sold in the market may hurt customers' financial well-being

Structural changes were made to the NPS to increase its wider acceptance among households, while EPFO took some tough calls to plug complete withdrawals of the provident fund. Here are the headline events of 2025 in the space that you should take note of.

Flexi-cap funds may offer diversification without forcing exposure to expensive market segments. But these are not the only ones that promise diversification across market caps.

The 8th Pay Commission, recently approved by the Union Cabinet, seeks to adjust salaries and pensions using a fitment factor influenced by inflation. Projections suggest a factor of 1.83 to 2.57, affecting around one crore government employees and retirees.

Taxpayers must link Aadhaar with PAN by 31 December 2025 to maintain PAN validity. The process can be completed online, requiring a valid PAN, Aadhaar number, and mobile number. 

Banks usually allow borrowers to cancel their personal loans, if required, during the cooling-off period with no or low charges. 

In 2025, equity performance varied significantly with silver funds leading at 128% returns. Large and midcap funds excelled due to quality stock selection, while smallcap funds struggled. 

On the borrowers death, the bank asks the co-applicant or guarantor to pay, or recovers the personal loan amount from the deceased persons estate. 

The financial planning in India needs to move away from being product-centric to problem-centric.

The NOVA Credit Card is a luxury credit card that offers accelerated reward points on travel, airport lounge access, low forex markup, golf rounds, and more, designed for those looking to transform everyday moments into milestones.

Logan Paul purchased the Pikachu Illustrator card for millions of dollars four years back, during which he broke a Guinness World Record for the most expensive Pokmon trading card sold in a private auction.

Income Tax Refund Status LIVE: I-T department has issued most of the tax refunds for the people who had filed their income tax returns (ITRs) this year, but some have been delayed. Heres a quick guide to help you check your ITR status online.

The Income Tax Department has notified taxpayers via email and SMS that their refunds are being held due to discrepancies in their ITR filings. Many affected individuals are seeking clarity and an extension before the 31 December deadline to correct their filings.

Always read policy wording carefully, maintain complete medical documentation, and make use of the grievance and ombudsman mechanisms when needed.

A revised ITR is filed to correct any mistake in the original ITR. A belated ITR is an original ITR filed if a taxpayer misses the due date for ITR filing. Here is a detailed breakdown.

For many, the new tax regime's appeal lies in paying a lower or comparable amount of tax while avoiding the hassle of submitting proof for deductions.