Credit card: There are several ways to encash reward points, such as by buying gift cards, booking flights and hotels, and buying merchandise on online marketplaces

The 'core-and-satellite' strategy is effective for building an investment portfolio. Here, we explain this approach in detail and list the investment categories that comprise these portfolios. The core portfolio includes large-cap and index funds, whereas the satellite includes risky investments.

Significant percentage of employees prioritise savings, investments under new tax rules: Report

Income Tax: Over 5 crore taxpayers have filed their tax returns. Out of these, 4.72 crore returns are verified and 3.39 crore returns processed. In contrast, a total of 7.28 crore ITRs were filed last year till the deadline of 31 July 2024.

Credit card phone scams are rising as fraudsters steal OTPs and CVVs through fake calls, highlighting the urgent need for awareness, vigilance, and safe digital payment practices to prevent financial fraud.

A growing number of retirees are choosing leases and rentals in senior living to preserve liquidity and flexibilitybut high deposits and limited options keep ownership dominant.

Confused about reporting cryptocurrency sales and trades in your ITR? Here's how you can file income tax returns without attracting penalties.

Improving your credit score boosts eligibility for bigger personal loans, offering higher approval chances, lower interest rates, flexible repayment options, and better borrowing terms with enhanced financial credibility.

Small businesses in India face challenges in utilizing credit effectively for growth. Despite government initiatives improving access, many MSME owners lack awareness of available options and their implications.

It is always advisable to register a Will, which can be changed or revoked later if the testator desires.

In times of market uncertainty, predicting the future is futilebut preparing for it isnt. Investors cant forecast every downturn, but building a robust portfolio with strategic asset allocation can shield their investments and help them stay the course.

The IDFC FIRSTmoney Smart Personal Loan provides a unique combination of excellent features. Some of these include a 100% digital process, quick approval and disbursal, repayment flexibility, access to multiple on-demand loans, no foreclosure charges, etc.

Banks may offer different variants of the same co-branded card based on the reward points they offer. For instance, one variant of HDFC Bank's co-branded card (6E Rewards XL - IndiGo HDFC Bank Credit Card) offers 5 per cent 6E Rewards on IndiGo bookings instead of 2.5 per cent in the basic variant.

Credit scores drop for a number of reasons, ranging from defaulting on credit card payments to overusing credit cards.

Gold prices have advanced 3.82 per cent for the week, reporting their third consecutive weekly gain. The yellow metal is undoubtedly one of the safest assets to invest in. In the long run, it tends to give positive returns. We find out whether it is the right time to invest in gold.

On International Literacy Day 2025, debunking common credit card myths helps improve financial literacy as responsible usage boosts credit score, avoids debt traps, and unlocks rewards, cashbacks, and long-term benefits.

EMIs are crucial for loans and purchases during festive seasons. No-cost EMIs allow interest-free payments but may include hidden charges. It's vital to assess your budget, interest-free periods, and terms before choosing this option to avoid overspending and hidden costs.

Personal loan: When the market is down, selling securities could lead to wiping out all the gains which you earned but remained unrealised.

Fed rate cuts affect your investments in several ways but aren't a reason to overhaul your portfolio entirely. Some tweaks at the margin are all you need.

Personal loans for relocation help cover deposits, travel, and housing setup with flexible repayment options, ensuring a smooth transition to a new city while protecting savings and maintaining financial balance.

A study shows that a rule-based withdrawal strategy allows you to retire with less expenditure cover, but with some trade-offs.

Investing with proper direction not only helps a person build a seamless financial plan but also avoids trouble in the future. Here are some thumb rules an investor must know to invest smarter.

A P2P lending platform facilitates loans between individual borrowers and lenders. They report a borrowers loan repayment data to credit bureaus. Timely loan repayment to a P2P lending platform helps borrowers build/maintain their credit score. Any repayment delay/default damages the credit score.

Income Tax: To get the visa of some countries, to apply for personal loans and to claim accident insurance claims ITR doubles as an important document even if the tax liability is nil at the time of filing of return

Checking your credit score for free is key to financial stability as it influences loan approvals, interest rates and borrowing power while helping identify report errors and improve creditworthiness.

Indian investors face a monumental hurdle in filing crypto taxes, but a new wave of automated tax platforms is finally bringing order to the chaos.

Investing in debt mutual funds is complex, carrying risks like interest rate, credit/default, and concentration risks.

A credit card limit shapes spending behaviour, credit utilisation, and overall financial health. Managing limits responsibly helps maintain strong credit scores and unlocks access to loans and premium credit cards.

For developers who outsource procurement, the reduction in cement GST may not lower apartment prices, as the tax cost was already mitigated through input tax credit. Is there a legal or moral obligation to pass on savings arising on account of lower tax outflow on procurements to buyers?

With the GST exemption on retail health and life insurance policies, many policyholders are weighing their options. Should they defer premium payments until 22 September to take advantage of the benefit? Will those who have already paid multi-year premiums be eligible for a refund? Mint decodes

The phenomenon of starting to invest early for wealth creation is known as compounding. Warren Buffett calls compounding as a snowball which when rolling down a long hill -- picks up more snow as it gains momentum until it becomes a massive snowball.

With a data-driven approach using BlackRocks Aladdin software and insights from human fund managers, Jio BlackRock CEO Sid Swaminathan shares the AMC's plans to disrupt the mutual fund industry

One should keep checking the credit score from time to time so that if there is an anomaly, it can be flagged and rectified.

A common mistake taxpayers make is opting for the incorrect tax return form. For instance, instead of ITR-2, a taxpayer may choose ITR-1, or vice versa.

e-NPS is more suited for those who understand the ins and outs of the NPS. However, for the majority of subscribers, points of presence (PoPs) are more suitable, as they provide a better user experience.

This new platform RewardPoints.Club promises to find the perfect card tailored to one's lifestyle and spending patterns.

A loan against fixed deposit is a secured borrowing option where your fixed deposit serves as collateral. Most banks and NBFCs offer this facility to FD holders, allowing depositors to borrow a certain percentage of the deposit amount

Mutual funds: Rather than chasing returns, investors are supposed to align their investment to their financial goals.

Personal loans are increasingly used for financing home appliances, offering flexibility and quick access to funds, but borrowers must compare costs, explore alternatives, and plan repayments carefully.

Smart personal loan repayment strategies help borrowers maintain financial discipline, avoid debt traps, and safeguard credit scores while leveraging technology and responsible practices for a healthier borrowing experience.

A portfolio of 3-4 credit cards, with one each for UPI spends, brand/category with high spends, all other spends, etc., can provide an optimum return on overall spends in all categories. Multiple credit cards, when used judiciously, can help maintain or increase the credit score.

We list out five travel credit cards which offer maximum rewards and cashbacks to the users. However, whether a card is good or not depends entirely on your individual circumstances

Improving your credit score fast requires smart habits like timely repayments, low utilisation, secured cards, and regular report checks, enabling young borrowers to access loans and credit cards with better approval odds.

The Ministry said that the Central Civil Services (Implementation of the Unified Pension Scheme under the National Pension System) Rules, 2025 will cover various topics.

A credit score lays the foundation for access to opportunities as youngsters step into adulthood.

Following AMFIs annual general meeting, Nippon Life India Asset Management CEO Sundeep Sikka has been elected as the association's chairman, while Vishal Kapoor, CEO of Bandhan AMC, has been elected as vice chairman.

Some people tend to borrow money from a number of lenders, including banks and NBFCs. We give a lowdown on this phenomenon.

If someone had invested 1 lakh in ICICI Prudential Mid Cap Mutual Fund, it would have swelled to 29.50 lakh, delivering a return of 17.64 per cent per annum.

A loan rejection doesnt directly affect your credit score. Learn how inquiries, multiple applications, and RBIs new rules shape your credit health.

Income Tax: Application for condonation of delay in filing of Form 10A was enabled on 1 September at the e-filing portal