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Mutual fund selection goes beyond checking past returns and star ratings. Before investing, investors should look at how the fund house operates, whether the manager stays true to their strategy and what the portfolio reveals about the fund.

One in two urban Indians advocates initiating retirement planning alongside their very first paycheque.

Good businesses do not always make good investments. Strong earnings growth can be offset by falling valuations, leaving investors with poor returns. Heres how de-rating happens and the warning signs investors often miss. 

India's UPI could bridge traditional finance and crypto, simplifying the movement of rupees into digital assets. Coinbase India plans upgrades to enhance payment efficiency, facilitating seamless transfer between banking and crypto. 

UPI MDR rules are set to apply from 15 October 2026, with different charges based on transaction value, merchant category, and payment type. Heres a look at how the framework works and what merchants and consumers need to know.

Under new rules effective from 15 October 2026, ordinary customers wont pay merchant processing fees on UPI transactions. There's no need to pay extra charges; 5 times payments remain free despite new government rules.

New data reveals urban Indians are losing faith in traditional savings targets while racing toward early retirement.

The West Bengal government has started distributing the September tranche of 3,000 under the Annapurna Yojana to 1.58 crore beneficiaries, marking an increase of nearly 10 lakh since August. 

PMAY-U 2.0 aims to support 1 crore additional urban families by 2029, offering assistance for building, buying, or renting a home and an interest subsidy on eligible loans. Heres what urban households should know about eligibility, assistance, and applying.

The 2026 US midterm elections will influence legislative actions for the next two years. However, immediate financial impacts on taxes, Social Security, and retirement may be limited, with a greater focus on 2028 for potential changes.

Your credit score can fall even with perfect EMI payments. High credit utilisation, frequent loan inquiries, closed old cards, and reporting errors all matter. RBI's new fortnightly credit reporting rule (from January 2025) also means that changes will be reflected faster than before.

Owning multiple stocks does not always mean a diversified portfolio. Indian equity, gold, debt, and US equity have historically shown different correlations. Here's what investors should know about how asset classes can behave differently and why it matters.

Bandhan Small Cap Fund attracted 2,187 crore in August, the highest inflow among small-cap schemes, as it reshuffled several existing holdings and added four new stocks. Cyient, P N Gadgil Jewellers and Strides Pharma were among the stocks where holdings increased.

EPFO has launched an official WhatsApp channel for sharing provident fund, pension and scheme-related updates. Heres how members can follow the channel and which services still require the EPFO portal or UMANG app.

The September 30, 2026 deadline for filing tax audit reports for AY 2026-27 is nearing, while several CA and tax professional bodies have asked the government to extend it to October 31. No CBDT extension has been announced yet.

The argument that the cost of innovation needs money doesn't really warrant a percentage of transaction. Technology costs should come down as transactions grow.

SGB 2019-20 Series IV investors can prematurely redeem their bonds at 15,173 per gram on September 17, 2026, taking the value of a 1 lakh online investment to about 3.95 lakh, excluding interest. The bond has delivered a 295.13% absolute gain on the discounted issue price.

A Mumbai ITAT has quashed a reassessment involving 1.24 crore of bitcoin sale proceeds after finding that approval to reopen the AY 2018-19 assessment came from the wrong authority under Section 151. 

Gold and silver prices remained volatile on September 17 after the US Federal Reserve raised interest rates by 25 basis points, with global bullion prices recovering after the previous sessions fall. Check the latest gold and silver rates in Delhi, Mumbai, Bengaluru, Kolkata, Hyderabad and Chennai.

A Delhi ITAT ruling has given relief to a taxpayer whose accountant mistakenly selected the old tax regime in ITR-1 even though tax had been computed under the new regime. The tribunal directed the AO to compute the taxpayers liability under the new regime.

Starting 15 Oct, UPI will introduce a capped merchant fee on transaction values above 2,000, while remaining entirely free for consumers and most small vendors. The policy shift provides a sustainable revenue model to upgrade digital infrastructure and align UPI with global payment standards.

It is important for residents to complete their due diligence and secure adequate safeguards before handing over possession of the existing building to the builder

A lower EMI does not necessarily mean a cheaper loan. Before choosing between a credit card EMI and a personal loan, calculate the total amount payable under both options.

New UPI rules effective October 15 introduce a 0.4% fee for merchant transactions above 2,000. While some costs may rise for consumers, person-to-person transfers remain free. Subscriptions via UPI AutoPay wont incur additional charges, protecting users from unexpected increases.

A zero-copay health insurance policy reduces hospitalisation costs but often comes with higher premiums. It's crucial to compare coverage, premiums and potential expenses before selecting one.

On September 17, Prime Minister Modi's birthday, 3,000 will be credited to 1.58 crore eligible women under the Annapurna Yojana. 

The Union Cabinet raised the EPFO wage ceiling from 15,000 to 25,000, potentially increasing the life insurance cover under the EDLI scheme from 7 lakh to an estimated 10.5 lakh. This change could benefit between 50 lakh and 1 crore new EPFO members.

Transferring capital from an NRO account to an NRE account is fully permitted, but it remains strictly regulated by tax and foreign exchange rules.

Creating an effective emergency fund involves assessing essential expenses and estimating recovery time based on personal situations. 

Succession planning for account access, earnings, intellectual property and commercial agreements is essential.

The 8th Central Pay Commission will visit Bengaluru on October 7-8, meeting with employee unions and pensioner associations to discuss various demands. Chaired by Justice Ranjana Prakash Desai, it aims to release final recommendations by May 2027.

The EPFO wage ceiling has been raised to 25,000, bringing an additional 51 lakh employees under mandatory provident fund cover, and widening social security coverage for workers. Today, we calculate how this can impact your pension payout.

An NRI in Singapore for 12 years visited India to manage inherited assets after their mother's death. They anticipate a three-month stay and are questioning whether it will make their Singapore salary taxable in India. 

The debate over UPI transaction fees reignites as the government announces merchant charges on transactions over 2,000. Here's what some industry leaders said about the move.

Debt funds and FDs may face the same slab-rate taxation, but they differ significantly in return certainty, liquidity and market risk. FundsIndia CEO Rishabh Garg explains when investors should favour the certainty of FDs and when short-duration or liquid debt funds may fit better.

While the new MDR introduces another cost for UPI investments, a mutual fund investor will not directly pay the fee or see it deducted from the investment amount.

BIS has raised the hallmarking fee for gold jewellery to 75 per article from 45, while keeping the silver fee unchanged at 35, effective 14 September 2026. The increase comes ahead of the festive season, but it does not automatically mean buyers will pay 30 more for every gold jewellery article.

NPCIs new UPI MDR framework from 15 October will impose a 0.4% charge on select merchant transactions above 2,000, but consumers will continue to make UPI payments for free. NPCI has also clarified that there will be no monthly cap or platform fee for users.

AI tools and cloud storage are emerging as a new category of recurring household spending, but experts say users should regularly assess their utility, avoid overlapping subscriptions and protect personal data.

A Mumbai ITAT ruling has deleted a 23.94 lakh penalty imposed on a taxpayer who had omitted 38.37 lakh of cash deposits from his original ITR but disclosed the income during scrutiny and paid the tax due. 

Nithin Kamath, Zerodha co-founder, backed Merchant Discount Rate (MDR) on UPI, calling it inevitable and saying it could boost competition. But he flagged the cost burden on brokers, suggesting a 0.02% MDR capped at 5-10, rather than 300.

US Treasury and Japanese bond yields can ripple through equities, currencies, commodities and even domestic borrowing costs, making global rate moves relevant to Indian families planning for long-term financial goals.

Credit card cashbacks, referral bonus or proceeds from selling an old phone online may all put money or benefits in your hands but the tax rules differ. Here's all you need to know.

What would it cost to run an investment app that adds 200 crore to wallets for stock and derivative trading / invested into mutual funds every day? INDmoney CEO explains

Gold prices in India rose nearly 0.65% today amid US-Iran conflict uncertainties. Check retail rates of both gold and silver in top metro cities of India today. 

UPI will introduce MDR on select merchant payments above 2,000 from 15 October, but the new charge does not apply uniformly to all UPI transactions. Mutual fund SIPs through UPI AutoPay remain outside the prescribed MDR, while one-time capital-market payments get a lower 0.02% rate.

From 15 October, NPCI's new MDR policy will apply to certain UPI transactions. Here's how the merchant charges compare with credit card and debit card fees, and credit-linked UPI. 

A postgraduate medical student received 18.34 lakh as a stipend from Aligarh Muslim University, but the Income Tax Department treated it as taxable salary. The Delhi ITAT held that the stipend was linked to her education and compulsory residency training and allowed the Section 10(16) exemption.

JP MORGAN-INVESTMENT BANKING/ (PIX):JPMorgan expects investment banking, trading to shine in third quarter

Indias income pyramid is shifting rapidly, with millions of households moving into higher-income brackets. As earnings rise, spending patterns, savings, and investment behaviour are also changing.