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A joint home loan can help spouses increase their borrowing eligibility by combining their incomes, while also allowing them to share EMI payments. But higher eligibility does not mean couples should borrow the maximum, as both borrowers share the repayment responsibility.

NPCI CEO Dilip Asbe said the new Merchant Discount Rate is unlikely to materially affect UPI transaction volumes, with the additional revenue expected to be reinvested in payment infrastructure and technologies such as soundboxes and AI.

Banks in India will close for multiple days in October due to holidays, including national and regional observances. The RBI's holiday calendar outlines numerous non-working days affecting banks across various states.

IRDAI has proposed rules with the aim of providing clearer choices for borrowers considering insurance cover for their loans. Check full details here.

Corporate NPS offers tax benefits, low costs and long-term returns, yet only 56% of eligible private-sector employees participate. The answer may lie in changing one thing: the default.

Buying a luxury car is not just about comparing the price of a new model with a pre-owned one. Buyers should consider depreciation, loan interest, insurance, maintenance, warranty, repair costs and resale value to understand the actual cost of ownership.

IRDAI has proposed commission claw-back when an insurance policy is found to have been mis-sold. The proposal also seeks to link salespersons to policies they sell and make mis-selling records publicly available, giving consumers more information before buying insurance.

Bank unions (UFBU) plan a 3-day strike (Sept 28-30) demanding a five-day banking week and pension reforms. Banks will stay open on Sept 27 (Sunday) to offset disruption. Strike coincides with half-yearly closing on Sept 30, a key date for provisioning and treasury operations.

Buying an old property with a home loan requires more than checking the price. Buyers should verify title, registration, encumbrances, construction approvals, structural condition, repair costs and whether the property meets lender requirements before proceeding.

Manoj Devshi Chhadva, a tenant in a Mumbai housing society, received two flats valued at 1.38 crore for surrendering his tenancy rights. He got a tax notice and later challenged it. Here's why he won the case.

From 1 October 2026, resident individuals and HUFs buying immovable property from non-residents will no longer need to obtain a separate TAN for TDS. They can use their PAN and file the new Form 141, simplifying the tax reporting and payment process.

Gold and silver prices in India dropped slightly during early trading hours on Thursday. Check retail rates of the precious metals in top metro cities of the country.

IRDAI has proposed changes to motor insurance distribution that could alter how new-vehicle buyers purchase insurance. It proposes digital purchase options through platforms such as Bima Sugam, tighter rules for motor dealers and lower commissions on mandatory third-party motor insurance.

The RBI mandates that lenders complete loan closure formalities, including returning documents, within a specified timeline after repayment. Here's when you can claim compensation. 

Ahmedabad ITAT upheld a 14.85 lakh addition in a share-trading case after finding that transaction records alone did not establish the genuineness of gains from Kushal Tradelink shares. The tribunal, however, sent the taxpayers separate 40.74 lakh long-term capital-loss claim back to the CIT(A).

The Ministry of Finance will disburse salaries and pensions for September 2026 on the 25th due to a nationwide bank strike from September 28-30. This affects Central Government employees and pensioners, including those in Defence and Posts & Telecommunications.

SBI Card has launched a new secured credit card linked to a fixed deposit, available for online applications via the SBI YONO platform in just 10 minutes, aiming to assist customers in building or enhancing their credit history.

Recently, an advocate from Ahmedabad sent a legal notice to PVR INOX over its cashless policy. According to experts, private businesses can skip cash and insist on digital payments. Here's what the company's policy says.

Nidhi Aapke Nikat is the provident and pension fund body's last mile monthly outreach programme for members, under which it organises camps across India on a district level.

The government has notified October 1 as the date from which contributions under the Employees State Insurance Act, 1948, will become payable in the areas covered by the order in Madhya Pradesh.

The biggest wealth strides in the M3M Hurun India Rich List 2026's top 100 were made by individuals from industrial and diversified businesses. And the biggest new entrant on the 2026 list is Renuka Jagtiani of Landmark Group, with wealth of 70,500 crore. 

The rules spell out eligibility requirements, employee and government contributions, pension calculation, lump-sum benefits, minimum and maximum pension provisions, VRS rules and the process for switching from UPS to NPS.

John C Bogle's investment philosophy centres on simplicity: own less and stay patient. Check out these 5 money lessons from the book.

The 8th pay commission will conduct state visits in October to meet with employee and pensioners representatives and stakeholders to discuss recommendations for over 1 crore beneficiaries. It is expected to make an announcement by May 2027.

DA row: The Punjab and Haryana High Court has directed the state chief secretary to appear before it on 5 October for not complying with its previous order regarding payment of pending DA arrears of state employees and pensioners. 

Tax benefits for co-owned properties should not be seen as a hack to maximise tax between spouses, but rather should depend on the actual contribution of each co-owner.

Do smallcap stocks deserve a bigger role in your portfolio and are you are prepared for the risks that come with them?

Before buying a house, buyers should calculate their sustainable EMI, down payment, existing debt, upfront costs and emergency fund rather than relying only on the loan amount a bank is willing to offer. 

Buying property below its stamp duty value does not automatically mean the price difference is taxable. A recent Pune ITAT ruling clarified that the 10% tolerance limit can protect buyers from tax implications.

New railway pension rules provide family and disability benefits to eligible NPS-covered employees in specified cases. Depending on the circumstances, families can receive 60% or 100% of the employees pay as pension, while disability cases may qualify for additional benefits.

Your investments may be spread across banks, mutual funds, demat accounts, insurance policies and multiple apps, making them difficult for your family to trace after your death. Experts suggest maintaining a consolidated asset inventory, keeping nominations updated and having a will to help heirs.

8th Pay Commission: Bharat Pensioners' Samaj demands that the pension commutation restoration period be reduced from 15 to 11 years, citing an outdated 2006 actuarial table, following a Himachal Pradesh HC ruling calling for a fresh review of rates and life expectancy data.

Indias premium preschools are selling specialized learning methods at a steep markup. What are parents actually paying forand can the spending be sustained through a childs education?

An emergency fund should prioritise liquidity and stability over returns. Santosh Agarwal of Paisabazaar explains how savings accounts, sweep-in FDs and debt funds can play different roles in an emergency corpus, and the risks investors should consider.

Gold and silver prices today, 23 September: 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 Mumbai ITAT deleted a 1.93 crore tax addition on Toyam Industries gains after finding that the taxpayer had produced a transaction trail but the Revenue had not shown specific evidence linking him to alleged price manipulation. 

The 8th Pay Commission is reviewing salaries, pensions and allowances for central government employees and pensioners. Here are key FAQs on fitment factor, minimum basic pay, pension revision, DA merger, implementation date and upcoming consultation meetings.

BHIM Payments App has introduced MyUPI, an AI-powered assistant offering 24x7 support for UPI transactions, complaints, Autopay mandates and safety controls. Available in five languages, MyUPI also enables transaction replay, payee verification, UPI Number de-linking and fraud-awareness assistance. 

A Bengaluru ITAT ruling shows that missing Form 67 does not automatically extinguish a genuine foreign tax credit claim. A taxpayer who earned 14.42 lakh in Belgium and paid 4.53 lakh tax there was given another chance to prove his 3 lakh FTC claim despite a 1,687-day appeal delay.

Gen Z is emerging as a major crypto investor group in India, accounting for around half of new registrations in H1 2026. A new report shows that Indian investors bought around 7% more crypto than they sold.

Chanakya's Arthashastra offers timeless insights into wealth and budgeting. Here are 5 investment lessons that are still relevant in 2026.

Form 141 is the new unified challan-cum-statement for specified TDS transactions under the Income Tax Act 2025. Know who needs to file it, which transactions it covers, the applicable deadlines, and how to submit the form.

Indian households financial savings mix is changing, with mutual funds seeing the sharpest rise in inflows over three years. Equity has also grown from a small base, while deposits remain the largest avenue. Life insurance and small savings have seen weaker or uneven flows.

NPS Vatsalya, allows parents or guardians to open and operate a pension account for minor(s) till they become an adult. Today we take a look at how the subscribers can access grievance redressal online.

The move is in line with an existing strategy at Gulf state oil companies of offering outside investors pieces of their businesses while retaining operational control and largely avoiding opening up their main oil-producing divisions

Gifted money or assets between spouses do not always shift the tax liability to the recipient. Under clubbing rules, income from assets transferred without adequate consideration can be taxed in the transferor's hands. Here's when the rules apply and what taxpayers should report.

EPFO: Members can add nominee(s) for their provident fund account either online or offline. Here's the top FAQs, eligibility and stepwise guide to file e-nomination and who is considered a valid nominee. 

Specialised Investment Funds (SIFs) are gaining traction, with some strategies delivering strong returns despite the category being relatively new. Quant Mutual Funds qsif led the six-month return chart with a 34.78% gain, while equity-oriented SIFs posted mixed one-month returns. 

The story of Mr Cohen and his four sons illustrates varying investment strategies. From traditional saving to advanced leveraging and collaboration, this shows that a financial mindset and creative use of resources drive wealth.

The 8th CPC is scheduled to be in Mumbai next month to host discussions and meetings with employee unions, representative groups, pensioner associations, federations, and other stakeholders.