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The 8th Pay Commission is reviewing salary hikes and pension structures for central government employees, with various consultations scheduled in 2026. Here's how the fitment factor, DA, arrears and other elements are decided.

Take-home salary to decrease? Effective from this fiscal year, the new labour laws are reshaping how your salary is credited each month with more focus on long term and retirement savings from the government.

Steady wealth creation meets certainty, as 10 lakh FD monthly income highlights how bank rates, tenure choices and geopolitical complications make fixed deposits even more attractive in 2026.

Want to leverage your gold for a line of credit? We explain what gold loan and gold overdraft facility is, what you get you and which is the better choice based on your needs.

A powerful long-term savings plan through Sukanya Samriddhi Yojana (SSY) can help parents build a 50 lakh corpus for their daughter through disciplined monthly investing, tax-free growth, and early financial planning.

The right approach is to work backwards from your financial goals. These typically include major life milestones such as purchasing a house, funding childrens education, marriage, and planning for retirement.

The gold loan market has reached a record 16 trillion, but rising delinquency rates signal emerging credit stress. As market volatility triggers margin calls, experts warn that over-leveraged borrowers risk financial exclusion if gold prices continue to fluctuate.

Estate planning is crucial for family clarity after one's passing. Here's all you need to know about a settlement deed, why it is prepared, how it functions alongside a will, and what key factors to consider before opting for one.

From EPF and NPS to meal allowances and car leases, the new tax regime rewards how your CTC is built.

With the introduction of new labour codes, salary structures are changing, requiring basic pay and allowances to constitute at least 50% of total CTC. This shift could increase taxable income, particularly affecting mid- to senior-level earners in key sectors, according to experts. 

The Rule of 72 shows how various small government schemes, such as PPF, FD, SSY and SCSS, help investors estimate wealth-doubling time, compare returns and plan long-term safe savings effectively.

How to become rich: Using the 15% annual step-up, one can accumulate 55.88 crore in 35 years by saving 30 a day and investing them in monthly SIP

Equity shares or mutual fund units can be transferred within families without capital gains tax if they are gifts. Here are the documents you need to avoid disputes, along with other details.

Power your wealth creation with disciplined investing: a mutual fund SIP comparison between a regular SIP and a step-up SIP with a 2% annual increase shows that compounding builds higher long-term returns.

The National Council-JCM proposes a minimum basic pay of 69,000 for the 8th Pay Commission, aiming to benefit over 50 lakh government employees. Recommendations include higher increments, pay restructuring, and HRA indexing to inflation for better financial support amid rising costs.

Income Tax Rules 2026 have made the old regime more attractive by raising exemption limits. For FY27, salaried individuals must recalculate before choosing between old and new.

PPF, a popular investment in India, offers tax benefits and stable interest rates for conservative investors. Here's how much you need to invest each year to build a 1 crore corpus and how long it takes. 

As of December 2025, outstanding gold loan borrowings surpassed personal loans, totaling 16.8 lakh crore from 4.7 crore borrowers, as per a TransUnion CIBIL report. It also noted increasing ticket sizes and borrower exposure.

The RBIs proposed one-hour payment pause on select transactions aims to curb digital fraud. However, experts highlight potential friction, delayed settlements and challenges to a seamless payment experience.

Under US tax law, individuals who give up citizenship or relinquish a long-term green card (held for eight years or more) may be subject to the exit tax provisions under the internal revenue code

Near-record-high prices are reshaping gold and silver buying decisions for Akshaya Tritiya this year. While pre-booking ensures price protection, it carries risks, making cost evaluation and smarter investment choices essential for aspiring buyers before locking in on any offers. 

An emergency fund is essential for covering unexpected expenses without incurring debt. Build the fund gradually and keep it in safe, liquid accounts. Here's key things to know:

Nomination is mandatory for investors to ensure a seamless transfer of assets after death. However, an investor can opt out of the nomination process. Here's what happens to MF and equity folio if an investor dies without a nominee.

Confusion around PPF investment rules often leads to the misconception that both parents can contribute 3 lakh to a childs PPF account, however the annual PPF investment limit is capped at 1.5 lakh per individual account as per regulatory guidelines, regardless of parental contributions.

Avoid costly errors when choosing a term insurance policy to secure long term financial protection for your family by understanding coverage, riders, disclosures and insurer reliability across different policy offers. 

As the April 15 tax deadline approaches, taxpayers can request an automatic extension until October 15 by submitting a form. However, payments are still due by April 15 to avoid penalties, which can accrue for late filings and unpaid taxes.

With the government boosting AYUSH institutes and medical tourism ambitions, policyholders must check whether Ayurveda and other traditional treatments qualify for cashless insurance cover.

Rising yields after the US-Iran conflict have dragged long-duration debt funds into losses. But fund managers see selective opportunity at the long end of the curve.

Tom Blomfield, founder of Monzo, suggests replacing income tax with a levy on AI infrastructure within five to six years, as AI technology rapidly transforms the job market. 

Avoid pension delays with this step-by-step Digital Life Certificate guide on SPARSH, helping defence pensioners in the country ensure smooth verification, timely payments and hassle-free annual compliance. 

Foreign investors have pulled 1.8 trillion from Indian equities in FY26 a 34-year record. But history suggests such sentiment-driven sell-offs may offer long-term investors rare entry points.

Starting 1 April 2026, new TDS and TCS rules aim to streamline tax processes, reducing errors and mismatches. Key changes include lower TCS rates, simplified property transactions for NRIs, and a unified TDS declaration form to ease taxpayers' paperwork.

Equity MFs, which invest in global markets and ETFs, have surged 55.2% on an average in the one-year timeframe and provided 6.7% returns on an annualised basis so far in 2026

In India, asset transfers are subject to capital gains tax in the year of transfer, with mandatory reporting in ITR-2 or ITR-3. All you need to know about the filing process. 

Smart planning for your retirement is part of fiscal responsibility for the future years. Here's how to ensure your retirement savings can sustain you through cost of living, medical inflation and other risks.

While young investors are considering entering mutual funds, senior investors are looking to make the most of their investments. Here's an explainer on SIPs and SWPs, how they differ from each other, the benefits and considerations.

Smart filing builds compliance strength and financial credibility, even with zero tax liability. Filing a nil income tax return helps secure refunds, loans, visas and carry-forward benefits.

India's new Labour Codes focus on salary structure and long-term savings, according to experts. We ask them if it will also impact your in-hand salary and preferred tax regime. Here's are your questions answered

Smart borrowing for a new car begins with carefully comparing car loan interest rates. In April 2026, leading banks offer competitive rates that vary by interest charges, fees, credit score impact and repayment terms across the country, making comparison essential before choosing any loan offer. 

Car lease fits within the definition of wages under the new labour codes, unlike HRA, LTA, or variable pay, which makes it easier for employers to include it as part of overall compensation.

The public provident fund (PPF) is a top choice when planning your finances for retirement. With guaranteed tax-exemption and a fixed interest rate of 7.1% this quarter it is among the safest investment options in India.

A sharp correction has rattled investors, but five-year gains, currency effects and global comparisons suggest the damage may be less severe than it looks.

ITR Filing: Salaried taxpayers will be able to file their taxes once they receive their Form 16 by 15 June, 2026. As we enter the ITR filing season, it is important to know that the tax laws of India still allow you to claim deductions against capital gains.

The major consultation phase opens as the 8th Central Pay Commission meetings move into stakeholder engagement across Delhi and Maharashtra. These interactions will shape revised pay structures for government employees and pensioners in the country.

To use WhatsApp Banking services of SBI, you need to have your registered number on the bank linked with WhatsApp. Here is how you can register on WhatsApp Banking services and use the benefits.

Credit decisions are shifting towards incorporating ESG data as essential for assessing borrower risk. The RBI's new framework encourages banks to integrate ESG factors into lending practices, impacting MSMEs' access to credit and necessitating robust ESG data reporting.

Assuming you were in India for more than 182 days during FY2526, you would qualify as a tax resident in India. If ii is a short stay in the US, it is unlikely that you would satisfy the additional conditions to be treated as a resident but not ordinarily resident

Senior Citizen FD Rates for April 2026 reveal that top PSU banks are offering up to 7.25%, highlighting safe, stable income options for retirees amid evolving economic conditions and serious geopolitical problems related to the US-Iran war. 

SSY investment: The minimum investment in this scheme is 250 per year, while the maximum ceiling has been capped at 1.5 lakh per year. SSY rate of interest is currently 8.2% per annum.

A 12 crore stock scam exposes the rising cyber-fraud risks in the country, as a Supreme Court AOR warns that awareness remains the strongest defence against increasingly sophisticated financial traps.