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Insurer offers a higher cover at a nominal premium. Should you take it?

There is limited incremental benefit of getting the extra coverage in the base plan, given your current structure. For the incremental sum assured purchased in the base plan, the waiting period would be reapplied.

23 Oct 2025 2:57 pm
How can HUFs acquire, own, and transfer property in India? All you need to know

HUF and HUF assets differ; an HUF can exist without owning assets. Gifts from non-family can benefit HUF, and members can contribute personal property. Succession laws changed post-2005, allowing legal heirs to inherit. Full partition is required for tax recognition.

23 Oct 2025 2:42 pm
Mint Explainer: Indias 20-trillion expressway revolutionthe next Golden Quadrilateral

A faster, smarter expressway grid aims to transform connectivity, logistics, and regional growth across India redefining mobility by 2030. Mint explains.

23 Oct 2025 1:18 pm
Why this money manager says avoid direct investing route for mid- and small-caps

Investing in mid- and small-cap stocks requires a higher level of diligence, which retail investors may not manage, says Pankaj Tibrewal, founder and chief investment officer of Ikigai Asset Manager.

23 Oct 2025 1:03 pm
Indian steelmakers have a problem: weak demand + high inventories = low prices

Steel prices in India have dropped to a nine-month low for hot rolled coils and to the lowest since November 2020 for rebars. Analysts predict continued pressure on prices due to weak demand and high inventories, with recovery dependent on construction activity in the third quarter.

23 Oct 2025 1:01 pm
PF withdrawal rules change: For once, the EPFO has struck the right balance

The concerns over PF withdrawal rule changes are misplaced and stem from a flawed understanding of the EPF objectives.

23 Oct 2025 12:07 pm
THESE credit cards give tempting offers of cashbacks, reward points to online shoppers; check list here

We list out some credit cards that are effective in giving cashbacks and reward points for online shoppers

23 Oct 2025 10:08 am
Bank holiday on Bhai Dooj 2025: Are banks closed for Bhratridwitiya on October 23? Check details, holiday list here

Bank holiday on Bhai Dooj 2025: Several regions across the country will observe a bank holiday today. For the full lisy check here. In the upcoming week, banks will observe closures on October 27 and 28 across many states for Chhath Puja related festivities.

23 Oct 2025 9:19 am
Mutual funds: Want to save 50 lakh in the next 10 years? Here's how much you need to invest in SIP

Mutual funds: If your investment is growing at the rate of 10% per annum, you need to invest 24,408.70 every month to accumulate 50 lakh in a decade.

22 Oct 2025 11:17 pm
Income Tax: Made a mistake while filing your ITR? You can still file an updated return

Income Tax: If you happend to commit a mistake in filing your income tax return (ITR), you can still file an updated return

22 Oct 2025 7:00 pm
How NRIs are taxed on gains from Indian equity investments

Long-term gains on listed shares attract 12.5% tax, while short-term ones are taxed at 20%; DTAA relief may reduce liability.

22 Oct 2025 5:44 pm
From the Masai Mara to Diani Beach: This Mumbai group shares the secret to a budget Kenya trip

Three college friends travelled in July 2025, during the peak Great Migration season, spending nine days across Nairobi, Masai Mara, Lake Nakuru, and Diani Coast.

22 Oct 2025 5:33 pm
The OTT squeeze: Why creators are fleeing to YouTube

YouTube has also become the preferred launchpad for a few content and filmmakers, including Aamir Khan, who chose the platform to release his film, Sitaare Zameen Par. In this deep dive, we chronicle the quiet shift playing out in the streaming industry.

22 Oct 2025 5:27 pm
India introduces standards for NavIC location receivers as it looks to replace Americas GPS

The new framework, developed by Bureau of Indian Standards, will ensure that all NavIC-compatible devices consistently meet accuracy, testing and performance benchmarks, paving the way for large-scale commercial integration.

22 Oct 2025 5:00 pm
PPF withdrawal: How to withdraw from public provident fund account before maturity steps, key rules explained

The PPF is a long-term savings option in India, facilitating partial withdrawals after five years. Investors must submit Form C to their bank, along with their PPF passbook to access funds.

22 Oct 2025 4:41 pm
Personality rights protection is easy to order but hard to enforce, experts say

While India courts have been quick to grant injunctions protecting the personality rights of several Bollywood personalities in recent months, lawyers Mint spoke to said the real battle lies ahead as these orders require constant monitoring to enforce.

22 Oct 2025 4:38 pm
Credit report errors? Heres how to take back control of your credit history

Understanding credit reports is crucial for borrowers seeking loans. With digital access, obtaining a credit report annually is easy. Regular monitoring ensures accurate credit history, which affects borrowing terms and interest rates. 

22 Oct 2025 4:05 pm
Beyond returns: The hidden ratios that reveal a funds true potential

Dont chase past performance look under the hood. These key ratios reveal how efficiently your mutual fund takes risk, manages churn, and beats the benchmark.

22 Oct 2025 3:27 pm
Term insurance tailored for her: Bajaj Allianz Superwoman and Tata AIA Shubh Shakti

Insurance companies are experimenting with women-specific term plans, opening access to homemakers otherwise excluded for lack of income. Are they the right choice for women?

22 Oct 2025 3:01 pm
India's largest e-bus tender under PM E-Drive scheme deferred again amid lack of state infrastructure, high bidding cost

During the initial discussions, busmakers had flagged that the earnest money of over 312 crore to be deposited to participate in the tender for all five cities was too high. Additionally, some of the tender conditions were too stringent.

22 Oct 2025 2:02 pm
Strategies to keep your mutual fund portfolio balanced and unique

A robust portfolio is characterized not by numbers but by purpose.

22 Oct 2025 1:44 pm
Is a corporate credit rebound around the corner? Yes, say banks taking early bets

Both private and public sector lenders report stronger pipelines and improved disbursements, signaling a potential turnaround in the second half of the fiscal year.

22 Oct 2025 1:35 pm
Personal loan: What is refinancing and why does it matter?

Refinancing is common when you want to save money over a period of time by lowering your total interest. For example, your credit score has improved since the original loan, improving your chances of raising a loan on convenient terms

22 Oct 2025 10:28 am
FD rates: THESE 8 banks offer upto 7.1% interest on fixed deposits to senior citizens

We list out highest fixed deposit interest rates offered by banks (both private and government-run) to senior citizen depositors.  

22 Oct 2025 10:15 am
How executive pay is widening Indias corporate class divide. A story in charts

C-suite median pay soared 50% since FY19 to 4.2 crore, with seven of the top 10 executives receiving steeper raises than their employees

22 Oct 2025 10:08 am
When should you avoid using a credit card, even if it seems convenient?

There are certain scenarios in which you could avoid using credit card for making payment. We list those scenarios here

22 Oct 2025 9:39 am
Diwali bank holiday: Are banks open or closed on Wednesday, October 22 for Govardhan Pooja? Details here

Diwali bank holiday: Banks will be closed on October 22 in several cities for Diwali and related festivities, as per the RBI's holiday calendar. 

22 Oct 2025 7:29 am
Rooftop solar for your home: Is it worth spending on to cut your power bill?

Rooftop solar systems provide a sustainable solution to high summer electricity bills, helped by government subsidies. While independent homeowners have seen savings, apartment residents face challenges. The scheme benefits high-consumption users.

21 Oct 2025 9:02 pm
What is UPI Help? All about the AI-powered support for digital payments

UPI now processes around 20 billion transactions every month and is one of the most popular modes of payment in India.

21 Oct 2025 8:19 pm
How to plan inheritance for children from two marriages

The will provides a clear legal framework for asset distribution post lifetime, while the trust acts as a long-term asset management and protection tool.

21 Oct 2025 7:37 pm
Five Diwali shopping hacks to avoid the credit card debt hangover

This Diwali, let joy and mindful credit card practices go hand in hand. The urge to splurge on yourself and your loved ones is natural. But no celebration is worth months of EMI burden.

21 Oct 2025 5:27 pm
Beyond loans and credit cards: From better marriage prospects to jobs hidden benefits of a high credit score

A high credit score has numerous advantages beyond easier loans and credit cards. It may come in handy when raising funds from investors, at the time of tying the knot and when joining hands with a business associate. 

21 Oct 2025 5:11 pm
India-Japan Fund to deploy $600mn in three years; focus remains green, cross-country manufacturing

India-Japan Fund has invested over a third of its $600 million capital focusing on companies with environmental impact and those active in the India-Japan manufacturing corridor. After the recent EKA Mobility deal, fund head Krishna Kumar says plans are to fully deploy funds in three years.

21 Oct 2025 4:06 pm
Tax claims in India by foreign companies without office or active contracts valid: Supreme Court

A recent Supreme Court ruling allows foreign companies to claim tax deductions and carry forward losses even during inactive periods, provided they maintain a business connection in India. While clarifying benefits for MNCs, it also increases their exposure before the tax department, say experts.

21 Oct 2025 1:15 pm
Should you sell shares back to the firm? The buyback tax has changed the math.

Under the new tax rules, any amount received by a shareholder from a share buyback is taxable as dividend income.

21 Oct 2025 11:50 am
Muhurat trading 2025: A tradition where faith meets finance

As markets open for the symbolic Muhurat session on Diwali, investors across generations blend culture, sentiment, and long-term investing to mark the start of Samvat 2082.

21 Oct 2025 10:03 am
Bank holiday on Diwali: Are banks open or closed on Tuesday, October 21 for Govardhan Pooja? Check here

Bank holiday today: Banks will be closed in several regions on October 21 for Diwali Amavasya, Deepawali, and Govardhan Pooja, as per RBI's holiday calendar. 

21 Oct 2025 6:44 am
Pharma Q2 preview: Steady growth despite US sales pressure, GST rate cuts

Sales in the domestic market are expected to be impacted in Q2 by the revision in GST rates, as distributors focused on de-stocking inventories with old prices and held back on new orders.

21 Oct 2025 5:45 am
In charts: What festive cheer could have in store for these sectors in 2025

Auto, consumer durables, FMCG, paints, and textiles: we pick these five sectors to illustrate the festival season impact on India's economy.

21 Oct 2025 5:45 am
These 5 factors can hurt your eligibility to raise a personal loan

From poor credit score and debt-to-income ratio to loan amount, your eligibility to secure a personal loan depends on a slew of factors, which we have listed here

20 Oct 2025 6:36 pm
Gold prices hit the roof: Should investors ditch mutual funds for yellow metal? Explained

With gold prices going through the roof, should retail investors focus on the precious metal or continue to invest in mutual funds and other asset classes as well? We explain the pros and cons here.

20 Oct 2025 5:47 pm
Diwali 2025: Six money lessons one can learn from the festival of lights

Diwali teaches us to inculcate a number of effective money habits that are beneficial for investors in the short, medium and long term.

20 Oct 2025 3:58 pm
GST rate cut on apparel below 2,500 to boost sectoral revenue by 200 bps: Report

The GST Council, led by Finance Minister Nirmala Sitharaman, had last month rationalised the tax rates on apparel up to 2,500 to 5 per cent. Earlier, clothes below 1,000 had a 5 per cent GST, and those up to 2,500 were taxed at 12 per cent.

20 Oct 2025 3:12 pm
Travelling to Japan? Indian tourists will soon be able to pay via UPI Here's what we know

Indian tourists who are planning to visit Japan will soon be able to make digital payments through their UPI applications, as NPCI signed an MoU with Japan-based NTT DATA. Here's what we know so far

19 Oct 2025 5:15 pm
Lakshmi brings the wealth, but Saraswati spins the strategy: Five money rules to live by

While seeking blessings from Lakshmi this Diwali, dont forget to invite Saraswati, too. These five money principles can help you do just that.

19 Oct 2025 8:00 am
No-cost EMIs and other money mistakes to dodge this festive season

In the excitement of Diwali, Christmas and New Years, people often focus solely on the joy of the moment and forget the financial consequences of overspending. Here's how to protect yourself from harmful financial decisions.

19 Oct 2025 7:00 am
This Diwali, dont just clean your homestreamline your finances for better returns

This Diwali, review your investments and liabilities, eliminating unnecessary items and adding what may be missing.

19 Oct 2025 6:00 am
Your credit card, your identity: 5 crucial tips to protect yourself from fraud

As soon as you come across something suspicious, report the incident to the bank and get the card blocked.

17 Oct 2025 9:36 pm
How debit card EMI impacts your credit score and why timely repayments matter

Debit card EMI functions like a small personal loan, influencing your credit score based on timely repayments, responsible usage, and overall debt management habits.

17 Oct 2025 6:45 pm
Beyond debt consolidation, some creative uses for personal loans you probably did not consider

There are multiple creative uses of personal loan which you probably did not consider 

17 Oct 2025 6:21 pm