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Earning a good salary does not always translate into building wealth. Ankur Warikoo highlights five money habits that could be keeping you poor, from not budgeting and taking high-interest debt to delaying investments. Here is how to fix them.

Gold, silver prices today in Hyderabad, 31 October for investors: What are latest prices per kg and per 10 gms in Charminar City? We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Chennai, Delhi, Hyderabad, Kolkata, and Mumbai.

The 8th Pay Commission is expected to submit its report by May-June 2027, tentatively. Read on to know what happens next, how the Centre will examine salary and pension recommendations, and when central government employees may receive revised pay and arrears.

Sovereign Gold Bonds: The RBI has fixed the premature redemption price of Sovereign Gold Bonds (SGB) 2021-22 Series VII at 14,167 per gram. Investors redeeming their bonds can earn capital gains of nearly 200% over the original issue price. 

Gold, silver prices today, 31 October: Check the latest prices and up-down movement for precious metal investors in Garden City. We also bring retail prices of 18K, 22K and 24K gold and 999 Fine silver across cities Chennai, Delhi, Hyderabad, Kolkata, and Mumbai.

The RBI may begin a pilot of polymer 10 and 20 notes on April 1, 2027, keeping their dimensions unchanged to avoid costly ATM adjustments. The trial will assess durability, public acceptance and operational feasibility; polymer notes would circulate alongside paper currency.

Andhra Pradesh pension update: The State Election Commission (SEC) has allowed social security pension payments to existing beneficiaries during the Model Code of Conduct (MCC), but has prohibited new enrolments, pension increases, and revisions until the election code remains in force.

Only bank branches in Shillong will remain closed on Nov 2 for the Nongkrem Dance Festival. Even Saturday is working for bankers across the country this festive week.

Banks in Gujarat are closed today 31 October, despite it being the fifth Saturday of the month. Is the closure limited to Gujarat or are banks in other states also shut? Check the state-wise holiday details and PM Modi's Gujarat visit.

Central government employees may see DA rise to 67% in January 2027 from the current 63%. Understand the AICPI-IW calculation, basic calculation formula, expected increase and whether this could be the last DA hike before the 8th Pay Commission recommendations are implemented. 

PFRDA has introduced the UPS Jeewan Setu - Digital Life Certificate facility to simplify annual life certificate submission for pensioners under the Unified Pension Scheme. Heres how the new Aadhaar-based facility works, where pensioners can access it, and what deadline they need to keep in mind.

PNB credit card charges will change from November 1, 2026, for Visa and RuPay users. Check revised ATM withdrawal fees, late payment charges, utility bill transaction fees, reward point redemption costs and other important changes affecting cardholders.

Bank branches across India will remain open on Saturday, 31 October 2026, as it is the fifth Saturday of the month. However, a state-specific holiday will affect banking operations in certain regions. Check city-wise closures for SBI, HDFC Bank, ICICI Bank, and others.

As AI automates resume sourcing and initial interviews, recruitment firms are shifting toward senior hiring and re-evaluating traditional billing models.

The proposed curbs could erode more than half the bancassurance income at some small and mid-sized lenders, with losses reaching as much as 70% in certain product categories.

The court has imposed a penalty of 25 lakh on the builder and directed them to deposit the amount into the account of the Gulmohar Greens Residents Welfare Association within one month.

Diwali celebrations can increase the risk of fires from diyas, candles, firecrackers and electrical faults. Here's how to financially protect yourself from such incidents.

Noida Authority has amended its Master Plan 2031 to create space for pending 5% residential plots for farmers. Nearly 13,000 claims remain unresolved, but public objections and state approval are still required.

The 8th Pay Commission has completed its scheduled Mumbai meetings. Several organisations have proposed annual increments above the current 3%. Here's what a 7% annual increment means for level 9, 10 and 11 employees?

The expansion of renewable energy capacity, rapid urbanisation and rising electricity consumption from data centres are expected to create significant investment opportunities across the power transmission and electrical equipment sectors.

Microsoft's reported buyout offer to around 60,000 employees across India, the US, the UK and Canada raises questions about voluntary separation, severance payments and employee rights. Here's what Indian workers should know before signing an exit agreement.

A passenger booked a train ticket for a journey on August 20. He cancelled the ticket more than 48 hours before the journey. Here's what happened next.

The government transferred 18,690 crore to more than 9.34 crore farmers in PM-KISANs 24th instalment. Payments are made directly to bank accounts after state verification, Aadhaar and bank validation, PFMS checks and approval, as per the central govt.

Bengaluru recorded 11.5% annual growth in prime office rents in Q3 2026, matching Tokyo, while Mumbai saw a 33% jump in leasing transactions, with year-to-date volumes already exceeding its full-year 2025 total, according to Knight Frank.

Banks in Ahmedabad will remain closed on October 31 for Sardar Vallabhbhai Patels birth anniversary, though banks elsewhere in India will remain open. Details here.

Trais draft AI governance guidelines seek board-approved AI policies, risk-based classification, human oversight and mandatory reporting of serious AI-related incidents, while holding telecom operators accountable for outcomes even when systems are sourced from third-party vendors.

The National Social Security Board will design, monitor, and recommend targeted welfare schemes for the informal workforce in India. It is for unorganised, gig and platform workers.

A DA and DR hike from 60% to 63% will benefit central government employees and pensioners, with the revised rates effective July 1, 2026. Monthly DA gains vary by basic pay, while HRA remains unchanged because the latest increase does not cross a threshold for revising HRA rates.

As part of its strategy to strengthen its presence in the luxury housing segment, the company has launched M3M Black Circle, an exclusive, invitation-only privilege platform aimed at extending the luxury homeownership experience beyond residential properties

Google workforce rises to 204,757 in September 2026 despite tech sector layoffs; Wiz acquisition adds 2,000 employees

With Indias Nifty 50 down nearly 12% this year, investors are looking abroad, including to US stocks. Here's what Indian residents should keep in mind before putting money in US companies.

SEBI will make direct mutual fund plans the default option on AMC digital platforms from November 1. With regular plans still accounting for 63.3% of retail mutual fund AUM, experts explain why investors choose them and how the new rule could impact them. 

Elon Musk says saving money for the distant future could become pointless as AI and robotics create an era of unprecedented abundance. He believes superintelligent AI could make work optional, drive down the cost of goods and services, and reduce the importance of money.

The decision came after both sides informed the bench led by Chief Justice of India Surya Kant that there had been no progress in settlement efforts.

EPFO invests monthly contributions from employees and employers across government securities, corporate bonds and ETFs. But how does it manage market risks while offering a fixed interest rate? Experts explain its investment process, interest rate mechanism and proposed AIF exposure.

Gold ETFs and EGRs offer two ways to invest in gold without storing it yourself. But how do they differ in ownership, liquidity, costs, and physical redemption? Experts explain which factors investors should consider before choosing this Diwali.

A Hyderabad consumer commission has ordered Square Yards interior business to pay 4.25 lakh to a Secunderabad woman after her flats interiors didnt match approved 3D designs. She moved the commission, which held that firms failed to explain production drawings, amounting to deficient service.

The Centre's 3% DR hike, effective 1 July 2026, will raise Dearness Relief for eligible OPS and UPS family pensioners from 60% to 63%. Here's how the revision will affect monthly family pension payments, the applicable eligibility conditions and examples of the additional amount.

A Kerala consumer commission ordered IRCTC to refund a passenger Re 1 withheld from a cancelled ticket, with 9% interest, 100 compensation and 3,000 in legal costs. It ruled the shortfall amounted to deficient service and an unfair trade practice.

Kota MP Srinivas Poojary urges Maharashtra CM Devendra Fadnavis to relinquish the state's Konkan Railway stake to facilitate its merger with Indian Railways and fund track doubling.

Indias insurance reforms must curb mis-selling and opaque incentives without creating an uneven playing field or unsettling foreign investors with frequent policy changes.

At a U.S.India fintech dialogue in Mumbai, discussions included the potential role of advanced intelligence in assessing repayment capacity and supporting borrowers before they fall behind on loans.

TMB reported a record quarterly net profit of 451.14 crore and raised its growth guidance for FY27 while actively seeking RBI approval to regularize past share transfers amid pending Enforcement Directorate proceedings.

November brings several important income tax deadlines, including TDS payments, issuance of TDS and TCS certificates, and the extended ITR filing deadline for audit cases. Here's a date-wise guide to key forms, compliance requirements and deadlines taxpayers should know.

The Allahabad High Court has ordered the demolition of two illegal towers and extra floors at Ghaziabads Gulmohar Greens, citing unlawful construction. The court also imposed a 25 lakh penalty, directed an FIR against the promoter and ordered compensation and refunds for residents.

The warm and inviting interiors of Fahadh Faasil and Nazriya Nazims sanctuary feature comfortable furnishings and vibrant decorative pieces with a distinct vintage flair

Ministry of Finance: The government has revised the Dearness Allowance for government employees continuing under the 5th and 6th Pay Commissions, effective 1 July 2026. Here are the revised DA rates, eligibility details, and the impact of the increase on monthly payouts.

Andhra Pradesh is courting South Korean and Japanese shipbuilders to establish major shipbuilding and coast-wide repair clusters across its greenfield ports, leveraging its 1,053 km coastline, deep-sea infrastructure, and industrial land banks.

Gold and silver futures declined modestly on October 30, with MCX gold at 142,351 per 10 grams and silver at 1,88,943 per kg. Retail prices varied across major Indian cities, while jewellers may add making charges, taxes and GST.

Sovereign Gold Bonds: RBI has fixed the premature redemption price of SGB 2019-20 Series VI at 14,213 per gram. Investors who purchased the bonds at the original issue price can earn capital gains of up to 275%, excluding interest and taxes.