Livemint News

A credit card closure can alter the credit mix, reduce credit ageing, increase the credit utilisation ratio, or halt the progress in building a credit score and history. These can result in a marginal fall in the credit score. 

India's finfluencer crackdown reveals gaps in the digital-finance ecosystem, where unregulated advice thrives. Learning from global regulations, India can enhance transparency and accountability to protect young investors with low financial literacy.

Trai has proposed slashing charges on network spectrum used to connect mobile towers, arguing that telecom operators are overpaying for non-revenue infrastructure critical to 5G expansion. Here is why it matters.

Following the pandemic, several Bollywood actors splurged on multi-crore, sea-facing homes in prime locations for their own use and investments. Between 2024 and 2025, nearly 60 commercial property transactions, including outright purchases and leases, by Bollywood personalities.

The ancient tale of Bhasmasura serves as a perfect metaphor for modern retail investors who, in their impatience for quick wealth, progressively sacrifice fundamental financial security for high-risk, high-leverage instruments.

The $82.7 billion bid by Netflix for Warner Bros has stirred concerns in India's theatrical landscape. While it could boost Netflix's cinema presence, industry experts warn of potential risks to traditional movie theatres and the competitive dynamics of the OTT market.

ITR advance tax deadline 2025: From Key dates, tax calculation to a step-by-step guide on how to pay the partial tax payment for the financial year. Here's all you need to know before the 15 December due date.

8th Pay Commission: Government issues clarification on whether the central government employees will get dearness allowances (DA) and pay commission revisions under the new Finance Act 2025. Here's what you need to know.

Not long ago, Hong Kongs share-sale market was a symbol of Chinas slowdown: Deal books were thin, investor sentiment was sour and bankers were fleeing the industry. This year, the script has flipped.

The 8th Central Pay Commission, established in January 2024, will review pay, allowances and pensions of central government employees.

For Indian investors, the implications of the US rally are different from those for American investors.

The fight between Netflix and Paramount Skydance to acquire Warner Bros could reshape both the streaming market and theatrical distributionand it's turning political.

The Income Tax department is alerting taxpayers via SMS and email to update their returns and withdraw incorrect claims, following a crackdown on fraudulent tax claims linked to Registered Unrecognised Political Parties (RUPPs) or charitable institutions.

Bank holiday today: There are a total of 17 holidays for public and private banks in India in December 2025, according to the RBI's official state-wise calendar for 2025-26. Check the full list for this month here

The Union government has significantly scaled back the use of its revamped electronic agriculture trading portal, e-NAM 2.0, across Rajasthan.

The State Bank of India has revised interest rates for term deposits and reduced MCLR and EBLR rates following a repo rate cut by the RBI. Interest rates for senior citizens and the general public on various tenures have been revised, effective from December 15, 2025.

The Ministry of Labour stated that the new Labour Codes will not decrease take-home pay as PF deductions are based on a 15,000 ceiling. 

An Asset Management Company manages pooled investments through research-driven portfolios, transparent costs and regulatory oversight, helping investors access diversified mutual fund opportunities while understanding AMC functions, benefits and key considerations.

Investors must evolve their thinking to adapt to constantly changing market environments, Douglas Eby writes in a guest commentary.

A clear overview of the differences between a credit report and credit score, highlighting their purpose, impact on borrowing, and why both are essential for maintaining a strong financial profile.

Refinancing a personal loan can cut EMIs, lower interest costs and simplify repayments by securing better terms, helping borrowers improve cash flow and strengthen long-term financial stability.

A clear comparison of overdraft vs personal loan outlining key differences, benefits and risks to help borrowers choose suitable credit options based on cash flow needs, costs and financial goals.

PFRDA has allowed investments under the NPS into gold and silver ETFs and Nifty 250 stocks.

The Indian automotive sector is experiencing strong growth due to record festive sales and tax reforms. Year-end stock-clearances are expected to gain, with the GST cuts on small cars boosting affordability, leading to significant sales increases.

A car loan application can briefly reduce your credit score due to hard inquiries, but disciplined EMI repayment strengthens credit health and supports smarter borrowing decisions in the evolving lending landscape.

The actual cost of owning a house can vary significantly depending on several factors, including the propertys location, price of the home, financing terms, utilities, maintenance, etc.

Equity mutual fund inflows rose to 29,911 crore, while monthly SIP contributions declined slightly to 29,445 crore.

The ITR filing deadline was 16 September, and while most refunds are processed, some remain pending. Delays may arise from verification issues or incorrect bank details. Taxpayers should ensure Aadhaar-PAN linkage and accurate claims to avoid further processing delays.

Both insurance and aviation touch the daily lives of millions of Indians and require deep infrastructure, robust regulation, and sustained capital to serve a rapidly expanding market. Yet, their journeys since liberalization could not have been more different.

While banks use varied benchmark rates, they often slow interest rate reductions and cut EMIs, but not tenure. Borrowers can still benefit from the lowest repo rate in three years. 

The latest RBI rate cuts will particularly benefit borrowers who took home loans in 2020-2022 at rates of 6-6.5%, but saw the rates rise to 9-9.5% within a year.

The government introduced RBI floating rate saving bonds for individual investors in 2020, replacing the 7.75% savings bonds. 

An 817 credit score unlocks faster approvals, lower interest rates and access to premium credit products, highlighting how strong financial discipline enhances borrowing power and negotiation advantages.

BOBCARD Cashback Credit Card offers 5 percent cashback on eligible online transactions and 1 percent on other eligible spends. The cashback is capped at 1,500 per statement cycle.

Before bringing a pet home, it is important to understand the long-term costs and responsibilities involved.

It is recommended that you or the executor under the will consult a legal advisor.

Purchasing exclusively premium plans creates another gap because less expensive policies frequently contain more stringent room rent limitations, co-pays, and sub-limits that only become apparent when a claim is made.

Festive spending pressures often push people towards a personal loan, yet borrowing for non-essential gifts can strain finances, making disciplined budgeting and mindful credit use essential for long-term stability.

Smart credit card strategies help users maximise rewards, control debt, manage credit utilisation and use EMIs wisely, ensuring secure financial habits and optimised credit card benefits for long-term stability.

Pocket money introduces children to financial management, allowing them to learn from small mistakes. In India, options like savings accounts, Demat accounts, and mutual funds help minors understand investing. 

Standard emergency funds cover job loss, but dental surgeries, home termite damage often require a separate shock absorber fund. By earmarking specific SIPs or arbitrage funds for these gaps, investors can protect their long-term portfolios from the erosion caused by unexpected bills.

Shyam Sekhar emphasizes the importance of a robust portfolio strategy in equity investing. As market conditions shift, investors must adapt their portfolios to mitigate risks and capture opportunities, rather than focusing solely on stock picking.

A GST cut has made term insurance 18% cheaper, but the real risk for families is not buying too little, too late. Heres how to know if your life cover is truly adequate.