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The score, which usually ranges from 300 to 900 points, tests ones capability to pay debts. The significance of a credit score is that it indicates just how creditworthy an individual is.

To file ITR-4 for AY 2026-27, visit the Income Tax e-Filing Portal, verify details, enter income and deductions, validate the form, and submit using Aadhaar OTP or EVC. Eligibility includes earning under 50 lakh from business, with specific conditions for freelancers and property owners.

PSNM demands a minimum basic pay of 50,000 for Level 1 employees and 1,34,500 for Level 6 teachers in the 8th Pay Commission. Key demands include higher HRA, annual increments, merging basic pay with DA, and restoring the Old Pension Scheme.

Central government employees and pensioners await DA and DR arrears from the COVID-19 period. The Finance Ministry confirmed in 2020 that these payments cannot be released, despite ongoing demands. A recent increase of 2% in DA and DR has been approved, effective January 1, 2026.

The Ministry of Finance said Dearness Allowance (DA) payable to central government employees shall be increased from 58% to 60% of Basic Pay, with effect from 1 January 2026. Here's how much that impacts the monthly income

Rebate under Section 87A reduces tax for low to middle-income earners, with different income limits applicable under the old tax regime and the new regime. Check details for eligibility, limits and rules here

From porting health insurance without losing waiting period credits to increasing term cover as income rises, heres what policyholders need to know before making a move.

A 23-year-old marketing strategist shared her monthly expenditure in Old Manali. She divided it into non-negotiable and discretionary expenses, giving a reality check of life in the mountains.

Credit cards are essential for daily expenses, aiding travel with convenience and rewards. However, misuse can lead to debt and low credit score. Here are 5 common credit card mistakes one should avoid at any cost.

I told ChatGPT: Im Gen Z, fresh into my first job in Bengaluru after moving away from home. My first salary is 50,000. So, how to spend it? Here's the AI response. 

Indian I-T rules allow senior citizens some relief in taxes through deductions, exemptions and compliance activities, that they can use to reduce liability. Here's a look at what's available, which tax regime to choose and how investment planning can help finances and taxes.

Equities fall 10 to 20% in almost every calendar year. And yet, over the last 46 years, 37 of those years have still closed positive. Over any rolling 7-year period in Indian equity markets, there have been zero instances of negative returns.

The investor who started a SIP into a multi-asset fund two years ago didn't need to predict interest rates or time gold's rally or call the bottom on small-caps. The fund did the navigating.

While growth allows you to reap the benefits of compounding, the dividend option, which is now called IDCW (Income Distribution cum Capital Withdrawal) provides you with regular income.

An open-source bot that blindly bets No on every prediction is quietly outperforming most traders. The lesson for F&O punters and active investors is deeply uncomfortable.

As markets slide and short-term SIP returns turn negative, should investors hit pause or let rupee cost averaging do its job?

The Income Tax Department has notified ITR forms for AY 2026-27. Taxpayers can file belated, revised, or updated returns. Key deadlines for advance tax and TDS payments are crucial for compliance to avoid penalties and interest.

Car leases and driver salaries can provide tax-efficient salary structures for employees. Tax regulations allow these perks to be taxed at lower values, according to experts.

The RBI is revising the framework for Prepaid Payment Instruments (PPIs) to enhance security, improve customer protection, and support long-term growth. All proposed measures explained here.

Europe offers diverse travel experiences, but budget-friendly destinations like Romania, Portugal, Slovenia, Slovakia, and Greece allow for affordable trips

Loans can lead to debt, but Indian law protects certain savings like EPF, PPF, and NPS from creditors. These funds ensure long-term financial security during financial distress, safeguarding families from losing their assets.

The Income Tax Department clarified that claiming HRA exemption does not guarantee significant tax savings. Benefits depend on rent paid, salary structure, and city type, with specific conditions for claiming exemptions. Details here.

A minor room upgrade during hospitalisation can result in thousands in deductions for related, non-room expenses

Countries like Dubai and Qatar do not impose personal income taxes, instead generating revenue through VAT and other fees. This model allows them to maintain tax-friendly environments while still funding government services.

With a step-up SIP, an investor can increase their SIP amount annually as their annual income grows and accumulate a higher retirement corpus compared to a regular SIP.

The RBI cancelled Paytm Payments Bank's license for non-compliance, stating it harmed depositors' interests. The central bank assured users their funds are safe and the Paytm app will continue normal operations.

Investing at 45 demands a smart balance between safety and growth, combining equities, insurance, and disciplined asset allocation to beat inflation and secure a stable, comfortable retirement future.

Gold investments in India include physical gold, ETFs, SGBs, and digital gold, each differing in taxation and structure. Here's how each asset is taxed in India. 

Health insurance in India plays a crucial role in financial protection, as rising health care costs and the risk of claim rejections make clarity on coverage, exclusions, and the claim settlement ratio essential for better decision-making. 

The Bombay High Court on 18 April addressed petitions against pension rejection under the Employees Pension Scheme, ruling that employees should not be penalised for employers' lapses. Full details here. 

Stop ignoring your credit card; credit score health depends on activity, not inactivity. This article explains how credit card usage habits shape credit score, credit utilisation and long-term financial stability. 

This Akshaya Tritiya, gold purchases in India reached 20,000 crore, but physical sales weakened, according to ClearTax's chief executive. Many transactions were made through old gold exchanges, and digital and ETF investments increased.

The National Pension System (NPS) enables individuals to save for retirement with flexible withdrawal options. Recent rules enhance flexibility for both government and corporate employees, allowing different withdrawal percentages.

A cybercrime or a financial fraud can strike instantly, but fast action matters. This guide explains how to report a cybercrime in India through the cybercrime portal and track your complaint for quicker resolution and safety.

AI is transforming credit underwriting by shifting from fixed rules to behavior-based predictions, allowing lenders to assess real financial behavior through cash flow and alternative data, thereby including unserved borrowers while emphasizing the need for ethical monitoring to prevent bias.

A staggered investment approach and long-term investment horizon can help to navigate volatility in this segment

India's online gaming rules, effective 1 May establish a framework to differentiate between money games and permissible e-sports. Here's what changes for you with new user safety features, regulatory authority, and mandatory registration for certain games.

Indian residents must file income-tax returns and report earnings from various sources. We breakdown of some of the important terms you need: difference between deductions, exemptions and rebate.

While the new labour law has altered salary structures, affecting in-hand pay and tax implications, choosing between the new and old tax regimes depends on applicable tax slabs and deductions.

Investors can consider multi-asset funds for stability as market volatility rises, using diversification across equities, debt and gold to balance risk and improve long-term wealth-creation potential.

Investment in fixed income schemes provides a good and steady pad up to your pension stream with regular payouts and is an attractive option at a time when active earnings from employment have tapered.

Five months after implementation, Indias four new labour codes reflect evolving changes in wages, safety and social security, with outcomes depending on effective coordination, compliance and alignment across industries and states.

Smart home buying starts with clarity on home loan interest rates and related concepts. Aspiring borrowers must carefully compare housing finance lenders, applicable costs and key factors before choosing affordable housing finance options. Check home loan interest rates in April 2026 from HFCs here.

The traditional six-month emergency fund may no longer be enough in the age of AI-driven layoffs.

The 8th Pay Commission continues to gain momentum as Bharatiya Pratiraksha Mazdoor Sangh (BPMS) demands a minimum salary of 72,000, a 4x fitment factor, and a 6% annual hike to align pay with rising income and living standards.

A global brokerage firm urges Prime Minister Narendra Modi to formalize transactions and reduce the use of high-value currency to enhance transparency. Here's what they suggested.

The Income-Tax Rules, 2026 raise the per-meal exemption to 200 and extend it to the new regimeturning employer-provided meals into a 1.05 lakh annual tax-free benefit.

Credit on UPI gets a boost as Punjab National Bank partners with Kiwi to launch a feature-rich credit card with cashback and seamless digital payments.

Travellers are increasingly using air miles to book multiple flights, offsetting rising ticket prices and cancellations. Flexible reward programmes were seeing a surge in demand, but miles no longer stretch as far as they once did. Here's why.

The National Pension System has updated withdrawal rules, allowing more flexibility for subscribers until 2026. Government employees exiting prematurely must use 80% of their accumulated pension wealth for an annuity, while those with an APW of 5 lakh or less can withdraw fully in a lump sum.