The Economic Times

Gold prices have seen a decline today, with major outlets such as Malabar Gold & Diamonds and Joyalukkas adjusting their rates. Specifically, Malabar sets the price of 22k gold at Rs 12,590 per gram as of November 14, 2026, while Tanishq has kept its prices stable at Rs 12,640 per gram since the previous day. The latest retail rates for silver and different gold karats from IBJA are also available.

Latest FD interest rates: Several banks have recently updated their fixed deposit interest rates, providing higher returns to customers. HDFC Bank and ICICI Bank have increased rates for tenures from 3 years to 10 years. Meanwhile, senior citizens are receiving even higher rates of interest across multiple banks. Additionally, banks such as Utkarsh Small Finance Bank and Suryoday Small Finance Bank are offering the highest rates available.

There are a few things that anyone planning to retire early must keep in mind. Everyone focuses on the number that you need, that challenge is nobody knows their own expiry date. Further, as life expectancy increases, the amount you need would also go up. With India being on a journey from a developing to a developed economy, it is unlikely that you would get a 12-15% return.

The Reserve Bank of India notifies citizens about various bank holidays based on states and Union Territories. Certain bank transactions will require a branch visit on Saturdays despite many online services being available. Customers should plan accordingly due to these closures and limited access to in-person services.

Family pension eligibility is prioritized based on legal marriage and childrens status after a central government employee's death. Spouses, children, and in certain cases, adopted or stepchildren, may receive the pension under specified conditions.

Demat 2.0 is an innovative pilot program initiated by India's Reserve Bank and SEBI, focusing on blockchain technology for corporate bonds. This venture strives to improve the settlement process and broaden investor access to various financial instruments. Key financial institutions are involved in showcasing a significant bond issuance, promoting legal reliability while embracing cutting-edge technological advances in capital markets.

Gold rates today: Gold prices fell at major retailers including Tanishq, Malabar Gold & Diamonds, and Kalyan Jewellers. The price of 22k gold jewellery was Rs 12,695 per gram across these retailers. The India Bullion Jewellers Association (IBJA) also reported a decrease in gold and silver rates.

In a significant update, MSCI has revealed modifications to its indices, impacting several Indian stocks starting November 30. This shift is predicted to boost India's representation within the MSCI Emerging Markets Index. Notable stocks like Coforge and LIC are anticipated to attract considerable investments, while PI Industries may experience a decline.

Household debt has passed 45.5% of GDP, and young Indians are borrowing fastest. See the numbers, the causes, and the way out.

The Finance Ministry says UPI stays free for you. Heres what the new 0.4% MDR on merchant payments above 2,000 means, including for RuPay credit cards and cashback.

Discover the potential of investing in India's booming REIT market, where you can earn from commercial real estate without the hassles of ownership and management. Insights from Ramesh Nair reveal REITs' growth drivers, the importance of total returns over distribution yield, and upcoming property segments that could enhance your investment opportunities.

The central government has issued new guidelines allowing officers in Pay Levels 8 and above to buy laptops for their official duties. Eligible officers can invest up to Rs 1,50,000, or Rs 1,80,000 for Make-in-India devices. After four years, these laptops can be kept, provided that all data is erased prior. In case of transfers or retirements, officers can retain laptops by settling the book value.

Banks will be closed in few states on November 16, 2026, due to Chhath Puja. While the Delhi Government has declared a public holiday. November features several bank holidays across India for various festivals and occasions. Customers are advised to complete important banking tasks before the holiday. Scheduled and non-scheduled banks observe public holidays on specific Saturdays of the month.

Thirteen smallcap stocks, including Ather Energy, RBL Bank and Welspun Corporation, may move into the midcap category in AMFI's H1 CY27 reclassification. Nuvama Institutional Equities has also identified three potential new entrants to the midcap segment.

Gold rates today: Gold and silver prices took a noticeable dip on November 12, 2026, across key Indian markets. As per the India Bullion and Jewellers Association, the latest rates showed a reduction from the prior day, allowing buyers to explore and compare options amidst the noticeable decline.

ET Wealth Reader's Query: Can I withdraw my Provident Fund to repay my home loan principal? Will I have to pay taxes on PF withdrawal? How long can I retain the money in my EPF account and continue earning interestup to three years from the date of my last contribution or until I turn 58?

The US leads the world in official gold reserves, but where does India stand? Explore the top 10 countries, their gold holdings and why central banks value bullion.

Indian government bonds are anticipated to trade between softer oil prices and rising US yields. The market is waiting for domestic inflation data that could influence the Reserve Bank of India's rate strategy. A Reuters poll estimates an increase in annual consumer inflation, potentially leading to further tightening by the RBI. Investors are cautious ahead of a significant bond auction scheduled for Friday.

Indian Overseas Bank has revised its fixed deposit interest rates, effective from November 10, 2026. Senior citizens can avail an additional interest rate, as well as super senior citizens.

Finances are a cornerstone of marriage, shaping both relationships and futures. At the ET Wealth Expo 2026, specialists emphasized the necessity of balanced fiscal strategies in partnerships, the dangers of income tax clubbing, and the importance of wills.

Investment choices for senior citizens can include the Senior Citizens Savings Scheme and the Post Office Monthly Income Scheme. Notably, SCSS boasts an attractive interest rate of 8.2%, while MIS offers 7.4%. If you invest Rs 15 lakh in SCSS, you'd accumulate Rs 6.15 lakh in interest over five years, compared to Rs 5.55 lakh through MIS. This difference highlights an additional earnings potential of Rs 60,000 through SCSS.

Mutual funds launched 28 new schemes in October, collectively garnering Rs 3,829 crore. The launches spanned index funds, equity ETFs, debt funds, fund of funds, hybrid schemes and close-ended funds, with ICICI Prudential Contra Fund leading collections.

After hitting a record near $5,600 an ounce in January 2026, gold has fallen roughly 29% from its peak. Here is what drives gold prices, why the rally reversed, and how investors can approach gold now.

The largest active flexicap fund by assets under management (AUM) had an AUM of Rs 1.46 lakh crore in October. The fund did not completely exit any stock or add any new stock to its portfolio in October.

Jeevan Pramaan: EPS-95 pensioners no longer need to visit a bank branch or office for their annual Digital Life Certificate. They can generate it conveniently using the UMANG App and Aadhaar face authentication. Once submitted, the certificate remains valid for one year, allowing pensioners to continue receiving payments.

Gold rates today: Gold prices decreased today (Wednesday, November 11, 2026) at major jewellery brands. Also have a look at the IBJAs latest 24k, 22k, 20k, 18k and 14k indicative gold jewellery rates and the 999-purity silver jewellery indicative price.

The National Confederation of Pensioners' Associations has requested the Labour Ministry's urgent intervention in pending pension cases. They seek to withdraw a circular from January 2025 that affects higher EPS pension eligibility. The NCPA emphasizes eliminating discrimination between exempted and unexempted establishments regarding pension rights. They have proposed several recommendations to streamline the processing of pension applications and address delays.

On November 11, 2026, banks will observe holidays in specific states for various regional festivals. These festivals include Laxmi Puja, Ningol Chakkouba, and Bhai Dooj. Some states will continue to operate normally despite these closures. Bank customers should confirm the holiday schedule before visiting their local branches.

Only two mutual fund new fund offers (NFOs) are currently open for subscription. Edelweiss Nifty Energy ETF will close on November 13, while Aditya Birla SL FMP-VC-114D will remain open until November 17. Here are the key details, including their categories, subscription deadlines and minimum investment amounts.

Gold rates today: Major jewellery brands, including Tanishq and Malabar Gold & Diamonds, have seen a dip in gold prices today, making it an opportune moment for consumers to purchase 22k gold at more affordable rates compared to Monday. Consistent pricing across cities like Delhi, Mumbai, and Chennai allows for easy shopping.

A Rs 10 lakh gift from a husband invested in mutual funds and shares may attract income clubbing provisions. While gains from the initial investments are generally taxed in the husband's hands, returns on reinvested gains may be taxable to the wife.

Samir Arora-backed Helios Mid Cap Fund added three new stocks and increased exposure to 18 others in October. The fund completely exited Park Medi World, while its highest sectoral allocation remained in finance at 16.22%.

Two salaries dont automatically mean more wealth. Learn how DINK couples in India can plan cash flow, insurance, goals, FIRE, parents and estate, step by step.

Sensex and Nifty down for months? Here are 10 practical steps on SIPs, emergency funds, tax-loss harvesting and safe withdrawals to protect your savings through a long slump.

Bank holiday today: Bank branches in few states will be closed on November 10, 2026. This closure is due to the observance of Bali Pratipada and other festivals. Customers will be unable to conduct branch transactions on this day. However, digital banking services will remain available for various transactions. Customers can utilize UPI payments, ATM cash withdrawals, and online banking facilities during the holiday.