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Indian equities extended their decline for a third consecutive session on Tuesday, November 25, as a volatile derivatives expiry day impacted the market. The Sensex and Nifty closed lower, with major banking and IT stocks contributing to the downturn. While PSU banks saw gains, IT, Auto, FMCG, and Oil & Gas sectors faced significant pressure.

Many new investors entered the market post-COVID. While individual stock picking aims for higher returns, it's challenging. Index funds provide a simpler, diversified, and low-cost alternative. They offer market-level performance and operational ease. Passive fund assets have seen significant growth, highlighting their rising popularity among investors seeking steady wealth creation.

ICICI Prudential Large Cap Fund has delivered impressive returns. A Rs 10 lakh lumpsum investment made at inception in May 2008 has grown to Rs 1.15 crore. The fund has achieved a CAGR of 15% since its launch. Over the last five years, it provided a CAGR of 19.97%.

An investor aims for Rs 1 crore in ten years with a Rs 20,000 monthly SIP and a 10% annual increase. An expert review indicates this may fall short. To achieve the target, the monthly SIP needs to be Rs 30,000. The investor's current portfolio is well-diversified across various fund categories.

Airlines and hotels strategically employ upgrades to enhance customer loyalty and boost profits. These offerings aren't just bonuses; they're well-planned efforts designed to encourage repeat visits and higher spending. Opting for upgrades proves more budget-friendly than conventional promotional methods, while social media buzz functions as complimentary brand exposure.

Schools and colleges in Delhi and Uttar Pradesh observe a holiday today, November 25, 2025, for Guru Tegh Bahadur Martyrdom Day. Haryana has a restricted holiday. However, banks remain open across India. The Reserve Bank of India's holiday calendar confirms no bank closure for this occasion. Guru Tegh Bahadur was the ninth Sikh guru.

Director and producer Rakesh Roshan, along with his wife Pramila, has acquired five commercial units in Andheri East, Mumbai, for a total of Rs 19.68 crore. The properties, detailed by Square Yards, include multiple units with varying carpet areas and parking allocations, incurring significant stamp duty and registration charges.

The scorecard showcased that consistent performance is not confined to a single style or segment, with steady funds emerging across market caps and strategies

Many taxpayers are experiencing delays in receiving their Income Tax Return (ITR) refunds this year. The Income Tax Department offers online methods to check refund status via PAN on the e-filing or TIN websites. Refunds are typically processed within four to five weeks after e-verification, but delays can occur due to various reasons.

The analysis shortlists leading flexi cap funds using rolling returns, consistency, downside risk, outperformance and asset size. Several funds show improving quartile rankings. Flexi cap schemes suit moderate investors with a five- to seven-year horizon seeking long-term wealth creation.

DSP Mutual Fund has launched four new passive schemes, including two index funds and two ETFs, focusing on the Nifty Midcap 150 and Nifty Smallcap 250 indices. These offerings provide investors with low-cost, rules-based access to the dynamic mid- and small-cap segments of the Indian equity market. The new fund offers are open for subscription until December 8.

Several mutual fund categories, including gold, value, midcap, smallcap and sector-focused schemes, have delivered strong SIP performance over recent periods. The list highlights funds that showed steady wealth creation while reinforcing that past returns should not guide final investment choices

Social security benefits: These reforms offer enhanced rights and benefits to employees across sectors. Fixed-term, gig, and contract workers gain improved social security and welfare. Women workers achieve greater equality and opportunity. IT, media, youth, MSME, hazardous industry, and export sector workers also see significant improvements in wages, safety, and benefits.

Indias mutual fund industry is witnessing strong growth as assets swell, SIP activity climbs, equity inflows stay resilient and investor participation expands across regions, supported by rising interest beyond major cities and steady long-term market confidence.

Bank-seized vehicle auctions offer cars at prices far below market value. With digital platforms like Foreclosureindia, buying repossessed vehicles is now transparent and accessible. Follow smart bidding strategies, inspect thoroughly, and drive home quality wheels at unbeatable prices.

In Nifty-50 companies too, shareholder resolutions where more than 20% of Institutional Shareholders voted against decreased to 9% of total resolutions (or 54 in number) as compared to 11% of total (or 64 resolutions) in the same period last year, according to Pranav Haldea, Managing Director, PRIME Database Group.

The upcoming changes in labour legislation are poised to overhaul the way salaries are computed for employees. Many workers might find that their immediate take-home pay could shrink. The broader interpretation of what constitutes wages will influence both provident fund contributions and gratuity benefits, compelling companies to reevaluate their pay frameworks.

Insurance in India is transforming from an annual purchase to a daily wellness tool. The ABCD App by Aditya Birla Capital Digital offers a new approach. It provides AI health assessments, easy family coverage, and policy management. This platform integrates health tracking and benefits, making insurance a proactive partner in everyday financial life for consumers.

Tata Asset Management has launched the Titanium Specialised Investment Fund (SIF), a hybrid long-short strategy designed for investors with higher risk tolerance. The fund dynamically combines equity, debt, and derivative exposures to navigate various market phases, aiming for better risk-adjusted outcomes. It offers a unique mix to participate in market upswings while cushioning downside risks.

Labour Code guidelines: India's new Labour Codes significantly reform social security, particularly gratuity provisions. Fixed-term and contract employees now qualify for gratuity after just one year of service, a reduction from the previous five years. These changes aim to broaden worker protections and simplify eligibility across various sectors.

Parag Parikh Financial Advisory Services is eyeing a 2030 IPO, as employee stock options conclude around 2029-2030. Chairman Neil Parikh indicated this timeline, citing potential tax benefits for employees. The fund house also plans a new large-cap fund in January 2026 and is exploring NPS and specialized investment funds.

With the Nifty just shy of its all-time high, mutual fund investors are debating whether to continue SIPs, invest lumpsum, or book profits. Experts advise sticking to SIPs, using lumpsum only during meaningful corrections, and rebalancing portfolios that have turned equity-heavy. They caution against profit-booking unless a financial goal is approaching within three years, stressing long-term investing over market timing.

A leader in fixed income management oversees a vast debt portfolio. Their investment philosophy prioritizes safety, liquidity, and returns. This approach involves rigorous credit assessment and active duration management. The strategy combines long-term views with tactical adjustments. Continuous monitoring of global and economic factors guides decisions. The focus remains on delivering sustained outperformance for investors.

A significant ruling from a Delhi court has brought relief to a dedicated teacher, as she successfully petitioned for her 303 days of unpaid leave to be reclassified as paid child care leave. Initially, the school had pushed back against her leave, claiming that it would lead to operational difficulties, but the court sided with the teacher.

Gilt funds are not recommended to regular debt investors because they are risky and volatile. Gilt funds suffer the most when the rates go up. The bond prices and yields move in opposite directions. When the rates go up, bond prices come down. This drags down the NAVs of schemes.

In a recent case, the Allahabad High Court determined that while an agreement to sell property can set the stage for a transaction, it does not confer actual ownership. The court highlighted the necessity of a sale deed for establishing legal ownership.

To build a strong portfolio, do not get swayed by any one asset class. Experts recommend diversification. While asset allocation is the way to go, the question remains: What is the best combination? Every investor has his/her own asset allocation. Heres a start. In this weeks TrendMap, ET Wealth compares seven asset combinations. The portfolios with gold have delivered a notable return boost in recent years, while those with zero gold exposure have persistently lagged.

NRIs are choosing India for medical treatment due to lower healthcare costs, faster access to quality care, and NABH-accredited hospitals. Learn how NRI health insurance works, compare treatment costs in India vs US, and discover essential tips for medical tourism including hospital accreditation verification and claim settlement processes before planning your healthcare visit.

Are SIPs really safe? Investors may overestimate the perceived safety of SIPs due to the marketing spiel, but outcomes may not always match the rhetoric. Learn the hidden risks of SIP investments, common investor mistakes, and why discipline matters more than perceived safety in achieving long-term returns.

Conditional wills protect dependants and guide behaviour, but unclear wording increases scrutiny and disputes, making them a powerful, yet risky, estate planning tool. Learn which conditions are legally valid, when trusts work better than wills, and how to draft enforceable clauses that protect dependants without triggering disputes.

What about the risks associated with credit cards? The cards can be skimmed, for instance. Fortunately, credit card technology has moved to chip validation. Also, in India, the Reserve Bank of India requires twofactor authentication for card-not-present transactions. This helps prevent most fraudulent transactions.

While two-wheelers, tractors, and LCVs show promise with rural recovery, elevated valuations and uncertain post-festive demand warrant caution.

Young adults are more likely to learn from their peers, or in the privacy of their own spaces, or from their own experiences without parental retribution. This is why financial literacy and education for young earners is a helpful module. It should be mandatory in an induction course for a new earner.

Global investors are drawn to this island nations political stability, better lifestyle and investor friendly rules which offers two investor visa routes in 2025. Compare investment requirements, holding periods, and family inclusion benefits for both routes.

Use his investing strategy for long-term career growth, says Devashish Chakravarty. Learn how compounding, emotional discipline, and continuous learning can transform your career trajectory over 5-10 years.

Big money is flowing into artificial intelligence, but hidden risks may test investor conviction soon. Learn whether AI stocks are overvalued and how much exposure Indian mutual funds and global ETFs have to this theme.

If you are confused by personal finance terms, jargon and calculations, heres a series to simplify and deconstruct these for you. Learn key differences between GDP vs GNP and which better measures true economic health. In the 78th part of this series, Riju Mehta differentiates between the two terms that are used to measure a countrys economic performance.

Equity mutual funds fell over 7% during the week of November 1721, with international schemes dominating the losers chart.

Multiple investment segments have delivered over 17% returns over the past decade.

PPFAS Mutual Fund unveiled details of its upcoming Parag Parikh Large Cap Fund at its 12th Unitholders Meet, ahead of an expected January 2026 NFO. The rules-driven fund will be built around the Nifty 100 with capped weights, broad diversification and a low expense ratio. Leaders outlined its five key features and the conditions that justify launching the new scheme.

In a recent ruling, the Income Tax Appellate Tribunal in Chandigarh has granted a significant tax relief to Mr. Saini, a retired worker from the Punjab State Electricity Board. He will now enjoy a tax exemption for the leave encashment accrued during his tenure at the government organization.

Dear customers of Kotak Mahindra Bank, please be advised to strategize your banking actions before November 23, 2025 3.30AM till 4.30AM. On this date, any UPI and ATM transactions above Rs 20,000 will be temporarily halted, alongside the unavailability of both old and new mobile banking platforms. This is all part of an essential system upgrade to enhance your future banking experience.

if you have an income of Rs 11 lakh, then you wont have to pay income tax due to the Section 87A tax rebate under the new tax regime for FY 2025-26. The Section 87A tax rebate applies to income up to Rs 12 lakh under the new tax regime for FY 2025-26. Moreover, you can also submit Form 15G to avoid TDS deduction, if the total income, after claiming all tax deductions and the Section 87A rebate, is below the taxable limit.

Big win for Mr. Khatri! The Rajasthan High Court just ruled that his adult, married son needs his dad's permission to live in his house. This basically confirms Mr. Khatri's sole ownership rights, meaning he's in charge of who stays on his property. It's a clear victory for the father's property rights.

Starting November 21, 2025, India is set to transform its workforce landscape with four pioneering labour codes. These reforms mandate appointment letters for every worker, ensuring transparency and security. Fixed-term employees will benefit from gratuity payouts after completing one year, while women will enjoy the option of night shifts, fostering inclusivity.

Heads up! Theres a new phishing scheme targeting Microsoft users with fake password reset emails. Scammers have set up a website similar to Microsoft's, using 'rnicrosoft.com' to lure you in. This could lead to serious security breaches for your account. Make it a habit to scrutinize email addresses and links closely. For password resets, go straight to the Microsoft homepage.

Top 10 states was recorded at Rs 79.79 lakh crore as on October 2025.