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The Economic Times

Personal Finance / The Economic Times

Invested in equities and want to cut your income tax? Use tax loss and gain harvesting before March 31, 2026

Investors can save income tax by strategically selling equity shares and mutual funds before March 31, 2026. Tax loss harvesting allows offsetting capital gains with losses, while tax gain harvesting utilizes the Rs 1.25 lakh LTCG exemption to reduce future tax liabilities. This strategy can be implemented anytime throughout the year.

24 Mar 2026 5:44 pm
Railway ticket cancellation refund rules changing from April 2026: Will passengers lose more money on refunds?

Indian Railways has revised its ticket cancellation rules, effective April 1-15, 2026, to combat touting and system misuse. The changes include extended refund windows and stricter penalties for last-minute cancellations. Passengers cancelling more than 72 hours before departure will receive maximum refund, with increased deductions for later cancellations.

24 Mar 2026 5:02 pm
Expats staying longer in India? Heres how residency rules can change your tax liability

Expatriates in India for extended periods face changing tax rules. Staying longer can shift residency status, impacting tax liability on worldwide income. This shift may increase compliance burdens and affect foreign income exemptions. Individuals should monitor stay durations and any government relaxations. Understanding these rules is crucial for managing tax obligations effectively.

24 Mar 2026 4:39 pm
How long will it take to reach Rs 5 crore with a monthly SIP of Rs 20,000?

Investing Rs 20,000 monthly through a systematic investment plan can help build a Rs 5 crore corpus over time. Assuming a 12 per cent annual return, the estimate shows it may take around 28 years and 3 months with no lumpsum investment, depending on market performance and compounding benefits over time.

24 Mar 2026 4:21 pm
What is the simplest way to gift money to my daughter living abroad?

ET Wealth Reader's Query: I want to gift a large amount to my daughter living abroad for her future needs. What is the simplest way to send it?

24 Mar 2026 4:12 pm
JioBlackRock Large Cap Fund open for subscription. Should you invest?

JioBlackRock Mutual Fund has launched a largecap fund - JioBlackRock Large Cap Fund. The new fund offer or NFO of the fund is open for subscription and will close on April 7.

24 Mar 2026 3:46 pm
Forgot your UPI PIN? BHIM app now lets you pay up to Rs 5,000 using fingerprint or faceheres how

Forget your UPI PIN? BHIM app now allows transactions up to Rs 5,000 using fingerprint or facial recognition. This new biometric authentication feature by NPCI NBSL offers a quicker, simpler, and more secure way to make everyday payments, especially when remembering your PIN is a challenge. It enhances user-friendliness for online, merchant, and peer-to-peer transactions.

24 Mar 2026 3:04 pm
Can housing societies stop Amazon, Zomato, Swiggy and other online apps from delivering to residents for non-payment of society maintenance dues?

Housing societies cannot block online deliveries like Amazon or Zomato for unpaid maintenance dues. Legal experts clarify that such actions interfere with residents' normal use of their homes and are not permitted. Societies must follow statutory procedures and their bye-laws for recovery, which may include interest, penalties, or legal action, but not restricting essential services.

24 Mar 2026 2:47 pm
Trumps delay fails to calm jitters over war as funds trim risk

President Trump's delay of air strikes against Iran's energy assets triggered a market rebound, with equities jumping and oil sliding. However, many investors remain cautious, maintaining defensive strategies and hedges due to ongoing unpredictability. Fund managers are sticking to reduced risk exposure, awaiting clearer signs of de-escalation or a significant market dip.

24 Mar 2026 2:47 pm
80% women investors start mutual fund journey before 35, SIPs fuel early participation : Study

A new study reveals nearly 80% of women mutual fund investors start before 35, with SIPs driving adoption among younger demographics. While women are increasingly participating in financial decisions and staying invested, confidence and a gap between saving and investing remain key challenges.

24 Mar 2026 2:34 pm
22k gold rate today: check 22K, 24K gold prices (March 24, 2026) on Tanishq, Malabar Gold & Diamonds, Joyalukkas and IBJA

Gold predictions: Gold and silver prices are showing a rebound. Experts believe current price lows are strong technical support zones. These levels are unlikely to break decisively soon unless new geopolitical escalations occur. Latest gold rates from major brands are also provided.

24 Mar 2026 1:55 pm
Holding too many mutual funds? Expert suggests trimming smallcap-heavy portfolio

An investor's mutual fund portfolio, heavily skewed towards small-cap schemes, was identified as over-diversified. Experts advise rationalizing holdings, reducing exposure to multiple small-cap and large/mid-cap funds to manage volatility and optimize returns. A balanced approach across categories is crucial for long-term success.

24 Mar 2026 1:41 pm
HDFC Gold ETF changes structure, to invest in gold derivatives and other gold related instruments

HDFC Mutual Fund is restructuring its HDFC Gold ETF, allowing investments in Gold Deposit Scheme, Gold Monetisation Scheme, and Exchange Traded Commodity Derivatives. Existing unit holders are offered a 30-day exit window from March 23, 2026, to April 21, 2026, due to these fundamental attribute changes.

24 Mar 2026 1:06 pm
Sukanya Samriddhi Yojana interest rate: Will government increase SSY interest rate to attract more subscriptions?

Sukanya Samriddhi Yojana is a small savings scheme of the central government. The objective of Sukanya Samriddhi Yojana is to encourage families to invest in the education of a girl child. Data presented in Lok Sabha shows a consistent year-on-year increase in both the number of accounts opened and total deposits since the scheme's 2015 launch.

24 Mar 2026 12:32 pm
Nippon India ETF Gold BeES ranks 6th globally in gold ETF inflows, draws $1.08 bn inflows

Nippon India ETF Gold BeES ranked 6th globally among top gold ETFs with USD 1,085.2 million in fund flows as of February 28, 2026. This marks the only Indian gold ETF in the global top 10, reflecting growing investor interest in regulated gold investments and India's expanding ETF ecosystem.

24 Mar 2026 12:23 pm
Calling property ancestral isnt enough: Courts demand clear chain of title and documentary proof

Courts now demand concrete proof for ancestral property claims. Simply calling property ancestral is insufficient. Claimants must establish a traceable lineage from the original ancestor to themselves. This requires documentary evidence like revenue records and proof of possession. Recent rulings emphasize that birthright alone does not guarantee ownership. Without a clear chain of title, such claims are being dismissed.

24 Mar 2026 11:18 am
Gold, silver ETFs fall up to 13% since Mideast war. Should investors stay invested or cut exposure?

Gold and silver ETFs have seen significant drops amid Middle East tensions. Experts advise investors to maintain long-term allocations, viewing gold as a portfolio stabilizer. Silver's volatility suggests caution for those with lower risk tolerance. The current downturn is seen as a normal market cycle, with a focus on disciplined rebalancing and long-term asset allocation.

24 Mar 2026 10:19 am
Best banking & PSU mutual funds to invest in March 2026

A rising or firm interest rate environment is bad for debt funds. However, since these schemes do not invest in very long-duration papers, they will be relatively better off. Most money market pundits say the interest rates have peaked and the RBI will start cutting interest in the later part of the year. It may start cutting rates, once it is convinced that inflation is cooling off. However, be prepared for some volatility till then.

24 Mar 2026 9:59 am
Gold and silver ETFs rebound up to 7% after 20% crash. What should investors do?

Silver and gold ETFs rebounded on Tuesday after a steep crash in the previous session, even as rising yields and tight liquidity kept bullion under pressure. Anup Bhaiya said the correction offers long-term accumulation opportunities amid strong safe-haven demand and persistent geopolitical risks, supporting investor confidence despite elevated precious metals volatility.

24 Mar 2026 9:58 am
Man surrendered tenancy rights for Rs 11 crore flat in redevelopment project; Income Tax dept issued notice but ITAT Mumbai ruled in his favour. Here's why

A Mumbai tenant received a Rs 11 crore apartment for giving up tenancy rights during redevelopment. The Income Tax department questioned the deal, calling it a sham. However, the Income Tax Appellate Tribunal Mumbai ruled in the tenant's favour. The tribunal confirmed tenancy rights were valid and the flat was consideration for surrendering these rights. Tax exemption was allowed.

24 Mar 2026 7:01 am
Struggling with a big credit card bill? Converting to EMIs may help but read the fine print first

Converting large credit card bills to EMIs offers immediate relief by breaking down payments, but comes with significant costs beyond stated interest rates. While 'zero-cost' EMIs often involve hidden markups, understanding the true expense and necessity is crucial before opting in. Timely EMI payments can benefit credit scores, but missed payments have severe repercussions.

24 Mar 2026 7:00 am
Market slide pushes short-term SIP returns into negative territory

Systematic Investment Plans in equity mutual funds are showing losses over one and two-year periods. This trend is impacting investors who began after 2020. A recent market sell-off has further pushed these investments into negative territory. Experts advise continuing SIPs and topping them up to accumulate more units at current prices.

24 Mar 2026 5:45 am
GIFT Nifty jumps 4% after Trumps latest comment on Iran war. Sensex, Nifty to take U-turn tomorrow?

Indian markets look set for a rebound as GIFT Nifty surged 3.6% on Monday following US President Trumps announcement to delay strikes on Iranian power plants. Investor optimism grew amid expectations of ceasefire talks, easing oil prices, and sharp Wall Street futures gains after days of steep market selloffs.

23 Mar 2026 5:04 pm
Sula Vineyards promoter Rajeev Samant buys Rs 3-crore shares, raises stake to 23.27%

Sula Vineyards CEO Rajeev Samant raises stake to 23.27% with Rs 3 crore share purchase, marking his first buy since the 2022 listing. The shares bought by the promoter would be worth more than Rs 2.7 crore.

23 Mar 2026 4:50 pm
Wealth quote of the day: Do not save what is left after spending; instead .. by Warren Buffett

Warren Buffett emphasizes the importance of saving first, then spending, as a crucial habit for long-term financial success. Developing this habit early is key to a brighter financial future.

23 Mar 2026 4:43 pm
NFO Alert : Zerodha Fund House launches Nifty MidSmallcap400 50:50 Index Fund

Zerodha Fund House has launched the Zerodha Nifty MidSmallcap400 50:50 Index Fund, an open-ended equity index fund. This new offering allows investors to equally allocate to mid-cap and small-cap segments of the Indian market, with subscriptions closing on April 6. The fund aims to provide broad exposure to 400 companies, offering potential for long-term capital growth with a high-risk appetite.

23 Mar 2026 4:13 pm
13 stocks fall up to 45% in 3 months on FII stake cuts, weak earnings

Foreign Institutional Investors (FIIs) reduced their stakes in several companies during the December 2025 quarter, coinciding with declining sales and profit growth. This trend, observed in 48 stocks exceeding Rs 2,500 crore market cap, signaled potential underlying issues. Nine of these stocks experienced significant price corrections of 25%-45% in the preceding three months.

23 Mar 2026 3:47 pm
Railway employees get major boost ahead of 8th Pay Commission rollout; key benefits explained

The Ministry of Railways has revised kilometrage allowance and Allowance in Lieu of Kilometrage (ALK) effective January 1, 2024. This revision, triggered by Dearness Allowance reaching 50%, offers relief to running staff ahead of the 8th Central Pay Commission. The update addresses long-standing demands from railway federations, with all other terms and conditions remaining unchanged.

23 Mar 2026 3:17 pm
Vedanta declares Rs 11/share interim dividend; total payout at Rs 4,300 crore. Check record date

Vedanta Ltd on Monday announced a third interim dividend of Rs 11 per share for FY26. The board approved the payout earlier in the day and informed the exchanges during market hours. The company has set Saturday, March 28, as the record date to determine shareholders eligible to receive the payout.

23 Mar 2026 3:07 pm
Midcap, smallcap mutual funds see AUM growth in 5 years, but near-term risks remain elevated: ICRA Analytics

Mid and smallcap funds saw significant AUM growth over five years, with CAGRs of 32.41% and 39.93% respectively. However, geopolitical tensions and foreign fund outflows may impact their near-term performance, prompting investors to adopt a cautious stance amid market volatility.

23 Mar 2026 3:02 pm
Brutal bears ahead? What to expect for Sensex, Nifty as Trump's ultimatum fires up Iran-US war

Escalating Iran tensions and oil above $110 have triggered a risk-off selloff in Indian markets, with Sensex crashing and Rs 13 lakh crore wiped out amid FII outflows, rupee weakness, and rising inflation fears.

23 Mar 2026 2:27 pm
Gold prices crash today; check 22K, 24K gold rates on Tanishq, Malabar Gold & Diamonds, Joyalukkas and IBJA; Why are silver and gold rates falling?

Gold price today (23 March 2026): Gold and silver prices have plummeted, offering a significant buying opportunity for jewellery shoppers. This sharp decline, attributed to a strengthening US dollar amidst geopolitical fears, has seen substantial drops in bullion rates. Global gold prediction trends remain volatile.

23 Mar 2026 1:54 pm
How much can you withdraw via SWP without tax? Heres what mutual fund investors should know

Investors using SWP from mutual funds are taxed only on capital gains, not the full withdrawal amount. Experts suggest structuring withdrawals to keep annual LTCG within Rs 1.25 lakh to avoid tax. Understanding lock-in periods and fund structure is crucial, especially in equity-oriented childrens mutual funds.

23 Mar 2026 1:54 pm
Can Rs 20 lakh grow into Rs 3 crore in 15 years? Heres what expert recommends

A 38-year-old investor aiming for a Rs 3 crore corpus over 15 years received expert advice to bolster his SIP strategy. The recommendation includes adding a low-cost Nifty 50 index fund for a stable large-cap foundation, while continuing with existing flexi-cap, midcap, and small-cap funds, emphasizing patience for underperforming schemes.

23 Mar 2026 1:11 pm