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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

ETMutualFunds has handpicked the top mid-cap mutual funds by analysing their mean rolling returns.

A 33-year-old government teacher, Saurabh Yadav, is strategically investing in SIPs and NPS to build a Rs 15 crore corpus over 30 years. His well-diversified portfolio, with a moderate to high-risk allocation, is praised by experts. Regular reviews and controlled smallcap exposure are key to achieving his long-term wealth goal.

Customers who push their bank related work to Saturdays should make sure to check if banks are open on the coming Saturday or not. Digital banking and ATMs will remain operational for all essential transactions. No other bank holidays are scheduled for November.

New labour laws are now in effect. Fixed-term employees receive full benefits and gratuity in one year. Women workers gain equal pay and broader work opportunities. Contract workers will get health and social security from employers. Gig and platform workers are defined and will receive welfare benefits. These reforms simplify 29 old laws into four codes.

ETMutualFunds breaks down key details of The Wealth Company Multi Asset Allocation Fund NFO, covering its strategy, asset mix, fund managers, flexibility across equity, debt and commodities, and suitability for diversified investing

Mutual funds launch new funds to complete their bouquet of offerings. Here's a detailed breakdown of NFOs live now (Source: ACE MF).

Bollywood actress Karisma Kapoor has rented out her residential property located in Bandra West, Mumbai. At a monthly rate of Rs 5.51 lakh, this agreement, officially registered for November 2025, will last for one year.

ETMutualFunds has shortlisted four top smallcap funds for November 2025 based on rolling returns, consistency, downside risk and long-term performance.

Over the past three years, the top-performing largecap mutual funds have delivered strong annualised returns of up to 28%, led by BHARAT 22 ETF and ICICI Prudential BHARAT 22 FOF. However, several funds lagged behind, including offerings from Nippon India, Axis, LIC, Tata and Sundaram.

Around 17 equity mutual funds have delivered over 20% returns in the last nine months, with midcap funds dominating the top performers. Mirae Asset Midcap Fund and Invesco India Midcap Fund led the pack with returns exceeding 24%. The remaining 264 funds saw returns ranging from 2.01% to 19.90%.

Over Rs 25,000 crore remains unclaimed in Indian insurance policies due to forgotten claims or unaware nominees. Tracking and claiming these dormant funds is now easier through insurer websites and the IRDAI's Bima Bharosa portal. It offers simple ways to check for unclaimed amounts and provides a clear process for rightful beneficiaries to claim what is theirs.

Sundaram Focused Fund has turned a Rs 10,000 monthly SIP into Rs 1.12 crore over two decades, showcasing strong long-term compounding. While its inception returns are impressive, recent performance has lagged behind its benchmark and category average. Experts advise caution due to concentrated portfolios, suggesting focused funds are best for investors with high risk tolerance.

Considering near-term or three-year-plus goals? Corporate bond funds, investing in top-rated companies, offer relative safety. While interest rate hikes remain a concern, these funds provide a stable option.

Kotak Mahindra Bank and super.money introduce the Kotak811 3-in-1 account. This new offering combines a zero-balance savings account, a fixed deposit, and a secured credit card. The Kotak811 super.money credit card is backed by a fixed deposit, offering a credit limit up to 90% of the FD value. This facility is also available for individuals with lower credit scores.

RBL Bank has launched two new premium credit cards: LUMIRE and NOVA. LUMIRE, an invitation-only metal card, offers exclusive luxury experiences and personalized services for Rs 50,000 annually. NOVA targets frequent travelers with 6% value back on bookings and 10% restaurant savings, priced at Rs 12,500 annually.

Employee unions are pressing Prime Minister Narendra Modi to revise the 8th Pay Commission's Terms of Reference. Key demands include reinstating the Old Pension Scheme for lakhs of employees and ensuring pension revisions for current pensioners. Unions also seek the inclusion of stakeholder expectations and an interim relief of 20% for employees and pensioners.

Exciting news for property sellers! Starting April 1, 2027, you can now effortlessly close your Capital Gains Account Scheme accounts online. This fantastic update from the Central Board of Direct Taxes eliminates previous bottlenecks that required tedious in-person applications. Enjoy a hassle-free experience as you manage your tax exemptions for property sales right from your living room!

The Bombay High Court has made a pivotal judgment by reversing the conviction of a man and his parents charged with cruelty under Section 498A. The court determined that the accusations based solely on the wife's parents' statements lacked sufficient credence.

Attention all businesses! Your GST registration may be suspended if you don't submit your bank account details on time. Make sure to provide this crucial information within 30 days of registration, or before filing outbound supplies. Neglecting this requirement could lead to serious disruptions in your operations.

Nineteen new banks are now authorized to offer Capital Gains Account Scheme Services. This expansion provides more options for taxpayers to deposit unutilized capital gains and claim tax exemptions. Homebuyers will benefit from increased flexibility in choosing banking services for these transactions. The move aims to simplify the process for individuals seeking tax relief on asset transfers.

A Harvard study highlights billions lost annually due to hasty liquidations, advocating for restructuring. WazirX's successful Singapore-based restructuring after a cyberattack offers a creditor-friendly model, contrasting with India's delayed NCLT processes. This signals a need for India to adopt structured regulatory frameworks for emerging technologies.

India's UIDAI is launching a new Aadhaar app featuring offline verification to enhance security and privacy. Users can share Aadhaar details paperlessly, reducing fraud risks. The app allows storing up to five family profiles, biometric locking, and streamlined updates, offering greater control and convenience for Aadhaar holders.