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previous questions

  • Q

    I want to invest some money with at least ten years view. I dont want share market risk. Can I invest in NSC? Is there any other investment option?

    A

    NSC or National Savings Certificate is a safe investment scheme offered by the Central Government. It is an ideal option for investors with ...

  • Q

    Interest rates are going to go down. And all my fixed deposits will be maturing next year. I will have to renew my fixed deposits next year at lower rate of interest. What is the way out?

    A

    Interest rates keep fluctuating due to various micro- and macro- economic factors. There is never an ideal rate of interest. In a high inter...

  • Q

    Which is the best free credit card? And how much maximum credit limit I can get on it?

    A

    Credit card issuers/ Banks provide free credit card for certain period of time, beyond that period you will have to pay the charges. Please ...

  • Q

    My CA says that I have to pay tax on interest accrued on my FD of Rs 20 lakh. I have submitted form 15H in all banks. Is it necessary to pay tax in this case?

    A

    Any income arising to a minor is includible in the income of the parent whose income is higher. A deduction of Rs. 1,500/- is allowed in res...

  • Q

    I want to save on my utility bills and fuel expenses.Please suggest a good credit card for me.

    A

    Yes, you will be able to save on Utility bills and fuel expenses through the cash back schemes offered by some of the credit card companies....

  • Q

    My wife and i plan to go for a joint home loan of Rs 42 lakh. What are the tax benefits to both of us?

    A

    If both of you are contributing towards the repayment of the loan, then you can claim tax benefit on your individual names. Your CA will hel...

  • Q

    I want to save Rs 1 crore for my retirement when i turn 60. Now I am 42 years old and have fixed deposits worth Rs 18 lakh.What should I do to reach Rs 1 cr mark?

    A

    To bridge the big gap, you have to consider investing in equity funds....

  • Q

    Are tax free bonds good investments now? If I buy it online and hold on to it till maturity, can I claim capital loss?

    A

    While every individual has his or her own financial goal both for the medium- as well as long-term, this might be indeed a good time to inve...

  • Q

    I have credit card outstanding of Rs 93000 which I cannot pay immediately. What is the way out? Should I go for balance transfer?

    A

    Go for a personal loan or a loan against property. ...

  • Q

    I have retired from my job in November. I have got Rs 48 lakh from my employers, by way of epf, gratuity and other benefits. Should i invest in senior citizen scheme of LIC? How about pension plans from LIC?

    A

    Yes, Sr.citizens earn more interest than normal citizens by 25-50 basis points. One should select scheme based on their requirement...

  • Q

    I want to buy online term life insuance plan. Which is the best one? Should I go for single premium or regular premium policy?

    A

    If you are an earning person who is not sure about his future earning potential and income, then going for a single premium cover might make...

  • Q

    My home loan charges me a rate of interest of 11.5%. What should I do to reduce the heavy interest burden?

    A

    Firstly, do check the rate of interest offered by the same bank to the new borrowers & approach their call centre asking for a reduction in ...

  • Q

    I want to invest Rs 20000 per month. I have identified Reliance Small Cap Fund and DSPBR Micro cap fund for investment. I can hold to investments for two years. Is it a good idea to invest in these schemes? How much returns I will be getting?

    A

    Don't put all your money in Small and Midcap. Pick a large cap or diversified fund too like like SBI Bluechip or Frankling India Opportuniti...

  • Q

    I am a shareholder of NTPC. I heard that NTPC has announced debenture issue to the shareholders. I want to know how I can buy these? What is the rate of interest?

    A

    While you can always sell off your equity shares of any company for a profit, if the company performs well, you are also entitled for a regu...

  • Q

    Please suggest a good investment option of land in South India. I want to buy a land parcel of around 2 acres.

    A

    If agricultural land, try coastal side of andhra pradesh.....

  • Q

    Where should I buy a flat for the investment purpose? I am comfortable with Mumbai and Pune market. The maximum I can invest is Rs 1.5 crore

    A

    You should invest in Pune. It has got heavy demamnds in outskirt areas of Pune. The best area which one can think of is Koregaon Park. It i...

  • Q

    Is it a good idea to invest in a commercial space in a mall in Pune?

    A

    It depends on the area you are looking at. It is better to buy standalone shops in Hinjewadi area or a mall closer to Koregaon Park...

  • Q

    Are bond funds good investment option now? If yes, Which bond funds I should invest into? I want to invest Rs 100000.

    A

    It is always a good idea to invest in long-term bond funds in a market scenario where interest rates are dropping. Now that inflation has be...

  • Q

    Is it a good idea to trade in derivatives? How much returns one can expect from derivative trading?

    A

    To trade in derivatives, one need discipline, money management and emotional balance more than analysis. Though money can either become 5X o...

  • Q

    Is it a good idea to buy a home loan insurance policy? I have a home loan outstanding of Rs 33 lakh. OR should I buy a term life insurance? Please suggest one.

    A

    Home loan insurance policy, as it doesn't deal with your causes of death....

chat

Latha Venkatesh

Executive Editor , CNBC-TV18

(04 Aug- 15:00hrs)

Credit Policy

All Schedule | Previous Transcripts

poll

Are real estate prices in Mumbai set to fall steeply?

Planning

Magic Of Compounding
insurance

Use this calculator to understand and apply the astounding power of compounding. After seeing the results, you'll want to try and start investing as soon as possible!

Check Now

Mistakes to avoid while planning for child's education

While schooling costs cannot be planned for, it should be a ...

Step by Step Guide
3

Start investing now

The only thing worse than investing late is not investing at all.

1

Put your finances in order

FINANCIAL planning. If that word is a put off, don't let it be. It's the all important word in your money dictionary. Here, we simplify it for you.

2

Prepare to invest

Investment planning is simpler than you think, and more rewarding than you would imagine.

Step by Step Guide
3

Where you should invest

Where to invest for retirement?

1

Snapshot of investing options

Summarised below are the short-term and long-term financial investment options available for Indian investors.

2

Select your asset allocation

This tool will suggest an asset allocation for you across different asset classes based on your level of risk capacity and risk tolerance.

Step by Step Guide
3

Select the right policy

You need to save that last drop of tax and there are too many instruments vying for your attention. If you've zeroed in on an insurance policy, we tell you how to choose the best one.

1

Evaluate your life insurance needs

YOU heard enough about why you should buy insurance. So you wake up one morning and decide to buy yours that day. And then, you realise, you have no clue where to begin. Well, how about here for a start.

2

Understand key concepts

YOU heard enough about why you should buy insurance. So you wake up one morning and decide to buy yours that day. And then, you realise, you have no clue where to begin. Well, how about here for a start.

Step by Step Guide
3

Section 80 C tax saving instruments

SECTION 80C lists down the instruments, which you can invest in order to save tax.

1

All you wanted to know about CTC

HAVE never understood my payslip till date, it says Avni Rustagi, a native of Punjab. Avni, 25, moved to Bangalore four years back in the hope of turning her dream into reality.

2

Tax Calculator

Enter your gross taxable income after considering all eligible tax deductions except deduction under section 80C.

Retirement

Step by Step Guide
3

Where to invest for retirement?

WHOEVER said variety is good for consumers had no marketing sense.

1

Retirement planning

RETIREMENT need not be only about gardening and reading. If planned for, it can be the best stage of your life, without children that need attention and loans that need paying.

2

Retirement planning

RETIREMENT need not be only about gardening and reading. If planned for, it can be the best stage of your life, without children that need attention and loans that need paying.

Step by Step Guide
3

Home loan rates: Beware of arithmetical jugglery

OF late, home loan interest rate has been a concern for many due to its volatile behaviour. Banks and institutions often resort to arithmetical jugglery so as to mask the real rates and show attractive rates.

1

Decider: To loan or not

IF you want to buy a house, you have two options to fund it, Either use your own funds or take a loan. Most of us obviously would not be able to afford an outright purchase (without availing of any loan whatsoever).

2

How the bank calculates loan eligibility?

THE amount you can borrow depends on how much you can afford to repay per month in EMIs or Equated Monthly Instalments. What the bank calculates is 'how much you can afford to repay'.

CREDIT CARDS

Step by Step Guide
3

Pros and cons of a credit card

THERE are a lot of hidden costs on that credit card you own and if you aren't watchful enough, your monthly statement may shock you.

1

How your credit card works

IT'S said that Forewarned is often Forearmed. This aphorism has given birth to a generation of knowledge seekers. Everyone wants to know every detail about everything before they do anything.

2

Various charges on credit cards

THERE are a lot of hidden costs on that credit card you own and if you aren't watchful enough, your monthly statement may shock you.

Step by Step Guide
3

How big a flat do you really need?

Here are some guidelines to help you resolve the confusion.

1

Things to know before buying new property

There is a bit of work that a buyer would need to take when they buy a house property and this relates to the process of paying taxes.

2

Taxation of house property decoded!

The income tax laws provides for taxation of your income under various heads. Income from house property is one of them. This article will discuss taxation of house property and tax benefits on housing loans.