BUSINESS
Can you link PAN and Aadhaar at a PAN service centre? Here’s what you need to know
If you’ve missed online linking or prefer in person help, PAN–Aadhaar linking can be done at authorised centres with the right documents.
BUSINESS
Thinking of withdrawing PF? Know the service period rule, 75% job-loss limit and tax impact first
Before you tap into your EPF balance, understand what you can withdraw, when you can withdraw it, and how unemployment rules actually work.
BUSINESS
Own a house but short on cash? Here’s how a reverse mortgage works
If you own a house but feel cash strapped after retirement, a reverse mortgage lets you unlock its value without selling it.
BUSINESS
Personal loan guide: What to do before and after borrowing
A personal loan can help in a pinch, but what you do around it matters as much as the loan itself.
BUSINESS
From 580 to 800: What actually helps your credit score move up fast
If your score feels stuck in the 500s, here’s what really shifts the needle and what’s just noise.
BUSINESS
Thinking of getting a bank locker? Here’s what you should know first
A locker feels like the safest place in the world for your valuables, but there are rules, costs and limits most people don’t fully understand.
BUSINESS
Building your own home? Here’s how construction loans and tax benefits really work
Taking a loan to build a house is different from buying a ready property, and the tax rules are slightly different too.
BUSINESS
When should you rebalance your investments? Five signals your portfolio is out of sync
Portfolio rebalancing isn’t about timing the market. It’s about making sure your money still matches your life, your risk comfort, and where the markets have quietly pushed you without asking.
BUSINESS
Old car due for replacement? How to choose between scrapping and selling
With green taxes kicking in, fitness rules tightening and scrappage discounts being advertised aggressively, owners of older cars are being forced to do the math. Scrapping isn’t always the obvious answer.
BUSINESS
More than one UAN can quietly eat into your retirement savings. Here’s how to fix it
If you’ve switched jobs over the years and never checked your EPF records, you may be carrying multiple UANs without realising it. Consolidating them is simpler than it sounds and can save you money, tax trouble and paperwork later.
BUSINESS
Is NPS Vatsalya the right way to save for your child’s education, or better suited for something else?
NPS Vatsalya is a government-backed scheme that offers long-term growth and tax benefits for minors, but if your need is to fund future education costs, its strict lock-in periods and withdrawal limits can come in the way.
BUSINESS
Gold and silver feel safe right now. That’s exactly the risk.
When prices are making headlines, the urge to buy feels logical. But with precious metals, timing and expectations matter more than momentum.
BUSINESS
Education costs are rising fast. Here’s how parents can plan better
School fees no longer rise gently. They jump, surprise and compound. A workable education plan today needs both steady investing and backup buffers.
BUSINESS
In your 30s? The everyday money choices that quietly decide how you’ll retire
Your 30s are when income starts rising, expenses get complicated, and financial decisions feel less reversible. The habits you lock in during this decade often matter far more than how much you earn later.
BUSINESS
Business credit cards in India: What they are and how people actually use them
Business credit cards can be useful for day-to-day expenses, but they’re not very different from personal cards in how liability works. Knowing that upfront avoids trouble later.
BUSINESS
Annuity plans explained: Turning savings into steady retirement income
Annuity plans don’t promise high returns, but they do offer something many retirees value more, a predictable income that doesn’t depend on markets.
BUSINESS
Thematic and sectoral funds: High-conviction opportunities or avoidable risks?
These funds can look powerful on paper, especially when a story is in fashion. But without context and restraint, they can quietly become the most fragile part of a portfolio.
BUSINESS
Why more investors are choosing passive funds, and how to begin
You don’t need to beat the market to build wealth. Sometimes, simply keeping pace with it, consistently and cheaply, is more than enough.
BUSINESS
Planning to build your own house? What to know about home loans, EMIs and tax benefits
A home loan for self-construction works a little differently from buying a flat. Understanding how lenders disburse money and how tax benefits actually apply can save you unpleasant surprises later.
BUSINESS
Got a call about unclaimed insurance money? Don’t fall for this trick
If someone calls claiming the government wants to return your old insurance money, stop right there. That is not how refunds or unclaimed amounts work.
BUSINESS
Flexi-cap vs multi-cap mutual funds: How they differ and which one suits you better
Both funds spread your money across large, mid and small companies, but the way they do it — and the kind of investor they suit — is quite different.
BUSINESS
Do you still need a human financial advisor in the age of AI?
AI can crunch numbers faster than any human ever could. But a financial plan is rarely just about numbers.
BUSINESS
Thinking of borrowing against your shares? Read this first
A loan against shares can unlock short-term liquidity without selling your investments, but it comes with risks that aren’t always obvious at first glance.
BUSINESS
Wrong UPI transfer: What you can and cannot recover
A UPI transfer feels reversible because it happens in seconds, but once the money reaches the wrong account, banks have far fewer powers than most users realise.
