BUSINESS
Hidden charges in personal loans you shouldn’t ignore
Personal loans have become a saviour for many in times of crisis or for big bills. However, they may be costing you more than you think. Most borrowers look for low EMI options, but things like processing fees, prepayment fees, etc. can creep up sneakily and add to the actual cost of the loan. Being aware of all these expenses beforehand is very important in making a financially savvy decision.
BUSINESS
Should you have more than one credit card? Here's what you need to know
With promises of tempting rewards, discounts, and cashbacks, credit cards are now a part of day-to-day expenses management. But should you be dependent on one, or is juggling several the best idea? For many, managing several together may seem like a smart move—but it is dangerous as well. Before signing up for another credit card, you must look at the pros and potential cons in detail.
BUSINESS
Reverse mortgage loans: A source of retirement income for older home owners
For many Indian seniors, retirement is a financial burden, especially when steady income sources are exhausted. However, for homeowning families, the reverse mortgage loan offers a solution to convert the wealth in assets into monthly income—without selling or having to move out. While not yet widespread in India, reverse mortgages could be an effective means to pay for daily expenses and live independently in retirement.
BUSINESS
Don’t fall for OTP scams: Smart ways to keep your money safe
OTP scams are becoming increasingly common, targeting everyone from students to senior citizens. Cybercriminals are using them through fake calls, phishing links, and remote access tools. Many times, people don’t even realize that they have been duped until their money disappears. If you use digital payments, online banking, or shopping apps, here’s how to shield yourself from OTP theft.
BUSINESS
Credit score myths you should stop believing in 2025
Credit score myths aren't treating your finances kindly—here's what you need to know
BUSINESS
Forgot your Aadhaar number? Here’s how to recover it instantly online
You can simply recover your Aadhaar number or enrolment ID through your mobile or email.
BUSINESS
How to order PVC Aadhaar cards online for your whole family using one mobile number
You can now quickly order PVC Aadhaar cards for the whole family online even if just one number is registered
BUSINESS
Get a ₹5 lakh personal loan with just your PAN card: A step-by-step guide
Sudden cash crunch? Here's how you can get a personal loan of ₹5 lakh instantly with your PAN card.
BUSINESS
Does becoming a guarantor impact your CIBIL score? Here's what you need to know
Being a guarantor to a loan is a serious financial commitment that can have its impact on your credit record.
BUSINESS
Why bucket strategies won’t save your retirement from sequence risk
A popular method for managing withdrawals may not offer the protection you think it does.
BUSINESS
Filing ITR without Form 16? These are the documents you can use instead
If your company does not provide you with the Form 16, you can submit the income tax return using these alternatives.
BUSINESS
Gold hits 26 record highs in H12025; here are best ways to buy the precious metal
Experts recommend allocating only a small portion (5–10 percent) of the portfolio to precious metals, including silver
BUSINESS
ITR 2024-25: Seven common mistakes to avoid while filing income tax returns
Start by choosing the right form. For instance, selecting ITR-1 instead of ITR-2 will be seen as trying to conceal income that you ought to have disclosed in ITR-2.
BUSINESS
In volatile markets, investment managers are navigators, not predictors
One of the greatest assets of an investment manager in times of turmoil is discipline. During times of panic or greed that sweep through the market, there is a risk that investors will be tempted to make reactive decisions
BUSINESS
ITR-2 online utility released: Filing returns? Here's why you must verify your AIS and Form-26AS first
Since the AIS and Form 26AS contain the complete history of a taxpayer’s transactions, nothing will go unnoticed — any non-disclosure can invite notices from the income tax department.
BUSINESS
ITR Filing 2025: Checklist of essential documents before filing income tax return
Tax filers can start gathering the crucial documents, including last year’s ITR, Form-16, Annual Information Statement, Form-26 AS, capital gains statements and so on, before kicking off the process.
BUSINESS
Silver lining: Is it time to add silver to your portfolio?
While silver continues to attract interest and carries a strong narrative, the evidence does not support a meaningful allocation—whether in the core or tactical portfolio.
BUSINESS
Yet to receive income tax refund? Know the common reasons for delayed processing
I-T refunds have been faster for taxpayers who have filed returns using ITR-1 and ITR-4, say chartered accountants, but if you haven’t received yours, ascertain why it could be stuck.
BUSINESS
ITR filing 2024–25: Used the wrong ITR form? Revise your returns to ensure refund credit
Choosing the wrong ITR form can render your returns defective, delaying processing and, hence, the refund of any excess tax paid.
BUSINESS
ITR filing 2025-26: Errors in your form? Here's how you can fix them, avoid penalties
The return needs to be revised three months before the end of the assessment year or before the completion of the assessment, whichever is earlier. For the assessment year 2025-26, the last date for filing a revised return is December 31, 2025.
BUSINESS
ITR filing: Claiming fake 80C, HRA tax deductions? Beware of I-T notices
It is best to be honest while claiming deductions and avail tax breaks only if one can back them up with documentary proof, should there later be a notice by the income tax department.
BUSINESS
ITR filing 2025 | ITR-1or 2: Which income-tax return form should salaried persons choose?
Now, that the I-T department has released excel utilities for ITR-2, salaried taxpayers and chartered accountants can start the filing exercise for assessment year 2025-26
BUSINESS
Investing via GIFT City? Understand the rules, opportunities & tax implications
All investments via GiFT City are within the RBI’s Liberalised Remittance Scheme limit of $250,000 per person per financial year.
BUSINESS
Are you Mr Scientific Investor? Or Mr Fodder, who provides alpha to the market?
Do you exploit the market’s irrationality, or do you participate in it? What kind of investor are you? We need to answer that before anything else.
