BUSINESS
What cyber insurance really covers in everyday digital and ID fraud cases
Cyber insurance is starting to show up everywhere—from bank add-ons to health policy riders. It can help, but only if you understand what it actually pays for, and the situations where it quietly refuses claims.
BUSINESS
Got a message from the tax department? It may be time to revise your return
That unexpected message from the Income Tax Department can be unsettling, but it does not always mean trouble.
BUSINESS
New Income Tax Act to roll out from April 1: Here's what CBDT chief told tax officials
Calling 2026 a year of "special significance" for the department, the CBDT chief urged the officials for their "readiness, understanding of the law and shared confidence in its implementation".
BUSINESS
What loan apps really see when you give them contacts and photo access
Instant loan apps often ask for sweeping permissions that go far beyond what’s needed to process a loan. Once you hand over that data, you may not be able to control where it goes—or how it’s used.
BUSINESS
When a credit card balance transfer helps—and when it makes things worse
Moving debt to a lower-interest card can buy you time and money. Used casually, it can also keep you stuck in a loop of minimum payments and mounting stress.
BUSINESS
Why following SWP rules doesn’t always protect your retirement
Many investors set up an SWP with a sensible number and a sensible fund, and still end up short. The problem usually isn’t that the SWP was reckless. It’s that the plan around it was too rigid.
BUSINESS
What is SIP in mutual funds and how does it work?
No need to time the market or track it daily. SIPs build discipline, average costs over market cycles, and make long-term investing effortless.
BUSINESS
Why keeping an eye on your credit report matters more than you think
You may feel fine today, but silent problems can build unnoticed. Just as routine health checks catch issues early, regular credit report monitoring helps you spot financial damage before it becomes expensive or irreversible.
BUSINESS
When your health insurance claim is rejected for “non-disclosure”: What to do next
A non-disclosure rejection can feel accusatory at exactly the wrong time, but it is often a documentation dispute rather than a final verdict. A calm, well-organised response with the right medical records and timelines can materially improve your chances.
BUSINESS
Why revolving credit card balances quietly derail your home loan plans
Even when you never miss a payment, carrying unpaid credit card balances month after month can reduce how much home loan a bank is willing to offer—or block approval altogether.
BUSINESS
Why having more than one UAN can quietly mess up your EPF, and how to fix it
Multiple job changes can leave you with two UANs without you even realising it. It doesn’t just look messy on paper—it can slow transfers, complicate withdrawals, and leave old EPF balances forgotten.
BUSINESS
A simple way to pay for big expenses without taking loans
Most “money surprises” aren’t actually surprises. A sinking fund is just a way to spread the cost quietly across months, so you’re not forced into EMIs when the bill shows up.
BUSINESS
Pre-approved personal loans: Why banks push them and when you should still say no
A pre-approved loan feels flattering and urgent, but it’s rarely about doing you a favour. It’s about risk, timing and margins—and knowing that makes it easier to decide when to walk away.
BUSINESS
The three-bucket retirement plan is easy to draw, harder to live with. Here’s how to do it
The three-bucket idea sounds neat in theory. The real challenge is translating it into Indian accounts, funds and tax rules without creating a complicated mess you won’t maintain.
BUSINESS
What to check before a loan app asks for your contacts and photos
The money may be quick, but the access you give can last much longer. A few careful checks before you tap “allow” can spare you a lot of stress later.
BUSINESS
If your income is uneven, this budgeting approach works better
When income is uneven, a “monthly budget” can feel like a monthly fight. What helps is a simple system that smooths the ups and downs, so your household isn’t constantly reacting.
BUSINESS
How your credit limit is decided, and how to ask your bank to raise it without denting your score
Your credit limit is not a reward for being a “good customer.” It’s a risk number, set by the issuer’s models using your income, existing debt, and repayment behaviour. If you ask for an increase the right way, you can often get more headroom with minimal score impact.
BUSINESS
Credit card interest-free period explained: Why two people using the same card can pay interest differently
The “interest-free period” is not a flat promise for everyone. It depends on your billing cycle timing, whether you paid the full amount last month, and what kind of transaction you made.
BUSINESS
How to check if a loan was taken in your name using PAN or Aadhaar
If your PAN or Aadhaar has been misused, speed matters more than perfect paperwork. Your first job is to find the loan on your credit record, and your second is to create a clean paper trail that forces the lender and the credit bureau to treat it as fraud.
BUSINESS
The credit card date that matters more than your due date
Many credit card users focus only on the due date. In reality, the statement date is just as important—and adjusting it can quietly give you more breathing room every month without costing you a rupee.
BUSINESS
What your first credit card bill is really telling you: 5 essential checks
Your first credit card bill is more than a payment request. It is a blueprint for how credit works, what mistakes cost money, and how quickly small oversights can snowball.
BUSINESS
Should you buy a second property for “rental income”? A reality check on yield, vacancy, and taxes
Rental income looks steady on paper, but once you account for real-world yields, empty months and tax friction, the maths often looks very different.
BUSINESS
Rent or buy in your 30s and 40s? How to make the call calmly
This decision gets messy because it’s rarely just about money. It’s about stability, family pressure, fear of “missing the bus” and the need to feel settled. A good choice starts by separating what you want emotionally from what your finances can carry comfortably.
BUSINESS
ETFs or index funds: Where should smart money really go?
Both ETFs and index funds track the market, but differences in costs, liquidity and access can shape your returns.
