BUSINESS
High sum insured vs super top-up: Which health insurance cover works the best for you?
The two are not alternatives. They serve different emotional and financial roles. A sensible choice is not about maximising one over the other, say experts
PERSONAL-FINANCE
Have an inactive EPF account? Here’s how you can get your money back
An EPFO account becomes inactive if there has been no contribution or transaction for three consecutive years
BUSINESS
Why ignoring iNAV can make gold, silver and global ETFs costlier than they look
A straightforward discipline minimises surprises by regularly checking iNAV and spreads, particularly during volatile times
BUSINESS
Can an insurance policy cover theft, loss and third-party liability for your pet?
Eligibility covers domesticated dogs and cats of various breeds, typically from about three months to specified upper age limits, depending on the breed
BUSINESS
From KYC, re-KYC to OTP safety, PM Modi outlines digital banking dos and don’ts
One must complete re-KYC on time to defeat scammers; Modi warns against cyber fraud and links timely KYC to secure bank accounts in Mann Ki Baat
BUSINESS
Is it better to buy separate health insurance for your parents or include them in your family floater?
Experts say a separate policy for parents typically offers better protection and flexibility, whereas a floater works only when coverage is extensive and health risks are low
BUSINESS
How to read mutual fund returns correctly and why CAGR, XIRR and absolute return all matter
The foundation of smart investing lies in a full understanding of returns rather than in seeking maximum financial gain
BUSINESS
Why Indian households are shifting from fixed deposits to SIP investments
Nearly one out of every five rupees in mutual funds now flows through systematic retail participation
BUSINESS
NPS exit rules explained: Maturity vs premature withdrawal
Subscribers can now withdraw up to 80 percent of the corpus as a lump sum. Of this, 60 per cent will be completely tax-free
BUSINESS
How will mutual funds be taxed in FY27? Here is an investor guide
While evaluating the tax impact of investing in an equity fund, debt scheme, hybrid fund, gold fund or international fund, investors must first understand the asset allocation of the scheme
BUSINESS
What happens to Aadhaar after death and how can it be closed?
The UIDAI now enables relatives to report a death online, facilitating the secure and organised deactivation of the deceased's Aadhaar number
BUSINESS
Investors favour fund houses with strong processes and consistent philosophy, says Sundaram AMC MD
The goal is simple, from cradle to grave, a mutual fund should be able to offer a solution for every financial need an investor has, say panelists at Moneycontrol Mutual Fund Summit
BUSINESS
Smart credit practices every borrower should know
Maintain a balanced credit mix and avoid multiple loan applications within a short period to uphold creditworthiness
BUSINESS
NPS common schemes vs MSF: What’s the difference and which one works the best for you?
PFRDA offers both to ensure investors can choose what aligns best with their financial journey, not to complicate choices, but to enhance relevance
BUSINESS
How should investors position their debt portfolio after Budget 2026?
For mutual fund investors, corporate bond funds, short-duration funds, and money-market funds appear better aligned with current market conditions than aggressive duration strategies
BUSINESS
HUL-Kwality Wall’s demerger: What retail investors need to know about capital gains tax
When selling shares received through a demerger, tax is calculated using a specific percentage of the original purchase price and the holding period is carried over from the parent company's stock
BUSINESS
Repo rate pause: Should you switch from floating to fixed home loan rates?
Floating rates work well for borrowers who expect income growth or plan to prepay, since lower starting rates magnify long-term savings
BUSINESS
Sovereign gold bonds 2019-20 Series-III offers 347% return on early redemption at Rs 15,641
SGBs have an eight-year tenure but can be redeemed after five years from the date of issue
BUSINESS
Should you turn to Gemini, ChatGPT or Grok AI to make personal finance decisions?
DIY investors need to manage their portfolio regularly. If you are not an expert or are short on time, turn to these bots for a better understanding of products but for decisions, professional help still is the best bet
BUSINESS
RBI proposes rules mandating civil conduct, loan recovery agents shall interact with the borrower in a civil manner
Agents must respect the borrower’s privacy. Maintain hours of contact and avoid recovery calls/visits during inappropriate occasions
BUSINESS
RBI sets SGB 2018-19 Series VI redemption price at Rs 15,615, investors looking at 370% gains
The SGB 2018-19 Series VI was issued at Rs 3,326 a gram. At the current redemption price of Rs 15,615, the bond gives a simple absolute return of about 370 percent
BUSINESS
When can NPS subscribers withdraw their 100% corpus? Key rules explained
At retirement (age 60 or later), full withdrawal is permitted if the corpus does not exceed Rs 8 lakh
BUSINESS
How to calculate taxable salary under new, old tax regimes using your pay slip
Taxable income is determined by starting with gross salary, as per the salary slip, and applying regime-specific exemptions and deductions rather than relying on the net pay shown on the salary slip
BUSINESS
5 major changes in employee perquisite taxation under draft Income-Tax Rules 2026
The draft rules update several long-standing monetary limits for common perquisites
