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Teena Jain Kaushal

Editor - Personal Finance

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When will labour code changes reflect in salary slips?

BUSINESS

When will labour code changes reflect in salary slips?

The central labour rules are still going through final formalities and once they are out, companies typically take another month or two to adjust payrolls, say experts

How Labour Code 2025 can shrink your salary, if basic pay is below 50% CTC

BUSINESS

How Labour Code 2025 can shrink your salary, if basic pay is below 50% CTC

Today, most organisations keep basic salary on the lower side, usually around 25 to 40% of the total CTC. The new Labour Codes are set to change how organisations calculate PF and gratuity for its employees.

Will variable pay and bonus be included in salary for EPF calculation under new labour codes?

BUSINESS

Will variable pay and bonus be included in salary for EPF calculation under new labour codes?

Under the new wage rules, companies must ensure that wages form at least 50% of CTC, which could pull various allowances including certain bonuses into the PF-eligible bucket.

New labour code to expand ESI coverage? Here’s what could change for employees

BUSINESS

New labour code to expand ESI coverage? Here’s what could change for employees

Under the new wage definition, social security contributions, including ESI, will be computed on 50% of CTC, which experts say could increase the number of employees eligible for ESI benefits

Large caps outperform flexi cap mutual funds as mid- and small-cap valuations stay stretched

BUSINESS

Large caps outperform flexi cap mutual funds as mid- and small-cap valuations stay stretched

Large-cap funds back in focus as PPFAS prepares to enter the category after success in flexi cap

Will your take-home salary fall under new labour codes? Here’s how it can impact your PF deduction

BUSINESS

Will your take-home salary fall under new labour codes? Here’s how it can impact your PF deduction

Under new rules 50 percent of employee's CTC will be taken for calculating for 12 percent PF deduction from employees' salary. If your CTC doesn’t change, your PF contribution increases and take-home may dip slightly.

How the new labour codes give women stronger workplace rights

BUSINESS

How the new labour codes give women stronger workplace rights

The government of India has notified that all four labour codes- the Code on Wages, 2019, Industrial Relations Code, 2020; Code on Social Security, 2020; and Occupational Safety, Health and Working Conditions (OSHWC) Code, 2020- would come into effect from 21 November 2025.

New Labour Code mandates gratuity after 1 year; definition of wages widened

BUSINESS

New Labour Code mandates gratuity after 1 year; definition of wages widened

Fixed-term employees now become eligible for gratuity after just one year of continuous service. Currently, employees are paid gratuity if they have completed five years of continuous service at the time of leaving the company.

SIP vs Lump Sum vs STP: What strategy works best for wealth creation

BUSINESS

SIP vs Lump Sum vs STP: What strategy works best for wealth creation

SIPs and lumpsum offer a more stable and consistent return experience than lumpsum investing, especially over a 7-year or longer time frame.

Infosys buyback opens today: 8 smart checks before you tender shares; eligibility, tax rules and more

BUSINESS

Infosys buyback opens today: 8 smart checks before you tender shares; eligibility, tax rules and more

Tendering shares in a buyback is tax-efficient if your total taxable income (including the dividend from the buyback) does not exceed the threshold of Rs 12 lakh for the Section 87A rebate under the new tax regime.

Japan’s bond jitters: Should Indian investors worry?

BUSINESS

Japan’s bond jitters: Should Indian investors worry?

When Japanese bond yields rise, global investors may shift capital away from emerging markets like India. This can lead to temporary FPI outflows, a weaker rupee, and upward pressure on Indian government bond yields

You can now not just drink your whiskey, but invest in it too

BUSINESS

You can now not just drink your whiskey, but invest in it too

With UK-based Marrowbone Lane Irish Whiskey offering investments to Indian investors, whiskey is no longer just a drink but a global asset too.

Why are global ETFs trading at a premium? What should investors do?

BUSINESS

Why are global ETFs trading at a premium? What should investors do?

Under normal circumstances, ETF prices should hover close to their NAV (net asset value). But as demand is soaring, prices have decoupled sharply from their real worth.

Tata Motors demerger decoded: How your cost splits between PV and CV shares, and what the 2018 rule means for you

BUSINESS

Tata Motors demerger decoded: How your cost splits between PV and CV shares, and what the 2018 rule means for you

Under the Income-Tax Act, when a company undergoes a demerger, the original cost of acquisition of your shares in the parent company must be apportioned between the demerged (old) company and the resulting (new) company.

Wealth Creation: Start investing at 20 and grow 93x, start at 40 and only 10x

BUSINESS

Wealth Creation: Start investing at 20 and grow 93x, start at 40 and only 10x

Even a small amount started early, can grow into something substantial. What matters most is consistency.

Delhi Red Fort blast: Is ex gratia compensation taxable? Here’s what income tax experts say

BUSINESS

Delhi Red Fort blast: Is ex gratia compensation taxable? Here’s what income tax experts say

Any amount received from the central government, state government, or local authority is exempt from income tax

Equity mutual fund inflows fall 19% MoM to Rs 24,690 crore in October: AMFI data

BUSINESS

Equity mutual fund inflows fall 19% MoM to Rs 24,690 crore in October: AMFI data

The total Assets Under Management (AUM) of the mutual fund industry rose to Rs 79.87 lakh crore in October, up from Rs 75.61 lakh crore in September

Delhi Red Fort blast: Does your insurance policy cover terrorist attacks?

BUSINESS

Delhi Red Fort blast: Does your insurance policy cover terrorist attacks?

The Indian Market Terrorism Risk Insurance Pool (IMTRIP) was established in April 2002 by all non-life insurers in India after international reinsurers withdrew terrorism coverage following the 9/11 attacks.

Gift or income tax trap? How the taxman views generous presents given by your family and friends

BUSINESS

Gift or income tax trap? How the taxman views generous presents given by your family and friends

Under Section 56(2)(x) of the Income Tax Act, gifts from “relatives” are tax-free, regardless of the amount. But gifts from non-relatives become taxable if their total value crosses Rs 50,000 in a financial year.

Exceeding credit card limit but clearing it before statement date: Will it still show high utilisation?

BUSINESS

Exceeding credit card limit but clearing it before statement date: Will it still show high utilisation?

If your statement reflects zero balance because you paid off early, the high utilisation may not be recorded

ITR Deadline for Tax Audit Cases: High Courts in Punjab & Haryana, Himachal Pradesh extend the due date; Will CBDT follow?

BUSINESS

ITR Deadline for Tax Audit Cases: High Courts in Punjab & Haryana, Himachal Pradesh extend the due date; Will CBDT follow?

CBDT earlier officially extended the specified date for furnishing tax audit reports for the Previous Year 2024-25 (Assessment Year 2025-26) from September 30, 2025, to October 31, 2025. There is generally a one month gap between tax audit deadline and the ITR for audited.

E-commerce, two-wheelers and credit cards get festive boost after GST cuts

BUSINESS

E-commerce, two-wheelers and credit cards get festive boost after GST cuts

Consumption rebounds across categories as tax reforms and digital adoption lift demand

Did tax twist take shine off Infosys buyback for promoters?

BUSINESS

Did tax twist take shine off Infosys buyback for promoters?

Selling in the open market attracts LTCG tax at an effective rate of 14.95%. In contrast, buyback proceeds are now taxed as dividend income at the investor’s applicable tax slab rate following an October 1, 2024 amendment

Got your tax refund this Diwali? Here's how to put the money to good use

BUSINESS

Got your tax refund this Diwali? Here's how to put the money to good use

Do remember, it is not a bonus or extra income. It is excess tax being returned, make it work for you

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