BUSINESS
GST exemption on insurance may not cut premiums without input tax credit, say experts
The additional cost from input credit reversal will likely be factored into the pricing of insurance policies, offsetting a large part of the intended relief for customers, they say
BUSINESS
Retirement Planning: Start monthly SIP of Rs 15,000 to accumulate Rs 10 crore at 60
If you start investing through a Systematic Investment Plan (SIP) at the age of 25, you need to invest just Rs 15,000 per month to reach Rs 10 crore by age 60, assuming 12% annual returns.
BUSINESS
GST 2.0: Can consumption based thematic mutual funds ride the rally?
The proposed GST rates cuts, if implemented, are likely to lead to a consumption wave, which will give an earnings boost to companies in the auto, FMCG and discretionary space
BUSINESS
What if you invested just before a crash? Even the worst-timed investments delivered 9–15% return annually
Bottom line is whether you invest before or after a crash, wealth creation comes from staying invested.
BUSINESS
Domestic mutual fund schemes that can give you indirect access to global markets
"For those seeking international exposure, select domestic funds such as Parag Parikh Flexi Cap and DSP Multi Asset Allocation offer indirect access to global markets and can serve as effective vehicles within a diversified portfolio."
BUSINESS
6 smart ways to lower health insurance premium without losing coverage
With some smart decisions, you can keep premiums in check without compromising on protection against serious illnesses
BUSINESS
ICICI Bank’s higher minimum balance: Here's how to make your idle money work for you
ICICI’s move is a reminder that idle money has an invisible cost. Inflation chips away at its value and the opportunity to earn more quietly slips away but there are options. Read on
BUSINESS
Sovereign gold bonds due for premature redemption on August 11 delivered upto 20% CAGR
The 2019-20 Series IX (issued in February 2020) and the 2020-21 Series V (issued in August 2020) will be redeemed at Rs 10,070 per gram
BUSINESS
Double, treble, 10x: What does it take to multiply your money
When it comes to building wealth, time is your real flex. Start early, be consistent and stay invested, play the long game
BUSINESS
Amid Trump tariff storm, should you pick multi-asset, sectoral or flexicap mutual fund?
For lump-sum investments, hybrid funds such as balanced advantage funds, multi-asset funds and equity savings schemes offer a more measured approach
BUSINESS
Trump's 50% tariff shock: Is it time to increase your gold, silver exposure?
Tariff wars usually spark global uncertainty and that is when gold and silver shine. These metals act as safe‑haven assets, rising whenever equities turn volatile or geopolitical risk increases
PERSONAL-FINANCE
Buying property from an NRI? Deducting TDS is buyer's responsibility—Here’s what to know
When buying property from an NRI, TDS rules differ significantly from those for resident sellers. If the property has been held for more than two years, it qualifies as a long-term capital asset, and the buyer must deduct 12.5% of capital gain as TDS, plus surcharge and cess.
BUSINESS
NSDL & CDSL: Zero brokerage doesn't mean zero cost; Understand DP charges on demat account
Understanding DP charges helps you read your contract note and ledger better. It also explains why even free delivery trades are not completely free
BUSINESS
FD vs MF vs small caps: How fast can you double your money?
If your goal is to double your money, your investment choice should depend on two things — how much risk you are willing to take and how much time you can stay invested
BUSINESS
From Rs 6.4 cr to Rs 3.5 cr: What just 5 years of delay does to your SIP returns
Starting your SIP at age 25 gives you 35 years of compounding magic, converting a modest Rs 10,000 monthly investment into an astounding Rs 6.4 crore by retirement.
BUSINESS
InvITs can deliver 12–15% return, nearly double of FDs and debt funds: Capital Infra CEO Manish Satnaliwala
Most fixed-income instruments offer 7–8% pre-tax. A right infrastructure asset class through an InvIT, can earn 12–15% pre-tax, says Satnaliwala
BUSINESS
Silver ETFs vs Fund of Funds: What you need to know about tax implication and costs
Investors can now access silver in digital form via Silver ETFs (Exchange Traded Funds) or Silver ETF FoFs (Fund of Funds). Both offer exposure to silver without the hassle of physical storage, but they differ in cost, convenience, and taxation.
BUSINESS
How much money do you need to retire if your monthly expenses are Rs 50,000?
Using a safe withdrawal rate of 3.5%, which is more realistic in the Indian context given the inflation and increasing life expectancy, you would require a retirement corpus of approximately Rs 1.7 crore
PERSONAL-FINANCE
The Last Word: How living wills help ensure death with dignity
These documents protect individuals from unwanted interventions and spare families the trauma of choosing between prolonging life and letting go.
BUSINESS
Today’s seniors aren’t looking for a retirement home, they want vibrant, secure neighbourhoods: Adarsh Narahari of Primus Living
Together with smaller nuclear families, longer life-spans, and greater financial confidence among retirees, is creating sustained demand for purpose-built senior communities.
PERSONAL-FINANCE
Why you shouldn’t pick new tax regime by default for ITR 2025 even if your salary is below Rs 12 lakh
Here’s the key detail that many may have missed: the new tax regime changes—particularly the Rs 12 lakh tax rebate —will only apply from financial year 2025–26
BUSINESS
Will 20% ethanol blending with petrol impact your car insurance premium?
For now, E20 fuel does not seem to impact motor insurance premiums
BUSINESS
I am 25 and want to retire at 40. What is my FIRE number with monthly expense of Rs 50,000?
Financial Independence, Retire Early (FIRE) requires aggressive planning, especially when you aim to retire at 40 with just 15 years of income but 45–50 years of retirement ahead
BUSINESS
Lost money on stocks or mutual funds this year? Don’t skip declaring your capital losses in ITR
It is important to mention capital losses while filing income tax return, as it will help in setting it off against future income.
