Personal Finance

Selling a redeveloped flat? Here's how capital gains will be calculated

For calculating the cost of the redeveloped flat, the original cost is not relevant. What matters is the market value of the redeveloped flat on the date one took possession

Silver price today: Rates hold strong at $58.46 amid dovish Fed signal; Check 24K, 22K, 18K prices in your city

Gold and silver continue to rise as recent data indicates a gradual cooling of the US economy, combined with dovish signals from Fed policymakers, has bolstered market, says Augmont Bullion report.

Gold price today, December 4: Rates up at $4,213, moving closer to highest level since Diwali; Check 24K, 22K,18K prices in your city

India’s December gold futures closed the trade strong yesterday, moving closer to its highest level since October 17 when the price hovered just above Rs 1,32,294.

SGB alert: Massive 332% return! RBI sets final redemption price for SGB 2017-18 Series X maturing Dec 4; check price

Investors who subscribed to this tranche can expect the proceeds to be credited to their bank accounts on the redemption date, offering them returns aligned with the strong performance of gold prices over the eight-year period.

Cyber and gadget insurance: Do you really need it for your phone in 2025?

A clear look at what these policies actually cover — and when they’re worth paying for.

Improved credit score? RBI rule change can help you slash your home loan EMI faster

A recent change in RBI rules means home loan borrowers with improved credit scores no longer have to wait three years to ask their bank for a lower interest rate.

NPS KYC norms update by PFRDA; digital onboarding enabled for NRIs, OCIs

The guidelines lay down the KYC process to be followed by the NRI and OCI at PFRDA registered point of presence (PoPs) to obtain and verify the proof of identity and proof of address at the time of subscribing to the NPS.

Understanding annuities: A clear look at guaranteed retirement income

A simple guide to how annuities work, who should buy them, and what returns to expect.

Maternity insurance adoption jumps as young families seek financial security

Policybazaar data also shows rise in OPD covers as consumption-first trend grows, with Tier 2 and 3 cities leading the surge

Why your credit score matters more than you think — from your 20s to your 60s

A practical look at why your score starts mattering long before you plan a home loan — and continues to matter long after you think you’re done borrowing.

How to spot personal loan scams before they reach your inbox

A practical guide to recognising subtle and fast-growing loan scams before they reach your inbox or bank account.

Aadhaar authentication transactions grow 8.5 pc YoY to 231 cr in November

The November 2025 authentication transactions are the highest so far when compared with any of the previous months this fiscal year, the statement said.

What to do after credit card fraud: The immediate steps that really matter

Quick, calm action in the first few hours can make the difference between a contained loss and a long, messy dispute.

Want to save LTCG tax by buying a house? Here's your guide to Sections 54, 54F

Both Sections 54 and 54F are powerful tools for tax-efficient wealth planning but they work very differently and misunderstanding the conditions can lead to costly mistakes

Silver price today: Rates hold strong at $58.49 amid hopes for another Fed rate cut; Check 24K, 22K, 18K prices in your city

The anticipation that the incoming Fed Chair is going to be more dovish than past ones is also helping gold and silver, says Augmont report.

How gifts to your siblings, spouse’s brothers and sisters are taxed; exemptions and paperwork explained

Gifts received from “specified relatives” are exempt. Apart from parents, siblings, and children, this definition also includes the spouse of one’s brother or sister.

Bitcoin stems the fall, inches towards $93,000 on hopes of Fed rate cut

Bitcoin gained around 7 percent in the past 24 hours as volatility continues. US inflation data and Fed rate expectations will decide its trajectory, experts say

Gold price today, December 3: Rates recover 1% to $4,218 after dip in yesterday’s trade; Check 24K, 22K, 18K prices in your city

Gold prices traded strong on Monday reaching 1,31,000 levels, and took a dip during yesterday’s trade.

Making inheritance simple: How wills, nominees and beneficial owners actually work

A practical guide to keeping your assets dispute-free and easy for your family to access.

Should you switch from BNPL to a UPI credit line? Pros, cons and practical tips

A simple explainer on the two short-term credit options and how they affect your spending and repayments.

Should you invest in sectoral mutual funds in 2025? What they are, and the pros and cons explained

A simple guide to understanding how sectoral funds work and whether they belong in your portfolio today.

Want to invest in US stocks? 4 ways Indians can start today

A clear guide to the practical routes available for Indian investors who want exposure to the world’s biggest tech brands.

Rupee hurtling towards 90, here's how to guard your portfolio against currency turmoil

The rupee sank to a new low of 89.92 against the dollar on December 2. Experts recommend diversifying portfolios with global equities, gold and export-oriented sectors to hedge against further depreciation