Personal Finance

Planning to book profits in gold or silver ETFs? Know why Rs 1.25 lakh LTCG tax exemption limit won’t apply

Gains from Gold and Silver ETFs are taxable as capital gains because Gold and silver ETFs are funds that mirror the market prices of physical gold or silver, typically backed by actual metal in vaults

Your salary account can quietly cap your loan — even if your income looks solid

Banks don’t just verify what you earn. They infer how close to the edge you operate by reading your salary account line by line.

Sebi ends solution-oriented funds: Will your scheme be merged, closed or continue? What investors need to do

The old scheme has to be merged with the new schemes that have similar asset allocation and risk profiles, subject to Sebi’s approval

Planning for your child’s foreign education starts earlier than you think

Tuition is only one part of the cost. The real preparation lies in timing, currency strategy and disciplined investing over a decade or more.

Chasing sectoral fund winners often backfires, says Nilesh D Naik

Sectoral funds attract investors despite cycles repeatedly punishing performance-chasing behaviour.

EPFO maintains 8.25% interest rate on EPF deposits for 2025-26

Over the past decade, the interest rate on employees’ provident fund (EPF) deposits has experienced a slight decline

Check safer alternatives to equities as markets turn volatile amid Iran-Israel conflict

Experts suggest that investors should consider complementing equities with other stable asset classes to maintain stability during periods of uncertainty.

When a credit card balance transfer actually saves you money — and when it doesn’t

A promotional rate can shave lakhs off your interest bill — but only if you treat it like a timed repayment project, not a pause button.

Before you buy that second flat, run this calculation

A second property can look like wealth on paper, but whether it actually builds wealth depends on cash flow, taxes and timing — not just rising prices.

How to plan your finances when your income is unpredictable

If your money comes in waves instead of monthly paydays, your financial system has to be built for that rhythm — not against it.

Gold, silver ETFs surge as Iran conflict widens. What should investors do?

For investors, the situation underscores the importance of disciplined asset allocation rather than tactical speculation

Bitcoin slides $65,138 on US-Israel-Iran tensions; what should investors watch?

while macro pressures are creating short-term caution, institutional participation and capital inflows suggest resilience beneath near-term market fluctuations, says analyst.

Sensex falls over 1,200 points on Iran-Israel war; should SIP investors hit pause or stay invested?

For millions of retail investors, the market mayhem has triggered a familiar anxiety

Gold price surges 3% to Rs 1.67 lakh on MCX amid Israel-Iran conflict; what's the near-term outlook?

If there are diplomatic developments or indications of de-escalation, precious metals could see profit-taking after an initial spike of 3-6 percent, says analyst.

Can you claim Section 54EC exemption on a depreciated property? Here’s what tax rules say

Section 54EC provides for exemption to any assessee from long term capital gains arising from transfer of long term capital asset being a land or building if the capital gains are invested in capital gains bonds of specified financial institutions within six months .

Gold, Silver Rate Today (Mar. 2) – Live Updates: MCX gold surges 4.36 % crosses Rs 1.69 lakh, silver up 4.9% at Rs 2.96 lakh amid heightened US-Israel-Iran conflict

Apart from geopolitical tensions and safe-haven demand, gold and silver prices remain supported by sustained central bank purchases, regulatory easing in China, and rising ETF investments in India.

US-Iran-Israel tensions expected to lift gold and silver; should investors book profit?

Gold tends to rise quickly as it is seen as a store of value when the world feels unstable, says analyst.

Retirement planning: Should you lock money in NPS or stay flexible with mutual funds?

This isn’t a question of which is better. It’s a question of what problem you’re trying to solve.

Can your travel insurance cushion cancellations and delays amid US–Israel attack on Iran?

Industry experts noted that travellers who have already purchased comprehensive travel insurance are relatively better protected against sudden disruptions

Loan moratorium: Relief today, higher repayment tomorrow

A moratorium can protect you in a crisis. It can also quietly increase your total debt if used casually.

Israel Iran War: Why borrowers should be cautious about gold loans despite the expected boom in gold prices

While gold loans can serve immediate liquidity needs, they are best considered when repayment visibility is clear

When interest rates drop but your EMI doesn’t

If interest rates are falling but your EMI isn’t, the problem is usually not the headline rate. It’s how your loan actually behaves.

When you stop paying your credit card, the clock starts ticking

It doesn’t blow up overnight. It snowballs quietly, and by the time it’s loud, the damage is already done.

US-Iran-Israel war tensions spark bullish outlook for gold and silver

Gold and silver prices remain supported by heightened geopolitical tensions involving the US, Israel and Iran that are driving safe-haven demand for precious metals.