Personal Finance

Loan against property in 2025: Smart tips to secure the best rates and fast approval

Leveraging property value can be a powerful way to meet financial needs — if you know how to get the best deal.

Instant gold loans via UPI: How technology is making borrowing faster

With UPI integration, gold loans are becoming quicker, simpler, and more accessible than ever before.

Gifting mutual funds made easy: How to transfer units in non-demat mode

Passing on your mutual fund units to family or friends doesn’t always need a demat account—here’s how you can do it seamlessly.

One day late: How much impact does it really have on your credit score?

Even small delays in payments can affect your credit health, but the extent depends on several factors.

Gold Price Today in Top 10 Metro Cities of India: 18 September 2025

Check the latest gold rates in India’s top 10 metro cities as on 18 September 2025. Get 22K and 24K gold prices per gram and per 8 grams in Delhi, Mumbai, Chennai, Hyderabad, Bangalore, Jaipur, Kolkata, Pune, Ahmedabad, and Lucknow.

Paid income tax under new regime, but old regime shows zero tax liability—can I revise ITR and switch regime now for FY25

Moneycontrol’s Ask Wallet-wise initiative offers expert advice on matters related to personal finance and money-related queries

Personal Finance | A primer on how to use PE in investing

What are the determining factors in a PE ratio 

ICICI Bank minimum average balance now Rs 50,000 — How to calculate MAB, penalty and more

Under the new structure, customers of metro and urban branches need to maintain a minimum average balance of Rs 50,000. For rural branches, it is Rs 10,000.

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.

I want to sell gold inherited from my grandmother. What are the tax implications?

In the case of jewellery received before 2001 either the cost of acquisition to the previous owner or the fair market value (FMV) as on 1st April 2001, whichever is higher can be considered.

How to save taxes on freelance income through business expense deductions

Claiming legitimate expenses can reduce your taxable income and boost savings

Going abroad for work? What to do with your EPF account

Your EPF account is not automatically closed when you move abroad for work; it continues to be maintained until you withdraw the balance or transfer it to any another account.

Avoid TDS on FD interest legally: How to use Form 15G and 15H in 2025

Simple guide for low-income individuals and senior citizens to escape tax deductions on bank interest.

How to update your Aadhaar card online for free: These are the steps to register through myAadhaar

Mobile number is important because an OTP (one-time password) will be required to authenticate your identity before any updation.

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.

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

Missed your credit card payment? Here’s why that’s a big deal

Missing you credit card payment might seem like a minor blooper, but it quickly can escalate into some serious money trouble

Credit card rewards: Smart perks or spending trap?

We’ve all heard someone rave about free flight tickets or cashback on groceries thanks to their credit card. But is it really that easy—or is there a catch?

E-Aadhaar card: Features, password style and how to download it

The e-Aadhaar card is convenience and security focused. It contains a QR code that can be easily scanned to verify instantly.

Is your money at risk of being stolen if your Aadhaar is linked to your bank account? This is what UIDAI has to say

With Aadhaar-bank linking now the default, here's what you need to know about your money's safety.

Closing your bank account? 5 charges to check before you leave

Some private sector banks charge a higher fee if you close the account within six months of opening. Always check your bank's individual schedule and charges before requesting closure.