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  • Celebrate womanhood, invest smartly on International Women's Day Mar 07, 2017 12:10 PM IST

    Celebrate womanhood, invest smartly on International Women's Day

    A woman's financial plan must be aimed at creating long-term financial stability. Their emotional needs must be factored into the financial plan.

  • Still undecided on tax saving? Here's the best option for you Feb 21, 2017 12:39 PM IST

    Still undecided on tax saving? Here's the best option for you

    Financial planners and experts seem to be in agreement that Equity Linked Savings Schemes (ELSS) is the best investment avenue under Section 80C of the Income Tax Act since it outscores other options in terms of liquidity and returns.

  • COMMENT: Why EMIs haven't fallen sharply despite RBI's easing cycle Feb 08, 2017 05:55 PM IST

    COMMENT: Why EMIs haven't fallen sharply despite RBI's easing cycle

    Since January 2015, the Reserve Bank of India (RBI) has cut the repo rate by 175 basis points or 1.75 percentage points from 8 percent to 6.25 percent.

  • Budget 2017: Is NPS a good retirement plan despite withdrawals being taxed? Feb 06, 2017 12:29 PM IST

    Budget 2017: Is NPS a good retirement plan despite withdrawals being taxed?

    Experts feel NPS continues to be a good retiral product for the salaried segment since it is market-linked and professionally managed.

  • Interest rates on small savings schemes cut by 0.1% Sep 29, 2016 09:58 PM IST

    Interest rates on small savings schemes cut by 0.1%

    Interest rates on small savings schemes have been reduced marginally by 0.1 per cent for the October-December quarter of 2016-17, leading to lower returns on Public Provident Fund, Kisan Vikas Patra, Sukanya Samriddhi Account, among others.

  • Cut in small savings rates 'win-win' for govt, banks: Nomura Mar 21, 2016 03:20 PM IST

    Cut in small savings rates 'win-win' for govt, banks: Nomura

    According to the Japanese financial services major, lower small savings rates, along with marginal cost-based pricing of loans from April this year should facilitate an improvement in monetary policy transmission from April-June period onwards.

  • DMK chief Karunanidhi opposes cut on savings interest rates Mar 21, 2016 07:42 AM IST

    DMK chief Karunanidhi opposes cut on savings interest rates

    "By slashing the interest rates on these small saving schemes, the interest among the poor and middle-class people to invest in such schemes will decline," he said listing schemes like the Public Provident Fund (PPF), National Savings Certificate and Kisan Vikas Patras.

  • Six ways women can save money for their golden years Mar 08, 2016 09:36 AM IST

    Six ways women can save money for their golden years

    It is time to channelize some of that financial management to saving for the future.

  • Are the salaried second class citizens of the country? Mar 01, 2016 02:23 PM IST

    Are the salaried second class citizens of the country?

    Budget proposals about EPF taxation have either been drafted in a hurry or have deliberately been made to be unjust to salaried people.

  • No tax on PPF withdrawal; only interest to be taxed in EPF: Govt Mar 01, 2016 12:38 PM IST

    No tax on PPF withdrawal; only interest to be taxed in EPF: Govt

    Hasmukh Adhia also said that only the interest accrued on 60 percent contribution to Employee Provident Fund (EPF) after April 1, 2016 will be taxed while the principal amount will continue to remain exempted from tax.

  • Budget 2016: Survey backs EET taxation system for savings Feb 26, 2016 06:48 PM IST

    Budget 2016: Survey backs EET taxation system for savings

    Currently, a deposit in 15-year Public Provident Fund is exempt from taxes both at investment stage, at the time of getting interest as well as withdrawal.

  • Do you know this about your superannuation benefits? Feb 23, 2016 03:54 PM IST

    Do you know this about your superannuation benefits?

    Knowing your superannuation amount upfront can help you plan your retirement in a much more effective manner.

  • Tax planning: Invest only after evaluating the options Feb 01, 2016 06:12 PM IST

    Tax planning: Invest only after evaluating the options

    One must understand the available investment options for saving income tax. An option chosen after due diligence can help you to achieve various financial needs.

  • Why you should be investing in NPS this year? Jan 15, 2016 10:49 AM IST

    Why you should be investing in NPS this year?

    NPS as a retirement tool has become attractive with low cost, flexibility & long term higher growth due to equity component. While NPS is highly recommended, one also has to see the age of entry & likely corpus accumulation to have a meaningful pension.

  • Is it possible to save tax and create wealth? Dec 28, 2015 05:31 PM IST

    Is it possible to save tax and create wealth?

    Tax saving mutual funds, also known as ELSS, do come with some volatility, but in the long term they also offer an opportunity to create wealth.

  • Govt to review interest rate on small saving schemes: Das Sep 29, 2015 02:06 PM IST

    Govt to review interest rate on small saving schemes: Das

    With small saving deposits commanding an interest rate of 8.7 to 9.3 percent, banks have been reluctant to transmit the entire policy rate cut by RBI to borrowers. They want to keep their deposit rates attractive to match with those in small saving schemes, popular among masses.

  • Bankers see higher PPF rate limiting more deposit rate cuts Aug 02, 2015 04:35 PM IST

    Bankers see higher PPF rate limiting more deposit rate cuts

    Bankers have said there is more room to cut deposit rates which can help bring down lending rates, but fear that competing savings instruments like PPF and tax-free bonds will limit their ability

  • Govt stops interest rate for General provident fund at 8.7% Apr 21, 2015 02:15 PM IST

    Govt stops interest rate for General provident fund at 8.7%

    The interest rate for GPF is in line with the interest rate fixed for Public Provident Fund (PPF) at 8.7 percent for 2015-16. The government had, however, raised the interest rates for other small saving schemes.

  • Tax efficient investment tools for retirees Nov 27, 2014 03:17 PM IST

    Tax efficient investment tools for retirees

    Provident Fund is an ideal investment opportunity for the seniors. The downside however is that public provident fund investments are subject to a maximum eligible amount of Rs 1, 00,000 per annum

  • All that you need to know about saving tax Mar 10, 2014 05:23 PM IST

    All that you need to know about saving tax

    The income earned in a year, is taxable in the following year. For tax purposes, the year in which income is earned is known as previous year and the following year in which it is assessed and considered taxable, is known as assessment year.

  • Little-known tax benefits you must be aware about Mar 05, 2014 05:02 PM IST

    Little-known tax benefits you must be aware about

    Along with Public Provident Fund, life insurance policies and home loans, there are other important tax deductions that you can claim

  • Unravel the Public Provident Fund in 5 steps Mar 08, 2013 06:48 PM IST

    Unravel the Public Provident Fund in 5 steps

    Public Provident Fund (PPF) ranks as one of the more popular investment avenues for risk-averse investors, as also for individuals looking at saving taxes. Here are five defining features of the PPF that give you a good idea about how it can add value to your portfolio

  • 7 things you should know about PPF Feb 27, 2013 06:54 PM IST

    7 things you should know about PPF

    Want to invest in Public Provident Fund (PPF) but not sure how it works? Read this space to know 7 important things that you should know about PPF.

  • Best tax saving fixed income investments under section 80C Feb 11, 2013 04:17 PM IST

    Best tax saving fixed income investments under section 80C

    It is again that time of the year when taxpayers invest in tax saving instruments to save their tax. Investors especially who are risk averse in nature bend towards Fixed Income instruments. Read this space to know various tax saving options under Fixed Income space that will not only help you to save taxes but also yield attractive returns.

  • How is life insurance different from a PPF? Jan 22, 2013 01:44 PM IST

    How is life insurance different from a PPF?

    The saving needs of each and every individual are unique. Most individuals do not make wise decisions in terms of investments as they will often invest in certain products without fully evaluating the product features and their own financial needs.

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