Personal Finance

Systematic Investment Plan: How SIP works and why starting early helps

A Systematic Investment Plan is a method of investing a fixed sum of money at regular intervals, such as weekly, monthly or quarterly, in a mutual fund scheme

Covered & secured: How to buy, renew, claim health insurance for family

A health insurance policy should cover following expenses incurred by a patient subject to the overall amount insured in the policy period.

Retirement planning for beginners: It's not an overwhelming task to do

A retirement plan is not something you set once and forget. It needs small adjustments over time.

Investing for the first time? Know what various asset classes can do

Before proceeding with your investment journey, identify the requirements or goals for which you will use your investments.

How to move beyond saving and start investing without overthinking

Setting money aside every month is a sign of disciplined financial planning, but the intent and outcome of saving money versus investing it are quite different.

Personal finance for freelancers: Building emergency funds, managing taxes

Freelancers should always keep records of their invoices, payments received, and business-related expenses.

Provident fund investment: What to know about EPF, VPF and passbooks

EPF is the standard contribution deducted from one's salary. VPF is optional - you choose to contribute more.

Tax planning for young professionals: Deductions and Section 80C explained

Before claiming deductions under Section 80C, understand which tax regime suits you and how taxable income is calculated.

Emergency funds: How much to keep and where to park it?

An emergency fund is the money that one needs to keep aside to tackle an unexpected setback one might face.

Income-tax filing for young earners: documents, AIS and deadlines

Filing the income tax return is only half the battle. After submission, you have 30 days to e-verify your return.

Multi-factor funds: Choose the right mix to balance risk and returns

Check the track record of the factor combination, tracking error and expense ratio before investing

Govt opens Indian stocks to foreigners, raises investment limits: Explained

New rules raise ownership limits and allow more overseas individuals to invest in listed Indian companies

US 401(k), UK or Canada pension plans: How Form 40 defers tax for NRIs

Returning to India with a foreign pension account? Form 40 can help defer tax and avoid timing mismatches

NPS goes digital: PFRDA launches StAR NPS, onboarding process explained

Digital KYC, direct fund transfers and instant PRAN generation aim to simplify NPS enrolment for investors

RBI holds repo rate at 5.25%: What it means for your home loan repayment

Repo rate pause keeps home loan EMIs steady as RBI balances inflation risks and growth concerns amid global uncertainty

Documents to tax rebate: Everything you wanted to know about home loans

Apply for a loan that matches your repayment capacity to improve approval chances

Fixed deposits, liquid funds and debt funds: What's the difference

Know how quickly you can earn money, what the interest rates are, taxes you may have to pay

Health insurance before investing: Why protection should come first

As health care costs rise, health insurance will ensure you do not have to deplete your savings or take a loan in case of an emergency

Home loans for young earners: Eligibility, interest rates, hidden costs

A household is considered financially safe if their total EMI outgo is less than 40 % of total monthly income

Home-loan tax rules explained: Deductions, sections and proof required

Taxpayers servicing a home loan may claim deductions under Section 80C, Section 24, Section 80EE and Section 80EEA, depending on eligibility.