Harsh Roongta

An investor's instinct to live off 'income' and not 'touch capital' is a common bias. Understanding it can lead to better, more tax-efficient withdrawal strategies

A simple 'Buy now, pay later' click can trigger a full loan without consent. Weak verification, no alerts, and instant disbursals are fuelling identity fraud in India's digital lending ecosystem

Vidyawati still had to visit the school to check whether the credit had actually come through, losing a day's work in the process

Requiring banks to hold more capital for under-construction loans and less after completion would make their higher risk evident through the resulting interest-rate differential

once a car is handed over with due intimation, the dealer would be deemed the owner and held liable for any incidents during possession, According to the draft rules

The advantages of investing overseas through Indian mfs are clear: a stable regulatory framework, competitive fund choices, and the ability to invest small amounts systematically

In the portfolio management services (PMS) space, most clients prefer paying fund managers directly from the invested corpus, as it lets them track returns from a single pool

Other regulators should follow Sebi's lead in explicitly stating that once a client completes KYC with one intermediary, they shouldn't have to repeat the process with another

The digital tax era promised ease - pre-filled returns, real-time data, and seamless reporting

Many investors can choose average over exceptional for most of their money. This will give them peace of mind and the freedom to take risks with the rest

So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them not to DICGC's fine print but to hybrid funds

If millions of gig workers are forced into EPF without the option of NPS, complaints about the system's inefficiencies will intensify as its shortcomings inevitably emerge

Withholding economic benefits - like tourism revenues - can impel nations to pause and reflect. Even if it doesn't lead to immediate change, it conveys the sentiment of Indians

Unnecessary competitiveness shifts our focus from our own destination to imagined races. It turns a fulfilling long-term journey into a relentless sprint that leaves us tired and anxious

A dedicated authority - focused on returning these assets - would be better positioned to overcome the psychological resistance that regulators have, to enabling searches based on names

Clearly define the authority of the PoA holder, which should get activated upon confirmation of mental incapacitation by an independent medical panel

A system that allows buyers to pay taxes directly to the government while paying would enhance trust, improve tax compliance, and accelerate tax collection

Employees must be allowed to pause or reduce ontributions, and the promised portability between EPF and NPS should be enabled

Truth be told, the government can also benefit from a successful variable PPP. If private-sector employees adopt it, government employees could follow

The reduction in TDS rates and rationalisation of TCS provisions are welcome steps