Sanjeev Sinha

A 13-14% medical inflation rate makes upward revision of sum insured essential

Systematic Unit Redemption offers market-linked returns and deferred tax payment, but does not guarantee pension for lifetime

End users should look beyond prime locations to emerging corridors and peripheral micro-markets that offer better pricing without compromising long-term liveability

If you file an updated return later, you will have to pay interest and additional tax, and will not be able to claim refunds

Once search or survey begins, even updated return may not be allowed

Policies typically reimburse cancellations for reasons such as medical emergencies, death of an immediate family member, or natural disasters

Follow this complaint escalation path: Bank's grievance cell, ombudsman, consumer commission, and then civil or criminal court

Tax department warns of penalties, details how to revise returns by December 31 deadline

Take-home pay may dip temporarily, expect retirement savings to rise

Overstating income or injuries, false implication, or missing hearings and notices can result in rejection

New investors should take limited exposure with long horizon

When base and super top-up are from different insurers, the second insurer may offer reimbursement, not cashless

While properties can be purchased in such auctions at a discount to market value, they carry the risk of hidden liabilities

Lawful possession and an unbroken, valid chain of documents are other pre-requisites before registering a property, else ownership may not be guaranteed

End users should prioritise ready-to-move or near-completion projects to avoid project delays due to developers facing liquidity pressure

Whether you wish to assess a developer's track record or the quarterly progress of a project, this is the source you should turn to

To strike a balance between the need for protection and affordability, combine base policy with super top-up

Remind elders that genuine officials never demand money or threaten arrests over the phone or video call

Seller must ensure the vehicle remains insured during ownership transfer so that any liability is borne by the insurer, as per the Himachal Pradesh High Court ruling

Those with multiple loans, irregular earnings, or poor repayment habits should avoid this form of quick credit