Sanjeev Sinha

Buyers must continue loan repayments despite construction delays, but can pursue refunds, compensation or legal action against builders

Report unauthorised transactions immediately, preserve evidence and pay undisputed dues on time

Use official apps and websites, check parcels before paying, and report financial fraud immediately

Marriage alone does not make a spouse liable for a deceased borrower's debt. Recovery depends on whether the spouse was a co-borrower or guarantor, or inherited assets from the deceased

Preserve old valuation and inheritance records; document family lockers and explain the source of each holding

With pockets of this segment turning expensive, investors should rebalance if overweight and invest in a staggered manner

Tie payments to project's progress; verify title, approvals and Rera disclosures

Avoid duplicate claims, and enforce an existing order in the same forum

Keep a document inventory, complain in writing and seek compensation for delays or loss

Match fund duration with your horizon, stagger fresh investments, and avoid panic exits

Choose the right return form, reconcile tax records and disclose all income and assets

The one-time scheme lets eligible taxpayers regularise certain past non-disclosures by paying a prescribed tax or fee and seeking immunity under the Black Money Act

Check the annual remittance limit, when tax is collected or deducted at source, and when you must disclose foreign assets

Balanced hybrid funds maintain 40-60 per cent allocations to both equity and debt, offering moderate-risk investors diversification and rule-based rebalancing

Collect evidence at accident site, file FIR, avoid hasty settlements, and file MACT claim against driver and registered owner

Collect evidence at accident site, file FIR, avoid hasty settlements, and file MACT claim against driver and registered owner

Taxpayers can still file a belated return by December 31, but they may have to pay a late fee, interest and forgo certain tax benefits available with timely filing

Legal heirs must bear in mind that the income tax return for the year of death must be filed and tax, if due, must be paid

Verify it, respond within deadline; file revised or updated return if needed

From credit scores and co-borrowers to collateral, margin money and tax benefits, understanding these education loan misconceptions can help borrowers avoid costly mistakes