Personal Finance

If you wish to stay safe, stick to the minority that has a Sebi-registered investment adviser or research analyst licence

Verify alerts through official channels, never install files sent by text, and report fraud immediately

The deadline depends on your income type. Here's who must file by July 31 and who gets another month

Early filers should recheck AIS, Form 26AS, TDS credits and bank details to avoid refund delays or tax notices

A card with zero cross-currency conversion charge will allow you to load US dollars and then spend in any currency without incurring further charges

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

The Centre has retained the GPF interest rate at 7.1% for July-September 2026. Here's who will benefit and what's changed

Beware that funds with higher exposure to mid- and smallcaps are likely to be more volatile

Retiring central government employees can now apply for CGHS pensioner cards with less paperwork through the Bhavishya portal

E-verification is the final step in filing your ITR. Here's how to do it by using Aadhaar OTP, EVC or net banking

Annuitise only essential expenses, retain liquidity and compare payout options and rates before purchase

Experts say Sebi's simpler norms cut paperwork, but nominations and updated records remain crucial

The proposed reforms aim to widen pension coverage, allow flexible retirement payouts and include gig workers

Use them as part of a portfolio containing multiple factor strategies

Check the underlying index and concentration, and invest for at least five years

In this Personal Finance special, we explain how increasing your SIP by just 5% or 10% every year can help you achieve your financial goal up to four years sooner

Those who do not understand the underlying equity and debt indices should stay away

Credit utilisation ratio should remain below 30%

Opting for a deductible can reduce premium costs, preserve your no-claim bonus and make health insurance more efficient for meeting large medical expenses