Personal Finance

Harsh Roongta says investors should seek personalised advice from advisers with a long-term stake in their well-being, repay loans, secure insurance and build savings habits

Do targeted reading of the prospectus to assess an IPO on fundamentals

The Supreme Court held that an agent had neither express nor implied authority to receive premiums on the insurer's behalf, and hence upheld the repudiation of claims

Several fund houses have suspended lump-sum purchases and new investment plans, while existing instalments and redemptions continue.

Cap total equated monthly instalments at 40 per cent of take-home income, choose a manageable tenure, and check prepayment terms

Allocate 10-20 per cent of your equity portfolio for style diversification and wait patiently for performance to turn around

From luxury resale and regifting to charitable auctions and the circular economy, gifts are finding second lives. This Diwali, the question is not just what we give, but what happens to it afterwards

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

The pension regulator is widening investment options and simplifying digital enrolment to expand retirement coverage.

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

Reassess these holdings, avoid averaging down on price alone, and keep exposure modest

Insurers want a mandatory 10 per cent co-pay on retail health policies for lower premiums, but with non-payable costs, policyholders could end up paying 15-19 per cent of hospital bills.

If you want to stick with FDs, but don't particularly like the low rates offered by banks, a corporate FD might just be the ticket for you

Bank deposits will join the Consolidated Account Statement (CAS) from January 1. But will the move finally give consumers a complete picture of their financial life?

How to save ₹55k on home loans after rate hikes: Increase your monthly EMI instead of loan tenure. Expert guide to floating rate resets, EBLR, MCLR, and prepayments in India.

Active and passive funds offer different advantages across market-cap segments, making a mix of both a sensible portfolio strategy

Investors should compare the premiums under NPS Swasthya with those of the standalone super top-ups offered by insurance companies

Focus on building an emergency buffer, clearing high-interest debt and setting up automated index fund contributions

Commit only money you can leave invested for years

Choose a fund you can hold to maturity, and assess its return after factoring in costs