Harsh Roongta
 "Harsh Roongta")
Harsh Roongta
Harsh Roongta is the founder of Fee Only Investment Advisers LLP a Sebi registered Investment advisory Firm. He is a Chartered Accountant by qualification (1983). A personal finance expert, he writes a fortnightly column “Truth be told” for Business Standard.
Harsh Roongta is the founder of Fee Only Investment Advisers LLP a Sebi registered Investment advisory Firm. He is a Chartered Accountant by qualification (1983). A personal finance expert, he writes a fortnightly column “Truth be told” for Business Standard.
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They are good enough to die for us but ...
Clearly any reasonable person will be outraged that the banking system has placed our soldiers in the lowest hierarchy of the new "caste" system that has been created
Are banks wrongly branding people as defaulters?
Credit bureaus have become a weapon banks wield even against a consumer who deserves much better
Should you obsess about your Cibil score?
If you pay your debts on time and have reasonable debt in line with your income, you are fine
Do you know your home loan interest rate?
RBI and NHB have both acknowledged the market practice of Indian lenders is to charge higher rates to old home loan consumers, while providing lower rates to new ones
 "Do you know your home loan interest rate?")
Take care: Exit ahead!
Just as you eliminate the impact of timing by investing in SIP mode, you must also exit systematically. Ideally, you should exit in the same extended fashion in which you invest, though this is unlike
The more things change, they actually change...
HFCs such as HDFC, LIC Housing Finance, etc, are governed by the NHB and do not have to follow the base rate mechanism
 "The more things change, they actually change...")
High home loan rate? Shift to a bank with low spread
Discrimination between old and new customers have come down after base rate
 "High home loan rate? Shift to a bank with low spread")
Choose from multiple health insurance policies
How to choose from multiple health insurance policies in case of a claim is a question asked time and again
Beware, your CIBIL report is easily available
CIBIL has played a yeoman's role in bringing consumer awareness about maintaining credit discipline
Can inflation-indexed bonds wean investors away from gold?
Jewellery accounts for about 80 per cent of the demand for gold in India; about 15 per cent is for investment
 "Can inflation-indexed bonds wean investors away from gold?")
Cobrapost sting: Did bankers promise jumping AML rules?
Strict anti-money-laundering regulations should be implemented, as these act as brakes on illegal trade
 "Cobrapost sting: Did bankers promise jumping AML rules?")
Invest Rs 40 lakh for tax benefit of Rs 20,000
The Budget proposal for additional home loan deduction will have little impact on the market
Getting refund is more painful than tooth extraction
Though the income tax rates are reasonable, our tax laws can hardly be called stable because of constant amendments
Why should we expect financial services sector to follow regulations?
The banking ombudsman scheme has been invaluable in terms of providing a quick and inexpensive grievance redressal mechanism for consumers
How credit card frauds take place
Reduce the credit limit on your card if you do not use it. Most banks have this facility, and the original limit can be restored if you need it
Higher EPF deduction can help build better retirement kitty
The Employee Provident Fund (EPF) contribution should no longer be restricted to 12% of basic and dearness allowance, according to a recent circular
