 "Sanjay Kumar Singh")
Sanjay Kumar Singh
Sanjay Kumar Singh
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
Sanjay Kumar Singh
Too many IPOs? How to separate quality from hype during a listing frenzy
Read the RHP, compare valuations and do not chase grey market premiums or listing gains. Investors should check whether the fundraise is for business purposes or for existing shareholders.
 "Too many IPOs? How to separate quality from hype during a listing frenzy")
Vector-borne disease insurance: Who needs it and who may skip the cover
Benefit-based plans offer a fixed payout on diagnosis but have a narrow scope; buyers with regular health insurance should assess whether they need supplementary protection
 "Vector-borne disease insurance: Who needs it and who may skip the cover")
Buying property? Mutation of ownership alone does not prove title
Trace the title chain, check encumbrances and verify every owner's right to sell before buying a property; mutation, tax records and possession alone do not establish ownership
 "Buying property? Mutation of ownership alone does not prove title")
Unregistered housing project: Know risks and exit options before booking
Buying into an unregistered housing project can expose homebuyers to legal, financial and construction risks. Here's how to verify a project and seek redress
 "Unregistered housing project: Know risks and exit options before booking")
Rallies and reversals since 1991: The lessons for Indian investors
Avoid leverage, respect valuations and let earnings, cash flows and balance sheet strength, not narratives, guide investment decisions
 "Rallies and reversals since 1991: The lessons for Indian investors")
Buying property? Check rental yield to avoid overpaying, assess fair value
Besides a high current yield, it is also crucial to assess whether it will sustain
 "Buying property? Check rental yield to avoid overpaying, assess fair value")
Using MTF? Keep sufficient cash for margin calls, avoid forced selling
Investors should restrict margin trading facility use to liquid stocks, maintain adequate cash buffers for margin calls, and avoid excessive leverage during periods of market stress
 "Using MTF? Keep sufficient cash for margin calls, avoid forced selling")
Gold loan repayment option: Choose based on cash flow, not loan eligibility
Compare total cost and maintain a buffer to reduce auction risk
 "Gold loan repayment option: Choose based on cash flow, not loan eligibility")
Reforms@35: From UTI monopoly and assured returns to SIP investment boom
How the continuing reforms in the MF space have created an over ₹82 trillion powerhouse
 "Reforms@35: From UTI monopoly and assured returns to SIP investment boom")
How safe is it to accept finfluencers' investment recommendations?
If you wish to stay safe, stick to the minority that has a Sebi-registered investment adviser or research analyst licence
 "How safe is it to accept finfluencers' investment recommendations?")
How to identify banking SMS scams before they empty your bank account
Verify alerts through official channels, never install files sent by text, and report fraud immediately
 "How to identify banking SMS scams before they empty your bank account")
Compare forex cards on total costs and complete transparency in charges
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
 "Compare forex cards on total costs and complete transparency in charges")
Immediate annuities: Multiple options available, weigh trade-offs carefully
Annuitise only essential expenses, retain liquidity and compare payout options and rates before purchase
 "Immediate annuities: Multiple options available, weigh trade-offs carefully")
Passive hybrid funds: Understand index mix, tax treatment before investing
Those who do not understand the underlying equity and debt indices should stay away
 "Passive hybrid funds: Understand index mix, tax treatment before investing")
Credit cards & Gen Z: Spending should not exceed 20-30% of take-home income
Credit utilisation ratio should remain below 30%
 "Credit cards & Gen Z: Spending should not exceed 20-30% of take-home income")
What is new about the EPF 2026 Scheme and what it means for subscribers
While subscribers get greater flexibility in making partial withdrawals, they should exercise this freedom judiciously so that they don't deplete their retirement corpus drastically
 "What is new about the EPF 2026 Scheme and what it means for subscribers")
Avoid a costly early exit: Steps before surrendering an insurance policy
Assess the policy's returns, risks and liquidity restrictions, and ensure that you can sustain the premiums throughout its term
 "Avoid a costly early exit: Steps before surrendering an insurance policy")
Verify hospital's cashless status before admission to avoid claim hassles
If reimbursement becomes unavoidable, submit a complete file at the earliest
 "Verify hospital's cashless status before admission to avoid claim hassles")
Verify hospital's cashless status before admission to avoid claim delays
If reimbursement becomes unavoidable, submit a complete file at the earliest
Outlook for debt funds improves, but avoid chasing long-duration gains
Keep the core allocation in short- to medium-duration funds; match fund maturity with financial goals
 "Outlook for debt funds improves, but avoid chasing long-duration gains")