 "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
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")
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?")
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")
Multi-year health insurance: Lock in premiums, but check exit rules first
Multi-year health insurance plans offer premium stability and upfront discounts, but buyers should weigh flexibility, portability and future healthcare needs
 "Multi-year health insurance: Lock in premiums, but check exit rules first")
Life cycle funds: A new category, but do they fit your portfolio needs?
Check the maturity date, glide path, costs, tax treatment and exit load before investing
How NRIs should navigate changes in tax status when returning to India
As their status changes from NRI to RNOR and then to ROR, both their tax and disclosure obligations change
 "How NRIs should navigate changes in tax status when returning to India")
Planning to use algo trading? Key checks retail investors must make
Check back-test and live-trading data, drawdowns, and net-of-cost returns before you adopt an algo
 "Planning to use algo trading? Key checks retail investors must make")
Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access
While selecting one, check the safeguards and the tax-reporting support offered by it
 "Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access")
Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access
While selecting one, check the safeguards and the tax-reporting support offered by it
 "Eyeing SpaceX, OpenAI stocks? Global investment platforms offer access")
BaaS lowers entry cost of EV ownership, but may not always be cheaper
Battery as a Service reduces the upfront cost of buying an electric vehicle, but recurring payments, contract terms and resale concerns mean it works best for users with moderate distance driving
 "BaaS lowers entry cost of EV ownership, but may not always be cheaper")
Started retirement planning at 40? Here's how to catch up in time
Step up savings rate, build equity-heavy portfolio, and automate investments
 "Started retirement planning at 40? Here's how to catch up in time")
Forty and behind on retirement savings? Here's a catch-up plan
Step up savings rate, build equity-heavy portfolio, and automate investments
 "Forty and behind on retirement savings? Here's a catch-up plan")