 "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
Personalised investment advisory ensures accountability: Harsh Roongta
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
 "Personalised investment advisory ensures accountability: Harsh Roongta")
Don't let erroneous hospital records hold up your claim: Know your rights
A Delhi consumer court ruling highlights why insurers cannot reject claims over unreasonable document demands and why policyholders must ensure their medical records are accurate.
 "Don't let erroneous hospital records hold up your claim: Know your rights")
How should spouse secure family's finances after husband's demise
Prioritise money for immediate expenses, trace assets, check nomination and inheritance rights
 "How should spouse secure family's finances after husband's demise")
Home purchase: How to assess the real value of festive offers and discounts
Homebuyers should assess the actual savings from festive real estate offers, negotiate for useful benefits and verify project approvals, costs and delivery timelines before committing.
 "Home purchase: How to assess the real value of festive offers and discounts")
Unlimited health insurance: Check claim limits before buying a policy
Check policy conditions for co-payments, exclusions, waiting periods and claim restrictions before opting for unlimited health cover; compare premiums and super top-up alternatives
 "Unlimited health insurance: Check claim limits before buying a policy")
Look beyond credit riskometer: Check ratings, yields and bond maturities
Read the rating rationale, compare yields and match maturities to when you need the money
 "Look beyond credit riskometer: Check ratings, yields and bond maturities")
Co-payments and deductibles in health insurance: Are they right for you?
Both options can lower premiums, but they increase out-of-pocket expenses during claims. Understand how they work before choosing a health insurance policy
 "Co-payments and deductibles in health insurance: Are they right for you?")
Repo rate hike: How to manage home loans, FDs and debt investments
Higher rates could lift deposit returns while raising borrowing costs and affecting debt fund returns
 "Repo rate hike: How to manage home loans, FDs and debt investments")
NPS Swasthya: Should retirement savings be bundled with health cover?
Investors should compare the premiums under NPS Swasthya with those of the standalone super top-ups offered by insurance companies
 "NPS Swasthya: Should retirement savings be bundled with health cover?")
Switch NPS fund manager only if underperformance persists across mkt cycles
Check whether weak returns reflect the market cycle before changing your pension fund manager
 "Switch NPS fund manager only if underperformance persists across mkt cycles")
Avoid paying a steep premium for foreign ETFs; explore other options
Consider investing through platforms with access to foreign markets or via MFs in GIFT City
 "Avoid paying a steep premium for foreign ETFs; explore other options")
What borrowers can do if a lender forcibly repossesses a financed vehicle
Check the notices and possession records; report a secret or forcible seizure promptly; and seek urgent relief before an auction
 "What borrowers can do if a lender forcibly repossesses a financed vehicle")
Consumer durable loans: Avoid hidden costs and risk of overleveraging
Compare the annual percentage rates across players, and also compare the total cost of cash and EMI options to understand the actual cost
 "Consumer durable loans: Avoid hidden costs and risk of overleveraging")
How senior citizens should protect themselves from insurance misselling
The regulator's action against Canara HSBC Life highlights how elderly buyers can be mis-sold unsuitable insurance products and what safeguards they should follow
 "How senior citizens should protect themselves from insurance misselling")
Check returns and exit costs before buying non-par insurance plans
Calculate the internal rate of return, assess surrender costs and make sure the long-term premium commitment fits your goal before opting for guaranteed-benefit insurance products
 "Check returns and exit costs before buying non-par insurance plans")
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")