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.
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Smallcap fund correction: Trim exposure if it exceeds 20%, avoid full exit
Earnings-related uncertainty continues to weigh on small caps
 "Smallcap fund correction: Trim exposure if it exceeds 20%, avoid full exit")
Under-construction property: Check developer credibility before investing
Construction delays forced homebuyers to pay equated monthly instalments and rent simultaneously
 "Under-construction property: Check developer credibility before investing")
Health insurance: Choose policy with guaranteed bonus, unaffected by claims
While premiums may rise over time, a good bonus-linked policy lowers the per lakh cost of sum insured
 "Health insurance: Choose policy with guaranteed bonus, unaffected by claims")
Defensive funds: Focus on consistency across cycles, not just performance
Funds that curbed their losses may not necessarily lead the rebound
 "Defensive funds: Focus on consistency across cycles, not just performance")
US's crypto reserve plan a booster, but Indian investors must be cautious
Lack of regularity clarity in India and high volatility mean investors should take only limited exposure
 "US's crypto reserve plan a booster, but Indian investors must be cautious")
Home insurance: Cover should suffice to rebuild structure, replace contents
A home insurance policy covers damage from earthquakes, fires, explosions, floods, landslides, cyclones, storms, aircraft damage, and acts of terrorism
 "Home insurance: Cover should suffice to rebuild structure, replace contents")
Income-Tax Bill 2025: File tax return by due date to be eligible for refund
Deductions related to salary, including standard deduction and leave encashment, are now grouped under a single clause
 "Income-Tax Bill 2025: File tax return by due date to be eligible for refund")
New India Co-op Bank crisis: Higher returns come with greater risk
Many cooperative banks fall prey to political interference, unreliable accounting practices, loan evergreening, and frauds
 "New India Co-op Bank crisis: Higher returns come with greater risk")
Devina Mehra challenges investment myths with data-driven insights
In this book, Ms Mehra strongly advocates global diversification to counter single-market, single-currency risk
 "Devina Mehra challenges investment myths with data-driven insights")
Builder-buyer agreement: Better after Rera, but buyers must remain vigilant
Builder-buyer agreements tended to be one-sided. "Delivery schedules frequently stated 36-42 months but were vague about when this period began
 "Builder-buyer agreement: Better after Rera, but buyers must remain vigilant")
Should you continue holding SIPs in mid, smallcap funds or stop them?
Those significantly overweight on these categories must book profits to rein in exposure. A lot depends on your horizon and risk appetite
 "Should you continue holding SIPs in mid, smallcap funds or stop them?")
Debt MF outlook: Divide portfolio between long- and low-duration funds
The Indian economy requires rate cuts and a supportive monetary policy to sustain growth, which is slowing
 "Debt MF outlook: Divide portfolio between long- and low-duration funds")
After RBI rate cut, should you reduce EMIs or shorten loan tenure?
The exact gain for each home loan borrower will depend on their current principal outstanding and interest rate
 "After RBI rate cut, should you reduce EMIs or shorten loan tenure?")
Health insurance for senior citizens is expensive: Here's what they must do
Those who find premiums unaffordable should go for a plan with deductibles
 "Health insurance for senior citizens is expensive: Here's what they must do")
Updated income-tax return: Ensure accuracy as revisions are not permitted
Only those with additional tax to pay can file an updated return
 "Updated income-tax return: Ensure accuracy as revisions are not permitted")
Budget 2025: Relief on 2 self-occupied properties, without riders
Annual limit of Rs 2.4 lakh for TDS on rent increased to Rs 6 lakh
 "Budget 2025: Relief on 2 self-occupied properties, without riders")
Banking sector funds: Invest now to capitalise on credit growth pickup
The ideal time to invest in sector funds is during a downturn so that investors can capitalise on a turnaround in 1.5-2 years
 "Banking sector funds: Invest now to capitalise on credit growth pickup")
Assessing fund performance: Run the numbers, then do qualitative checks
Rely on multiple metrics to derive a holistic picture of performance. Also, compare a fund's performance with its category peers or the appropriate benchmark
 "Assessing fund performance: Run the numbers, then do qualitative checks")
Tackling rising home prices: Research pricing, demand-supply for best deals
Buyers with a limited budget should explore upcoming locations
 "Tackling rising home prices: Research pricing, demand-supply for best deals")
Wrongful tax claims: File revised, updated ITR before I-T dept's scrutiny
Once a wrongful claim is detected, penalties follow
 "Wrongful tax claims: File revised, updated ITR before I-T dept's scrutiny")