Personal Finance

Protect your portfolio, household budget from rising inflation and rates

Review spending, reduce costly debt, favour quality equities and avoid longer-duration funds unless you have a matching horizon

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

Luxury housing's new premium: Fewer homes, more space and privacy

Luxury housing has spent years adding more, bigger clubhouses, longer amenity lists, grander lobbies. Now, in increasingly crowded cities, buyers may be willing to pay premium for more room to breathe

Senior citizen FD rates in mid-September up to 8.5%: Top rates compared

Small finance banks offer the highest rates, while select lenders provide extra interest for super senior citizens aged 80 or more

Fund Review: Kotak Bond Short Term Fund

Fund Review: Kotak Bond Short Term Fund

Make sure you know what the rates are before taking a personal loan

A personal loan can come in handy when you need quick liquidity, but tends to carry higher interest rates

₹50 lakh-1.5 cr is sweet spot, 50% of home buyers plan to buy within 2 yrs

2 or 3 BHK? Ready home or under construction? What buyers prefer in 2026

Fixed deposit rates in mid-Sep up to 8.25%: Top picks across banks

The highest rate may come with a longer lock-in, making tenure and liquidity important before you invest

6.76% vs 11.59%: What adding equity and gold did to portfolio returns

WhiteOak Capital Mutual Fund's "Chemistry of Investing" study examines how combinations of debt, equity and gold have historically influenced portfolio risk and return outcomes.

EPFO wage ceiling rises to Rs 25,000: Will your take-home salary decrease?

The change will extend EPF, pension and insurance benefits to more than 5 million workers, with contribution rules yet to be detailed.

Beyond Traditional Equity: Where REITs, InvITs and International Funds Fit

REITs, InvITs and international funds can diversify a portfolio, but their tax treatment, liquidity constraints and specialised risks require careful evaluation.

The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio

Investment choices should be based on financial goals, risk and liquidity, with tax efficiency considered only after the portfolio's core structure is determined.

₹1 crore retirement benchmark loses ground as Indians reassess needs

Only 51 per cent of households earning more than Rs 15 lakh consider Rs 1 crore sufficient, as Indians report accumulating just 28 per cent of their target corpus

Don't let fake discounts and paid rankings distort online shopping deals

Track price history, compare the final payable amount and keep screenshots

The Myth of Corporate Safety: Why Employer Health Insurance is Not Enough

Corporate health cover may offer convenience, but low limits, co-payments and employment-linked protection can leave families financially exposed during a medical crisis.

How to Think about Retirement If You Are in Your 20s and Hate the Word

Starting early can turn modest investments into long-term financial autonomy, providing the freedom to change jobs, take a sabbatical or pursue a different career.

How to Rebalance Your Portfolio Once a Year

Annual rebalancing helps investors correct asset-allocation drift, manage risk and restore their target portfolio mix without reacting to market noise.

How to Match Investment Products with Your Time Horizon

Aligning investments with goal deadlines can balance liquidity, market risk and inflation while preventing costly timeline mismatches.

Term insurance purchases rise 1.5X post-GST break, more buy riders: Report

Lower premiums are prompting buyers to reassess their protection needs and opt for higher cover and riders.

UPI MDR from Oct 15: Will your SIP, automated insurance payments cost more?

The payment method matters: One-time UPI transactions and automated mandates will be treated differently under the new framework