Page 11 - Personal Finance

Save first, spend later: Steps to meet your long-term financial goals

Check your progress every three to six months to ensure your savings and spending are on track

How to choose between guaranteed returns and growth-focused investments

Using a growth asset for a short-term need risks a forced sale at a loss and investing in a guaranteed asset for a 20-year goal risks loss of purchasing power

Form 16, PAN, rent agreement: Documents you need for filing tax return

Form 16 captures your salaried income but you must also cite bank interest, capital gains or freelance earnings

How to correct mistakes in your tax return after submission, refund even

No penalty is levied for revising a return, provided the original return was filed on time

Talking finances: An important conversation Indian couples fail to have

More than ₹80,000 crore lies unclaimed across banks, insurers, mutual funds and provident fund accounts, exposing a critical gap in household financial disclosure

Home loan protection plan or term cover: How borrowers should choose

If you give greater priority to flexibility, then opt for a term insurance plan

Restaurant bill dispute: Lawyer gets Rs 15,000 over Rs 151 service charge

Consumer court in Jalandhar says restaurants cannot add service charges without consent, highlighting what diners should know about their rights

NPS rule change explained: What new PFRDA audit rules mean for your savings

PFRDA has revised audit norms for NPS Points of Presence, bringing stricter checks on subscriber handling, fund processing, KYC and compliance.

EPF interest rate stays at 8.25% for FY26: What it means for your savings

EPFO will credit 8.25% interest on FY26 deposits in June, holding rates for the third straight year

DMart owner Avenue Supermarts buys Bengaluru commercial asset for Rs 106 cr

The acquisition gives Avenue Supermarts ownership of a fully developed commercial block spread across 1.7 lakh sq ft in one of Bengaluru's fastest-growing office corridors.

Can a ₹2-crore FD cost you ₹30 lakh? The Tax math investors often ignore

A ₹2-crore fixed deposit earning 8% may generate ₹16 lakh in annual interest, but investors in the highest tax bracket could lose nearly ₹4.8 lakh every year to taxes.

Don't let dark patterns quietly inflate your online shopping bills

Check the final payable amount, remove pre-ticked add-ons, and preserve screenshots if you need to complain

Custom bedrooms to retreats, Indians spend big for a good night's sleep

From premium mattresses and sleep trackers to circadian lighting and wellness retreats, affluent Indians are investing heavily in better sleep as rest becomes a key wellness priority

What are the best term insurance premium rates for young professionals?

Here are some of the best term insurance rates from various insurers for young male professionals living in a large city

Fund review: HDFC Short Term Debt Fund

Fund review: HDFC Short Term Debt Fund

EPFO members likely to get 8.25% interest credit for FY26 this month

After ratification by the government, interest likely to be credited to more than 70 million contributing members

Govt ratifies 8.25% EPF interest rate for FY26, to be credited this month

EPFO provides the rate of interest on EPF after it gets ratified by the government through the finance ministry

Preity Zinta leases Pali Hill apartment for nearly ₹1.5 cr over two years

From Owner to Tenant: Preity Zinta Leases Pali Hill Home Months After ₹18.5-Crore Sale

PPF, NPS, ELSS: Long-term investment tools to save taxes explained

Do not use one product for everything and instead assign each one a clear role: Stability, growth, or income

Debt products in a young investor's portfolio? Yes, here are reasons

While equities may fall sharply, debt investments tend to remain stable and reduce overall portfolio losses