Page 29 - Personal Finance

NRI dollar deposits now offer up to 7.1% after RBI's special window

Higher FCNR rates are now live, with some banks paying more than US Treasuries

Start early, be disciplined: How to build a retirement starter portfolio

Build a corpus that reflects your needs and review your investments regularly

Buying a flat? UP RERA warns against relying on super built-up area

Regulator says carpet area, not super built-up area, is a true measure of the actual usable space in a flat

'Basic', cost to company, take-home: Your salary structure explained

How new labour rules will shape your basic salary and gratuity income

All about filing income tax: From selecting form to claiming return

Even if tax has already been deducted from your salary, you still need to file an income tax return

Indian tax residency: Key rules and how they impact your global income

A taxpayer's residential status depends on the number of days they spend in India in a financial year

Harvesting: When investors use gains and losses to reduce tax outgo

Know how can sell your investments to either reduce your taxable gains or use available tax-free limits better

Late to retirement planning? How to catch up, build corpus, avoid mistakes

You may need to save a higher portion of your income to build a retirement portfolio

How to build an investment portfolio without overcomplicating matters

Define your goal, set a time horizon and avoid adding too many investments to your portfolio

Managing money while caring for ageing parents: A practical guide

Reorder priorities-protection, liquidity, debt, then investing-without derailing goals

Retirement planning for young professionals: When to start

In your early years, focus more on growth. As you get closer to your retirement, gradually shift towards more stable investments to reduce risk.

Lump sum, SIP, redemption: How mutual fund money flows actually work

Also know about SWP, STP and what happens if you miss an installment

Indispensable checks you must run before using Form 16 to file ITR

Before filing ITRs, salaried taxpayers should reconcile Form 16 and Form 16A with AIS, Form 26AS and personal records to avoid errors and notices

Changed jobs? Transferring PF could help keep future withdrawals tax-free

Explained: How to transfer your PF balance and preserve key tax and withdrawal benefits.

EPFO's overlooked insurance benefit can provide up to Rs 7 lakh cover

EDLI scheme explained: Eligibility, claim process and payout rules decoded

RBI opens special window: NRI dollar deposits could earn higher interest

Banks can mobilise fresh FCNR deposits till September 30 under RBI's new swap facility

Job loss to sudden hospitalisation: Emergency preparedness for households

One tip: Put your emergency funds in separate accounts so that you don't spend it inadvertently or are left scrambling if there is a technical glitch at the bank

Savings to SIP: What beginners should know about investment planning

Choose an investment product after deciding the purpose it will serve and how long it will take

Claims to deductibles: How to read a health insurance policy document

Checking the document helps you avoid unpleasant surprises during a medical emergency

Term insurance vs endowment plans: Which one fits your financial goals?

While term insurance focuses on providing a safety net for your family, endowment plans function as a hybrid tool that balances life cover with a savings component