Page 460 - Personal Finance

New loans may become harder to get as lenders turn cautious in lockdown

Be prepared for lower loan eligibility and risk-based pricing

Insurance business insecure and uncertain as Covid-19 damage claims mount

Insurance companies around the world were sailing smoothly until late February, when markets realised Covid-19's impact. Now, is insurance secured to survive? Joydeep Ghosh explains

With attractive deals, real estate becomes buyers' market amid Covid-19

Potential buyers face risks on two counts. The first is a possible salary cut or even job loss

Irdai allows PNB to hold more than 10% promoter stake in 2 insurance firms

The insurance regulator has allowed PNB to keep its shareholding in both the insurance companies intact for now

Moratorium may make your loan expensive but will protect your credit score

Reserve Bank of India has extended the moratorium on equated monthly instalments (EMIs) by another three months - till August 31, 2020

Diversify your investments beyond bank FDs to counter declining rates

Invest in a mix of small savings products, debt funds with quality portfolios to counter declining rates

Covid-19 crisis: Here's how you can manage your finances after job loss

Those who have been handed the pink slip shouldn't make too many loan queries

Re-evaluate the tax regime you've chosen if your salary has changed

For different income levels, there are different break-even deduction points. If you can avail of higher deductions than that, stick to the old regime

Invest in your health by setting up your very own organic kitchen garden

Growing fruits and veggies on your terrace or other available space is neither expensive nor difficult. And since the produce is chemical-free, there are huge health benefits

Inflation should be managed carefully

It's one of those rare periods where deflation is also possible. The RBI may have to adjust money supply in either direction

Planning to take a gold loan? Here're rates, charges offered by banks

The disbursal is quick and interest rate is reasonable

New borrowers set to get maximum benefit as RBI delivers another rate cut

Since the repo rate has been revised by 115 bps in the last two months, EMIs would fall when banks reset loan rates

Gloom for savers: How RBI repo rate cut will impact FD investments, savings

The recent spate of rate cuts by the Reserve Bank of India could be bad news for savers

RBI rate cut a boon for borrowers? Know how your EMIs will be impacted

Here's how borrowers are likely to gain from RBI's rate cut, subject to banks, non-banking financial companies passing on the benefits to customers

Fund pick: ICICI Pru Large & Mid Cap Fund

Fund pick: ICICI Pru Large & Mid Cap Fund

A snapshot of gold loans offered by various banks and other details

Here is how the gold loan rates offered by various banks stack up

Sudden spike in bond yield amid coronavirus outbreak signals trouble

Also, watch out for a company raising money at a very high rate of interest

Year of survival for insurance industry; don't expect growth: Bajaj Allianz

Recognising that customers have their own concerns, he said the company is equally taking care of its own employees during this lockdown

Relief for home buyers as subsidy for middle-income group gets extension

The Credit Linked Subsidy Scheme will reduce your outstanding loan amount, and hence EMIs, right from the start of the loan tenure

Compensate for loss of life on duty

A Home Guard would be considered on duty from the time he set out from his home and until he returned