Page 483 - Personal Finance

Insurer has to prove pre-existing disease

A mere allegation by the insurer would not suffice to oust the claim, and the allegation would have to be substantiated by furnishing evidence

Home projects hit after NHB asks HFCs to stop financing subvention schemes

Industry sources say there will be an immediate and long-term impact

Wait for valuations to correct further before you buy market favourites

Value is emerging beyond frontline indices

New deduction on affordable homes benefits loans with longer tenures

Joint owners would not be able to get the additional tax deduction due to caveats

Need money urgently? Top-up home loan is cheaper than other products

A borrower can also get a tax deduction if the funds are used for home renovation, purchase or construction

Bet on well-managed NBFCs

They are poised to benefit from lower interest rates and can grab market share

Irdai's regulatory changes likely to make insurance products more appealing

Now policies will acquire a surrender value after two premiums have been paid

Select right ITR form, use checklist to avoid mistakes in filing returns

There is likely to be a rush to file returns at the last moment this year as most organisations had delayed issuing Form 16

Tips to choosing health-boosting dry fruits and nuts for your daily diet

Dry fruits are gaining traction in Indian homes as a daily health staple and are no longer the preserve of a select few or bought only during festivals

Add fixed deposits to your portfolio as rates on offer are quite reasonable

Many financial planners advise using this instrument for investment as well as meeting short-term goals

Realty check: Current rates, unit sizes in Rs 1-1.5 crore price range

If you are looking at buying real estate, an idea about current rates would come in handy

Reader's corner: Will divorce affect health cover bought in spouse's name?

The insurance company can be requested to endorse the policy for change in 'proposer or payer' name by writing an email or letter

Co-branded cards useful, but get one only if you use e-commerce sites a lot

An individual needs to segregate his monthly spending and check the categories and brands where he spends the most

RBI as housing finance regulator

In the long run, the integration of regulations between banks and HFCs will prove beneficial for the industry and borrowers

Pharma funds a good contra bet only if investor holds them for 3-5 years

They have yielded meagre returns of only 4.90 per cent compounded annually over the past five years

Calculating long-term capital gains tricky, service providers can help

The government started imposing a 10 per cent long-term capital gains tax (LTCG) on sale of listed stocks and equity mutual funds after one year from FY19

FAQs: 10 key things you must know about income-tax return (ITR) filing

What are income-tax returns? Must you file them? What if you did not? What are the benefits of filing an ITR? How do you get a refund for any excess tax deducted? Find answers to all your questions

Give priority to safety, do not chase high returns in company FDs

In the current stressed credit environment, give higher priority to safety of capital by sticking to the highest-rated instruments

How to pick up the most suitable gear for your daily fitness regime

Products in this segment are designed to cater to specific activities. Marathon shoes, for instance, are very different from the kind you'd use for zumba

Need emergency money now? Gold loans are quick, easy and low-cost

Borrowers can also choose from different repayment options depending on cash flows