Page 544 - Personal Finance

Contract prevails over circular

An insurer cannot change the contract by issuing circular and depriving the customer of stated benefits

Here's how to recover your lost and forgotten investments even after 10 yrs

If you are recovering money from deceased parent's account, succession certificate, NoC from other heirs, and KYC documents come in handy

Those with a family history of cancer should buy a standalone cover

These disease-specific covers offer higher sum assured, and also make stage-based payouts, which comes in handy

Lock into rising bond yields with fixed maturity plans; here's why

Do not compromise on credit quality in pursuit of high returns, and make sure that the fund's tenure matches your investment horizon

Auto sector could be lead indicator

Due to the long value chain, it influences other industries too

Avoid over-leveraging with loan against property: All you need to know

While interest rates are more attractive than in a personal loan, don't overlook the risk of losing your property if you default on your EMIs

Invest in international funds to minimise impact of rupee's depreciation

Savvy investors can also put in limited amounts in funds of export-oriented sectors like pharma and information technology that benefit from a weaker rupee

Financial planning: Freelancers need a more flexible investment strategy

They should be able to stop investing and also withdraw money from their investments whenever their cash flows decline

If you can loosen your purse strings, emigrating can be easy

Many developed countries nowadays welcome immigrants who can invest, set up a business, and create jobs

IT funds flavour of the season, but investors need to time entry, exit well

Only savvy investors who are well informed about the sector's prospects should invest in technology funds

Fund analysis: Kotak Credit Risk

Business Standard takes a look at the fund and its features

A snapshot of charges associated with loan against property

Here's how the charges and features of loan against property by different banks and institutes stack up

Everything you must know about tax benefits of medical and life insurance

The income tax laws provide a tax deduction under Section 80D of the premium paid towards a medical cover taken for oneself or family (spouse and children) upto Rs 25,000 from the individual's income

Here are the financial issues that NRIs might face on their return to India

If they withdraw money prematurely from their retirement account in the US, there will be a tax as well as a penalty

A snapshot of properties offered in price range of Rs 20 mn-25 mn

Business Standard brings you a snapshot of average current rates and unit sizes in localities that offer property in the price range of Rs 20 million-25 million. If you are looking at buying real esta

Readers' Corner: Life Insurance

If a borrower gets a life-threatening disease, the payout from the add-ons helps in the treatment

Tipping point: What is electronic PAN and how to apply for it

To apply for e-PAN, one needs to have an Aadhaar with an updated mobile number

Don't sell cryptocurrencies in panic even as banking services are stopped

Even though exchanges may not be able to do banking transactions, there are alternative ways to buy and sell

EMI, not tenure, should be reduced in PMAY

Adjusting the credit-linked subsidy by reducing the loan tenure effectively negates any benefit from it

Interest rates unchanged for small savings schemes, including NSC, PPF

The move is expected to see banks lowering their deposit rates in line with the small savings rate offered by the government