Page 563 - Personal Finance

GST: What happens if person files return but doesn't make payment of taxes?

Under the GST law, the filing of return without payment of taxes shall not be considered as a valid return

Ricoh India saga: Avoid direct investments if you aren't doing own research

Ricoh India's impending troubles could only have been spotted by investors willing to dig deep into the financial statements of the company

CIL has to shape up: Privatising coal mining to create window for investors

CCEA took a brave decision last week when it cleared private participation in coal mining via an auction methodology. This is a big step forward

How to minimise your tax liability on the sale of your bonus shares

Investors can use the grandfathering clause and set-off provisions to reduce the tax payable on sale of bonus shares

Want to lend some stability to your portfolio? Go for gold as a hedge

With both equity and bond markets likely to be disturbed this year, investors should allocate about 10 per cent to gold as a hedge against volatility

With March-end approaching, here are last minute tax tips for the laggards

Evaluate recurring investment products and do the numbers before making any investments

Realty check: Current rates and unit sizes in Rs 5 mn-10 mn price range

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

Reader's Corner: General Insurance

What is the maximum tenure that can be chosen for a home insurance policy for a housing loan?

Tipping Point: What does a rating watch review mean?

Rating agencies like Moody's, Fitch, CRISIL and India Ratings have placed the scam-hit Punjab National Bank (PNB) under rating watch

EMI change can be the default option when rates rise or fall

Now with the scams tumbling out, the pressure on banks' balance sheets will only increase

Even after 10 bps cut, EPF is still the best small savings option

At 8.55 per cent interest rate, the EPFO will retain a surplus of Rs 8.5 billion

How a pin code can nix your loan even if you have a great CIBIL score

If you live in a locality prone to defaults, your potential lender may not approve you loan despite the fact that you have a good financial record

Raise equity allocation if you have the risk appetite

PFRDA's proposal to raise equity exposure in the active-choice option of NPS will benefit young investors, provided they can stomach higher volatility

GST: Is there any mechanism for amending the registration certificate?

A person is required to file an amendment application online on the GST portal within 15 days

PNB Rs 114-bn fraud: Is it a threat or opportunity for investors?

But it may go into a long downward spiral before things turn around

Fixed deposits aren't enough, senior citizens must invest in other avenues

The elderly could use the extra Rs 50,000 deduction on interest income, but must also explore instruments like SCSS, PMVVY and equity mutual funds

Insurers offering cashless benefits for OPD, diagnostics at lower premiums

Before you buy a plan, check if you can make full use of it. Most don't even exhaust the entire benefit, says expert

Beat debt market volatility with tax-efficient, steady fixed maturity plans

The ability to lock in returns and offer indexation benefit makes FMPs attractive in the current scenario of hardening yields

EPFO data shoddily maintained; 30-40% is unclean: What researchers told PMO

The EPFO data analysed by the researchers also showed that in some cases, members have received contribution even before their joining date

Steer clear of expensive IPOs

Public issues of well-known companies too have disappointed investors due to rich valuations