Page 62 - Personal Finance

A year of SIPs but no returns? Value Research explains what's going wrong

Give your funds at least three years before evaluating

From Bangkok to Mumbai: Where paying rent means losing two-thirds of pay

Residents in Bangkok spend 79 per cent of their income on rent, followed by Mumbai at 66 per cent and Mexico City where renters use over two-thirds of their earnings to pay for housing

Multiple nominations, smoother claims: Nov 1 banking changes explained

From November 1, depositors can nominate up to four people for accounts and lockers, making claims easier and succession of assets smoother

Best senior citizen FDs in October: 12 banks offer up to 8.15% interest

Senior citizens earn the highest FD returns from small finance banks, with rates up to 8.15%, while new TDS limits apply from Budget 2025

Tackling festive debt hangover: Repay high-rate loans on priority

Curtail new discretionary spending until existing EMIs are cleared; use secured loans to clear high-cost debts

325% returns on SGB 2017-18 Series-IV as RBI announces redemption date

The RBI has set the final redemption price for SGB 2017-18 Series-IV, offering investors an absolute return of 325% on their gold-linked bonds

Home loans in October: top banks offer rates between 7.35% and 10.25%

Check the latest home loan rates for October: banks and HFCs offer interest from 7.35% to 10.75%, with extra concessions for select borrowers.

Latest car loan rates in October: 7.6%-14.25% interest and EMIs from ₹10k+

Check latest car loan rates here across the sector. EMIs starting around Rs 10,000 for a Rs 5 lakh, 5-year loan.

304% returns on 2018 gold bonds as RBI clears early exit: Details here

Investors holding 2018-19 Series-II sovereign gold bonds can redeem early in October, as the RBI has fixed the price at ₹12,704 per gram

No need to fly home for KYC: Sebi proposes easing geo-tag rules for NRIs

The regulator's draft circular suggests removing the requirement for non-resident investors to be physically present in India during KYC verification, seeking public feedback by November 13.

IKEA leases 37,000 sq ft at Phoenix Marketcity Pune for Rs 38 lakh/month

India's retail leasing boom continues as IKEA India inks a major deal at Phoenix Marketcity Pune, taking 37,000+ sq. ft. of space for a monthly rent of ₹38 lakh.

Where Office rents are rising fastest: Delhi sees 16% jump, Mumbai tops

Data from IIM Bangalore-CRE Matrix shows India's office rentals rising 3.8% year-on-year, with demand from financial and tech hubs fueling steady growth across top cities.

Rs 1 cr SIP secret: Midcap funds beat the rest with 17% returns for 10 yrs

WhiteOak Capital's data shows midcap SIPs delivered 17.4% average 10-year returns - higher than large and small caps.

MAAFs: Rebalance if allocation in portfolio has drifted significantly

Continue SIP if the fund has maintained its strategy and performance consistency, and continues to suit your goals

BNPL: Limit instalments to 10-15% of income and restrict usage to two plans

Those with multiple loans, irregular earnings, or poor repayment habits should avoid this form of quick credit

GST 2.0: Affordable stays priced Rs 2,000-6,000 up 22% this festive season

Affordable travel has taken the spotlight this festive season, with mid-range stays priced between ₹2,000 and ₹6,000 per night rising 22% year-on-year, according to Thrillophilia

When your phone falls off a moving train, here's how to respond

Follow these steps to report it and increase your chances of recovery safely and quickly

A good health insurance plan can be a life-saver in more than one way

Here are some of the best health insurance plans for young women living in metro cities

Fund review: DSP Large & Mid Cap Fund

Fund review: DSP Large & Mid Cap Fund

Reimagining the trousseau: Tradition makes way for practicality, identity

From metallic pastels to heirloom Banarasis, India's 2025 bridal couture blends legacy with lightness as brides look to stamp their own identity on their wedding outfits