Page 681 - Personal Finance

How much education loan can you get

For loans above Rs 4.5 lakh, tangible collateral security is a must

How to get an education loan

Apart from properly affiliated Indian institutes, the loans will also be available for courses conducted by overseas professional bodies

EPFO to invest around Rs 410 crore in ETFs every month

The body has planned to invest 5% of its incremental deposits in equity markets every month

Case study

Realty check

New-age apps on the way

Within the next 3 months, most brokers will enable you to intelligently invest via mobiles in MFs, FDs, and IPOs

Sliding down the credit curve can be risky

However, those with a high risk appetite and 3-year horizon can invest about 30% in funds taking a credit call

All that glitters is not gold

Don't rush to buy. Ensure the yellow metal is not more than 5% of your portfolio

Banking: Rakesh Jain

First, check what a policy covers

Gold: Still a downside

The consensus on gold right now appears to be 'sell' or 'strong sell'

Entrepreneurs need a term plan to cover existing loans

Go for angel or VC funding if cashflows are likely to be uncertain. Else, borrow from family and friends

Ailments that your health insurance does not cover

Before taking out a health insurance policy, make sure you are aware of these ailments that are not covered

E-filing preferable to physical route while declaring illegal foreign assets

For compliance to be valid, pay the entire penalty plus tax within the allowed deadline

Zone based pricing can help reduce health insurance premium

But if you get treated in a bigger city, you will have to pay the difference in premium

Avoid residential properties in Noida Ext, Greater Faridabad: JLL

Declares them high caution areas due to delays in projects delivery, oversupply, speculation and lack of infrastructure

Avoid NFOs unless the idea is unique

Once invested, give the fund at least three quarters to perform

Taxpayers can revise I-T returns unlimited times...

...but, the original return has to be filed in the stipulated period

Stock options, bonus and allowances also covered under black money Act

Non-reporting of overseas income by employers may be categorised as 'abetment' under the Act

Want to sell online?

Sellers get logistical, financial and other support but customer feedback is critical and poor ratings can get sellers suspended