Page 70 - Personal Finance
Heart problems hit India's 30s and 40s, 60% can't afford treatment: Survey
India's Heart Crisis Turns Younger: Majority of Patients Below 50, Say Cardiologists
 "Heart problems hit India's 30s and 40s, 60% can't afford treatment: Survey")
India's homebuyers go small as prices soar - compact homes hit 54% demand
Demand for 1-2 BHKs rises to 54% as affordability pressures mount; Residential prices surge across major markets with Pune (+41.4% YoY) and Mumbai (+29.6% YoY) leading growth
 "India's homebuyers go small as prices soar - compact homes hit 54% demand")
NCR leads India's realty boom with 24% price surge; National average up 9%
Average property prices in NCR jumped to ₹8,900 per sq. ft. in Q3 2025, compared to ₹7,200 in Q3 2024
 "NCR leads India's realty boom with 24% price surge; National average up 9%")
Pay safe, invest smart: Sebi's new @Valid UPI handles protect your money
The new facility will allow UPI IDs of Sebi-registered investor-facing intermediaries to carry the exclusive "@valid" handle with category-specific suffixes
 "Pay safe, invest smart: Sebi's new @Valid UPI handles protect your money")
Got higher PF deductions? You may now claim a bigger pension: HC ruling
Kerala HC delivers relief to retirees: "Once EPFO takes your money, it must pay higher pension"
 "Got higher PF deductions? You may now claim a bigger pension: HC ruling")
Loan rates should mirror unfinished homes' higher risk, highlight gap
Requiring banks to hold more capital for under-construction loans and less after completion would make their higher risk evident through the resulting interest-rate differential
 "Loan rates should mirror unfinished homes' higher risk, highlight gap")
NPS: You can choose 100% equity exposure based on risk appetite, timeline
Investors must educate themselves and become more financially savvy to optimise the benefits of greater choice
 "NPS: You can choose 100% equity exposure based on risk appetite, timeline")
Rajasthan govt hikes DA by 3% to 58% for employees and pensioners
The move, announced ahead of Diwali, will benefit nearly 12.40 lakh beneficiaries, including 8 lakh employees and 4.40 lakh pensioners, an official release said
 "Rajasthan govt hikes DA by 3% to 58% for employees and pensioners")
Aggressive hybrid funds suit moderate-risk investors with long-term goals
Such funds are not entirely immune to volatility due to their considerable equity allocation
 "Aggressive hybrid funds suit moderate-risk investors with long-term goals")
Best fixed deposit rates in October 2025: 15 banks offering top returns
FD Rates in October 2025: Fixed deposits remain a safe bet, but the right mix of laddering, diversification and payout choice can boost returns. Here's how October 2025 FD rates stack up across banks
 "Best fixed deposit rates in October 2025: 15 banks offering top returns")
Silver up 61% in 9 months: The metal is quietly outpacing gold in 2025
Tata Mutual Fund's outlook suggests silver may outperform gold over the medium term (3-5 years).
 "Silver up 61% in 9 months: The metal is quietly outpacing gold in 2025")
Gold is glittering again, but experts warn it's a hedge, not a jackpot
As markets swing between optimism and fear, one asset is quietly outshining the rest - gold. In 2025, the precious metal is scaling new highs, delivering double-digit returns for Indian investors
 "Gold is glittering again, but experts warn it's a hedge, not a jackpot")
Need cash? Now borrow up to ₹1 crore against your shares, says RBI
If you own shares or mutual funds but want to avoid redeeming them, you can access emergency funds by pledging your investments.
 "Need cash? Now borrow up to ₹1 crore against your shares, says RBI")
NPS gets major overhaul: 100% equity option, shorter lock-ins, more choice
The 100 per cent equity option could appeal to younger investors with a long investment horizon who want more growth from equities.
 "NPS gets major overhaul: 100% equity option, shorter lock-ins, more choice")
Loan against shares: Have emergency funds ready to handle margin calls
Borrow 20-30% below maximum eligibility to avoid frequent margin calls
 "Loan against shares: Have emergency funds ready to handle margin calls")
73% of seniors want to work after retirement, yet only 23% do: Survey
A survey finds only 23% of Indian seniors work after retirement despite 73% expressing willingness to stay active and earn
 "73% of seniors want to work after retirement, yet only 23% do: Survey")
From calories to caring: Festival gifting takes a health-conscious turn
Gone are the days of boring mithai dabbas and dry fruits; gifts are increasingly being curated with an emphasis on wellness that goes with the receiver's personality and lifestyle
 "From calories to caring: Festival gifting takes a health-conscious turn")
RBI tightens gold loan rules: What changes in repayment, valuation, auction
Regulatory changes seek to ensure more discipline, transparency and protection for borrowers
 "RBI tightens gold loan rules: What changes in repayment, valuation, auction")
RBI raises limits on loans for shares, investing in IPOs: What changes
Central bank gives investors greater access to credit and boosts participation in capital markets
 "RBI raises limits on loans for shares, investing in IPOs: What changes")
If you need a personal loan, what are the best rates available now?
A personal loan can be used for multiple things, but one must keep in mind that they come with a somewhat higher price tag