Page 741 - Personal Finance

Not all debt funds are bad even now

Use these for investment up to one year. Investors in lower tax bracket should choose the growth option

Indian insurers likely to collect Rs 427-cr online premium in FY15: R K Nair

Says there is a huge opportunity for insurers as many people are still excluded from insurance bracket

Errors to avoid when filing returns

The tax department allows you to revise returns for mistakes, but there are strict conditions attached

EPFO issues 41.7 million UANs for seeding with workers' KYCs

UANs will be operational in Oct as the process of seeding with the KYC documents like Aadhaar will be completed by Sept 15

Should you roll over your FMPs for 3 years?

Base the decision on more than your potential liability under the new tax rules

Good time to invest in infrastructure

Only, you don't have to get into pure infra funds; can do so through equity diversified ones as well

Can timely payment of claims be guaranteed?

It may not always be assured. Coverage of scheme limited; time of applicability not clearly spelt out

PF account holders to soon receive universal numbers

Once a UAN is allotted to an employee, he or she need not go through his or her employer to provide details to EPFO, unlike now

Can a housing society expel its member?

Yes, but procedure is not easy. If expelled, member loses the right to his property

File tax returns on time

It helps revise returns, carry forward losses and get refunds on time

Budget clarifies, plugs loopholes in tax regime

There are clarificatory amendments in this Budget, especially pertaining to real estate transactions, which should be kept in mind

No proposal to hike EPFO interest rates: Vishnu Deo Sai

EPFO provided 8.75% interest rate for 2013-14, which was an increase from 8.50% rate provided pfin 2012-13

Case study

Realty check

Budget: Rs 50 lakh to Rs 1 crore

Let specialists help you get the best home loan

They do all the running around, including negotiating with the new lender

From physical shares to demat

With Sebi making the transition to dematerialised form compulsory, it isn't going to be easy. Start now to avoid problems

Life Insurance: Anuj Agarwal

Insurers can't escape compensation by apologising

Infrastructure gets a Budget boost

The shares could continue to see outperformance if the Budget assumptions are proved correct

PF chief wants policy on inoperative accounts

EPFO had Rs 26,497 crore in "inoperative accounts" as of March 2013