Guide To Personal Finance

Invest in gold, global funds to cushion portfolio against fall in rupee

Holding gold and global assets can help Indian investors hedge against rupee depreciation, manage inflation risks, and meet dollar-denominated goals such as overseas education and travel

Year-end portfolio review: Book partial profits in silver and gold funds

Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds

What are the interest rates senior citizens can get on fixed deposits?

Senior citizens get a slightly higher rate of interest on fixed deposits across public and private banks, as well as NBFCs

Canvas to capital: How art is becoming India's new investment asset

Indian art is moving beyond aesthetics into portfolios, as wealthy investors seek diversification, cultural capital, and long-term value in an asset class once seen as niche

New tax law from April 1: What it means for income, filing, and compliance

Taxpayers must be able to distinguish between matters where the old tax law still applies and those where the new one does

Moving from gas to induction? A buyer's guide to induction cooktops

As LPG shortages disrupt kitchens amid West Asia tensions, induction cooktops are gaining ground. Here's a practical guide to choosing the right model for Indian cooking needs

Crude at $100: Should you lock in home loan rates before FY26?

Rising crude oil prices amid tensions in West Asia could affect inflation and the RBI's rate trajectory. Borrowers may consider locking in home loan rates before the financial year ends

Home insurance: Burden of proving exclusion in a claim lies on insurer

If an insurer wants to deny a claim based on an exclusion, it must provide clear evidence that the incident falls under that exclusion

Consider corporate fixed deposits if you want to boost your returns

If you are a conservative investor who invests primarily in bank fixed deposits but wants to boost your returns by 1-2 percentage points, consider investing in a corporate fixed deposit

No free lunch: Annuities reveal why the retirement corpus has to be large

Annuities show that a 60-year-old couple needs a total of Rs 12 crore to be able to live in a two-bedroom apartment in Bangalore during retirement

Find the best interest rates on fixed deposits for senior citizens

Senior citizens get a slightly higher rate of interest on fixed deposits across public and private banks, as well as NBFCs

Fund managers rebalance MAAFs after run-ups, so stay invested

New investors should consider them for risk reduction, stability and disciplined allocation, not return-chasing

What are the health insurance options available to NRIs visiting India?

NRIs' overseas health plans may not be accepted in Indian hospitals since they may not have the relevant tie-ups; for such contingencies, it is best to take a local travel health

Lapsed life insurance explained: What happens and how to restore your cover

Learn how grace periods, reduced paid-up options and revival rules work

Exit regulation amendments: PFRDA allows loans against pension savings

Partial withdrawal norms for NPS accounts rationalised; annuity mandate at retirement relaxed for smaller balances

IRCTC offers 20% off return fares for Diwali travel: Here's the fine print

Festival season rail travellers can save on return tickets with IRCTC's new scheme, but the offer applies only if you meet the booking rules and travel dates

Filed wrong ITR form? Consequences & how to fix it

'Filing a wrong ITR doesn't just stall refunds, it can trigger penalties and scrutiny if not fixed,' warns a tax expert

Bank's group coverage: Affordable, easier to acquire; but check for limits

Group insurance from banks may be affordable and easy to onboard but customers must watch for coverage limits, exclusions, and renewal risks before signing up

Sign agreement locker agreement promptly, buy cover for valuables

Customers may face service interruption if they don't sign agreement after multiple deadline extensions

Keep 2 months' expense in savings account, move rest to liquid funds

Instead of chasing past returns, choose a fund with papers of high credit quality