Personal Finance

Lost your registered mobile? How to access Income Tax portal without OTP

CBDT allows taxpayers to reset their e-filing password using DSC, net banking or email even without the registered mobile

EPFO adds new PF transfer option after job switch: What has changed

Members can now transfer their PF balance through two online routes, helping consolidate retirement savings after a job switch

How cryptocurrency investors can avoid tax and regulatory trouble

Use registered platforms, report every trade and maintain a complete audit trail

Avoid a costly early exit: Steps before surrendering an insurance policy

Assess the policy's returns, risks and liquidity restrictions, and ensure that you can sustain the premiums throughout its term

Fixed deposit rates in mid-July up to 8.1%: Top picks across lenders

Small finance banks offer up to 8.1% on FDs, outpacing most public and private sector lenders

Use short-term insurance to cover time-bound financial liabilities

They should be used as top-ups, not as the base cover for providing long-term protection to the family

Father can't sign away daughter's share in ancestral property: HC

Ruling reinforces women's coparcenary rights. Here's what it means for family property.

Aggressive hybrid funds offer equity exposure with lower volatility

Check both equity and debt portfolios before investing

Map spending pattern, pick credit cards that align with it to boost savings

Relying on generic cards that offer flat, low reward rates can reduce your savings

Hidden UPI mandates: Here's why a ₹1 trial can cost far more over time

Forgotten UPI AutoPay mandates can trigger recurring debits long after a free trial ends

Verify hospital's cashless status before admission to avoid claim hassles

If reimbursement becomes unavoidable, submit a complete file at the earliest

Long-duration bonds: Match investment horizon with the bond's tenure

Check post-tax returns, and preferably hold till maturity to reduce interest-rate risk

Use slowdown in housing sales to negotiate a better property deal

Compare nearby projects, negotiate the overall deal and not just the base price, and choose developers with strong delivery records to secure better value

Travelling without ticket, damaging property: Railway increases fine

New railway rules increase monetary penalties for common offences, including travelling without a ticket, entering women-reserved coaches and misusing facilities.

July income tax deadlines: ITR filing, other key dates taxpayers must track

July brings multiple tax deadlines, from TDS filings to the July 31 ITR deadline. Here are key dates taxpayers need to track

ICICI Prudential launches Multi-Asset Active FoF: Key details for investors

From equity growth to debt stability and gold diversification, here is how ICICI Prudential's new multi-asset fund works

Multi-year health insurance: Lock in premiums, but check exit rules first

Multi-year health insurance plans offer premium stability and upfront discounts, but buyers should weigh flexibility, portability and future healthcare needs

I-T dept flags up to 20,000 ITRs for 'swapped provisions': What to do

Revised returns are meant for corrections, not tax-saving experiments; experts explain why 'swapped provisions' can trigger action

Pension Sahayak guide: Here's how PFRDA's new grievance portal works

Pension Sahayak guide: Here's how PFRDA's new grievance portal works

Smallcap funds are rising: Should investors raise the exposure now?

After a sharp rebound in recent months, smallcap funds are back in favour. Experts weigh the opportunities, risks and suitability for different investors