Personal Finance

Check returns and exit costs before buying non-par insurance plans

Calculate the internal rate of return, assess surrender costs and make sure the long-term premium commitment fits your goal before opting for guaranteed-benefit insurance products

Drive less, pay less: Is pay-as-you-drive insurance cover right for you?

Estimate annual mileage carefully, choose the right slab and check top-up terms

Check term insurance premium rates for plans that extend beyond retirement

Here is a selected list of the best term insurance rates from various insurers for young professionals living in a metro, with coverage of up to Rs 1 crore

International schools expand in India, but is the premium worth paying?

Global school brands and international curricula have widened choices in terms of curriculum, teaching quality, and global exposure. Here's what parents need to weigh before paying the premium.

Moving out of a rented home? Know when landlord can keep your deposit

Repainting, routine upkeep and unexplained charges are among deductions tenants can dispute, say legal experts

Pharma funds rally: How to pick right one based on portfolio, risk, costs

Compare portfolio mix, risk and costs; keep exposure small and invest with a long horizon

Women's SIP investment rises nearly four-fold in five years

Earlier, traditional options such as gold, fixed deposits and property were preferred for savings. Women are now allocating a part of their savings to equity markets through SIPs

Home affordability: How to assess your true purchasing capacity?

Work backwards from an affordable EMI, make a bigger down payment than banks require, and stress-test loans against rising interest rates

Used-car loan traps: How to reduce borrowing risks, keep EMIs manageable

Compare rates, choose a short tenure, make a larger down payment, and keep EMI within manageable limits

Redeveloping your housing society? 5 checks before choosing a builder

Ageing housing societies can unlock significant value through redevelopment, but title, approvals, member rights, costs and delays need careful scrutiny first

Buying pet insurance? Check sub-limits, exclusions before choosing a policy

India's pet population rose from 28.5 million in financial year 2019-20 (FY20) to 39.2 million in FY25 and is projected to reach 60.5 million by FY30, according to industry estimates

Average cancer claim rises 81% in 5 years: How much health cover is enough?

With treatment claims rising to Rs 5.6 lakh, expert explains how families can assess their health cover

Sending money abroad? Know remittance limits, tax rules & disclosure norms

Check the annual remittance limit, when tax is collected or deducted at source, and when you must disclose foreign assets

Money talks: How brands, leaders, destinations are monetising storytelling

From hotels and coffee brands to CEOs, entrepreneurs and even policymakers, stories are being used to sell, persuade and build value and consensus. Now, storytelling itself is becoming a big business

Property registered in your name? That's not the end of ownership process

A registered sale deed records the transaction, but buyers must check title history, encumbrances and other records before claiming clear ownership

Rs 54 lakh cash deposit avoids taxation: Why property dealer won case

Tax tribunal rules the amount passed through his account and was not income. Experts explain the evidence that made the difference

RBI sets new loan recovery rules: What changes for borrowers in 2027

RBI's binding rules on recovery will restrict contact hours and recovery-agent conduct, while safeguarding against wrongful device locking, but third-party agents could pose challenges.

Flood-damaged home? Know what insurance policy covers and how to claim

Check sub-limits and exclusions, document damage promptly, and avoid permanent repairs before inspection

Compare the best super top-up health cover plans before picking one

With healthcare costs rising sharply, comprehensive health insurance and super top-up plans are becoming a necessity for urban Indians seeking stronger financial protection

Buying property? Check rental yield to avoid overpaying, assess fair value

Besides a high current yield, it is also crucial to assess whether it will sustain