Personal Finance

Women home loan borrowers: Co-borrowers must ensure they are co-owners

Besides enjoying a share in the property, this will make them eligible for tax benefit

Value and contra funds: Add the other if it diversifies your portfolio

Sebi's new rule allows AMCs to offer both value and contra funds with limited portfolio overlap. Here's how the two strategies differ and which investors they suit

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

Can tenants claim ownership after decades of occupancy? SC clarifies

Supreme Court clarified that decades of occupancy do not grant tenants ownership rights, orders the eviction of a shop's occupants

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

War disruption: When airlines, hotels must refund cancelled bookings

If airlines cancel flights due to war or airspace closure, passengers can seek full refunds. But if travellers cancel voluntarily, contractual rules apply and insurance may not cover war

File consumer complaint within two years of the last cause of action

Identify correct court for filing complaint based on amount paid for goods or service

Forex card breach: Prompt reporting can secure full refund if no negligence

When not travelling, lock the forex card, keep only a small balance, and switch on alerts

Being well-informed is not enough, seek opposing views in investing

While survival is no longer at stake, confirmation bias continues to shape our behaviour - especially as investors

Use current valuations to enter small-cap stocks with robust fundamentals

Enter only those stocks that have consistently strong financials, adequate liquidity, and no signs of corporate governance risk

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

Counting crores: What's behind the surge in India's new ultra-Luxury homes?

As luxury thresholds climb, the real differentiator at Rs 15 crore is no longer square footage but privacy infrastructure, brand equity and managed living

Builder-buyer agreements fairer now, yet buyers must scrutinise fine print

Do not skip crucial provisions of the agreement that have a bearing on your interests

Bitcoin correction calls for decisions based on risk, allocation, horizon

If you are underweight, continue with systematic purchases

Corporate bond funds: Overlook recent outflows, invest with 3-5-yr horizon

The outflows were due to liquidity tightness and consequent rise in yields, not due to a deterioration in the category's risk-return profile

Dealing with a tax notice? Correct errors via updated ITR and pay dues

If your claim was genuine, submit documents to back it up

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

Cheque bounced? Experts weigh in on fines, jail risk and credit hit

'Most cases end in settlement, not jail,' say lawyers, but ignoring the 15-day notice can trigger court action and credit damage

RBI draft on INR derivatives may push more banks to expand in GIFT City

RBI's proposal restricting access to rupee NDDCs to banks with IFSC units could deepen lender presence in GIFT City, while offshore ETP rules signal calibrated liberalisation