Page 2 - Personal Finance

Health insurance premiums: What leading insurers charge for a plan

As Irdai weighs caps on commissions and scrutiny of distribution costs intensifies, comprehensive health cover remains essential amid rising private healthcare expenses

The new old luxury: Why vintage art is finding fresh interest

As affluent Indian homes become sleeker, buyers are looking to acquire objects with history. But when does something old become valuable, and what should a first-time collector know before buying?

Switch NPS fund manager only if underperformance persists across mkt cycles

Check whether weak returns reflect the market cycle before changing your pension fund manager

Inherited jewellery: How to prove its origins and avoid tax scrutiny

Preserve old valuation and inheritance records; document family lockers and explain the source of each holding

Quit your job? Your EPF may still earn interest for years | Personal Finance

Taking a career break at 40? What happens to your EPF money? Find out how long your existing PF balance can continue earning interest, when an account becomes inoperative

World Heart Day: How to cover cardiac risks before an emergency strikes

Rising cardiac treatment costs make adequate health cover and a strong emergency fund essential for financial protection

Bucket strategy deployed in retirement needs a refill rule

What happens after you start spending the safe bucket? If it is meant to hold two years of expenses, it has to be refilled from time to time

Avoid paying a steep premium for foreign ETFs; explore other options

Compare the traded price with NAV and weigh taxes and costs before selling or choosing another route; industry limits on overseas investments restrict fund houses' ability to create fresh units

Stock Beta explained: What risk and return mean for individual shares

Learn how stock beta measures volatility, helps you weigh potential returns against real-world risk

Why investors need to be cautious after run-up in small-cap funds

With pockets of this segment turning expensive, investors should rebalance if overweight and invest in a staggered manner

Ahead of a festive season buy, check out the best car loan rates available

As the festive season approaches, a number of people start planning a car purchase to coincide with one or the other major festival. Here's a list of available car loans

The overlooked part of estate planning: Choosing your spouse's adviser

Leaving assets and investment records is not enough; investors should identify trusted Sebi-registered advisers in advance so their spouse is not pushed towards unsuitable products after their death

Can banks recover loans from life insurance payouts? Allahabad HC weighs in

Allahabad HC asked SBI to refund ₹17.29 lakh deducted from a widow's account to recover her deceased husband's loan, saying the bank was prima facie not entitled to recover it from insurance proceeds

Term plans with return of premiums: Count the real cost before you buy

Compare the higher premium with pure term cover, factor in inflation, and examine lapse and surrender terms

Buying under-construction property? Don't skimp on due diligence

Tie payments to project's progress; verify title, approvals and Rera disclosures

Rs 18.34 lakh stipend: When can students claim income-tax exemption?

Order draws a line between educational support and employment income, with implications for students receiving scholarships and stipend

Senior citizen FD rates in mid-September up to 8.5%: Top rates compared

Small finance banks offer the highest rates, while select lenders provide extra interest for super senior citizens aged 80 or more

Make sure you know what the rates are before taking a personal loan

A personal loan can come in handy when you need quick liquidity, but tends to carry higher interest rates

Quit your job? Your EPF may still earn interest for years | Personal Finance

Taking a career break at 40? What happens to your EPF money? Find out how long your existing PF balance can continue earning interest, when an account becomes inoperative

The Tax-Saving Trap: Why Deductions Should Never Dictate Your Portfolio

Investment choices should be based on financial goals, risk and liquidity, with tax efficiency considered only after the portfolio's core structure is determined.