Page 2 - Personal Finance

GPF interest rate remains at 7.1%: What it means for govt employees

The Centre has retained the GPF interest rate at 7.1% for July-September 2026. Here's who will benefit and what's changed

Equal-weight funds: Pick broader universe if risk appetite, horizon permit

Beware that funds with higher exposure to mid- and smallcaps are likely to be more volatile

CGHS pensioner cards: How the Bhavishya portal changes the process

Retiring central government employees can now apply for CGHS pensioner cards with less paperwork through the Bhavishya portal

ITR filing isn't complete until you verify your return: Here's how to do it

E-verification is the final step in filing your ITR. Here's how to do it by using Aadhaar OTP, EVC or net banking

Immediate annuities: Multiple options available, weigh trade-offs carefully

Annuitise only essential expenses, retain liquidity and compare payout options and rates before purchase

Sebi eases mutual fund claim rules after death: Key changes explained

Experts say Sebi's simpler norms cut paperwork, but nominations and updated records remain crucial

EPFO 3.0 may bring universal pension for all workers: What changes

The proposed reforms aim to widen pension coverage, allow flexible retirement payouts and include gig workers

Momentum factor funds: Invest only with 5-yr horizon, high risk tolerance

Use them as part of a portfolio containing multiple factor strategies

Momentum funds can see sharp reversals; limit satellite portfolio exposure

Check the underlying index and concentration, and invest for at least five years

How a step-up SIP can help you reach ₹5 crore 4 years sooner | Mutual funds | Personal finance

In this Personal Finance special, we explain how increasing your SIP by just 5% or 10% every year can help you achieve your financial goal up to four years sooner

Passive hybrid funds: Understand index mix, tax treatment before investing

Those who do not understand the underlying equity and debt indices should stay away

Credit cards & Gen Z: Spending should not exceed 20-30% of take-home income

Credit utilisation ratio should remain below 30%

Why senior citizens should consider deductibles in health insurance

Opting for a deductible can reduce premium costs, preserve your no-claim bonus and make health insurance more efficient for meeting large medical expenses

File full and accurate details in tax return forms to claim deductions

Providing incomplete or inaccurate information can have penal consequences

Hidden UPI mandates: When a Rs 1 trial becomes a monthly bill | Autopay | Personal Finance

A ₹1 trial for a music streaming app, OTT platform or AI tool can quietly turn into recurring monthly deductions if users approve a UPI AutoPay mandate during sign-up .

Builder gave flat, not promised amenities; RERA orders 90-day fix

Order says handing over a flat alone is not enough if promised amenities and common facilities remain incomplete

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