Page 20 - Personal Finance

Flat booking cancellation and refund: Evaluate finances, do due diligence

Homebuyers should understand RERA-based cancellation and refund rules before entering into a builder agreement, especially regarding earnest money and default timelines

Evaluate OPD plans on sum insured, coverage, sub-limit, and network

Estimate your annual OPD expenses to decide suitable sum insured

Filing ITR without a CA? Don’t make these 5 common mistakes | ITR for AY 2025-26 | Personal Finance

Filing your Income Tax Return (ITR) for AY 2025–26 without a Chartered Accountant? It’s now easier than ever, thanks to digital tools, but a few common mistakes can still land you in trouble.

Tax deadline to train ticket cost: Key financial changes from July

Aadhaar-PAN rules to revised bank fees: Here's what's new for your money, travel, and taxes starting this month

Inside Gurugram's real estate boom: How traders are flipping the game

Gurugram's housing market is being reshaped by fast-trading buyers, not end-users, distorting prices and sparking new worries over affordability and risk

Beware pressure tactics: Limited-time deals and fear-based appeals

This National Insurance Day, let us look at the various types of fraud that are taking place and how you can avoid falling prey to them

NFO alert! Mahindra Manulife launches BFSI focused fund; check details here

Mahindra Manulife Mutual Fund has launched Mahindra Manulife Banking and Financial Services Fund. The NFO, which opened today, will remain available till July 11, 2025

Run SIP with long horizon, avoid lump sum bets amid high valuations

Despite stretched valuations and market volatility, smallcap funds saw strong inflows in May as investors bank on long-term potential and return to SIPs for stability

Bank's group coverage: Affordable, easier to acquire; but check for limits

Group insurance from banks may be affordable and easy to onboard but customers must watch for coverage limits, exclusions, and renewal risks before signing up

Sign agreement locker agreement promptly, buy cover for valuables

Customers may face service interruption if they don't sign agreement after multiple deadline extensions

Blend core SIP strategy with dip-buying for tactical market gains

Seasoned investors, who understand the context of a downturn, are more likely to benefit from dip-buying than those who act impulsively or without a disciplined plan

Blend core SIP strategy with dip-buying for tactical market gains

Seasoned investors, who understand the context of a downturn, are more likely to benefit from dip-buying than those who act impulsively or without a disciplined plan

Govt extends Unified Pension Scheme option deadline to 30 September 2025

Eligible central government employees, retirees, and spouses of deceased retirees now have until 30 September 2025 to opt into the Unified Pension Scheme

SDL-based STRIPS: Use for duration matching, not for tactical gains

Invest for more than 12 months to enjoy favourable tax treatment

Assess true cost: Add up expense ratio of FoF and underlying funds

Understand the risks of the underlying funds and whether their strategies match your objectives

Fixed deposit rates fall; Pickleball spreads: Top personal finance stories

Our newsletter this week has stories on what investors should do as deposit rates fall and why Pickleball is being called the 'people's game'

RBI rate cut: Good news for loans, bad news for FDs | Personal finance | EMIs | Loans

The RBI recently surprised the markets with a 50-basis-point cut in the repo rate, bringing it down to 5.5%.

Deferred annuity plans: Ensure retirement income with guaranteed return

Inflation will reduce value of payout, so invest part of retirement corpus in growth instruments

Told your employer one tax regime, but want to switch? Here's the rulebook

You can move to another regime while filing Income Tax return, but maybe asked to pay extra tax if you change your choice says tax expert. Be ready for.

Paytm rolls out customised UPI IDs: Here's how to create one for yourself

Users can now mask their phone numbers during UPI payments with Paytm's new personalised IDs