Page 6 - Personal Finance

Home affordability: Consider peripheral localities, smaller house sizes

If going from a 2-BHK to a 3-BHK pushes the EMI beyond comfort, the bigger house becomes a risk rather than a solution

Check the different rates and tenures for Personal Loans

A personal loan is a handy financial instrument to tide over short-term cash crunch, especially for major, one-time expenses

Silver rally: Unwinding of premiums, profit-taking could trigger correction

New investors should enter gradually, invest with a 5-10 year horizon, and cap exposure at 5-7 per cent of the portfolio

PFRDA's Swasthya Pension Scheme explained: where it helps, risks involved

Designed as a healthcare buffer under NPS, not a substitute for full health cover, says experts

From utility to sanctuary: Why Indians are investing in luxury bathrooms

Once a functional afterthought, the bathroom is now one of the most invested-in spaces in Indian homes, driven by wellness, design and long-term performance

Updated return: Found omissions after Dec 31? File ITR-U to cut legal risk

Scrutiny may extend to other assessment years if disclosures suggest a pattern of non-compliance

Housing finance must be part of India's next economic reforms agenda

India's six largest cities contribute nearly half to housing and mortgage volumes but lenders with scale shy away from deeper geographies

Invest in NPS Vatsalya if you have a long horizon and can forgo liquidity

The scheme may not suit investors who want liquidity, are targeting short- to medium-term goals, or are uncomfortable with equity volatility

Small-cap index at 8-month low: Take staggered, long-term fund exposure

Keep allocation measured and aligned to your risk appetite, given the segment's higher risk

Tackling portfolio overlap: Invest fresh money in underrepresented segments

When building a portfolio, diversify by market cap, style, and geography to minimise chances of overlap

Check out the best home loan rates from public and private lenders

With home loan interest rates likely to remain stable in the near future, here are the various options available from banks and HFCs

Clean air on the go: Can wearable purifiers cut pollution exposure?

Wearable and convenient, personal air purifiers promise a clean-air bubble for urban Indians. But do these devices meaningfully reduce pollution exposure, or offer only limited relief?

After 12% sales drop, housing market enters 2026 on steady ground: Report

Residential sales fell 12% in 2025 as buyers turned cautious, but disciplined supply is expected to keep prices stable through 2026

Pharma & healthcare funds: Easing valuations, rising insurance aid outlook

Price controls by the Indian regulator, USFDA actions, and concentration risk are key concerns

Co-borrowers must be co-owners and contribute to EMIs to claim tax benefits

The deduction claimed must be in proportion to their ownership share and actual EMI contribution

Budget decoded: How the government's plan shapes your family finances

From taxes and loans to savings, here's how Budget numbers affect homes

India's insurance premiums to grow 6.9% annually till 2030: Report

Swiss Re flags India as the world's fastest-growing major insurance market by the end of the decade

Claiming third-party motor insurance? How it works after an accident

Injury, damage, liability: what really gets paid under third-party insurance

UPI-based EPF withdrawals may start by April: What changes for members

The proposed system promises quicker access to EPF money, with limits

Align tax saving with your financial goals, horizons, and liquidity needs

Begin making these investments now, based on informed choices, instead of waiting till the last moment when mistakes are more likely