Page 9 - Personal Finance

CGHS got a digital makeover: How it helps beneficiaries in health care

Unified portal and mobile launched for central government's service for its employees and pensioners

Update your EPFO KYC information and save time and trouble: Here's how

Avoid delays in claims and transfers, follow this step-by-step guide to update your EPFO KYC details

Group Train Booking? Only confirmed passengers can board, says IRCTC rules

If you are on the waiting list and have not got a seat, you must not board a train

Defence funds: Enter via SIP with 10-year view to manage valuation risk

Jefferies estimates India's defence sector opportunity at US$100-120 billion over the next five-six years

Not into stocks? Post office savings schemes could be worth an investment

With markets on a rollercoaster, many Indians are turning to post office savings schemes for safer, steady returns. Here's why these old-school options are back in personal finance conversations

Quality theme fund: Invest for long-term steady compounding, lower downside

Quality funds tend to be less volatile and offer downside protection and often perform better in a bear market due to the stable earnings

Cover for natural death begins after the initial waiting period ends

The initial waiting period is meant to safeguard against moral hazard

Filing ITR for AY 2025-26? Avoid these common mistakes and new pitfalls

New ITR forms, stricter checks, filing your AY 2025-26 return? Here's what to watch out for to avoid delays, notices, or penalties

Dynamic bond funds: Check rate-cycle track record before investing

A dynamic bond fund (DBF) can help investors navigate rate cycles effectively

Corporate FDs can get you higher returns if you are prepared for the risk

Such FDs are similar to those offered by commercial banks but carry a higher interest rate, as well as risk of default

Risk-tolerant, long-term investors may hold these in satellite portfolio

EW index-based funds can be more volatile due to exposure to smaller companies

Bajaj Allianz Life declares biggest bonus ever: Who will get payout

Company says payout shows 'strength of prudent investment strategies and finances'

Gold ETFs gain favour; choose ones with low cost, minimal tracking error

More investors now adhere to the principle of asset allocation. "Increasingly, they treat gold as a financial asset in their portfolio rather than just as jewellery," says Vikram Dhawan

From MCLR to repo-linked loans, pick lenders with low, stable spread

Agarwal points out that rate changes in the external benchmark are transmitted automatically, without being influenced by a bank's internal cost structure

Why competition in money matters can be damaging to your financial journey

Unnecessary competitiveness shifts our focus from our own destination to imagined races. It turns a fulfilling long-term journey into a relentless sprint that leaves us tired and anxious

EPFO makes pension claims smoother: 5 updates you should know about

IT upgrades and simpler process leads to 'less paperwork, faster processing' of claims

Need to break your fixed deposit early? Here's how to slash penalty costs

Learn how to minimize penalties on premature FD withdrawals by choosing the right bank and smart structuring strategies like laddering, sweep-in, and loans against FDs.

No I-T on new flat received exchange for old under Section 56(2)(x)

The judgment is likely to benefit prospective homeowners who are planning to exchange their old homes for upgraded accommodations in newly developed residential projects

Underinsured? 75% in India have health policies below Rs 10 lakh cover

The issue is most pronounced in South India, where 66% of policyholders have coverage of Rs 5 lakh or less.

Axis mutual fund uses ONDC to reach underserved, remote investors

This integration 'marks a significant step toward making mutual fund investments more accessible, affordable, and inclusive', says the company