Savings
Rebuild savings, avoid loans: Setting a financial plan after overspending
A step-by-step guide on how to recover systematically from overspending and regain long-term financial discipline
 "Rebuild savings, avoid loans: Setting a financial plan after overspending")
The poor's savings: The next frontier for NPCI and RBI Innovation Hub
For savings, the risk of default or malfeasance is borne by the vulnerable customer and, therefore, the regulator is cautious in allowing any latitude in experiments with savings products
 "The poor's savings: The next frontier for NPCI and RBI Innovation Hub")
Women-focused cash transfers reshaping household finances: PM-EAC paper
PM-EAC working paper finds women-centric cash transfer schemes in Maharashtra & Odisha increased savings, spending and household financial resilience while strengthening women's control over finances
 "Women-focused cash transfers reshaping household finances: PM-EAC paper")
Smart Savings: How Senior Citizens Can Lower Health Insurance Premiums
With healthcare costs rising steadily, opting for a deductible can help senior citizens reduce health insurance premiums while retaining protection against major medical emergencies
 "Smart Savings: How Senior Citizens Can Lower Health Insurance Premiums")
Net household financial savings rise to 7% of GNDI in FY25: RBI report
Net household financial savings increased to 7 per cent of GNDI in FY25 as a sharp decline in financial liabilities outweighed a moderation in gross financial savings
 "Net household financial savings rise to 7% of GNDI in FY25: RBI report")
Best of BS Opinion: FinMin offers sobering view of macroeconomic risks
From rising oil-linked risks and services data gaps to gold loan expansion and global capital flows, here are the key insights from Business Standard's Opinion page
 "Best of BS Opinion: FinMin offers sobering view of macroeconomic risks")
India has an opportunity to become a natural absorber of global savings
There are moments (like the present) when current account deficits are widening in response to shocks, but our system has a well-developed playbook for dealing with these
 "India has an opportunity to become a natural absorber of global savings")
Sometimes, steps to protect investors can hurt them in the long run
The anti-proliferation restrictions need to be revisited to allow a wider range of well-labelled products
 "Sometimes, steps to protect investors can hurt them in the long run")
EPFO keeps interest at 8.25% for FY26: What it means for your savings
The Employees’ Provident Fund Organisation has recommended an 8.25% interest rate on EPF deposits for FY2025-26. This is the third straight year at the same level.
 "EPFO keeps interest at 8.25% for FY26: What it means for your savings")
How Zomato-style apps are steadily reshaping savings for young investors
There's a certain appeal with the new-age investment platforms that young investors find hard to ignore
 "How Zomato-style apps are steadily reshaping savings for young investors")
RBI rate cut is here: What happens to FD rates, EMIs and your savings now
RBI has cut the repo rate by 25 bps to 5.25%. That’s great news for borrowers but it can be bad news for fixed deposit investors. Here’s what may happen to FD rates, what senior citizens can do
 "RBI rate cut is here: What happens to FD rates, EMIs and your savings now")
Tackling low savings rate: Automate with SIPs, retirement accounts
Control lifestyle inflation and avoid excessive reliance on debt by automating savings, budgeting better, aligning investments to goals and tracking progress regularly
 "Tackling low savings rate: Automate with SIPs, retirement accounts")
From savings to splurges: CA shares 7 rules for building real wealth
Luxury fades, habits don't: Nithin Kaushik suggests ways to ensure financial freedom
 "From savings to splurges: CA shares 7 rules for building real wealth")
RBI halts New India Co-op Bank operations: How to secure your savings
The announcement has triggered anxiety among account holders, many of whom depend on the bank for routine financial transactions. Experts advice to staying calm and keeping an eye on RBI guidelines
 "RBI halts New India Co-op Bank operations: How to secure your savings")
Aadhaar-based e-KYC for savings accounts in post offices is now possible
Until the full system enhancements are implemented, customers' consent for e-KYC and specimen signatures will be collected using physical forms
 "Aadhaar-based e-KYC for savings accounts in post offices is now possible")
Mahila Samman scheme may not be extended beyond March 2025; key details
Announced during the Union Budget 2023-24 by Finance Minister Nirmala Sitharaman, the small savings scheme aimed at encouraging savings among women
 "Mahila Samman scheme may not be extended beyond March 2025; key details")
The worrying trend in household savings
With the share of physical assets rising, the responsibility to free up resources to fund corporate capex shifts to the government
 "The worrying trend in household savings")
20% of households are channeling savings into capital markets: Eco survey
Annual net SIP flows have doubled in the last three years, from Rs 0.96 lakh crore in FY21 to Rs 2 lakh crore in FY24
 "20% of households are channeling savings into capital markets: Eco survey")
2 out of 5 Indians say savings key goal of financial planning: Report
People older than 30 likely to save almost 25% of their monthly income and those younger save only 10-15%
 "2 out of 5 Indians say savings key goal of financial planning: Report")
Secure your future: How to build an emergency fund for financial stability
Knowing you have a financial buffer allows you to focus on other important aspects of your life without worrying about money