Page 12 - Your Money

Home-loan tax rules explained: Deductions, sections and proof required

Taxpayers servicing a home loan may claim deductions under Section 80C, Section 24, Section 80EE and Section 80EEA, depending on eligibility.

Health insurance for young earners:Choosing the right cover and sum insured

A health insurance policy is an indemnity contract where the insurer pays for your medical expenses in exchange for an annual premium.

Joint expenses & separate goals: How couples should plan financially

They should work as a team and plan for their retirement by saving money together

Retirement planning for young professionals: Start early, build slowly

Begin by investing 10-15% of your income and increase contributions gradually as your career progresses

Not the best cover: How to avoid buying overlapping insurance policies

Duplicate covers do not increase real benefit and are a waste of your money

Emergency fund: When to use it, how to rebuild it, and how to protect it

An emergency fund can help cover out-of-pocket medical costs such as diagnostic tests, medicines, and other payments

Jointly owned house: Steps to avoid tax disputes and ownership issues

Sale deed should clearly specify ownership share; maintain proof of contribution in purchase

Where should your emergency fund sit, and how large should it be?

The existence of an emergency fund matters most if you encounter a financial setback, such as a job loss, health emergency, home repair or some family responsibility

Direct stock investing vs mutual funds: What suits a young professional

Earning from stocks depends on discipline and how effectively you give your time and knowledge

Credit cards, personal loans, BNPL: Features, costs, eligibility explained

Financial products must be used in a disciplined way as they weigh on credit score and loan eligibility

Started retirement planning at 40? Here's how to catch up in time

Step up savings rate, build equity-heavy portfolio, and automate investments

QR scams, fake apps, suspicious links: All about digital-payment safety

Never scan any QR code to receive money and don't install apps from random links

Needs, wants and emergencies: Cash-flow planning for young earners

Start a mutual fund subscription and buy an insurance policy as soon as you start earning

Beginner's guide to mutual funds: Choosing schemes, SIPs and key terms

Guide to mutual funds for beginners covering SIPs, fund types, risk, costs, NAV, asset allocation and tips on choosing schemes for long-term financial goals

Credit scores: What shapes them and how to check and improve your record

Explainer on credit scores covering how scores are calculated, how to read credit reports, spot errors, raise disputes and improve repayment behaviour for better loan access.

Arbitrage to yield: 25 terms everyone should know before investing

Mastering basic terms helps beginners understand risks, evaluate opportunities and avoid mistakes

Capital-gains tax: How assets are taxed and how is liability calculated

Explainer on capital gains tax across equities, gold, property and mutual funds, covering LTCG, STCG rates, exemptions, loss set-offs and return filing tips

Expenses, emergencies, indulgence: Budgeting for real-life finances

Assess your financial health by totalling all expenses and comparing them with your net monthly income

Smallcap valuations have moderated; understand the risks before you enter

The performance of these funds will hinge on a strong earnings recovery

Understand risks and liquidity constraints before investing in an SME IPO

Understand why listing day gains are harder to book than might appear