Personal Finance & Wealth
Latest coverage and real-time analytical updates in Personal Finance.
Pet Attack in Patiala Highlights Need for Liability Coverage
On Aug 12, 2026, a man and his wife were injured by a pit bull in Patiala. The incident shows why pet owners should consider third‑party liability coverage in their pet insurance.
Personal FinanceRetirement Investing: Balancing Risk and Inflation
Retirement is not the end of investing. By balancing risk, keeping liquidity, and accounting for inflation, retirees can make their savings last for decades after 60.
Personal FinanceHomebuyers Can Claim Interest and Refunds if Possession Delays Under RERA
When a builder misses the promised possession date, buyers have legal recourse under RERA. They can demand monthly interest, compensation or even a refund if they choose to withdraw. Knowing the agreement terms and documenting delays is key to enforcing these rights.
Personal FinanceClosing a Credit Card: How It Can Affect Your CIBIL Score
Before you ask your bank to shut a credit card, understand how it might change your credit score. The move can alter your credit utilisation, account age and overall credit history, which can help or hurt your score.
Personal FinanceGold and Silver Prices Dip in Delhi Amid Global Market Weakness
Gold fell Rs 2,800 to ₹1,57,000 per 10 grams, ending a seven‑session rally. Silver slid Rs 6,000 to ₹2,40,000 per kg. Both metals followed a weaker trend in overseas bullion markets.
Personal FinanceNo Magic Number: Rs 1 Crore Isn’t Enough for Retirement
Experts say the right retirement fund depends on future costs, inflation and health needs, not a fixed figure like Rs 1 crore. A personalized, inflation‑adjusted plan is essential to sustain the desired lifestyle through a long retirement.
Personal FinanceInvesco India Leads Large‑Mid Cap Fund Rankings with 23.6% CAGR
Invesco India Large & Mid Cap Fund tops the large‑and‑mid‑cap mutual fund category, delivering a 23.6% three‑year CAGR, according to ACE MF data released on August 12. Motilal Oswal and HSBC follow closely, while ICICI Pru leads short‑term returns.
Personal FinanceFranklin India Liquid Fund Tops One‑Year Returns Among Top Liquid Funds
Franklin India Liquid Fund‑Super Inst leads the one‑year CAGR chart with 6.4%, tying with Axis and Edelweiss. The ranking includes only funds with assets above Rs 1,500 crore, and Axis holds the biggest corpus at Rs 56,437.8 crore.
Personal FinanceBandhan Gilt Fund Leads Six‑Month Return Among Large Gilt Funds
ACE MF data on August 12 shows Bandhan Gilt Fund topping the six‑month performance among gilt funds with assets over ₹1,500 crore, beating ICICI Pru and Nippon India. The fund also outperformed its benchmark over one‑ and three‑year periods.
Personal FinanceMonsoon Session Sees Tense Showdowns: Kharge vs Nadda, Adjournments, and Monkey Protest
The Monsoon Session of Parliament witnessed heated exchanges between opposition leaders, multiple adjournments, and a quirky monkey protest, as the house readied for a tense finish on Aug 13.
Personal FinanceEx-JD(S) MP Prajwal Revanna Faces New Probe After Porn Videos Found in Prison Cell
Former Janata Dal (Secular) MP Prajwal Revanna, serving a life sentence for rape, is under fresh scrutiny after prison officials recovered a mobile phone with 80‑90 pornographic videos from his barrack. The incident has triggered investigations into prison security and staff conduct.
Personal FinanceTata Motors Shares Surge 6% on Strong Q1 FY27 Results, Becomes Top Gainer on Nifty 100
Tata Motors Ltd shares jumped 6% early Thursday after reporting robust Q1 FY27 earnings. Brokers upgraded the stock, citing healthy demand, price hikes, and margin upside.
Personal FinanceREIT and InvIT Dividend Tax Rule Changes: New Bill Makes Exemptions Regime‑Neutral
The Taxation and Other Laws (Amendment) Bill, 2026, removes a tax anomaly for REIT and InvIT dividends, making them tax‑free regardless of the trust’s tax regime. Experts warn investors to still break down each distribution into its components before filing returns.
Personal FinanceThree-Year Holding Rule for Residential Property Exemption: Section 82 vs 86 Explained
Taxpayers who claim capital gains exemption by investing in a residential house must hold the property for at least three years. Selling earlier reverses the benefit, with distinct rules under Section 82 and Section 86 of the Income Tax Act 2025.
Personal FinanceFrom Corpus to Cash: Turning Your Retirement Savings into Steady Monthly Income
A large retirement corpus is not enough; the real test is whether it can generate a steady monthly income that covers future living costs, healthcare, and unexpected expenses. Diversified income sources, sustainable withdrawals, and regular reviews help keep the money working for you.
Personal FinanceWhat to Do When You Miss an EMI: Avoiding Penalties and Protecting Your Credit
Missing an EMI can trigger late fees and harm your credit score. Quick payment, open communication, and emergency savings help you stay on track and prevent future setbacks.
Personal FinanceAnnuities: Balancing Security and Flexibility in Retirement Income
An annuity guarantees regular payouts, offering peace of mind for retirees, but it lacks liquidity and may lose value to inflation. Combining annuities with other sources like EPF, NPS, and mutual funds can provide a balanced, flexible retirement plan.
Personal FinanceShould You Refinance Your Home Loan? Key Points to Consider
Home loans can span 15 to 30 years, giving borrowers time to seek better rates. Refinancing, or balance transfer, can lower EMIs and save interest, but fees and loan stage matter. Understand costs, eligibility, and alternative options before switching lenders.
Personal FinanceChoosing Between EPF and PPF for Retirement Savings
Salaried workers often wonder whether to rely on EPF or PPF for retirement. Both are government‑backed, tax‑beneficial schemes, but they serve different roles and offer distinct advantages.
Personal FinanceWhy You Should Check Your Credit Report Regularly
Checking your credit report often can catch mistakes, prevent fraud, and keep your borrowing power strong. Even if you’ve always paid on time, a yearly review helps confirm your data is correct.
Personal FinanceHidden Expenses in Indian Home Buying: Beyond the Purchase Price
Buying a home in India seems easy when you only look at the down payment and EMI. But stamp duty, registration, interiors, maintenance and loan fees add significant costs. Planning a buffer for these hidden expenses can prevent financial surprises.
Personal FinancePPFAS Flexi Cap Underperformance Not Due to Size, Says CIO Rajeev Thakkar
PPFAS Mutual Fund's chief investment officer, Rajeev Thakkar, argues that the fund’s recent sluggish returns are not a result of its massive assets under management. He attributes the dip to portfolio choices and market conditions, urging investors to assess performance over a longer horizon.
Personal FinanceVirtual Debit Cards: Convenience, Control, and Cautions
A virtual debit card is a digital card stored in a bank app, ideal for online shopping and subscriptions. It offers added control but does not guarantee complete fraud protection.
Personal FinanceWhy You Should Enable Transaction Alerts on All Your Bank Accounts
Enabling transaction alerts keeps you instantly informed about every debit, credit, or transfer, helping you spot fraud early. The RBI mandates SMS alerts, but you can also get emails or app notifications. Prompt reporting and sensible settings make these alerts a powerful security tool.
Personal FinanceWhen and How to Refinance Your Home Loan in India
If your home loan rate is outdated, refinancing can lower your EMIs. This guide explains when it pays off, how to compare offers, and key factors to consider.
Personal FinanceEquity Investors Must Accept Volatility for Higher Returns, Says PPFAS CIO
Rajeev Thakkar, chief investment officer of PPFAS Mutual Fund, reminds investors that equity returns come with volatility, unlike fixed deposits, and that patience and understanding of risk are essential.
Personal FinanceHow a Rs 1,000 Annual SIP Increase Can Add Over ₹1.18 Crore in 25 Years
Adding just ₹1,000 each year to a ₹10,000 monthly SIP can grow a 25‑year corpus by ₹1.18 crore, according to a WhiteOak Capital study. The incremental steps boost compounding and deliver higher long‑term wealth.
Personal FinanceShould You Prepay Your Education Loan Early?
Many graduates wonder if they should rush to pay off their education loan after landing a job. While prepaying can save interest, it may not be the best move if you have other financial priorities or tax benefits. Read on to weigh the pros and cons.
Personal FinanceIs Buying a Second Home a Smart Investment? Key Factors to Consider
Many Indians view a second property as a sound investment for rent or appreciation. However, costs, location, and loan terms can offset returns. This guide helps you evaluate whether a second home fits your financial goals.
Personal FinanceCredit Utilization: How Your Spending Habits Shape Your Credit Score
Credit utilization reflects how much of your card limit you use each month. Keeping it below 30% and paying bills on time can boost your credit profile.
Personal FinanceCan You Still Benefit from PPF After 50?
Many believe PPF is for younger savers, but age 50 and beyond can still use it for retirement planning. The 15‑year lock‑in, tax benefits, and government backing make it a viable option.
Personal FinanceKey Property Documents Every Home Buyer Must Verify
Before signing a home‑purchase agreement, buyers should independently check title, encumbrance, RERA registration, permits, completion certificates, sale agreements, and seller’s authority to avoid costly mistakes.
Personal FinanceCheck Your Credit Report Every Year and Before Big Loans
The RBI gives every person a free full credit report once a year. Regular checks help spot mistakes, avoid surprises when you apply for loans, and keep your credit score healthy.
Personal FinanceITAT Rules ESOP Buyback Proceeds Taxable as Capital Gains, Not Salary
In a landmark decision, the Bangalore ITAT ruled that proceeds from buying back vested but unexercised ESOPs are capital gains, not salary, even if Form 16 lists them as salary.
Personal FinanceWhen a Home Loan Balance Transfer Is Worth It
Home buyers often ignore loan rates after disbursement. A balance transfer can lower EMIs if savings outweigh costs, but timing, fees, and lender offers matter.
Personal FinanceAre Credit Card EMIs Really Cheaper? What You Need to Know
Credit card EMIs can make large purchases look affordable, but hidden interest and fees may add up. Learn how to evaluate the true cost and compare other loan options before converting a bill to instalments.
Personal FinanceSecured Credit Cards: A Practical Path for New Borrowers in India
A secured credit card, backed by a fixed deposit, offers a way for first‑time borrowers or those with limited credit history to build a repayment record and eventually qualify for an unsecured card. It works best when used responsibly and within its deposit‑linked limit.
Personal FinanceSmall‑cap and Mid‑cap Funds Top 5‑Year SIP Winners; Large‑cap Managers Fall Short
A recent ranking shows that over the past five years, nine of the ten best SIP‑performing equity funds were small‑cap or mid‑cap, while no actively managed large‑cap fund made the list. The data highlights the dominance of active small‑cap managers and the rise of passive large‑cap investing.
Personal FinancePartner in Chartered Accountancy Firm Cannot Use Presumptive Tax Scheme on Salary, but Can if Running Own Practice
A partner in a chartered accountancy partnership cannot claim the presumptive tax benefit (Section 44ADA) on salary or commission received from the firm. However, if the partner runs an independent professional practice, the scheme remains available for individual receipts.
Personal FinanceSupreme Court says Husband Must Provide Clear Evidence of Adultery to Withhold Wife’s Interim Maintenance
Supreme Court clarified that a husband cannot deny interim maintenance to his wife by alleging adultery. The court requires clear prima facie evidence before withholding maintenance under Section 125(4). The ruling, in Himanshu Chordia vs Rajasthan, stresses that maintenance is a welfare provision and evidence must be credible.
Personal FinanceWhen Your EPF Deduction Disappears From Your Account
Many workers see their EPF deduction on the payslip but not in the EPF passbook. This guide explains why it happens, how to spot it, and the steps to recover your dues and interest.
Personal FinanceHow Self‑Employed Borrowers Can Secure Home Loans: Key Tips
Self‑employed individuals often struggle to obtain home loans because they lack a salary slip. However, banks are ready to lend when borrowers provide solid financial evidence. This guide explains the documents, credit habits, and strategies that strengthen a self‑employed home‑loan application.
Personal FinancePost Office Schemes: A Reliable Option for Indian Retirees
Retirees often turn to government-backed post office schemes for secure, predictable returns. While these plans offer stability, they should fit into a broader strategy that balances income, liquidity, and growth.
Personal FinanceRupee Weakens as Brent Crude Surges Amid Strait of Hormuz Uncertainty
On Aug 7 the rupee slipped 6 paise to Rs 95.28 per dollar after Brent crude spiked above $80. The rise followed Iran’s demand that US and Israeli ships stay out of the Strait of Hormuz, raising concerns for India’s oil‑import dependent economy.
Personal FinanceExplore 230+ Exclusive Editorials Monthly: Daily Insights, Weekly Ideas & Live Webinars
Discover over 230 monthly editorials, weekly investment ideas, daily technical calls, and live webinars from top experts. Stay ahead in trading and investment with expert guidance.
Personal FinanceHow Much Retirement Corpus Do You Really Need?
Most Indians think a crore or two will keep them comfortable in retirement, but inflation and longer life span make the required corpus much higher. Start early, use a step‑up SIP and plan for a costlier future.
Personal FinanceBitcoin Trades Near $64,358 as $65,000 Resistance Holds
Bitcoin slipped to $64,358 on Aug 7, staying within a tight $64,000–$65,000 range. Analysts note selling pressure near $65,000, while institutional inflows into spot ETFs grow.
Personal FinanceGold and Silver Rise on Aug 7 as US Dollar Weakens and Iran Deal Hopes Boost Safe‑Haven Demand
International gold nudged up 0.41% to $4,317.40/oz while silver climbed 1.50% to $62.53/oz on Aug 7. The rise is driven by a weaker dollar, optimism over a US‑Iran nuclear deal, and market expectations ahead of US payroll data.
Personal FinanceSupreme Court Dismisses Final Appeal in Bofors Bribery Case, Ending 40-Year Scandal
On Thursday, the Supreme Court dismissed the last appeal in the Bofors bribery case, formally concluding all legal proceedings that had spanned nearly four decades.
Personal FinanceTrader Income Tax Exemption and Filing Rules Explained
Traders are subject to the same income‑tax exemption limits as other taxpayers. Filing deadlines and audit requirements vary with business income, turnover and audit status.
Personal FinanceHow a 5-Crore Retirement Corpus Can Be Used in NPS Retirement Income Scheme
A 60‑year‑old retiree wonders if a Rs 5 crore retirement corpus can be invested in the newly launched NPS Retirement Income Scheme (RIS). The guide explains the mandatory 20 % annuity requirement, how regular payouts are calculated, and the flexibility of keeping the rest invested until age 85.
Personal FinanceSonam Wangchuk Reveals Wife’s Efforts to Get Rahul Gandhi to End Hunger Strike
Activist Sonam Wangchuk said his wife, Gitanjali Angmo, tried to persuade Rahul Gandhi to help end his 26‑day fast over alleged exam‑system irregularities, but got no response. He defended her after she criticised Congress leadership.
Personal FinanceFinance Minister Clarifies Merchant Discount Rate Applies Only to Merchants, Not UPI Users
On August 6, Finance Minister Nirmala Sitharaman clarified that the Merchant Discount Rate (MDR) will affect only merchants, not end users of UPI. She said the fee will help banks and fintech firms invest in infrastructure, innovation and security, benefiting all UPI users.
Personal FinanceWhy Paying Only the Minimum on Your Credit Card Can Cost You More Than You Think
Credit card statements show two numbers: the total due and the minimum due. Paying only the minimum avoids a missed payment but can lead to high interest, growing debt, and a higher credit‑utilisation ratio. Paying the full balance each month keeps your card a convenience, not a burden.
Personal FinanceBalancing College Fees: Savings, Loans, and a Middle Path
When a child gets an admission offer, families must decide whether to use savings or take an education loan. Mixing both options can protect long‑term finances and keep other goals on track.
Personal FinanceCheck Every Document Before Buying a House
When buying a home, buyers often focus on location and price, but ignoring paperwork can lead to costly problems later. Verify title deeds, RERA registration, approvals, encumbrances, sale agreements, and final certificates to protect your investment.
Personal FinanceLand vs Apartment: Which Property Investment Suits You?
Deciding between buying land or an apartment depends on your goals—whether you seek immediate rental income, a home to live in, or long‑term appreciation. Both options have unique benefits and costs, so choose based on your financial plan and market conditions.
Personal FinanceBuying Your First Home: Key Tips to Avoid Costly Mistakes
Buying a first home can feel exciting but often leads to hidden costs and mistakes. This guide highlights the importance of careful planning, thorough document checks, budgeting beyond the purchase price, and choosing a property that meets long‑term needs.
Personal FinanceBuilder Floors vs. Society Apartments: Which Is Right for You?
When buying a home in India, buyers often choose between a builder floor and a society apartment. This guide examines privacy, maintenance, amenities, resale value, and legal checks to help you decide which option suits your lifestyle and future plans.
Personal FinanceUnion Bank Ordered to Refund Rs10,000 After ATM Failure, Plus Rs5,000 Compensation
Kozhikode consumer forum orders Union Bank to refund Rs10,000 to a customer whose ATM withdrawal failed, and pay Rs5,000 compensation for distress.
Personal FinanceLok Sabha Passes Tax Bill to Simplify Dividend Taxation for Business Trusts
The Lok Sabha approved the Taxation and Other Laws (Amendment) Bill, 2026, which amends key tax acts and removes a dividend tax restriction for REITs and InvITs, while adding a surcharge on SPVs to keep revenue neutral.
Personal FinanceUPI May Face Merchant Fees After Bill 2026 Allows MDR
India’s new Taxation and Other Laws (Amendment) Bill 2026 gives the government the power to impose a merchant discount rate on UPI payments. While consumers may not see immediate charges, the move could bring fees to merchants, aiming to sustain the digital payment ecosystem.
Personal FinanceHSBC Offers 25‑50% Bonus on Accor Points, But Conditions Must Be Met
HSBC’s limited‑time promotion lets eligible cardholders earn 25% to 50% extra ALL Accor Reward Points when converting HSBC points, but registration, spending and transfer deadlines are strict.
Personal FinanceAI Spending Soars, But Investors Should Ask Four Key Questions
US AI investment jumped from $33bn in 2022 to $862bn this year, while Nvidia’s data‑centre sales are set to rise from $15bn to $394bn. DSP’s NETRA report warns investors to look beyond hype and ask four crucial questions before joining the AI rally.
Personal FinanceWhy Checking Your Credit Report Once a Year Is Essential
Checking your credit report annually helps spot errors before major loans, allowing you to correct them without harming your score. It keeps your financial record accurate and ready when you need credit.
Personal FinanceNPS Exit Rules Updated: 80% Lump Sum Now Allowed, but Tax Rules Lag Behind
The PFRDA has increased the permissible lump‑sum withdrawal from 60% to 80% of the NPS corpus, but the Income Tax Act still exempts only 60%. Retirees risk higher taxes if they take the full 80% at once.
Personal FinanceHow to Withdraw Your Retirement Corpus: Lump Sum or Gradual Plan?
Choosing how to access retirement savings is crucial. A lump sum can clear debts, while systematic withdrawals provide steady income. Find the right balance for long‑term security.
Personal FinanceCan You Keep Investing in NPS After Retirement?
Retirement today often means staying active. NPS subscribers can continue investing after the normal exit age if PFRDA conditions are met, but whether it’s wise depends on your income and liquidity needs.
Personal FinanceLIC OFS Shares: How FIFO Rule Affects Your Tax on IPO, Bonus, and New Shares
The government’s recent Offer for Sale (OFS) of Life Insurance Corporation of India (LIC) shares lets investors buy more stock, but tax rules are strict. Investors holding IPO, bonus, and OFS shares must understand the First‑In, First‑Out (FIFO) rule that sets cost basis and capital gains.
Personal FinanceIndia Approves Polymer Trial for Rs 10 and Rs 20 Notes
The government has cleared RBI’s plan to test plastic polymer notes for the Rs 10 and Rs 20 denominations, but will not replace existing paper currency. The trial will involve one billion notes of each denomination and will be rolled out gradually after security checks.
Personal FinanceArdee Industries IPO Sees Over 14× Subscription on Day Two, Strong Demand from Retail and NII Investors
Ardee Industries' IPO, priced at ₹50‑53 per share, attracted more than 14 times subscription on its second day, with retail investors buying 14.32× and non‑institutional investors 30.55×. The offer includes a fresh issue and an OFS, raising ₹525.90 crore.
Personal FinanceMV Electrosystems IPO Debuts with 22% Premium; Investors Eye Profit Amid Weak FY26 Results
Mumbai‑based MV Electrosystems listed its shares at Rs 520 on the NSE and Rs 519 on the BSE, achieving a 22% premium. The 188‑fold subscription and Rs 290 crore issue size reflected strong investor demand, though the company faces a 21% revenue drop and Rs 12.6 crore loss in FY26.
Personal FinanceInflation Drains Retirement Savings: Why a Crore Goal Is Insufficient
Most Indians assume a crore or two will cover retirement, but rising costs and longer life mean the target is far higher. Experts stress early planning and realistic assumptions to secure a comfortable future.
Personal FinanceIndia Doubles LIC Share Sale, Raises $3.3 Billion in Record Secondary Offering
The Indian government unexpectedly increased its sale of Life Insurance Corporation shares, raising $3.3 billion in the largest secondary offering on a stock exchange. The move was kept secret until the last moment, with no advisory fees and a fully subscribed base portion, boosting LIC’s public shareholding to 10%.
Personal FinanceNifty's 103‑Day Stalemate: Why Patience May Pay Off
The Nifty has traded below its 200‑day moving average for 103 days, the ninth longest stretch since the index began. DSP’s NETRA report says long consolidations historically lead to better long‑term returns, suggesting that investors should stay the course rather than pull out during sideways markets.
Personal FinanceICICI Lombard Launches Motor Sahayak: One‑Stop Legal and Emergency Support for Car Owners
ICICI Lombard introduces Motor Sahayak, a comprehensive service that offers instant emergency assistance, legal guidance, and paperwork help after a car accident. Designed for new drivers, it aims to simplify post‑crash procedures and turn insurance into a full‑service partner.
Personal FinanceSupreme Court Extends Mandatory Third-Party Insurance Tenure for New Cars and Two-Wheelers to 4 and 6 Years
India’s Supreme Court has increased the required duration of third‑party insurance for newly purchased vehicles. Cars must now have four years of coverage, and two‑wheelers six years, aiming to reduce uninsured vehicles and improve compensation for accident victims.
Personal FinanceSupreme Court Proposes Fuel Refusal for Uninsured Vehicles
The Supreme Court has suggested that petrol pumps could automatically deny fuel to vehicles without valid insurance. The proposal, backed by the Ministry of Petroleum, links pump systems and ANPR cameras to insurance databases to enforce compliance and promote timely renewals.
Personal FinanceNifty’s Slow Pace Signals Long‑Term Investors to Re‑evaluate Portfolios
After months of sideways movement, DSP’s latest NETRA report shows that Nifty valuations are easing, large‑cap stocks look more attractive, and long‑term consolidation often precedes healthy returns—key points for patient investors.
Personal FinanceIndian NRIs Need a Single Status Certificate to Marry Abroad
Indian citizens and NRIs must secure a Single Status Certificate (or Bachelorhood Certificate) to prove they are legally free to marry overseas. The document is a sworn affidavit that must be notarised, state‑attested, and apostilled before foreign registrars accept it.
Personal FinanceEPF Officers’ Association Urges Labour Minister to Fix CITES System Delays
The EPF Officers’ Association has written to the Labour & Employment Minister, complaining that the new Centralised IT Enabled System (CITES) is not meeting its 2‑3 day claim settlement goal. The body cites IT shortages, delayed implementation and a backlog of more than 20 days for many claims.
Personal FinanceRBI Holds Repo Rate at 5.25%, Bond Investors Advised to Focus on Accrual Strategies
The Reserve Bank of India kept its repo rate at 5.25%, signaling no immediate hike. Edelweiss Mutual Fund urges bond investors to adopt high‑quality accrual strategies and avoid aggressive duration bets, citing improved growth and inflation outlooks and a supportive short‑to‑medium yield curve.
Personal FinanceREITs Tax Rules: What Investors Need to Know for Income and Capital Gains
Real Estate Investment Trusts (REITs) offer income and growth, but their tax treatment is complex. Investors must understand how distributions, dividends, and capital gains are taxed to file accurate returns.
Personal FinanceCalcutta High Court Rules Fixed Deposit Cannot Replace Child Maintenance After Divorce
In a landmark decision, the Calcutta High Court held that long‑term investments in a child’s name, such as fixed deposits, cannot substitute for regular monthly maintenance. The ruling clarified how maintenance should be determined and reaffirmed parents’ shared responsibility.
Personal FinanceCentral Govt Likely to Raise Dearness Allowance by 3‑4% After June 2026 CPI Rise
The Ministry of Labour released the June 2026 All‑India Consumer Price Index for Industrial Workers at 151.9, up 1.1 point. This signals a 3‑4% increase in dearness allowance for central employees in July‑December 2026, pending rounding decisions.
Personal FinanceIncome Tax Dept Launches Excel Utility for ITR-6 AY 2026-27
The Income Tax Department has released an Excel-based tool for companies to prepare ITR-6 for AY 2026-27. It is available on the e‑Filing portal and helps firms validate returns offline before submission.
Personal FinanceCredit Utilisation Matters More Than a Big Card Limit
A high credit limit can look good, but if you keep a large balance, your credit score may suffer. Understanding and managing credit utilisation helps keep your profile healthy and improves your chances of getting loans.
Personal FinanceHow Much Cash Should You Keep at Home? A Practical Guide
Many families keep cash at home, but the right amount varies. This guide helps you calculate a short‑term emergency buffer and explains why a larger reserve should be held in safer, liquid assets.
Personal FinanceParag Parikh Conservative Hybrid Fund Leads 3-Year Return Chart Among Large-Scale Hybrid Funds
The Parag Parikh Conservative Hybrid Fund tops the three‑year CAGR ranking for conservative hybrid funds, beating ICICI Pru and SBI funds. It also outperforms its benchmark across multiple time frames, while UTI leads short‑term returns.
Personal FinanceSBI Healthcare Opp Fund Leads Pharma & Healthcare Mutual Funds on Three‑Year Returns
SBI Healthcare Opp Fund tops pharma and healthcare sector funds with a 23.2% CAGR over three years, outperforming ICICI Pru, Mirae, and others. The fund also beats its benchmark across multiple time frames, while Nippon India Pharma holds the largest corpus among top performers.
Personal FinanceKotak Equity Savings Fund Leads One-Month Return Chart Among Large Equity‑Savings Funds
In the latest one‑month performance, Kotak Equity Savings Fund tops the list with a 1.1% return, closely followed by HDFC and ICICI Pru. The rankings focus on funds with assets above ₹1,500 crore, highlighting the strong performance of large‑scale schemes.
Personal FinanceAxis Silver ETF Leads Six‑Month Silver ETF Rankings, Outperforms Benchmark
Axis Silver ETF tops the silver ETF chart with a 6‑month loss of 22.4%, beating rivals and its benchmark. Aditya Birla and HDFC trail closely, while ICICI Pru Silver ETF excels over three years.
Personal FinanceUTI Nifty 50 Index Fund Leads Indian Nifty Index Mutual Funds with 9.0% CAGR
UTI’s Nifty 50 Index Fund tops the category with a 9.0% three‑year CAGR, beating rivals like Navi and HDFC, each at 8.9%. With assets over ₹29,600 crore, it remains the largest fund meeting the ₹1,500 crore threshold. Benchmark comparisons show a slight lag but strong short‑term performance.
Personal FinanceQuant Value Fund Leads 3‑Year Returns Among Top Value Mutual Funds
According to ACE MF data released on Aug 4, Quant Value Fund topped the three‑year CAGR list among value funds with assets above ₹1,500 cr, beating Axis and HSBC by 2.3 pp and 2.8 pp respectively.
Personal FinanceICICI Pru Corp Bond Fund Tops Corporate Bond Funds with 7.5% 3‑Year CAGR
ICICI Pru Corp Bond Fund leads the corporate‑bond mutual fund category with a 7.5% three‑year CAGR, outperforming rivals and its benchmark. The fund also shows strong one‑year performance and holds the largest assets among top performers.
Personal FinanceFranklin India Tops Money‑Market Fund Rankings; UTI Leads on Longer Horizons
As of August 4, Franklin India Money Market Fund leads the one‑month returns at 0.5%, matching UTI and Tata. However, UTI dominates six‑month, one‑year, and three‑year charts, while Aditya Birla SL tops six‑month. Investors should compare multiple periods for a complete view.
Personal FinanceHSBC Midcap Fund Leads 1‑Year CAGR Among Top Mid‑Cap Funds
In the latest ACE MF data, HSBC Midcap Fund tops the one‑year CAGR chart at 19.3%, followed by WOC and ICICI Pru. Benchmarks show a strong outperformance, while shorter windows shift the leader.
Personal FinanceBandhan Gilt Fund Leads Short & Mid-Term Gilt Mutual Funds on One-Year CAGR
According to ACE MF data, Bandhan Gilt Fund tops the short and mid-term gilt category with a 5.7% one‑year CAGR, followed by ICICI Pru Gilt Fund and SBI Gilt Fund. The analysis focuses on funds with assets above Rs 1,500 crore and highlights benchmark outperformance.
Personal FinanceUTI ULIP Tops Dynamic Asset Allocation Funds on Six-Month Returns
UTI ULIP leads dynamic asset allocation mutual funds with a 4.0% six‑month return, beating Edelweiss and DSP. The fund also outperforms its benchmark over one year but lags over three years. Rankings vary with time frames.
Personal FinanceSBI CRISIL IBX Gilt Index Tops Debt‑Oriented Index Funds With 7.7% CAGR
The SBI CRISIL IBX Gilt Index – June 2036 Fund leads the debt‑oriented index mutual fund category with a 7.7% three‑year CAGR, surpassing Kotak Nifty SDL Apr 2032 and SBI CRISIL IBX Gilt Apr 2029, according to ACE MF data released on August 4.
Personal FinanceAxis Overnight Fund Tops One-Month Return Chart Among Overnight Funds
Axis Overnight Fund leads the one‑month return chart with 0.4%, matching its benchmark and outperforming peers. Other top funds include UTI and Nippon India, both also at 0.4%. Long‑term performance keeps Axis ahead across 6‑month, 1‑year and 3‑year periods.
Personal FinanceHDFC Defence Fund Tops One-Year Return Among Thematic Mutual Funds
In the latest ACE MF data (Aug 4), HDFC Defence Fund leads thematic funds with a 27.4% one‑year CAGR, outpacing ICICI Pru and Kotak funds. The fund also outperformed its benchmark and holds the largest corpus among the top five.
Personal FinanceQuant Multi Cap Leads Six‑Month Return Rankings Among Large Multi‑Cap Funds
Quant Multi Cap Fund tops six‑month returns at 11.5%, outpacing Mahindra Manulife and Axis Multicap. Rankings cover funds with assets above ₹1,500 crore, with ICICI Pru Multicap holding the largest corpus. Performance varies across short‑ and long‑term windows.
Personal FinanceICICI Pru Arbitrage Fund Leads Top 5 with 1.9% 3‑Month Return
ICICI Pru Arbitrage Fund tops the arbitrage mutual fund category with a 1.9% return over three months, according to ACE MF data released on August 4. The fund also has the largest corpus among the top five and outperforms peers on shorter time frames, though it trails its benchmark.
Personal FinanceUTI Flexi Cap Fund Tops One-Month Return Chart in Flexi-Cap Category
In the latest ACE MF data released on August 4, UTI Flexi Cap Fund leads the one‑month returns among flexi‑cap mutual funds, earning 6.0%. Motilal Oswal and ICICI Pru Flexicap follow closely, while other funds show varied performance across longer timeframes.
Personal FinanceGold and Silver Rise as US‑Iran Talks and Labour Data Loom
Gold edged up 0.47% to $4,109.90/oz on Comex, while silver jumped 1.84% to $58.92/oz. Investors weigh possible US‑Iran talks and upcoming US labour reports that could influence the Fed’s next rate move.
Personal FinanceParliament Heats Up: Tax Bill, Ram Mandir Protest, and NDA Meetings Amid Monsoon Session
The Monsoon Session sees heated debates as Finance Minister Nirmala Sitharaman introduced a major tax amendment bill. Opposition MPs protest alleged Ram Mandir donation fraud, while Congress pushes for an anti-defection law. Meanwhile, NDA leaders Amit Shah and PM Narendra Modi attend the weekly parliamentary meeting.
Personal FinanceHow Freelancers Pay Tax in India: What You Need to Know
Freelancers in India face a different tax framework than salaried workers. While they cannot claim a standard deduction, they can deduct actual business expenses before computing tax. This guide explains the key differences, deductions, and filing requirements.
Personal FinanceWhen Was the Last Time You Reviewed Your Health Insurance Sum Insured?
Many people assume their original coverage still meets their needs, but rising medical costs and life changes can make a policy insufficient. Regular reviews before renewal help ensure adequate protection.
Personal FinanceWhy an Annual Review of Your Financial Plan Matters
Even a solid financial plan can become outdated as income, expenses, and goals change. A yearly review helps ensure your savings, investments, insurance, and debt align with your current priorities and risk tolerance, keeping your plan on track.
Personal FinanceSmart Ways to Use Your Annual Bonus
When you receive a bonus, it can feel like extra cash, but how you use it matters. Experts suggest first paying off high‑interest debt, then building an emergency fund, and finally investing wisely. A balanced approach can improve your long‑term finances.
Personal FinanceIndia's REITs: A Growing Investment Avenue in Real Estate
India’s real estate sector contributes 13% to GDP and is turning to Real Estate Investment Trusts (REITs) to meet capital demands. REITs offer high‑value properties, attractive yields and tax‑efficient returns, while a new index fund seeks to broaden retail exposure.
Personal FinanceHow to Manage Your EPF After Retirement: Options and Tips
When you retire, your EPF can become a major part of your savings. But should you withdraw it all at once, keep it earning interest, or take a gradual approach? This guide explains your choices and how to plan for a comfortable retirement.
Personal FinanceCan You Re‑negotiate Your Home Loan Interest Rate? Here’s How
Many homeowners assume their home loan interest stays fixed after approval, but that isn’t always true. By checking rates, maintaining a good repayment record, and speaking to your lender, you can often secure a lower rate or switch banks for better terms. A small drop can save thousands over time.
Personal FinanceRBI's USD‑Rupee Swap Boosts FCNR(B) Deposits by 86% in June–July 2026
RBI introduced a US dollar‑rupee swap facility in June 2026, sparking an 86% jump in foreign currency non‑resident bank deposits. The move, aimed at strengthening balance of payments and easing rupee pressure, saw major banks like SBI lead the surge.
Personal FinanceIndia Faces $1.5 Trillion Wealth Transfer, But Succession Plans Lag
India is set to transfer $1.5 trillion of wealth across generations in the next decade. Yet 36% of family businesses lack clear succession plans, and only 15% have documented frameworks. The article explores why heirs often lose wealth and how integrated governance, architecture, and liquidity planning can bridge the gap.
Personal FinanceEPFO Launches Service History Tool to Track All PF Accounts
The new Service History feature lets members view every employer linked to their UAN, spot missing records, and correct them before PF withdrawals or transfers.
Personal FinanceReview Your Insurance Portfolio: Avoid Overpaying and Undercovering
Regularly reviewing insurance plans helps you avoid unnecessary overlap and ensures you have adequate protection for your changing life circumstances. By listing all policies, assessing coverage needs, and focusing on essential riders, you can cut costs and secure the right protection for your family.
Personal FinanceDoes Paying Off a Personal Loan Early Boost Your CIBIL Score?
Paying off a personal loan early can reduce interest and monthly burden, but its effect on your CIBIL score is not automatic. While a clean repayment lowers debt and improves payment history, the score may not jump instantly. Here’s how early closure impacts credit and what to watch for.
Personal FinancePlan Your Health Insurance Before Switching Jobs
When you change jobs, many focus on salary and role, but health coverage often slips through the cracks. This guide explains why buying personal health insurance early, understanding group policy terms, and timing your new policy can keep you and your family protected without gaps.
Personal FinanceMaruti Suzuki Shares Dip 2% After Q1 Profit Decline, Analysts Stay Optimistic
Maruti Suzuki India shares fell about 2% in early trading on Monday after reporting a 10.8% drop in Q1 net profit. Despite margin pressure from higher commodity costs, brokers see a recovery as demand stays strong.
Personal FinanceBitcoin Trades Near $63,800 Amid US‑Iran Tensions, Eyes $65,000 Target
Bitcoin rose to just above $63,627 on August 3, then settled near $62,828, down 0.95% in 24 hours and 3.67% in a week. Traders remain cautious due to US‑Iran tensions and a weak August outlook.
Personal FinanceManipal Health IPO Allotment Finalised Today; Shares to List Aug 5
The allotment of Manipal Health Enterprises’ IPO will be finalized on Aug 3 after strong investor demand. The 9,275‑crore issue, priced at ₹560‑590, was subscribed 4.92×, with a listing expected on Aug 5.
Personal FinanceHDFC and ICICI Raise FCNR(B) Rates to 6.25% for Longer Tenures
From 1 August 2026, HDFC Bank and ICICI Bank will offer 6.25% on US dollar FCNR(B) deposits of 3‑5 years, up from 6%. The change follows RBI’s swap facility that attracted $36.73 bn in new deposits.
Personal FinanceITC Shares Rise 3% Amid Outlook of Cigarette Business Recovery
ITC Ltd. shares jumped nearly 3% in early trading after a weaker‑than‑expected Q1 earnings report, as investors focus on a gradual rebound in its cigarette segment.
Personal FinanceRupee Gains 24 Paise to Rs 95.14 as Brent Prices Drop, RBI Continues Dollar Sales
On Aug 3, the rupee edged up to Rs 95.14 per dollar, buoyed by a 5% fall in Brent crude and RBI dollar sales. Traders see a support zone at Rs 95.20‑95.40 and possible move toward Rs 96.00‑96.50.
Personal FinanceCan Gifting a Joint Property Share Avoid Notional Rent Tax on Multiple Self‑Occupied Houses?
In India, owning more than two self‑occupied homes can trigger tax on notional rent. This article explains how gifting a share to a daughter might help avoid that tax.
Personal FinanceGold and Silver Prices Edge Up as Markets Await Fed Rate Outlook – August 3, 2024
On August 3, international gold slipped 0.16% to $4,113.60 an ounce, while silver rose 0.78% to $58.23. In India, spot gold closed at ₹142,295 per 10 g, and futures saw modest gains. Prices vary by karat and city.
Personal FinanceCJP Founder Dipke Clarifies US Education Funding, Party Finances Amid RTI Scrutiny
Abhijeet Dipke, founder of the Cockroach Janta Party, explained that his Boston University studies were financed by a Dean’s Scholarship and an education loan. He also addressed questions about the party’s crowdfunding plans and the recent Jantar Mantar protests, while an RTI activist probes the finances of his father and the party’s legal defence fund.
Personal FinanceOpposition MPs Protest Ram Mandir Donation Case; Parliament Sessions Adjourned
During the Monsoon session, opposition leaders, including Priyanka Gandhi Vadra, staged protests over alleged Ram Mandir donation embezzlement. Both Rajya Sabha and Lok Sabha were adjourned, and a floor‑leader meeting is underway to strategise future moves.
Personal FinanceWhen to Reassess Your Health Insurance Coverage
Many people review health insurance only at purchase. Rising costs and life changes can make the original sum insured insufficient. This guide explains why and how to reassess before renewal.
Personal FinanceShould You Convert Your Credit Card Bill into an EMI?
Turning a large credit card bill into an EMI can make payments easier, but it also brings extra costs. Knowing the total cost, fees, and how it affects your credit limit is essential before you decide.
Personal FinanceDouble UPI Debit? Steps to Resolve Duplicate Payments
If a QR scan shows a payment twice, it can panic. First check the transaction log, then follow bank or merchant steps to reverse the duplicate. Keep screenshots and IDs handy for a quick resolution.
Personal FinanceMap Your Money to Every Goal
Planning multiple financial goals can feel chaotic. By listing each target, estimating future costs, and matching investments to the time horizon, you can allocate your income wisely and avoid surprises.
Personal FinanceReady‑to‑Move vs. Under‑Construction Homes: Which Is Smarter for Your Budget?
Choosing between a ready‑to‑move house and an under‑construction property depends on your timing, risk tolerance and budget. This guide explains the pros, cons, legal safeguards, and hidden costs of each option to help you decide.
Personal FinanceWhat Your Car Insurance Covers When Floods Strike
Floods can damage cars and claims depend on the type of policy. Third‑party cover won’t pay for your vehicle’s loss, but comprehensive plans and optional engine protection can help. Follow quick steps after a flood to avoid claim disputes.
Personal FinanceShould You Extend Your PPF After 15 Years? Options and Tips
After 15 years, a Public Provident Fund (PPF) matures and holders face a choice: withdraw, keep it active with fresh deposits, or let it earn interest without new contributions. Understanding the extension rules, interest rates and personal goals helps decide the best path.
Personal FinanceULIP Withdrawals After 5-Year Lock-In: Tax Rules and Exemptions Explained
When you finish a ULIP’s five‑year lock‑in, the money you receive isn’t automatically tax‑free. The tax treatment depends on whether the plan qualifies for Section 10(10D) exemption, the premium size, and when the policy was issued. Here’s what you need to know before filing your ITR.
Personal FinanceWhy Many Life‑Insurance Policies Are Not Renewed
Millions of life‑insurance policies are sold in India each year, yet a growing number are not renewed. The trend raises questions about how customers perceive the value of their policies over time and what insurers can do to keep them engaged.
Personal FinanceGold ETFs Surge in India’s Q2 2026, Doubling Investments Amid Rising Prices
In the April‑June 2026 quarter, India’s gold ETF investments more than doubled, reaching Rs 6,300 crore, while overall gold demand fell 6 %. The surge reflects a shift toward paper gold as a safer, cost‑effective alternative during record‑high prices and market volatility.
Personal FinanceWhy Indian Parents Should Save in Dollars for Overseas Education
Indian families often save in rupees for their children’s foreign tuition, but currency mismatch can erode the amount needed. By investing in U.S. dollars through the RBI’s LRS, parents can protect against rupee depreciation and tuition inflation, ensuring they have enough when the time comes.
Personal FinanceIndia’s FY25 Insurance Growth Hits Record, but Customer Complaints Rise 41%
India’s insurance market expanded in FY25 with rising premiums and digital sales, yet customer complaints jumped 41% year‑on‑year, largely due to claims. CEO Animesh Das of ACKO General Insurance explains how a direct‑to‑customer model can improve experience and reduce costs, citing high claim settlement rates and new services.
Personal FinanceRiders vs Add‑Ons: Know the Difference When Buying Insurance
When buying insurance, riders and add‑ons sound similar but serve different purposes. Riders usually enhance life policies, while add‑ons extend coverage in health, motor and travel plans. Understanding the distinction helps you choose wisely.
Personal FinanceChoosing the Right Investing App: A Practical Guide for Indian Investors
Investing from a smartphone is now effortless, but picking the best app matters. This guide explains how to evaluate fees, usability, support, and regulatory compliance before you sign up.
Personal FinanceStarting Retirement SIP at 30 Cuts Monthly Burden by 70k
Investing early for retirement can reduce monthly SIP by up to ₹70,000. A 10‑year delay pushes required contributions from ₹28,329 to ₹1,00,085 for a ₹10 crore corpus by 60.
Personal FinanceJuly 31 ITR Deadline: Common Mistakes Taxpayers Must Avoid
Taxpayers have until July 31 to file returns for AY 2026-27. Small errors can delay refunds or trigger notices. Experts advise double-checking income, deductions, forms, e‑verification, and bank details.
Personal FinanceGold‑Silver Ratio Hits 70 as Silver Remains Cheap, Analysts Say
The gold‑silver ratio climbed to 70.34 on July 29, 2026, as gold trades near $4,080 an ounce and silver around $58. Analysts say silver is still undervalued and could rise if demand strengthens, while gold remains the safer choice for conservative investors.
Personal FinanceNPS Tier I Common Schemes Deliver Mixed Returns Across Fund Managers
As of July 29, 2026, NPS Tier I common schemes show varied performance. Equity returns reach 3.25% in one year and 12.44% in five years, while debt and corporate bond returns stay lower but steady.
Personal FinanceOdisha Launches Free Mutual‑Fund Courses to Boost Small‑City Investments
Odisha is offering free mutual‑fund certification courses in colleges to encourage retail investing, especially in Tier‑II cities. Data shows cities like Cuttack and Bhubaneswar are growing their mutual‑fund shares, while larger metros still dominate.
Personal FinanceBandhan Gilt Fund Tops Short & Mid‑Term Gilt Mutual Fund Rankings
Bandhan Gilt Fund leads the short and mid‑term gilt mutual funds with a 7.5% CAGR over three years, beating rivals like ICICI Pru and HDFC. The fund also outperforms its benchmark across multiple time frames, making it a popular choice for conservative investors.
Personal FinanceUTI ULIP Leads Dynamic Asset Allocation Funds on One‑Month Return
ACE MF data shows UTI ULIP topping the dynamic asset allocation category with a 2.8% gain over one month, followed by Edelweiss and Sundaram Balanced Advantage funds. The rankings include only schemes with assets above ₹1,500 crore.
Personal FinanceSBI CRISIL IBX Gilt Index June 2036 Fund Tops Three‑Month Returns Among Debt Index Funds
In a July 29 ACE MF ranking, SBI CRISIL IBX Gilt Index – June 2036 led three‑month returns with 3.3%, beating Kotak Nifty SDL Apr 2032 and SBI CRISIL IBX Gilt April 2029.
Personal FinanceUTI Nifty 50 Index Fund Leads 3‑Year Returns in Nifty Index Fund Category
UTI’s Nifty 50 Index Fund tops the category with an 8.2% CAGR over three years, beating rivals Navi and HDFC. Its large corpus and steady performance make it a preferred choice for investors.
Personal FinanceHDFC Defence Fund Leads Thematic Mutual Funds with 37.9% 3‑Year CAGR
In a July 29 ACE MF ranking, HDFC Defence Fund tops thematic funds with a 37.9% three‑year CAGR, beating SBI PSU and ICICI Pru Transportation. It also holds the largest corpus among the top five schemes.
Personal FinanceHSBC Arbitrage Fund Tops Six‑Month Returns Among Top Indian Arbitrage Funds
In a July 29 ACE MF ranking, HSBC Arbitrage Fund led six‑month returns at 3.0%, matching Kotak and ICICI Pru. Kotak holds the largest corpus among the top five, while benchmark performance varies across one‑ and three‑year horizons.
Personal FinanceQuant Flexi Cap Fund Leads One-Year Return List of Flexi-Cap Funds
Over the past year, Quant Flexi Cap Fund topped the flexi-cap category with an 11.0% CAGR, outpacing peers such as Bank of India and Aditya Birla SL. Benchmarks lagged, and fund rankings vary across different time frames.
Personal FinanceTata India Consumer Fund Tops Consumption Sector Funds with 12.6% Six‑Month Gain
For the last six months, Tata India Consumer Fund led the consumption‑sector mutual funds with a 12.6% return, followed by Mirae Asset Great Consumer Fund (8.0%) and Nippon India Consumption Fund (7.2%).
Personal FinanceAditya Birla SL Digital India Fund Tops 3-Month Tech Fund Returns
In July 2024, Aditya Birla SL Digital India Fund led the top five tech sector mutual funds with an 8.6% return over three months, matching Tata Digital India Fund. The report highlights performance gaps and benchmark comparisons across leading tech funds.
Personal FinanceInvesco India Financial Services Fund Tops Banks & Financial Services Sector Funds with 17.1% 3‑Year CAGR
Across funds with assets above Rs 1,500 crore, Invesco leads the sector with a 17.1% CAGR over three years, outpacing SBI and Sundaram. The fund also beats its benchmark by over 8 points and shows strong short‑term performance.
Personal FinanceICICI Pru Short Term Fund Leads Short‑Duration Mutual Fund Rankings in 2024
ACE MF data released on July 29 shows ICICI Pru Short Term Fund topping the short‑duration category with a 5.7% one‑year CAGR, ahead of Axis and HDFC at 5.5% each. The fund also outperformed its benchmark and holds the largest corpus among the top performers.
Personal FinanceUTI Gold ETF Leads Six-Month Gold ETF Returns, But Falls Behind Benchmark
In the latest six‑month performance snapshot, UTI Gold ETF tops the gold ETF category with a -18.3% return, followed by Mirae Asset and DSP. Despite leading the short‑term chart, the ETF lags behind its benchmark by 33.4 percentage points. Other top funds show varied results over different timeframes.
Personal FinanceInvesco India ELSS Tax Saver Fund Leads Three‑Month Return Chart
ACE MF data shows Invesco India ELSS Tax Saver Fund topping the three‑month returns at 6.9 %, followed by Quant and HSBC. The ranking includes only funds with assets above ₹1,500 crore and highlights benchmark outperformance.
Personal FinanceInvesco India Leads Large‑Mid Cap Fund Rankings with 23.4% Three‑Year CAGR
Invesco India Large & Mid Cap Fund tops the large‑mid‑cap category, posting a 23.4% CAGR over three years. Motilal Oswal and Bandhan follow, while ICICI Pru holds the largest corpus among the top five funds.
Personal FinanceICICI Pru All Seasons Bond Fund Tops Dynamic Bond Category with 7.2% CAGR
ICICI Pru All Seasons Bond Fund leads dynamic‑bond funds with a 7.2% three‑year CAGR, beating rivals Nippon India and Kotak. The fund’s Rs 13.5 cr corpus outperforms others and it outpaces its benchmark by 0.4% over three years.
Personal FinanceMotilal Oswal Nasdaq 100 FOF Tops Overseas Fund-of-Funds Ranking with 53.6% CAGR
According to ACE MF data released on July 29, the Motilal Oswal Nasdaq 100 FOF leads the overseas fund-of-funds category with an impressive one‑year CAGR of 53.6%. It outpaces other top funds such as Kotak Global Emerging Market and Edelweiss Greater China, while maintaining a large asset base.
Personal FinanceUTI Floater Fund Tops One‑Month Floating‑Rate Fund Returns, While ICICI Pru Leads on Longer Terms
On July 29, ACE MF data shows UTI Floater Fund leading the floating‑rate category with a 0.5% one‑month gain, while ICICI Pru dominates six‑month and one‑year periods. Aditya Birla SL and Kotak follow closely, and long‑term performance varies across funds.
Personal FinanceSBI Banking Fund Leads PSU Debt Fund Rankings, Axis and Kotak Close Behind
SBI Banking and PSU Fund tops the one‑month performance of large‑asset debt funds, edging out Axis and Kotak. Over longer periods, Kotak often leads, while SBI remains ahead of its benchmark. Rankings shift with each time horizon.
Personal FinanceQuant Multi Asset Allocation Fund Leads 3-Year CAGR Rankings Among Top Indian Funds
Among Indian multi‑asset funds with assets above Rs 1,500 crore, Quant Multi Asset Allocation Fund tops the three‑year CAGR chart at 21.0%, beating Nippon India and UTI. It also outperforms its benchmark by 13.8 points over three years. The report highlights that short‑term leaders can differ from long‑term performers.
Personal FinanceIndo-MIM IPO Debuts with 44% Premium, Investors Eye Long-Term Growth
Indo-MIM listed on NSE and BSE at a 44% premium, surpassing grey market expectations. The Bengaluru‑based metal‑injection moulding leader attracts investor interest for its scalable growth amid a rising global market.
Personal FinanceDelhi Protest: Student Injured, Claims of Pellet Use Spark Legal Action
A student injured during a July 20 protest in Delhi is at the centre of a legal case over alleged pellet use by security forces. Doctors removed metallic objects from his body, fueling claims of excessive force.
Personal FinanceAdani Ports Shares Dip Again as Brokers Stay Bullish Despite June‑Quarter Loss
On July 30, Adani Ports & SEZ shares fell for the second day, trading at ₹1,692.5, yet analysts keep a buy stance, citing strong core port business and future growth prospects.
Personal FinanceSIP Units Treated Separately for Capital Gains Tax: How to Compute Long‑Term Gains
Each SIP instalment is a separate investment for tax. Tax on redeemed units depends on how long each instalment’s units were held, not the SIP start date. Here’s how to calculate long‑term gains and file returns.
Personal FinanceBank Safe Deposit Lockers: 40 Theft Cases Reported, Govt Highlights Compensation Limits
Customers rent bank lockers for safety, paying Rs 1,000‑8,000 yearly. Over five years, 40 theft incidents were logged in public sector banks. The government clarified compensation limits and RBI compliance measures.
Personal FinanceTax on Short‑Term Gains from Debt Mutual Funds in AY 2026‑27
A taxpayer inquires about the tax treatment of short‑term capital gains from debt funds under the new tax regime for AY 2026‑27. The answer explains how the investment date, debt ratio, and holding period determine the applicable rate and the eligibility for the Section 87A rebate.
Personal Finance5 Common Mistakes When Redeeming Credit Card Reward Points
While many spend time choosing a credit card, the real benefit comes when you redeem rewards wisely. Experts warn against common pitfalls such as early point transfers, ignoring extra costs, and assuming cashbacks are best. Follow these tips to maximize value on your next holiday.
Personal FinanceFree Credit Score Access: How Indian Consumers Can Monitor Their Financial Health
Checking your credit score is a simple way to gauge your financial health. Indian consumers can now access free reports from RBI‑licensed bureaus and fintech apps like Paisabazaar, helping them understand lenders’ views and improve creditworthiness.
Personal FinanceHow to Claim Unclaimed Life Insurance Money in India
Many life insurance payouts remain unclaimed because policyholders forget old policies or family members are unaware of their existence. This guide explains how to locate unclaimed funds, verify the insurer, gather required documents, and navigate the claim process, ensuring rightful beneficiaries receive their money.
Personal FinanceChoosing Between Term Life Insurance and Traditional Policies: Which Is Right for You
Deciding between a term plan and a traditional life insurance policy hinges on your financial goals. Term insurance offers pure coverage at lower premiums, while traditional policies combine protection with savings or investment options.
Personal FinanceHow Much Term Insurance Do You Really Need? A Simple Guide for Indian Families
Term insurance protects your family's future, but choosing the right amount and timing can be tricky. This guide explains how to calculate coverage, when to buy, and how long to keep it.
Personal FinanceGrowing Wealth: Why Incremental SIP Increases Beat Fund‑Hopping
Instead of chasing the best‑performing mutual fund, steadily raising your Systematic Investment Plan (SIP) with each salary hike can grow your corpus faster. A modest 5‑10% yearly bump keeps your investments aligned with rising earnings and curbs lifestyle inflation.
Personal FinanceAdd Engine Protection, Roadside Assistance & More Before Monsoon to Save on Repairs
Monsoon rains can cause costly vehicle damage. Adding engine protection, roadside assistance, zero depreciation, consumables and return‑to‑invoice covers to your comprehensive policy can save you thousands and keep you safe on wet roads.
Personal FinanceHUL Shares Rise 2% Amid Broker Confidence Despite Mixed Q3 Results
Shares of Hindustan Unilever Ltd jumped 2% in early trade after brokerages praised its long‑term growth strategy, even though the company posted a 3% drop in net profit for the June quarter. Analysts highlighted improving volume, attractive valuations and a bullish target price.
Personal FinancePatience Turns SIPs into Rapid Wealth Growth
Investing ₹30,000 every month can take over eight years to reach ₹50 lakh, but after that the portfolio grows faster as compounding takes over.
Personal FinanceGold Prices Dip Slightly on July 28 as US‑Iran Tensions Rise
On July 28, global gold fell 0.09% to $4,035.20 per ounce amid rising US‑Iran conflict, while silver rose 1.12% to $58.17 per ounce. Indian spot gold closed at ₹1,41,623 per 10 g, with futures slightly lower. Markets await the Fed’s policy decision.
Personal FinanceSmall‑Cap Mutual Funds Gain Momentum Amid Volatile Markets
Despite market turbulence, investors are increasingly pouring money into small‑cap funds. Mirae Asset’s small‑cap scheme crossed Rs 5,000 crore AUM in just 18 months, signaling renewed confidence as earnings improve and valuations normalize.
Personal FinanceMonsoon Session: Anti‑Paper Leak Bill Passes, Rahul Gandhi Sparks Row Over Remarks
During the Monsoon Session, the anti‑paper leak amendment cleared a voice vote, but the House was racked by heated exchanges. Rahul Gandhi’s comments about the Jantar Mantar protest and his use of the word “idiots” triggered opposition protests and demands for apology. Jitendra Singh clarified that no shots were fired, while the Vande Mataram bill debate intensified.
Personal FinanceNew EPFO Portal Lets Workers Reclaim Old Provident Fund Accounts Using Aadhaar
The government has launched an online portal that enables employees to locate, access and transfer dormant Provident Fund accounts to their active UAN with Aadhaar authentication. The move aims to cut paperwork, speed settlements and improve transparency, while EPFO also starts paying 8.25% interest on FY 2025‑26 deposits.
Personal FinanceWhy Your Salary Isn’t the Only Factor Banks Consider for Loans
Banks evaluate more than just your monthly earnings when approving loans. Credit history, existing debts, job stability and repayment capacity play critical roles. Understanding these factors can help you secure the right loan amount.
Personal FinanceInflation: The Silent Threat to Your Wealth
While a market dip can spark panic, the steady rise in everyday prices quietly erodes savings. Inflation moves in one direction, unlike market swings, and can outpace your portfolio growth over time. Understanding and protecting against it is key to long‑term financial security.
Personal FinanceWhy Every Family Needs an Organized Financial File Kit
Families often overlook the need for a clear record of insurance, bank, loan, and identity documents. By keeping everything in one place and informing a trusted member, emergencies become manageable and stress is reduced.
Personal FinanceWhy Your Credit Score Might Drop Even If You Pay All EMIs On Time
Many borrowers notice a dip in their credit score despite never missing an EMI. The score is influenced by more than just repayment history—credit utilisation, hard inquiries, account age, and report errors also play a role.
Personal FinanceMissing Term Insurance Premiums: What Happens When You Lapse
A missed term insurance payment can lead to a lapse. Knowing the grace period, revival rules, and future cost risks helps keep your family protected.
Personal FinanceWhy Banks Look Beyond Salary When Approving Loans
Banks assess a borrower’s likelihood to repay by examining credit history, existing debts, job stability and loan type, not just salary. Understanding these factors can help you secure better loan terms.
Personal FinanceIs Taking a Loan Right for You? A Simple Guide
Before accepting a loan, assess its purpose, affordability, and future risks. Choosing the right type and understanding total costs can prevent long‑term debt traps.
Personal FinanceIncome Tax Portal MSP Faces Penalties Amid Peak Filing Season Issues
The Income Tax Department’s e‑filing portal, managed by a service provider that has faced contractual penalties, remains largely stable during the peak filing season, says Minister Pankaj Chaudhary. He highlights technical glitches, increased traffic, and the government's measures to support capacity.
Personal FinanceMaximise Your Credit Card Rewards by Transferring Points to Travel Programs
Many credit card users earn points, but rarely realise their real worth. By transferring points to airline or hotel loyalty schemes, checking transfer ratios, and timing redemptions, you can save on flights and stays. Use points before they expire and avoid spending just to earn rewards.
Personal FinanceEducation Loans vs. Liquidating Investments: A Smart Financial Choice for Indian Families
Parents often tap retirement savings or sell assets to fund children’s education, but experts suggest education loans can be cheaper and tax‑efficient, allowing investments to keep growing.
Personal FinanceQuant Multi Cap Fund Tops Six‑Month Returns in Multi‑Cap Fund Rankings
Among multi‑cap funds with assets above Rs 1,500 crore, Quant Multi Cap Fund posted a 16.0% six‑month return, beating LIC MF Multi Cap Fund (11.4%) and ICICI Pru Multicap Fund (9.9%).
Personal FinanceBuilding Financial Resilience: Why Relying on One Salary Isn’t Enough
Most families depend on a single monthly paycheck, making them vulnerable to job loss or illness. Diversifying income, strengthening emergency savings, and protecting health and skills can create a safety net. This guide explains practical steps to reduce financial risk for Indian households.
Personal FinanceCentral Pay Commission 8th Formally Approved; West Bengal Sets 7th Pay Commission
On November 3, 2025, the Central Government approved the 8th Central Pay Commission, set to review salaries and benefits for about 55 lakh employees and 69 lakh pensioners. Meanwhile, West Bengal has formed its 7th Pay Commission to evaluate state staff compensation.
Personal FinanceWhy Your Financial Plan Needs Regular Updates as Life Changes
Life events—job shifts, marriage, children, home buying, health issues, market swings, and tax reforms—can render an old financial plan ineffective. Regular reviews keep your investments and protection aligned with your current goals.
Personal FinanceShould Investors Wait for Gold Prices to Fall to Rs 1 Lakh? Analysts Say Uncertain
Gold prices in India have surged above Rs 1.43 lakh per 10 grams, breaking a decade-long trend below Rs 1 lakh. Analysts warn that the market bottom is unknown, advising investors not to wait for a crash and to diversify instead.
Personal FinanceShould You File Your Income Tax Return Yourself or Seek Help? Experts Weigh In
With the July 31 deadline for filing Income Tax Returns approaching, taxpayers face a choice: DIY or professional help. Experts say the decision depends on the complexity of your finances, not just confidence in the portal.
Personal FinanceRecord SIP Growth Highlights Need for Goal‑Focused Investing
India’s monthly SIP contributions surged to ₹31,781 crore in June, but experts warn that a growing portfolio does not guarantee reaching financial goals. Investors should focus on goal progress, not just returns.
Personal FinanceMarkets Jumpy as Iran‑Israel‑US Talks Postponed; Oil Falls, Stocks Slide
After the postponement of talks between Iran, Israel, and the US, crude oil fell over 2% while equities slipped. Aditya Birla Sun Life’s A. Balasubramanian explains how rising inflation, global volatility, and domestic supports influence India’s markets and recommends a steady gold allocation.
Personal FinanceTaxpayers Urged to File Returns Before July 31 Deadline Amid No Further Extensions
With 3.53 crore returns already filed for AY 2026-27, the government has set July 31 as the final deadline for most taxpayers. Experts warn against waiting for a last‑minute extension, stressing early filing to avoid penalties and portal congestion.
Personal FinanceSEBI Proposes Lowered Minimum for Mutual Fund Portfolio Management Services
SEBI has introduced a proposal to create a Mutual Fund-only Portfolio Management Service (MF‑PMS) with a lower minimum investment of Rs 25 lakh, aiming to broaden access for mass‑affluent investors and simplify regulation.
Personal FinanceEPFO Credits 8.25% Interest to EPF Accounts for FY26, Rs 1.44 Lakh Crore Disbursed
EPFO has credited 8.25% annual interest to EPF deposits for FY2025-26, totaling Rs 1.44 lakh crore across 34 crore accounts. Members may need a few days to see updated balances and can verify via the Member Passbook portal.
Personal FinanceJuly 2026 FD Rates Reach 8.1% – Small Finance Banks Lead the Pack
In July 2026, banks offer up to 8.1% interest on fixed deposits, with small finance banks topping the list. Savvy investors can boost returns by comparing rates, spreading deposits, and matching tenures to liquidity needs.
Personal FinanceWhy Updating Your Nomination Matters After Life Changes
Nomination is often set up when opening a bank account or buying a mutual fund, but life events can make those details outdated. If a nominee dies or your family changes, failing to update can lead to delays and extra paperwork for heirs. Here’s why timely updates are essential.
Personal FinanceSEBI Proposes Mutual Fund‑Only Portfolio Management Services to Broaden Access
SEBI is introducing Mutual Fund‑only PMS (MF‑PMS) to lower entry barriers and offer tailored management for mass‑affluent investors, with a minimum investment of Rs 25 lakh and a capped 2.5% fee.
Personal FinanceRoom Rent Limits in Health Insurance: Why They Matter and How to Choose Wisely
When buying health insurance, many focus on coverage amount but ignore room‑rent limits. These limits can affect hospital bills and claim payouts. Understanding how room rent is capped and the impact of exceeding it helps you choose a plan that protects you from high out‑of‑pocket costs.
Personal FinanceAvoid Common Mistakes While Filing Your Income Tax Return
Even minor errors in filing your ITR can lead to delayed refunds, notices, or higher taxes. Tax experts highlight seven common pitfalls and offer practical checks to ensure a smooth filing process.
Personal FinanceTelecom Surges Again, but Past Winners Don’t Guarantee Future Gains
Telecom led 2026 YTD with 17% returns, yet a 17‑year study shows sector dominance is fleeting. Investors should focus on diversification rather than chasing yesterday’s best performers.
Personal FinanceChoosing Between Family Floater and Individual Health Insurance Plans
Many families opt for a single health policy, but as they age, separate covers may be wiser. This guide explains how floater and individual plans differ, the impact of age on coverage, and how to balance cost and protection.
Personal FinanceHow to Decide Whether to Pay Off Debt or Invest Extra Cash
When unexpected money arrives, many wonder whether to clear debts or invest. The best choice depends on the type of loan, interest rates, income stability, and future goals. Here’s a simple guide to help you decide.
Personal FinanceBalancing Debt Repayment and Retirement Savings: A Practical Guide
Many aspire to retire debt‑free, yet cutting all loan payments can hurt future income. This article shows how to juggle loan repayments, steady investments, an emergency fund, and inflation‑adjusted planning for a secure retirement.
Personal FinanceChoosing the Wrong ITR Form Can Cost You More Than a Month
The new filing calendar gives ITR-1 and ITR-2 a July 31 deadline, while ITR-3 and ITR-4 end on August 31. Picking the wrong form to gain an extra month can trigger penalties, interest and loss of deductions.
Personal FinanceGold, Oil and Silver Hit Record Peaks – Now What for Investors?
Gold, oil and silver reached record highs this year, but prices are falling. Investors watch interest rates, geopolitics and supply to decide how much to put in these commodities.
Personal FinanceInvesco India Financial Services Fund Leads Banks & Financial Services Mutual Funds with 16.7% CAGR
Invesco India Financial Services Fund tops the banks & financial services sector funds with a 16.7% three‑year CAGR, outperforming SBI Banking & Financial Services and Sundaram Fin Serv Opp. The fund also beats its benchmark and shows strong short‑term gains.
Personal FinanceSundaram Liquid Fund Tops One‑Month Returns Among Liquid Funds – AUM and Performance Highlights
On July 22, ACE MF data shows Sundaram Liquid Fund leading one‑month returns at 0.6%, matching Franklin India Liquid Fund‑Super Inst, while Axis Liquid Fund stands out for larger assets and best six‑month and one‑year gains.
Personal FinanceICICI Pru All Seasons Bond Fund Tops Dynamic-Bond Mutual Fund Rankings
ICICI Pru All Seasons Bond Fund leads the dynamic-bond category with a 7.1% three‑year CAGR, edging rivals Nippon India and Kotak. Its large corpus and benchmark‑beat performance make it a top choice for investors.
Personal FinanceMirae Asset Leads Overseas Fund‑of‑Funds with 44.1% 3‑Year CAGR
The Mirae Asset NYSE FANG+ETF FoF tops overseas FoF rankings with a 44.1% three‑year CAGR, outpacing Motilal Oswal and Kotak peers. Performance varies across time windows, showing the importance of choosing the right horizon.
Personal FinanceKotak Floating Rate Fund Tops One-Month Return; ICICI Pru Leads on Longer Horizons
ACE MF data shows Kotak Floating Rate Fund topped the floating‑rate category with a 0.7% one‑month return. Aditya Birla SL and UTI Floater followed at 0.6%. For six‑month and one‑year horizons, ICICI Pru Floating Interest Fund leads, while Kotak remains the top performer over three years.
Personal FinanceSBI Banking & PSU Fund Tops One‑Month Return Chart
For July 22, the SBI Banking & PSU Fund led the one‑month return list at 0.7%, closely followed by DSP and Kotak funds. While it lagged the benchmark by 0.1% short‑term, it beat the benchmark by 2.7% over a year, with Kotak excelling in mid‑ and long‑term returns.
Personal FinanceQuant Multi Asset Allocation Fund Tops Three-Month Return Rankings
On July 22, ACE MF data shows Quant Multi Asset Allocation Fund leading the three‑month returns with 4.7%, beating WOC and Edelweiss. The fund also outperforms its benchmark and maintains top spots across six‑month, one‑year, and three‑year periods.
Personal FinanceNippon India Nifty Pharma ETF Leads Index ETF Returns, Outperforms Benchmarks
Among index ETFs with assets above ₹1,500 crore, Nippon India Nifty Pharma ETF tops the six‑month return chart with 17.9%, beating its benchmark by 19.2 points. Other top performers include HDFC Nifty Smallcap 250 ETF (14.5%) and Mirae Asset Nifty Midcap 150 ETF (7.6%).
Personal Finance30% EMI Rule: A Practical Guide for First-Time Homebuyers
When buying a house, the 30% EMI rule helps you keep monthly loan payments within a comfortable share of your take‑home salary. This guide explains why the rule matters, how it affects other expenses, and tips to stay financially secure.
Personal FinanceHow to Switch from Employer Health Insurance to an Individual Plan
When a salaried employee leaves a job, the employer’s health insurance ends. Switching to an individual plan can be complicated but offers benefits like credit for waiting periods. Knowing how and when to migrate, understanding new policy details, and comparing coverage can help maintain continuous protection.
Personal FinanceCarnelian Asset Management Secures SEBI Approval to Launch Mutual Fund Business
Carnelian Asset Management & Advisors has received SEBI clearance to start mutual funds, expanding its services to retail investors. Founded in 2019, the firm plans active and passive schemes across equity, debt, and hybrid categories.
Personal FinanceSupreme Court Gives Parsvnath Developers One Week to Pay Homebuyers’ Dues
On Monday, the Supreme Court ordered Parsvnath Developers to pay the full amount owed to Gurugram homebuyers, plus 12% interest, within a week. The ruling reinforces RERA orders and highlights remedies for buyers when builders fail to deliver on time.
Personal FinanceBeware of Fake Websites: How to Spot Phishing Sites and Protect Your Bank Details
Online shopping and banking have made phishing scams more common. Fraudsters mimic real sites, use deceptive URLs, and trigger panic alerts. Learn how to spot fake websites, verify addresses, and react quickly if you suspect fraud to safeguard your finances.
Personal FinanceFranklin India Tech Fund Leads Six‑Month Return Among Top Indian Tech Mutual Funds
In the last six months, Franklin India Technology Fund topped the sectoral tech mutual funds with a -12.6% return, outpacing Aditya Birla SL Digital and SBI Technology Opp. Despite losses, it beat its benchmark and remains the best in one‑year and three‑year periods.
Personal FinanceHDFC Banking Fund Leads 3‑Month Returns, Invesco Tops Longer Periods in Banks & Finance Funds
Over the last three months, HDFC Banking & Financial Services Fund tops the sector with a 1.8% gain, while Invesco India Financial Services Fund leads the six‑month, one‑year and three‑year charts. The comparison highlights how performance varies across time horizons.
Personal FinanceHDFC Short‑Term Debt Fund Leads 3‑Year CAGR Among Top Short‑Duration Mutual Funds
ACE MF data released on July 21 shows HDFC Short Term Debt Fund topping the three‑year CAGR chart at 7.3 %, equal to ICICI Pru and Axis. The list includes only funds with assets above Rs 1,500 cr, where ICICI Pru holds the largest corpus.
Personal FinanceQuant Large & Mid Cap Fund Tops Three-Month Returns Among Large‑Mid‑Cap Mutual Funds
Quant Large & Mid Cap Fund led the three‑month performance with 11.6% return, outpacing rivals. Other top performers include Invesco and HSBC, while Axis holds the largest corpus. Benchmarks show Quant outperformed by significant margins.
Personal FinanceFranklin India Liquid Fund Leads Liquid Mutual Funds with 6.4% One-Year Return
ACE MF data shows Franklin India Liquid Fund‑Super Inst topping the one‑year CAGR chart for liquid mutual funds at 6.4%. Axis Liquid Fund and Edelweiss Liquid Fund follow closely, each delivering 6.3%. The fund also outperforms its benchmark and leads on short‑term returns.
Personal FinanceBandhan Dynamic Bond Fund Tops Three‑Month Return Among Large‑Asset Mutual Funds
Bandhan Dynamic Bond Fund leads the dynamic‑bond mutual fund category with a 2.8% return over the last three months, according to ACE MF data released on July 21. Kotak and Nippon India trail with 2.5% each. The ranking considers only funds managing at least ₹1,500 crore.
Personal FinanceMotilal Oswal Nasdaq 100 FOF Tops Overseas Fund-of-Funds Rankings for One-Year Returns
Motilal Oswal’s Nasdaq 100 FOF leads overseas fund‑of‑funds with a 63.2% one‑year CAGR, followed by Kotak and Edelweiss. Benchmark gains and short‑term shifts show why rankings vary across periods.
Personal FinanceICICI Pru Tops Floating‑Rate Fund Returns; HDFC and Aditya Birla Follow
In the one‑year CAGR, ICICI Pru Floating Interest Fund leads with a 6.2% return. HDFC Floating Rate Debt Fund and Aditya Birla SL Floating Rate Fund trail with 5.9% each. Rankings shift with different time windows.
Personal FinanceBandhan Banking & PSU Fund Tops One-Year Returns Among Large Debt Funds
According to ACE MF data released on July 21, Bandhan Banking & PSU Fund led the one-year CAGR for banking and PSU debt funds with 5.3%, matching ICICI Pru and outpacing Kotak. Rankings vary across short-term windows, with Kotak leading in 1-month, 3-month, and 3-year periods.
Personal FinanceICICI Pru Savings Fund Leads Low‑Duration Mutual Fund Returns for Six Months
ICICI Pru Savings Fund tops the six‑month return chart for low‑duration funds at 3.3%, matching Tata Treasury Advantage and UTI Low Duration. It also leads one‑month, three‑month, and three‑year returns, with a corpus of ₹22,339.1 crore.
Personal FinanceQuant Multi Asset Allocation Fund Tops 3-Year CAGR Ranking Among Large AUM Funds
Among multi‑asset funds with assets above ₹1,500 crore, Quant Multi Asset Allocation Fund led the three‑year CAGR chart with 22.3 %. It outperformed Nippon India and SBI funds and beat its benchmark by over 15 percentage points, according to ACE MF data released July 21.
Personal FinanceBank of India Mid & Small Cap Fund Leads Aggressive Hybrid Category with 18.2% 3‑Year CAGR
The Bank of India Mid & Small Cap Equity & Debt Fund tops aggressive hybrid funds, posting an 18.2% CAGR over three years. It beats rivals ICICI Pru and Quant Aggressive Hybrid, while SBI Equity Hybrid holds the largest corpus among funds with assets above Rs 1,500 crore.
Personal FinanceQuant Large Cap Fund Leads One-Month Return Chart Among Top Large-Cap Mutual Funds
As of July 21, Quant Large Cap Fund tops the one‑month return chart for large‑cap mutual funds, beating HDFC and Tata with 2.5% return. The fund also outperforms its benchmark across multiple periods.
Personal FinanceNifty Pharma Falls 1.5% as Trump Unveils Tariff Plan for US Generic Medicines
India’s Nifty Pharma index slipped 1.51% after US President Donald Trump announced a phased tariff on generic medicines, causing major drugmakers such as Sun Pharma, Cipla and Dr Reddy's to drop. The move raises concerns over long‑term prospects for Indian exporters in the U.S. market.
Personal FinanceSupreme Court Clarifies How to Prove the Genuineness of a Will
In a 2026 decision, the Supreme Court set clear guidelines for proving a will’s authenticity, stressing the need for the testator’s signature, mental capacity, proper witnesses, and evidence. The ruling overturned a Kerala High Court order and clarified the burden on beneficiaries.
Personal FinanceEPFO Holds Rs 9,330.56 Crore in Inoperative EPF Accounts; LIC Holds Rs 7,318.50 Crore in Unclaimed Funds
As of March 31, 2026, EPFO has Rs 9,330.56 crore in inactive EPF accounts and LIC has Rs 7,318.50 crore in unclaimed policyholder funds. The government is actively working to locate and return these deposits.
Personal FinanceMaharashtra CM Announces Blockchain Tokenisation Law for Land to Boost Economy
Chief Minister Devendra Fadnavis has ordered drafting a new law to tokenise immovable properties using blockchain. The move aims to unlock hidden value in land assets and create new revenue streams as Maharashtra targets a $1 trillion economy by 2030.
Personal FinanceSBI Funds Launches on BSE with 6.9% Premium, Adding 8th AMC to Indian Market
On 21 July 2026, SBI Funds Management debuted on the BSE, trading at Rs 613.30 – a 6.9% premium to its Rs 574 IPO price. The 41.66‑times oversubscribed public issue of Rs 9,812.91 crore marks the eighth asset‑management company to go public in India.
Personal FinanceHidden Costs of a Job Switch: Why Your First Salary May Be Delayed and Expenses Add Up
Switching jobs often promises higher pay, but many employees face unexpected delays and costs. From payroll gaps to moving expenses, the transition can strain finances. Understanding these hidden factors helps you plan better and avoid sudden financial stress.
Personal FinanceWhat Happens If You Miss One Car Loan EMI? RBI Rules and Repossession Explained
Missing a single car loan EMI is common, but it does not automatically mean your vehicle will be repossessed. RBI guidelines protect borrowers, and banks prefer repayment over seizure.
Personal FinanceHow to Make the Most of a Salary Raise Without Falling into Lifestyle Inflation
When a raise arrives, many find the extra money quickly disappears into new purchases. This article explains how to avoid lifestyle inflation, prioritize investments, pay down debt, and still enjoy modest luxuries while strengthening your financial future.
Personal FinanceSBI Funds Shares Debut at 7% Premium, Lags Grey‑Market Expectations
SBI Funds Management listed its shares on NSE and BSE at a 6.8‑7% premium over the IPO price. The listing attracted a 41.66× subscription but fell short of the 16% premium anticipated in the grey market.
Personal FinanceRetail Investors Shift to State‑Backed Bonds, Riding Digital Platforms
India’s retail investors are turning to state‑guaranteed bonds and SDLs after RBI’s Retail Direct platform saw a nine‑fold jump in registrations. Digital ease and higher yields than fixed deposits are driving the change.
Personal FinanceCan Married Couples Claim Home Loan Deductions Separately When Choosing Different Tax Regimes?
In FY26, spouses can pick old or new tax regimes independently. Eligibility for home‑loan deductions depends on ownership, EMI payments, and whether the house is self‑occupied or rented. Below explains how each spouse can maximise tax benefits.
Personal FinanceBitcoin climbs above $65,380 amid ETF inflows, but faces consolidation
Bitcoin hit $65,380 on July 21, up 0.86% in the day and 4.66% in a week, buoyed by five straight days of US spot ETF inflows. Analysts say it is a consolidation, with support around $64,500 and $65,000, while risks from geopolitics, oil and Fed policy remain.
Personal FinanceGold and Silver Prices Edge Up Amid Soft US Inflation, Cautious Markets
International gold rose 0.62% to $4,040.60/oz, while silver climbed 1.51% to $57.93/oz. In India, MCX gold futures for August increased 0.61% to ₹1,42,251 per 10 g and silver futures for September rose 1.13% to ₹2,20,874/kg. Analysts cite softer US June inflation but warn of rising oil prices that could prompt another Fed rate hike.
Personal FinanceGold Prices Slip in July Amid US‑Iran Tensions and Profit‑Taking
Gold prices fell in July after a brief rally, as US‑Iran tensions spurred demand but profit‑taking pulled back gains. The metal slid to around $4,000 per ounce, its lowest since late June, while experts advise holding positions and buying on dips.
Personal FinanceHow to Avoid Travel Insurance Claim Rejections: Quick Tips for Indian Travelers
Travel insurance often gets rejected or delayed because travelers forget to report incidents promptly or submit missing documents. By notifying insurers early, keeping all required paperwork, and reading the policy terms, travelers can secure smooth claims and avoid unnecessary stress.
Personal FinanceIs Employer Health Insurance Enough? Why You Might Need Your Own Plan
Many employees rely on employer‑sponsored health insurance, assuming it covers all needs. However, gaps appear when jobs change, families grow, or retirement approaches. This guide explains why a personal policy can provide continuous, comprehensive protection.
Personal FinanceShould You Cancel Your Health Insurance? Key Points to Consider
Many cut health insurance thinking it’s unnecessary, but canceling can lead to higher costs and lost benefits. Understand future premiums, waiting periods, and employer coverage before deciding.
Personal FinancePlanning Overseas Education Costs: Beyond Tuition for Indian Families
Indian families often underestimate the true cost of studying abroad. Tuition is just one part; accommodation, travel, insurance, daily expenses, and fluctuating exchange rates add up. Early budgeting and smart investment can ease the financial burden.
Personal FinanceAvoid Hidden Fees: Smart Payment Tips for Indian Travellers Abroad
Foreign exchange charges on card payments can add up. Choose the right payment method—credit, forex, or debit—to save money and avoid surprises on your next international trip.
Personal FinanceShould You Consolidate Your Personal Loans? Key Factors to Consider
Consolidating multiple personal loans into one can simplify payments, but it may not always save you money. Check interest rates, fees, and total repayment before deciding.
Personal FinanceWhy Owning Too Many Mutual Funds Can Hurt Your Portfolio
Many investors believe buying more mutual funds improves diversification. But experts warn that over-diversification can reduce returns and make tracking difficult.
Personal FinanceManaging Multiple Credit Cards: Avoid Debt Traps and Stay Financially Healthy
Having multiple credit cards is common, but mismanagement can lead to debt. Learn how to track spending, avoid minimum payments, and keep finances under control.
Personal FinanceLoan Against FD vs Personal Loan: Which Option Fits Your Needs?
Need urgent cash? Compare loan against fixed deposit and personal loan. FD loan has lower interest but ties up savings. Personal loan costs more but offers flexibility. Choose based on your situation.
Personal FinanceWant to retire early? Don't chase a number until you've answered these questions
Your future expenses matter more than someone else's retirement target
Personal FinanceThinking of closing an unused credit card? Read this before making the call
Cancelling a card isn't always as straightforward as it seems
Personal FinanceCan employees reduce their EPF contributions at Rs 1800 even if the basic salary is higher than Rs 15,000?
Employers can generally cap both EPF contributions at Rs 1,800 per month if the employee joined above the statutory wage ceiling and no contract requires contributions on actual wages.
Personal FinanceFlexi-Cap Funds See ₹5,231 Crore Inflows in June with Diverse Strategies
Flexi-cap funds attracted ₹5,231 crore in June, matching May levels. Top funds like Parag Parikh, HDFC, and Bajaj Finserv used their flexibility differently, showing varied market-cap allocations.
Personal FinanceGold slips 0.60% to Rs 1,41,250 tracking weakness in international market
The softer-than-expected US CPI data helped ease the dollar index and initially supported bullion, but the recovery remained limited.
Personal FinanceDirect vs regular mutual funds: Here is how switching to direct funds can add Rs 50 lakh to your portfolio
While direct mutual funds generally have lower costs because they do not include distributor commissions, financial experts caution that expense ratio is only one part of the return equation
Personal FinanceWhy your home loan principal reduces slowly in the first five years and what affects EMI repayment structure
In the early years of a home loan, most of your EMI goes towards interest rather than reducing the principal.
Personal FinanceYour credit report says more about you than just your credit score
Knowing what it contains can help you avoid costly surprises.
Personal FinanceEPFO: Why it is important to update your profile photo to complete e-nominations and claim PF funds
EPFO has advised members to upload a recent passport-size photograph to their profile to complete the e-nomination process
Personal FinanceAlready paying EMIs? You may still qualify for another loan
Lenders look at more than just your existing repayments.
Personal FinanceMissing the ITR filing deadline can trigger a 1% monthly interest on unpaid tax, late‑filing penalties, and additional costs
Across all taxpayer categories, a handful of common oversights can lead to avoidable interest charges and regulatory complications.
Personal FinanceGold and silver price today, July 13: Check rates of 24K, 22K gold in Delhi, Mumbai, Kolkata other cities
Investor sentiment remained cautious after renewed pressure was triggered by the failure of the US-Iran ceasefire talks, which had initially boosted the dollar and weighed on precious metals.
Personal FinanceCredit card swipe charges explained: What happens after you tap to pay?
The fee is usually invisible to shoppers but not to merchants.
Personal FinanceBitcoin has crashed 49% from its peak: is the worst over?
A similar structural bottom was seen during the 2021-22 market cycle.
Personal FinanceCan even a minor loan default hurt your credit score?
Regularly reviewing your credit report helps detect reporting errors, unauthorised loans or unpaid balances that may otherwise go unnoticed
Personal FinanceITR 2026 refunds: Are income tax refunds getting credited faster this filing season?
After filing, e-verification should be completed immediately. A return that is filed but not e-verified will not move for processing.
Personal FinanceBefore you pay in foreign currency, understand these important costs
International transactions may seem simple, but several regulations, fees and compliance requirements can affect the final cost and experience.
Personal FinanceInvesco India Multicap Fund leads multi-cap mutual funds in one-month returns; delivers 7.6% gain
Invesco India Multicap Fund delivered 7.6% returns over the last one month and 14.6% CAGR over three years, according to ACE MF data on July 6.
Personal FinanceInvesco India Arbitrage Fund leads arbitrage mutual funds in three-month returns; delivers 1.6% gain
Invesco India Arbitrage Fund delivered 1.6% returns over the last three months and 6.9% CAGR over three years, according to ACE MF data on July 6.
Personal FinanceGold rally still intact, but don't rush to overweight the metal, says DSP Netra report
The report reminds investors that precious metals can remain volatile even within long-term bull markets
Personal FinanceWant to gift mutual funds to your child? Read the fine print first
The investment is simple. The rules deserve equal attention.
Personal FinanceDSP Dynamic Asset Allocation Fund leads dynamic asset allocation mutual funds in six-month returns; delivers 0.7% gain
DSP Dynamic Asset Allocation Fund delivered 0.7% returns over the last six months and 10.8% CAGR over three years, according to ACE MF data on July 2.
Personal FinanceMirae Asset Equity Savings Fund leads equity-savings mutual funds in three-year CAGR returns; delivers 9.9% gain
Mirae Asset Equity Savings Fund delivered 9.9% CAGR returns over three years and 4.0% CAGR over the last one year, according to ACE MF data on July 2.
Personal FinanceNippon India Multi-Asset Omni FoF leads hybrid fund-of-funds mutual funds in one-year CAGR returns; delivers 9.0% gain
Nippon India Multi-Asset Omni FoF delivered 9.0% CAGR returns over the last one year and 17.9% CAGR over three years, according to ACE MF data on July 2.
Personal FinanceAxis Overnight Fund leads overnight mutual funds in one-month returns; delivers 0.4% gain
Axis Overnight Fund delivered 0.4% returns over the last one month and 6.2% CAGR over three years, according to ACE MF data on July 2.
Personal FinanceEPF scheme 2026: Should you reduce your PF contribution if your employer gives you the choice?
Under the new labour code framework, the mandatory 12 percent contribution continues only up to the statutory wage ceiling
Personal FinanceNo income proof? Don't rule out a credit card just yet
Some applicants have more options than they realise.
Personal FinanceMoney debited but cash not dispensed from the ATM? Follow these steps
ATM transaction failures can be frustrating, but knowing the right steps can help you recover your money quickly and avoid unnecessary stress.
Personal FinanceWhich retirement savings option should you choose? Here's what to know
Choosing the right retirement savings strategy requires understanding how different investment options work and where they fit into your financial goals.
Personal FinanceBefore you dip into your savings after a job loss, read this
An unexpected loss of income can be stressful, but taking timely financial decisions can help you stay in control and reduce long-term damage.
Personal FinanceYou don't need crores to invest in real estate anymore. Here's why
These market-linked investment options allow investors to gain exposure to income-generating assets without directly owning property or infrastructure projects.
Personal FinanceThink low interest means a cheap loan? These hidden charges could cost you more
The interest rate is only one part of the borrowing equation. Several additional charges can significantly increase the overall cost of a loan.
Personal FinanceRetiring soon? Here's when to start making your investments safer
Protecting your retirement corpus is just as important as growing it.
Personal FinanceDon't take a personal loan before checking these factors
Quick access to funds can be helpful, but understanding the true cost of a personal loan is essential before signing up.
Personal FinancePlanning to take a gold loan? Here's what first-time borrowers should know
Gold loans are gaining traction as gold prices remain elevated. Here's what first-time borrowers should check before pledging their jewellery.
Personal Finance8th Pay Commission: Why including parents in family unit could be key to higher minimum pay; staff-side demands explained
Any revision in family units by the 8th CPC will significantly impact the entire pay matrix across all pay levels, resulting in higher basic pay for central government employees.
Personal FinanceCan you claim TDS refund on a car won through a lucky draw?
The car won by you in a draw is taxable under Section 115BB of the Income Tax Act, 1961, at 30 percent.
Personal FinanceYour credit score depends on more than timely payments. Here's why
How much of your available credit you use can affect your credit profile even if you never miss a payment
Personal FinanceSaving for your child's education? Here's what rising costs mean for your finances
The growing cost of higher education is forcing many families to rethink savings, investments and long-term financial priorities
Personal FinanceLooking for a loan? Don't ignore the APR
Looking only at the interest rate may not reveal the true cost of a loan. Understanding APR can help borrowers make smarter financial decisions
Personal FinanceGot extra cash? Here's how to make the smartest financial decision
Extra income can provide a valuable financial opportunity, but deciding where to allocate it requires careful planning
Personal FinanceFive smart money habits that can improve your financial future
Small financial decisions made consistently over time often have a greater impact than occasional big moves
Personal Finance8th Pay Commission gives ministries until July 31 to submit requisite data
The Pay Commission requires related data to conduct a comprehensive analysis of the actual needs of central government employees and pensioners to present fair and practicalrecommendations.
Personal FinanceWill the new EPF Scheme 2026 change your PF contribution or take-home pay?
The clarification on employer PF contributions above the statutory wage ceiling could reshape CTC structures, payroll compliance and, in some cases, employees' take-home pay
Personal FinanceITR 2026: How to maximise your tax refunds while filing return?
Maximising tax refunds is not only about finding last-minute deductions; it starts with ensuring that your tax return accurately reflects your income, investments, and taxes already paid
Personal FinanceICICI Pru Dividend Yield Equity Fund leads dividend-yield mutual funds in three-year CAGR returns; delivers 18.5% gain
ICICI Pru Dividend Yield Equity Fund delivered 18.5% CAGR returns over three years and 1.7% CAGR over the last one year, according to ACE MF data on July 2.
Personal FinanceICICI Pru NASDAQ 100 Index Fund leads index funds - other index mutual funds in three-year CAGR returns; delivers 30.3% gain
ICICI Pru NASDAQ 100 Index Fund delivered 30.3% CAGR returns over three years and 43.1% CAGR over the last one year, according to ACE MF data on July 2.
Personal FinanceWhat the top flexi-cap funds delivered to SIP investors
The top three flexi-cap funds by one-year returns tell different stories over the longer term. Here's what a Rs 10,000 monthly SIP would have grown to and how these funds performed during recent market swings.
Personal FinanceITR filing FY26: Income tax refund on hold due to outdated bank details? You won't get it automatically unless you do this
Taxpayers awaiting high-value refunds should verify that their bank account is not subject to such restrictions before raising a refund reissue request
Personal FinanceHDFC bank credit card caps SmartBuy reward points on brand vouchers from July 1
HDFC Bank has introduced a separate monthly cap on accelerated reward points earned through SmartBuy brand vouchers, limiting rewards even if customers have unused monthly SmartBuy limits.
Personal FinanceSBI Dividend Yield Fund leads dividend-yield mutual funds in one-year CAGR returns; delivers 0.6% gain
SBI Dividend Yield Fund delivered 0.6% CAGR returns over the last one year and 11.3% CAGR over three years, according to ACE MF data on June 30.
Personal FinanceHSBC Midcap Fund leads mid-cap mutual funds in six-month returns; delivers 14.6% gain
HSBC Midcap Fund delivered 14.6% returns over the last six months and 26.4% CAGR over three years, according to ACE MF data on June 30.
Personal FinanceUTI Nifty 50 Index Fund leads nifty index mutual funds in three-month returns; delivers 5.4% gain
UTI Nifty 50 Index Fund delivered 5.4% returns over the last three months and 9.0% CAGR over three years, according to ACE MF data on June 29.
Personal FinanceQuant Value Fund leads value mutual funds in three-year CAGR returns; delivers 23.7% gain
Quant Value Fund delivered 23.7% CAGR returns over three years and 15.5% CAGR over the last one year, according to ACE MF data on June 29.
Personal FinanceSEBI wants mutual fund investor base to grow from 5 crore to 50 crore, sees digital distribution as key
SEBI Executive Director Manoj Kumar said digital distribution, simpler products and wider adoption of passive investing will be key to achieving the industry's next phase of growth.
Personal FinanceAC blast at home: Will your insurance policy cover the damage? Here's what you need to know
Under the standard home insurance product, such as the Bharat Griha Raksha or Householder Package policy, explosion is a covered peril
Personal FinanceRetired under VRS? Here's how your compensation will be taxed in ITR 2026
The amount received under an eligible Voluntary Retirement Scheme (VRS) is treated as salary income since it falls within the scope of 'profits in lieu of salary' under section 17(3) of the Income-Tax Act, 1961
Personal FinanceFranklin India Technology Fund leads technology sectoral mutual funds in one-year CAGR returns; posts -17.2% return
Franklin India Technology Fund delivered -17.2% CAGR returns over the last one year and 10.4% CAGR over three years, according to ACE MF data on June 29.
Personal FinanceMirae Asset Banking and Financial Services Fund leads banks & financial services sectoral mutual funds in one-month returns; delivers 5.9% gain
Mirae Asset Banking and Financial Services Fund delivered 5.9% returns over the last one month and 13.7% CAGR over three years, according to ACE MF data on June 29.
Personal FinanceMirae Asset Equity Savings Fund leads equity-savings mutual funds in three-month returns; delivers 3.6% gain
Mirae Asset Equity Savings Fund delivered 3.6% returns over the last three months and 10.1% CAGR over three years, according to ACE MF data on June 28.
Personal FinanceBank of India Flexi Cap Fund leads flexi-cap mutual funds in three-year CAGR returns; delivers 21.2% gain
Bank of India Flexi Cap Fund delivered 21.2% CAGR returns over three years and 7.8% CAGR over the last one year, according to ACE MF data on June 28.
Personal FinanceAxis Silver ETF leads silver ETFs in one-month returns; posts -19.0% return
Axis Silver ETF delivered -19.0% returns over the last one month and 45.7% CAGR over three years, according to ACE MF data on June 28.
Personal FinanceHSBC Large & Mid Cap Fund leads large-and-mid-cap mutual funds in one-year CAGR returns; delivers 9.8% gain
HSBC Large & Mid Cap Fund delivered 9.8% CAGR returns over the last one year and 19.6% CAGR over three years, according to ACE MF data on June 28.
Personal FinanceICICI Pru Retirement Fund-Pure Equity Plan leads solution oriented - retirement - retirement fund - equity oriented mutual funds in three-year CAGR returns; delivers 22.8% gain
ICICI Pru Retirement Fund-Pure Equity Plan delivered 22.8% CAGR returns over three years and 6.5% CAGR over the last one year, according to ACE MF data on June 28.
Personal FinancePicking the right mutual fund can matter more than picking the right category
Choosing the right mutual fund can be just as important as picking the right category. Here's why fund selection deserves a closer look.
Personal FinanceNeed emergency funds? Your PPF account may offer a cheaper borrowing option
Your Public Provident Fund account can be used to access low-cost loans under certain circumstances. Here is how it works.
Personal Finance8th Pay Commission: How 2, 2.5, and 3 fitment factors impact salary and HRA of Level 1 to 13 employees
Although the fitment factor is not applied directly to HRA, it increases the basic pay on which HRA is calculated.
Personal FinanceThinking of withdrawing your entire PF balance? Here’s what EPFO rules actually allow
EPFO rules permit full withdrawal only in specific situations. Here's what you need to know.
Personal FinanceThe invisible thieves in your phone: Five digital banking scams every Indian should know about
As digital payments become a part of everyday life, cybercriminals are finding new ways to target bank customers. Understanding common fraud tactics can help protect your money and personal information.
Personal FinanceNeed to claim your EPS benefits? Here's how to submit Form 10C online
Eligible Employees' Pension Scheme members can submit Form 10C online through the EPFO portal to claim a withdrawal benefit or obtain a scheme certificate.
Personal FinanceWhy is it important to file ITR if you incurred losses from equities or mutual funds?
Even in a loss-making year with no taxable income, filing the ITR within the prescribed due date helps preserve the right to carry forward capital losses from equities or mutual funds for up to eight assessment years
Personal FinanceAre you saving enough for retirement? Here's how to find out
Inflation can dramatically change your retirement corpus requirement.
Personal FinanceKotak Equity Savings Fund leads equity-savings mutual funds in one-year CAGR returns; delivers 4.6% gain
Kotak Equity Savings Fund delivered 4.6% CAGR returns over the last one year and 10.0% CAGR over three years, according to ACE MF data on June 25.
Personal FinanceAxis Overnight Fund leads overnight mutual funds in six-month returns; delivers 2.6% gain
Axis Overnight Fund delivered 2.6% returns over the last six months and 6.2% CAGR over three years, according to ACE MF data on June 25.
Personal FinanceHDFC Defence Fund leads thematic mutual funds in three-month returns; delivers 27.2% gain
HDFC Defence Fund delivered 27.2% returns over the last three months and 42.6% CAGR over three years, according to ACE MF data on June 25.
Personal FinanceQuant Multi Cap Fund leads multi-cap mutual funds in three-month returns; delivers 18.3% gain
Quant Multi Cap Fund delivered 18.3% returns over the last three months and 13.1% CAGR over three years, according to ACE MF data on June 25.
Personal FinanceInvesco India Arbitrage Fund leads arbitrage mutual funds in one-year CAGR returns; delivers 6.1% gain
Invesco India Arbitrage Fund delivered 6.1% CAGR returns over the last one year and 6.9% CAGR over three years, according to ACE MF data on June 25.