Page 8 - Personal Finance

Investing in credit funds based on past returns would be foolhardy: Experts

Credit risk funds are showing a category average return of 13.2 per cent for the past year

HDFC borrowers will benefit from transparent rate regime: Analysts

A deposit is a contract between the depositor and the institution taking the deposit

From IPOs to PF, here's a list of changes that come into effect on Friday

Initial public offerings (IPO) launched after April 1 shall provide a sub-quota within the high net-worth individual (HNI) quota for those investing between Rs 2 lakh and Rs 10 lakh.

Renegotiate home loan terms after borrower's death, say analysts

If heir provides guarantees, lender may ease repayment schedule

Pay penalty for failing to keep books of accounts, say analysts

Experts say it has now become a standard practice to pay a fine instead of maintaining books of accounts and other documents.

BS Number Wise: An emerging trend in EPFO's debt investments

Every investment category but one has seen a drop in its share: it's a move that is not without some risk

Not filed ITR yet? Face penalty or even jail term, say analysts

Breaching March 31 cut-off date will have assessee receive show-cause notice for undisclosed income

Invest in ELSS funds if your portfolio is light on equities: Experts

Recent correction means a good chance to enter these tax-savers

Explained: How is EPF interest calculated?

Port your insurance policy to cover home care, consumables: Experts

Around 54 per cent customers in tier 1 cities, 18 per cent in tier 2 cities, and 28 per cent in tier 3 cities ported to a higher health cover

Exit small-caps with high valuations and poor basics, say analysts

MF investors must limit allocation to 10% and have five-seven-year horizon

Appoint two-three key people as life policy's nominees, say analysts

Buyers should look it up to see which insurers have been quicker in settling claims.

EPFO mulling pension scheme for formal workers with basic wage over Rs 15K

At present, all those employees in the organised sector whose basic wage is up to Rs 15,000 per month at the time of joining service are mandatorily covered under EPS-95

Home insurance policy: Buyers, now get ready for structural audit

Fortify yourself further by purchasing adequate insurance cover for the building and its contents

Insurer can't change policy terms unilaterally

The National Commission pointed out that when a change in policy terms is made without a fresh proposal, the insurer must get the insured's consent

Budget 2022: Saving for a rainy day? Your umbrella just got costlier

As the world struggles to regain economic footing due to the pandemic, does the Union Budget 2022-23 in any way alleviate your lifestyle or impact your daily spending?

A penny saved, a penny earned and other insights into the art of budgeting

Budgeting tips: Start with some kind of allocation of your periodical expenses, even if it's very rudimentary. You can adopt a more sophisticated approach later

A guide can make your financial journey easier

A professional consultant can help you choose investments and risk-mitigation measures, and implement them.

Interest rates on small savings schemes unchanged for Q4FY22

Public Provident Fund (PPF) and National Savings Certificate (NSC) will continue to carry an annual interest rate of 7.1 per cent and 6.8 per cent, respectively, in the fourth quarter as well

Aadhaar linkage to demat KYC: Finish these compliance tasks before Dec 31

Failure to do so could result in penalties or lead to hassles later in financial planning