Personal Finance

Other

Primer FAQs on cash withdrawal tax

FAQs on cash withdrawal tax

The Budget introduced TDS of 2 per cent on cash withdrawals of over Rs 1 crore. Here’s how it works

Financial Planning Getting the asset allocation right

Getting the asset allocation right

It’s important to spread out your investments across equity as well other asset classes

Portfolio Ideas Your savings should increase with time

Your savings should increase with time

A static, fixed investment amount won’t help you achieve your life goal

De-Tax Tax tweaks on equity fund of funds

Tax tweaks on equity fund of funds

Equity FoFs — three of them — are now treated as equity mutual funds for taxation

Term of the week: Insurance ombudsman

The institution of insurance ombudsman was created by the Government of India for speedy disposal of policyholders’ grievances. These complaints can ...

Loan Basics Borrowing to build a home? Pick a developer wisely

Borrowing to build a home? Pick a developer wisely

The developer must deliver on time and not add to your debt burden

Home Truths Does renting out your house make sense?

Does renting out your house make sense?

The Model Tenancy Act is unlikely to spur rental supply in the housing market

FD Watch Sundaram Finance: High ratings, good returns

Sundaram Finance: High ratings, good returns

The fixed deposits of the NBFC are rated FAAA by CRISIL

Save Smart Behavioural biases to overcome in a bear market

Behavioural biases to overcome in a bear market

A measured, logical approach to investing can help avoid behavioural pitfalls and navigate the current tough market conditions

Market Alert What investors can expect post-Fed comment

Financial markets could stay volatile in the coming months

Smart Seniors The nuts and bolts of Pradhan Mantri Vaya Vandana Yojana

The retirement scheme provides attractive interest rates and regular payouts

Term of the week

Joint-life insuranceJoint life insurance is a life insurance policy that covers an individual and his/her spouse under a single contract. It could be ...

Insurance Uncovered

Duties of a policyholder A smart customer should be aware of his duties when he buys an insurance cover. Here are a few duties of a policyholder ...

Portfolio Ideas Beware of regulatory risks to your portfolio

Favourable market regulation and tax benefits can be withdrawn any time

Loan Basics Gold loans: Yellow metal to your rescue

Gold loans can be procured from banks, financial institutions at short notice

Primer How loan a/c status affects credit scores

You need to be aware of how your past transactions are reflected in the credit report

De-Tax Options galore to file IT returns

Choose a method based on your knowledge on taxation and the services you need

De-Tax File your income tax return, NOW!

The ITR filing due date has been extended, but don’t wait till the 11th hour

Your Taxes

My date of birth is 15-04-1940. I shall complete the age of 80 on April 15, 2020. Am I eligible to get the benefit available to super senior citizen ...

Home Truths Lessons from the Amrapali verdict

The Supreme Court judgement may be a small step, but it can have a big positive impact

De-Tax New norms to report foreign accounts

This year’s ITRs have changed the rules for reporting foreign accounts and assets

Real Returns Your first steps to investing

Want to splurge as well as save for the rainy day? Here’s a game-plan

Term of the Week: Underwriting

Insurance underwriting is the process of evaluating the risk of insuring an individual, car, home or any object. The underwriter scrutinises the ...

Insurance Uncovered

I have a family health policy, Health Wallet with SI ₹5 lakh. Earlier, you had advised me to take a super top up policy for ₹2 or ₹3 lakh, so that I ...

Debt Watch Save tax and earn interest too

Why capital gains bonds are safe and rewarding

Home Truths Are homes more affordable now?

No, shows data from the recent RBI survey

Financial Planning Goals vs expenses: Striking a balance

It is important to make the right investments at the appropriate time

Taking Cover A floater plan for your family

Besides being cost-effective, the risks are shared among the family members

FD Watch Risk-free returns from RBI bonds

The investment is absolutely safe and gives good returns

Term of the week: Claim settlement ratio

Claim settlement ratio is a metric that measures the proportion of the claims settled against the total number of claims received by the ...

Insurance Uncovered

Since 2004, I have been subscribing to The New India Assurance’s Mediclaim, where the premium for my ₹5-lakh policy has risen sharply, and is now too ...