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My 60-year-old father learned to use AI tools for investment decisions, shifting from skepticism to confidence. AI helped him navigate finance jargon, leading to a well-structured portfolio. from mint - money

The Income Tax Department has released ITR-2 and ITR-3 Excel utilities for FY 2024-25, enabling taxpayers with capital gains and business income to file returns before the September deadline. from mint - money

Maximise credit card cashback and rewards with smart spending, card selection, bonus tracking, and full payments to enhance savings and avoid interest in the nation’s evolving credit landscape. from mint - money

NPCI boosts RuPay credit cards with bank incentives, aiming to challenge Visa and Mastercard’s dominance by leveraging UPI integration and offering attractive fee-based rewards to issuers. from mint - money

Premium credit cards offer concierge services that assist with travel, dining, and gifts, acting as personal assistants for cardholders. from mint - money

Health insurers offer coverage for pre-existing diseases like diabetes, hypertension, and asthma from Day 1. Key features include hospitalisation coverage, pre and post-hospitalisation expenses, day-care procedures, and organ donor expenses, with some exclusions such as cosmetic surgery. from mint - money

Gold ETFs surged over sixfold to ₹2,080.9 crore in June, while other ETFs dropped 79% to ₹844.4 crore. Equity mutual fund inflows rose 24% to ₹23,568 crore, contributing to a total mutual fund inflow increase of 67% to ₹49,301 crore in June. from mint - money

Understanding credit card late fees, over-limit charges, and GST can help manage finances. Responsible credit card use prevents it from becoming a liability. Mint aims to educate on credit, advising consultation with experts before taking credit due to associated risks. from mint - money

Try to avoid common income tax return mistakes for FY 2024-25 to prevent scrutiny and tax notices. Know key filing errors, TDS mismatches, and e-verification lapses flagged by the tax department. from mint - money

SBI personal loan interest rates in July 2025 range from 10.30% to 15.30% annually, with charges varying by scheme, borrower profile, and employment type. Processing fees and EMI details included. from mint - money

Some benefits of a digital personal loan include applying from anywhere, faster video KYC from anywhere, faster processing, digital signing of loan documents, disbursement in the bank account, etc. from mint - money

Navigating the complexities of provident fund claims can be daunting, especially when faced with rejection. Deepak Bhatter's experience sheds light on the crucial steps to take, including the powerful RTI application. from mint - money

Boosting your credit score from 580 to 800 involves timely repayments, low credit utilisation, diverse credit mix, fewer loan inquiries, and regular monitoring of your credit report to ensure accuracy. from mint - money

A personal loan can aid in managing finances for emergencies or debt consolidation, but requires careful planning. Assess your needs, maintain a good credit score, and ensure your spending aligns with your long-term goals to avoid debt traps. from mint - money

Some steps to manage personal loan EMIs effectively include automatic payments, monthly budgeting, making partial/full prepayment, loan consolidation, balance transfer, regular review, etc. from mint - money

Here, we list out some credit cards which offer reward points on the payment of insurance premium from mint - money

It is possible to structure a group health insurance policy for your retired employees. Such a policy can be custom-designed with varying waiting periods for pre-existing diseases based on the size and composition of the group. from mint - money

In India, it is common practice to have all assets and investments, and even bank accounts, in joint names with a spouse or child. from mint - money

Use of tools like Claude AI to analyse portfolios and get buy and sell stock recommendations pose a new challenge for advisors and investment managers. from mint - money

Business credit cards serve to manage business expenses, maintaining a clear distinction from personal transactions. Offered by various banks with different fees, they enhance cash flow and simplify financial management for businesses, freelancers, and employees in growing companies. from mint - money

It's crucial to weigh the pros and cons of home ownership vs renting, especially if you're an urban professional in your 20s or 30s. What's best for you depends on your financial situation, life goals, and local housing market. from mint - money

A personal loan gives the borrower a lumpsum amount along with an EMI repayment plan spread evenly throughout the tenure. A line of credit provides access to a specified amount that can be used as and when required and flexibility for repayment. from mint - money

Other key factors which should influence a borrower’s decision to choose a lender include processing charges, lender’s reputation, other hidden charges & the overall experience of securing a personal loan. from mint - money

Choosing between a business and personal credit card can be difficult for independent contractors and business owners. Business cards simplify accounting, while personal cards cater to everyday expenses. from mint - money

Changes in the credit card rules are typically minor tweaks, latest updates or revisions in time limits. These relate to the reward points, access to lounge, time duration and so on. They do not fundamentally change the character or spirit of the card. from mint - money

With the rise of self-employment in India, the gig economy is booming. Although freelancers face challenges in obtaining credit cards, tailored options are available. This guide outlines the necessary criteria and various credit card choices for self-employed individuals. from mint - money

Avoiding common financial mistakes is crucial to maintaining a healthy credit score. This article outlines seven habits that can instantly hurt your creditworthiness and impact loan eligibility. from mint - money