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A strong credit score reduces credit card costs by securing lower interest rates, higher limits and better offers while poor scores increase borrowing risks, making responsible credit behaviour essential. from mint - money

Many people with disabilities are unable to access financial services because their conditions prevent them from completing electronic know-your-customer procedures. There's plenty that needs to be done to resolve this, experts say. from mint - money

Long-term capital gains on the sale of residential property are exempt only if the gains are reinvested in another residential property or on investment in certain bonds, capped at ₹50 lakh. from mint - money

Capital markets regulator Sebi has announced that the investments made by mutual funds and specialised investment funds in real estate investment trusts (REITs) would be reclassified as equity related instruments. from mint - money

Since New Tax Regime does not allow deduction under section 80C, investors have one less reason to opt for small savings schemes. Therefore, they are – at times – overlooked for fixed deposits (FDs) from mint - money

Almost all banks offer 50 basis points higher interest to those depositors who are above the age of 60.  from mint - money

There is a noticeable shift from survival to success with digital lending and smart credit as catalysts of aspiration, reveals a report titled 'How India Borrows' by Home Credit India. from mint - money

The student credit card scheme is aimed at supporting higher education, allows students to avail themselves of loans up to ₹10 lakh at a nominal interest rate, and the entire interest subsidy is borne by the state government from mint - money

A strong credit score impacts financial opportunities at every stage of adult life enhancing loan approvals, lower interest rates, credit card benefits, and long-term financial stability from 25 to 60. from mint - money

If you are a frequent traveller and a credit card user at the same time, you are recommended to use the cards that offer airmiles  from mint - money

An NRI living in Dubai missed the July deadline for filing an Income Tax Return but wants to claim a refund of excess TDS deducted on a stock buyback. from mint - money

The four new labour codes notified on 21 November come with a mixed set of implications for employees. from mint - money

More Indians are entering retirement without a partner—by choice or circumstance. From finances to social support, solo ageing demands tougher planning and a sharper focus on independence. from mint - money

The government's new labour codes have provided a uniform definition for wages in India. We examine how this impacts your pay structure including basic salary, pension, gratuity calculation and EPF benefits. from mint - money

For NRIs, buying property in India is a maze of legal paperwork, state rules and intensive due diligence. Here’s what they need to know. from mint - money

RBI has released a draft with directions for the weekly update of credit information from the current fortnightly updates. The faster updates will help banks with more accurate credit underwriting and borrowers with better access to loans on better terms. from mint - money

Swift action is vital when facing credit card fraud, from blocking your card to filing official complaints and safeguarding future transactions, ensuring stronger protection and financial security for cardholders. from mint - money

You can now use electronic modes to deposit money in CGAS, open accounts with private banks from mint - money

If a personal loan closure alters an individual's credit mix and credit age, it can result in a slight temporary decline in credit score. If the personal loan is the only credit instrument, its closure will halt the progress of your credit score and history. from mint - money

Many employees think they would fare better financially as consultants due to tax benefits. How far is this correct? What are the risks of an employee being reclassified as a consultant? from mint - money

A new personal loan can briefly reduce your credit score due to hard checks, but responsible repayment, limited applications and disciplined borrowing habits help strengthen long-term credit health and financial stability. from mint - money

Although it is not a rational thing to buy a luxury item with loan money but there could be some exceptions to the rule. Here we list out few advantage as well as disadvantages of opting for it from mint - money

For decades, property rewarded those who waited. The new tax laws will reward those who move. from mint - money

Rudra Chatterjee, Managing Director of Luxmi Tea Group, discusses the company's historical ties to India's freedom struggle, the evolution of tea culture, and the importance of resilience in business amidst global uncertainties. from mint - money

Bitcoin prices have been on a decline for past few weeks currently hovering around $86,000, 30% down from all time high on 6 October  from mint - money

The new labour codes have overhauled how wages, gratuity, provident fund, pension and other social security benefits are calculated. Mint explains who benefits and if your take-home salary is affected. from mint - money

With companies pushing performance-linked pay deeper into the workforce, household cashflows are becoming lumpier and harder to plan. Here’s how families can adapt. from mint - money

Mutual funds profit when investors do well; brokerages profit when investors trade. Yet the market values them similarly—revealing a truth about financial incentives every investor must understand. from mint - money

How much capital gains tax is levied on the sale of mutual funds depends on two factors – holding period and category of mutual fund. We deconstruct the nuances here from mint - money

New labour code: Amid several path breaking changes that are announced in these labour reforms, one of the noticeable ones is the provision of early gratuity which employees will be entitled to after one year of service. from mint - money

India’s CGAS overhaul modernises how taxpayers deposit and track capital gains, adds SEZ relocation coverage, widens bank access and mandates digital account closure for the first time. from mint - money

A clear guide to completing a personal loan application, highlighting key documents, credit score checks, accurate form filling, loan planning and final review to ensure smooth personal loan approval. from mint - money

There are some premium cards which offer mind boggling offers but they come at a huge price i.e., high annual fee from mint - money

Credit score impacts all forms of borrowing – from personal to car loans. Higher the score, better the chances of securing a loan on convenient terms and lower interest rates from mint - money

The income tax portal states that it normally takes anywhere between 4 to 5 weeks for the refund to be credited to the taxpayer's account. The refund of large amounts may take longer from mint - money

The tax laws don’t allow interest deduction to be claimed while the property is under construction, and cap the total interest benefit that can be availed after taking possession  from mint - money

Ayurvedic treatment claims face closer scrutiny from insurers due to cost and necessity concerns. To increase approval chances, patients should provide detailed medical documentation, minimize hospital stays, and select accredited facilities.  from mint - money

Overseas students’ enrolment in the US falls 7%, there are several other countries including Russia, Poland and France which Indian students can explore aside from the US. from mint - money

SIFs are allowed to have short or sell positions in derivatives of stocks not in the portfolio. from mint - money

A credit score of 657 reflects moderate risk, but it can be improved with timely repayments, low credit utilisation, regular credit report checks, limited applications, and disciplined financial habits for long-term growth. from mint - money

Young professionals often struggle between speeding up education loan repayment and starting investments. Here’s how to decide based on interest rates, tax breaks, cash flow and financial stability. from mint - money

Credit card EMI helps spread big purchases into fixed monthly instalments, outlining benefits, costs, tenure options and key considerations for managing repayments effectively with smart financial planning. from mint - money

Buying gold isn't about earning returns, it's about insuring yourself against global monetary instability that directly erodes the rupee’s purchasing power, giving you a hedge that transcends borders when currencies weaken worldwide. from mint - money

Personal loans: Borrowers must avoid getting lured by instant loan providers which promise a loan in 20 minutes or so   from mint - money

Some banks offer co-branded credit cards which allow users to claim discounts at a few select hotels and airlines. from mint - money

As the life certificate submission for pensioners deadline nears, we bring you a step-by-step guide on how to download a digital copy of your Jeevan Pramaan Patra, deadline date, answer FAQs and other details. from mint - money

Chasing quick gains in IPOs can backfire if investors don't do their due diligence to understand business risks and prospects from mint - money

When a person dies without a will, legal heirs are liable for tax on income like interest and dividends earned by the deceased's assets. from mint - money

Under the old tax regime, donors can claim 100% deduction for donations made to political parties. These deductions are allowed for individuals as well as companies under section 80GGC and section 80GGB of Income Tax (I-T) Act, respectively. from mint - money

FD rates: Non-banking financial corporations typically offer higher interest rates on their fixed deposits than what most banks offer. from mint - money

Investing in a direct mutual fund is advantageous for investors because it typically carries a lower expense ratio. from mint - money

Compare personal loan offers by evaluating interest rates, fees, eligibility, loan tenure, and prepayment options to make informed borrowing decisions and manage the total cost of credit responsibly. from mint - money

Credit cards can lead to debt traps when mismanaged, but disciplined use, full repayments, and tracking expenses help users build credit safely while avoiding high interest and financial stress. from mint - money

Confused about credit scores? Bhushan Padkil, SVP at TransUnion CIBIL, breaks down the key factors that affect your score and debunks common myths. Understand the importance of timely payments, balanced borrowing, and how to monitor your credit effectively.  from mint - money

Building a good credit score without a credit card is possible through timely loan repayments, responsible borrowing, and consistent financial discipline that strengthen long-term creditworthiness. from mint - money

India’s new tax rule makes share buybacks fully taxable in shareholders’ hands. Experts warn it could deter payouts, distort capital flows, and hurt market confidence. from mint - money

Most banks require an overall work experience of at least 1-2 years, out of which at least 1 year must be with the current organisation. Job stability and other factors help a bank determine the applicant’s repayment capability. from mint - money

Although age does not have a direct bearing on the credit score, it is a reason for a number of constituent factors which contribute towards building the credit profile. We explain the nuances here from mint - money

AI-powered tools promise smarter investing—but their fluency masks a deeper risk. When confidence sounds like competence, investors fall into the same traps they thought they’d escaped. from mint - money

There are some credit card which enable you to claim discounts on your hotel stays and flight tickets  from mint - money

For personal loans, an applicant must fulfil various eligibility criteria, a decent credit score being just one of them. The other criteria include a low DTI ratio, a minimum income, employment stability, age, etc. from mint - money

A solid credit profile can mean the difference between a loan rejection and your dream home. Here’s how to prepare your credit report and maximise your chances before applying. from mint - money

Here we give a step-by-step guide to explain the process of procuring unsecured loan  from mint - money

Sebi is there to ensure transparency. Whether the IPO is a good investment or a terrible one should not be the regulator's concern from mint - money

In a significant win against the Income-Tax Department, Bollywood actor Aishwarya Rai Bachchan has won a ₹4 crore dispute in the Income Tax Appellate Tribunal (ITAT) Mumbai. from mint - money

FD interest rates: We list out the highest interest rates offered by top lenders such as HDFC Bank, ICICI Bank, SBI and Canara Bank on their 3-year fixed deposits for senior citizens from mint - money

Missing a personal loan EMI can significantly reduce your credit score, attract penalties, and harm your future borrowing potential, making timely payments crucial for maintaining a strong credit profile. from mint - money

EPF 3.0 brings long-overdue simplification and flexibility. But in chasing convenience, we risk forgetting what the provident fund was built for—retirement security. from mint - money

Travel is a luxury and therefore, it is not recommended to take a personal loan for it unless the travel is urgent or you are taking loan for a very short period   from mint - money

As GST cuts make petrol and diesel cars cheaper, buyers are redoing their math. EVs still save on running costs, but the payoff depends on how much you actually drive. from mint - money

A strong credit mix of loans and credit cards enhances your credit score, showcasing responsible financial behaviour and improving your chances of securing favourable lending opportunities. from mint - money

HDFC Bank is offering up to 10,000 bonus Marriott Bonvoy points on spending up to Rs. 2.5 lakhs on the Marriott Bonvoy HDFC Bank Credit Card between 1st October to 30th November 2025. from mint - money

Being named a nominee for fixed deposits does not automatically make you the sole owner. Legal heirs or Will beneficiaries have claims, too. from mint - money

EPFO’s move to extend full withdrawal timelines aims to secure retirement savings—but may create new hurdles for migrants, retirees, and those facing emergencies. from mint - money

While a customer may relate to a figure in one's home currency under DCC, the amount includes additional spreads and fees that almost always work out higher than what their own bank or card network would have charged. from mint - money

Autopay on debit and credit cards simplifies recurring payments, following RBI guidelines. from mint - money

India Post Payments Bank has partnered with EPFO to provide doorstep Digital Life Certificate services for pensioners enrolled in the Employees' Pension Scheme, 1995. from mint - money

A Will isn’t only for the wealthy. It’s a simple, powerful way to ensure your assets are passed on as you intend — without legal hurdles, disputes, or uncertainty. from mint - money

Digital payment methods, such as UPI, have transformed how consumers perceive spending. The absence of physical cash reduces emotional connection, making transactions feel effortless.  from mint - money

UPI in India surpassed 67.8 crore QR codes, enabling ₹143.3 lakh crore in transactions in H1 2025, a 23% increase y-o-y.  from mint - money

Premium credit cards are high-end cards which target wealthy individuals who require concierge service and who have a higher income    from mint - money

Managing a portfolio of stocks that strives to beat its benchmark across market cycles isn’t too different from producing consistent, high-quality batches of whisky at a single malt distillery despite changes in the weather and raw materials. from mint - money

Banks and cooperative banks are required to report to the Income Tax Department if someone deposits ₹10 Lakh or more during a single financial year. from mint - money

The EPFO Employee Enrollment Scheme 2025 has been made effective from November 1, and aims at encouraging employers to voluntarily declare and enroll eligible employees. from mint - money

The UIDAI's new Aadhaar rules from today, November 1, 2025, will help Aadhaar holders update their information with ease by not having to visit the enrolment centres. from mint - money

Three common investment options for retail investors are ELSS, PPF and fixed deposits. ELSS gives exposure to equity whereas PPF and fixed deposits (FDs) provide assured returns to retail investors. Here we give a comparative analysis of these three investment options from mint - money

In this cyber fraud, a stranger pretending to be someone you know would request you to merge a call, thus orchestrating a fraud which can lead to the loss of your entire bank balance. Read this to know more about call merging scam from mint - money