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The higher the rate of return on investment, the faster you achieve your financial goals. Additionally, the more focused you are on your financial goals and the timeline to achieve them, the easier it becomes to formulate a financial plan. from mint - money

While the provisions of the 8th Pay Commission will be effective from 1 January, 2026, the implementation is expected to be delayed. This is why government employees and pensioners will receive arrears. from mint - money

New Year 2026: Simple New Year resolutions can help borrowers improve their credit score through timely repayments, smart credit utilisation, regular monitoring and long-term discipline, unlocking better loan approvals and financial opportunities. from mint - money

ITR refund deadline: Once the 31 December deadline passes, taxpayers do not have the opportunity to file revised ITR even though their returns are not processed by the CPC. from mint - money

New Year 2026: Experts often recommend investors stay committed to the key fundamentals of investing, including asset allocation and diversification. from mint - money

Credit card applications can be rejected due to weak credit history, high debt, insufficient income, errors in documentation, or eligibility issues, highlighting the importance of disciplined spending and repayment habits. from mint - money

In case you have earned any dividend out of the shares held during the calendar year, you should disclose the same as well as the schedule in which such dividend is offered to tax in the return of income (Schedule OS in the case of dividends). from mint - money

Rising treatment costs and recurrence risks make choosing the right cancer coverage critical—here’s how to protect yourself financially. from mint - money

8th Pay Commission effective from January 1: The 8th Pay Commission is set to revise the pensions, allowances, and salaries of current and retired central government employees. The commission is set to be effective from 1 January 2026. from mint - money

Meaningful insurance education would require honesty. It would begin by acknowledging that many products approved and aggressively sold in the market may hurt customers' financial well-being from mint - money

Structural changes were made to the NPS to increase its wider acceptance among households, while EPFO took some tough calls to plug complete withdrawals of the provident fund. Here are the headline events of 2025 in the space that you should take note of. from mint - money

Flexi-cap funds may offer diversification without forcing exposure to expensive market segments. But these are not the only ones that promise diversification across market caps. from mint - money

The NOVA Credit Card is a luxury credit card that offers accelerated reward points on travel, airport lounge access, low forex markup, golf rounds, and more, designed for those looking to transform everyday moments into milestones. from mint - money

Logan Paul purchased the Pikachu Illustrator card for millions of dollars four years back, during which he broke a Guinness World Record for the most expensive Pokémon trading card sold in a private auction. from mint - money

The Income Tax Department has notified taxpayers via email and SMS that their refunds are being held due to discrepancies in their ITR filings. Many affected individuals are seeking clarity and an extension before the 31 December deadline to correct their filings. from mint - money

Always read policy wording carefully, maintain complete medical documentation, and make use of the grievance and ombudsman mechanisms when needed. from mint - money

A revised ITR is filed to correct any mistake in the original ITR. A belated ITR is an original ITR filed if a taxpayer misses the due date for ITR filing. Here is a detailed breakdown. from mint - money

Income Tax Refund Rule: If your ITR does not get processed by 31 December 2026, or within the relevant deadline for previous assessment years, the CPC has to forfeit its right to the ITR. from mint - money

While most experts remain optimistic about gold, citing a macroeconomic backdrop that continues to favor it, some warn of short-term risks. from mint - money

A personal loan default can lead to legal action, but timely communication, repayment planning, restructuring options and understanding recovery rules can help borrowers reduce risk and protect credit health. from mint - money

Taxpayers must disclose foreign assets and income in revised ITR by December 31. Failure to report can lead to penalties. from mint - money

Your PAN will be rendered inoperative after 31 December if not linked with Aadhaar. There are several consequences of getting your PAN inoperative, including penalties. from mint - money

Strong demand has not translated into consistent returns for SME IPOs. Of the 250 companies listed in the space in 2025, 129 are trading below their issue price from mint - money

Changes in income tax law and new regime have done away with the year-end rush for investments to save on tax. But experts still advise active tax planning and asset allocation. from mint - money

Application submission for the Kerala government's Sthree Suraksha Scheme has reportedly begun. The state government had earlier released the guidelines and norms related to the implementation of the scheme. from mint - money

Warren Buffett believes that big opportunities are rare and must be seized, but decisions should be well thought out and considered rather than impulsive, if you want to make money. from mint - money

Taxpayers face severe penalties for failing to disclose foreign assets, even inadvertently. A Mumbai executive received a ₹40 lakh fine under the Black Money Act despite no income from his holdings.  from mint - money

In a post on X on Saturday, Nikhil Kamath dropped a one-minute video teaser of his podcast with Ray Dalio, where they discuss a wide range of topics including crypto, wealth creation, wealth to money ratio and others. The video has already gone viral on social media. from mint - money

There are ways to expedite the approval of your personal loan. They include improving credit score, managing debt, ensuring stable income, choosing the right amount, and avoiding multiple applications. Here are six factors to consider to get a personal loan cleared quickly. from mint - money

A 0.25% rate cut may look negligible, but the real gains depend on whether borrowers reduce EMIs or shorten tenure—one choice offers comfort, the other can save lakhs. from mint - money

A credit report dispute helps correct errors in personal and account details, protecting credit scores, ensuring fair lending decisions, and encouraging regular credit report review through a dispute resolution process. from mint - money

Transferring a residential apartment to a child can be done through a gift or a will. Each route has legal, tax and personal implications that families should understand before deciding. from mint - money

Across urban India, child-free couples are intentionally reshaping their finances, prioritising flexibility, early retirement, experiences, and long-term self-reliance over traditional child-centric milestones and expenses. from mint - money

If an investor had invested ₹1 lakh in this flexi-cap mutual fund in 2008, the amount would have grown 10 times in the 17 years that followed at an annualised rate of 14.25%. from mint - money

NPS subscribers will now be able to withdraw up to 80% of the corpus when it exceeds ₹12 lakh. from mint - money

A year after a record ₹1.5 lakh crore IPO wave, half of new listings are underwater—revealing why listing-day pops mislead and disciplined selection matters more than ever. from mint - money

A tax return is referred to as a ‘belated return’ when it is filed after the end of the original due date mentioned under section 139(1). The last date to file a belated return is 31 December. from mint - money

The minimum income requirement is an important eligibility criterion for a personal loan. The applicant’s income helps the bank assess the applicant’s repayment capacity and ability to make timely EMI payments. from mint - money

Generative AI is quietly reinforcing one of our most persistent investing biases – familiarity – thanks to inherent disparities in training data. If we’re not careful, we could find ourselves with portfolios that look eerily similar, carry the same risks, and collapse in unison. from mint - money

The amount of SIP is contingent on the rate of return on your investment. Higher the return, lower the SIP needed. Conversely, lower the return, higher the need for SIP. from mint - money

Wealth erosion is not caused by market volatility or poor investment performance, but by a fundamental discontinuity in financial acumen. from mint - money

Regularly monitor your credit score, balance credit with investments, ensure timely EMI repayments, and avoid over-leverage to strengthen your financial health for a stress-free new year. from mint - money

India's finfluencer crackdown reveals gaps in the digital-finance ecosystem, where unregulated advice thrives. Learning from global regulations, India can enhance transparency and accountability to protect young investors with low financial literacy. from mint - money

The ancient tale of Bhasmasura serves as a perfect metaphor for modern retail investors who, in their impatience for quick wealth, progressively sacrifice fundamental financial security for high-risk, high-leverage instruments. from mint - money

ITR advance tax deadline 2025: From Key dates, tax calculation to a step-by-step guide on how to pay the partial tax payment for the financial year. Here's all you need to know before the 15 December due date. from mint - money

8th Pay Commission: Government issues clarification on whether the central government employees will get dearness allowances (DA) and pay commission revisions under the new Finance Act 2025. Here's what you need to know. from mint - money

The 8th Central Pay Commission, established in January 2024, will review pay, allowances and pensions of central government employees. from mint - money

For Indian investors, the implications of the US rally are different from those for American investors. from mint - money

The Income Tax department is alerting taxpayers via SMS and email to update their returns and withdraw incorrect claims, following a crackdown on fraudulent tax claims linked to Registered Unrecognised Political Parties (RUPPs) or charitable institutions. from mint - money

Investors must evolve their thinking to adapt to constantly changing market environments, Douglas Eby writes in a guest commentary. from mint - money

A clear overview of the differences between a credit report and credit score, highlighting their purpose, impact on borrowing, and why both are essential for maintaining a strong financial profile. from mint - money

Refinancing a personal loan can cut EMIs, lower interest costs and simplify repayments by securing better terms, helping borrowers improve cash flow and strengthen long-term financial stability. from mint - money

A clear comparison of overdraft vs personal loan outlining key differences, benefits and risks to help borrowers choose suitable credit options based on cash flow needs, costs and financial goals. from mint - money

A car loan application can briefly reduce your credit score due to hard inquiries, but disciplined EMI repayment strengthens credit health and supports smarter borrowing decisions in the evolving lending landscape. from mint - money

The actual cost of owning a house can vary significantly depending on several factors, including the property’s location, price of the home, financing terms, utilities, maintenance, etc. from mint - money

Equity mutual fund inflows rose to ₹29,911 crore in November 2025, a 21.2% increase from October's ₹24,690 crore, according to AMFI data.  from mint - money

The government introduced RBI floating rate saving bonds for individual investors in 2020, replacing the 7.75% savings bonds.  from mint - money

BOBCARD Cashback Credit Card offers 5 percent cashback on eligible online transactions and 1 percent on other eligible spends. The cashback is capped at ₹1,500 per statement cycle. from mint - money

Before bringing a pet home, it is important to understand the long-term costs and responsibilities involved. from mint - money

Smart credit card strategies help users maximise rewards, control debt, manage credit utilisation and use EMIs wisely, ensuring secure financial habits and optimised credit card benefits for long-term stability. from mint - money

Pocket money introduces children to financial management, allowing them to learn from small mistakes. In India, options like savings accounts, Demat accounts, and mutual funds help minors understand investing.  from mint - money

Standard emergency funds cover job loss, but dental surgeries, home termite damage often require a separate ‘shock absorber’ fund. By earmarking specific SIPs or arbitrage funds for these gaps, investors can protect their long-term portfolios from the erosion caused by unexpected bills. from mint - money

Shyam Sekhar emphasizes the importance of a robust portfolio strategy in equity investing. As market conditions shift, investors must adapt their portfolios to mitigate risks and capture opportunities, rather than focusing solely on stock picking. from mint - money

Each AIF is different and an investor needs to understand if and where it fits into their asset allocation mix, based on their portfolio size, risk-taking ability, return expectations and liquidity considerations from mint - money

As 2025 ends, it's vital to debunk personal finance myths, especially regarding credit. Misconceptions include beliefs that BNPL doesn't affect credit scores, high income ensures good scores, and closing old cards is beneficial.  from mint - money

Axis Bank credit cardholders can transfer their reward points to 20 partners (6 hotels and 14 airlines) categorised into Group A and B. There are groupwise calendar year limits on points transfers. from mint - money

With traditional domestic mutual funds reaching overseas investment caps, this guide explores alternative routes, including Gift City funds, foreign brokerage platforms, and global mutual funds, to help build a robust international portfolio. from mint - money

From “expensive” stocks to “liquid” funds and “corrections,” everyday language in finance often means something entirely different — and it’s tripping up even sensible investors. from mint - money

RBI’s MPC delivers an unexpected unanimous 25 bps rate cut as inflation plunges to 0.25% and growth projections rise. Liquidity infusion of ₹1.5 lakh crore aims to speed up rate transmission. from mint - money

India’s life insurers are strengthening trust through faster settlements, digitized processes and tighter governance, even as challenges like nomination gaps and fraud prevention persist. from mint - money

Sharing your credit card OTP exposes users to rising digital payment fraud, with scammers exploiting urgency and personal data; safeguarding OTPs is essential to protect finances and prevent unauthorised transactions. from mint - money

FD interest rates: We list out NBFCs such as Muthoot Capital and Shriram Finance that offer high interest rates on their fixed deposits (FDs) from mint - money

Digital loans accounted for 19% of the sanction value and 80% of the sanction volume from mint - money

Despite gold’s stellar run and equities’ late-year recovery, 2025 shows why chasing performance can hurt investors. A diversified, style-balanced portfolio is key to navigating shifting market cycles. from mint - money

For credit card application approval or rejection, in addition to the credit score, a bank’s eligibility checks typically include the city of residence, employment status, minimum income, age, and residential status, among other factors. from mint - money

Investors often assume that adding a multi-asset fund equals instant diversification. But unless the allocation is meaningful, the exposure to each asset may be too small to make any real difference. from mint - money

Paying a credit card bill with another credit card is mostly restricted, but balance transfers offer a safe alternative while cash advances carry high fees and interest for cardholders. from mint - money

Sebi's move to lower mutual fund costs could help investors grow long-term wealth with smaller fees. from mint - money