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Start FY27 strong with a smart financial planning checklist covering budgeting, tax-saving investments, insurance review, emergency funds, SIP growth and portfolio rebalancing to secure long-term financial stability.  from mint - money

RBI Sachet Portal helps users verify financial institutions, report fraud, and track complaints. from mint - money

The only way to truly learn investing is to live through the fear and the panic—because markets don’t test your knowledge, they test your nerve. Real conviction is forged not in bull runs, but in moments when staying invested feels hardest. from mint - money

8th Central Pay Commission Dehradun Visit 2026 invites stakeholders for consultations on pay, allowances, and pensions. The deadline to submit participation requests for the 24 April meeting is 10 April. from mint - money

A flat 12% surcharge on buyback gains has replaced the old slab-based system, creating a surprising divide between small promoters and the corporate elite. from mint - money

Paying EMIs on time alone isn’t enough, high credit utilisation and frequent loan applications can still hurt your credit score by signalling over-dependence on credit. from mint - money

April 1 Financial Changes LIVE: One of the most significant changes from 1 April is the implementation of the new Income Tax Act, 2025. Follow Mint's LIVE coverage of 1 April financial rule changes. from mint - money

You should register on the income tax e-filing portal using your PAN, add your email ID, and update your address to your current foreign residence as an immediate step from mint - money

April 1 Financial Changes LIVE: A host of new changes are coming into effect from 1 April, 2026, as the new financial year begins. Follow Mint's LIVE coverage of 1 April financial rule changes. from mint - money

Sebi has proposed prepaid ‘Gift PPIs’ that let you gift up to ₹10,000 for mutual fund investments — a move aimed at easing first-time investors into the market. from mint - money

In its notification on Thursday, the government said it was slashing the special additional excise duty on petrol from ₹13 per litre, to ₹3 per litre. Similarly, the duty on diesel was reduced from ₹10 per litre to nil. Here's what that means for your pocket. from mint - money

With easy rate cuts on hold, borrowers should expect stable EMIs. The focus should be on affordable loan choices, disciplined repayment, and careful planning, as higher inflation and global uncertainties may push borrowing costs higher in the future. from mint - money

Financial and regulatory changes in April 2026 include new tax rules, higher rebates, updated TDS forms, increased banking charges, changes in fuel prices and new travel refund rules. Here are 10 financial changes to look out for. from mint - money

Timeless investment lessons from ‘Think and Grow Rich’ show key strategies to stay confident, make smarter decisions, and grow wealth even during uncertain and volatile market conditions. from mint - money

Form 130 replaces Form 16 from April 2026, simplifying TDS reporting by providing structured details on income, deductions, and tax, helping taxpayers ensure accurate filings and better compliance. from mint - money

Here is a primer on investment options, which come under the EEE (Exempt, Exempt and Exempt) category in tax parlance, that do not attract any tax at any stage. from mint - money

Economic growth in India is propelled by self-reliance and the empowerment of youth through diverse career opportunities. Financial inclusion initiatives have significantly improved access to banking, enabling young Indians to develop informed financial habits and manage their credit effectively. from mint - money

While financial rules of thumb offer a convenient starting point for the undisciplined, they often collapse under the weight of unique life circumstances and market volatility. from mint - money

An Indian citizen must designate all his existing bank accounts as NRO accounts as soon as he becomes a non-resident under FEMA. He can also open an NRO account at any time after becoming an NRI. from mint - money

Wondering if you are financially free? Learn how the ‘33x rule' is reshaping retirement planning and setting a benchmark for lasting security. from mint - money

Tata AIA new funds launch opens the door to innovation driven equity and global AI technology investments, offering a compelling mix of growth potential and long term wealth creation within ULIPs. from mint - money

Credit card scams are on the rise as fraudsters target users through phishing, vishing, skimming, fake rewards, public Wi-Fi, and apps. Here are 5 ways to stay protected from credit card scams. from mint - money

A disciplined asset allocation strategy—not stock picking—drives most portfolio returns. Here’s why diversification and multi-asset funds are critical in volatile markets. from mint - money

8th Pay Commission timeline, arrears rules and union demands highlight uncertainty on implementation date, retrospective benefits, fitment factor proposals and pension reforms impacting employees and pensioners. from mint - money

Interest accrued on the accumulated balance, post cessation of employment, the period when no contribution is made to the EPF, is taxable. from mint - money

Leveraged stock buying is booming in India, but margin calls, interest costs, and haircuts can quickly magnify losses for retail investors from mint - money

Investors should stay conservative and look at categories such as short-duration funds, corporate bond funds with high-rated portfolios, banking and PSU debt funds, and gilt funds. These categories can add fixed returns and regular payouts while keeping credit risk lower. from mint - money

A World Cup win, a war, oil at $119, drones over refineries, a bank chairman’s exit—and the month isn’t even over. The market panic still belongs to borrowed-money investors, not you. from mint - money

The deadline for filing income tax returns for assessment year 2025-26 was extended to September 15, 2025. Many taxpayers are still waiting for refunds. Here's why it may be delayed and what happens next. from mint - money

Financial mistakes young professionals make include overspending, delaying investments, and poor planning, highlighting the importance of disciplined saving, early investing, and smart money habits for long-term financial stability. from mint - money

India’s accredited investor base has more than tripled in under a year, now accounting for 30% of AIF investments, as Sebi expands access to high-risk, high-return opportunities. from mint - money

Managing personal finances involves consulting experts, prioritizing high-interest debt, and implementing effective budgeting strategies. Establishing an emergency fund and reviewing expenses can help regain control over finances and improve long-term financial health. from mint - money

Effective salary splitting and budgeting depend on personal financial situations. Common strategies include 50-30-20 and 70-20-10 rules. Engaging a financial advisor before making decisions helps in managing expenses, savings, and aligning financial goals for better wealth management. from mint - money

Personal loan interest rates in March 2026 vary across top lenders, making comparison essential to reduce EMIs and total cost while considering fees, tenure, credit score, and hidden charges. from mint - money

Senior citizens can enhance safety and wealth by choosing the right bank and FD tenure. Comparing interest rates is crucial, as many banks offer an extra 0.50% for seniors, making these FDs more attractive for retirees. from mint - money

Starting 1 April, taxpayers must disclose their relationship with landlords when claiming House Rent Allowance (HRA), especially if rent exceeds ₹1 lakh annually. Here's what happens if you ignore or misreport the details.  from mint - money

India's credit ecosystem is evolving, with women emerging as a significant force. They represent 27.6% of retail credit and show faster growth rates compared to men.  from mint - money

Market falls trigger fear, but history shows exits often cost more than corrections. The real risk isn’t volatility—it’s missing the rebound while waiting for clarity. from mint - money

Longer lifespans and shorter careers mean affluent Indians must plan for a 30-year retirement, not 15—requiring disciplined investing, diversified income and strong health coverage. from mint - money

Warren Buffett's investment lessons highlight patience, value investing, and long-term thinking, helping investors navigate market volatility, avoid panic, and build sustainable wealth through disciplined decision-making. from mint - money

Consistency and patience—not constant churn—drive long-term wealth in equities. Yet resisting short-term noise remains the toughest discipline for most investors. from mint - money

Falling markets and negative returns are testing investor discipline, but the math of rupee cost averaging favours staying invested. from mint - money

Digital arrest scam exposes how fraudsters use fear and fake authority to steal money, highlighting key warning signs and essential safety steps to protect finances from cybercrime threats. from mint - money

The advance tax payment deadline was on 15 March. Taxpayers can check your payment status online, check and download your payment challan and make corrections. Here's where and how… from mint - money

Taxpayers who missed the 15 March advance tax deadline can still make the payment. However, delays incur interest under Sections 234B and 234C. Here's what they should do now.  from mint - money

As investors rush to optimize taxes before the financial year ends, experts warn that tax harvesting can trigger poor portfolio decisions and behavioural mistakes that undermine long-term returns. from mint - money

Top-up policies are a cost-effective way to boost health insurance cover, but deductibles, paperwork and insurer coordination can complicate claims. from mint - money

If you had entered into an agreement with the builder in 2013 and the registration was undertaken only in August 2025, the date of acquisition would be the date of the agreement, i.e. 2013, and not the date of registration. from mint - money

Section 54F exemption is unavailable because the residential property was acquired more than one year before the sale of the MF units. While the exemption fails the timing criteria, taxpayers can still use Section 80C and Section 24 deductions for principal, interest repayments under old tax regime. from mint - money

The final advance tax payment deadline for FY 2025-26 is 15 March 2026. Payments can be made via the e-filing portal, including credit cards, which may incur fees. Details here.  from mint - money

Through a series of legislative changes in 2025 and 2026, India has operationalized a reporting framework aligned with the OECD’s Crypto-Asset Reporting Framework, aiming to move crypto from an opaque asset class into a transparent financial instrument. from mint - money

Mutual Funds, which deploy money exclusively in shares of PSUs, are among the only three equity fund categories that have given positive returns so far in 2026. from mint - money

The Public Provident Fund is a low-risk savings scheme with a fixed interest rate of 7.1%, suitable for retirement planning and tax benefits. Here's how you can withdraw your funds before the lock-in period ends… from mint - money

An individual can choose a life cycle fund that aligns with their financial goal date. The fund has a diversified portfolio, starts with a higher equity allocation, and follows a glide path towards maturity. from mint - money

The new Income Tax Act will come into force from 1 April 2026. Experts suggest that the new rules will be beneficial to salaried employees who opt for the old tax regime, as they will be able to claim higher exemptions and deductions.  from mint - money

With the three-bucket retirement strategy, you can meet your regular monthly expenses, keep a cushion for the medium term, and grow your wealth in the long-term. The buckets provide flexibility to adjust funds within each bucket and offer complete control. from mint - money

The final advance tax payment for FY 2025–26 is due on 15 March. Taxpayers must estimate their income and pay in four instalments to avoid interest charges. Here’s your complete guide to clearing dues online. from mint - money

Income Tax: The Union Budget 2026 introduces amendments to the Income Tax Act that simplify compliance for taxpayers. Here is a list of crucial changes for Indian taxpayers.  from mint - money

Renting furniture and appliances is gaining popularity among urban professionals seeking flexibility and lower upfront costs—but hidden charges and long tenures can make buying the smarter financial choice. from mint - money

SIFs sit between mutual funds and PMS, offering advanced strategies like long–short equity and derivatives exposure—but investors must understand the risks before allocating capital. from mint - money

When conflict rattles markets, fear dominates, but smart investors see beyond the headlines. from mint - money

While a registered gift may seem final, Indian courts are increasingly using maintenance laws to strip away property from heirs who fail to care for their elderly parents. from mint - money

Oil spikes, FII selling and geopolitical tensions have shaken markets and retail portfolios. Experts say investors should stay disciplined, deploy cash gradually and rebalance portfolios if allocations have drifted.  from mint - money

Global equity schemes allow investors to tap opportunities across markets worldwide. Strong demand has pushed international ETFs to trade at a premium to domestic ETFs. Should Indian investors still buy in? from mint - money

The global economy faces challenges from political conflicts and trade policy changes, affecting financial systems. Credit plays a crucial role in maintaining resilience, as lenders must identify stable borrowers while managing risks, to ensure long-term financial stability. from mint - money

Egg freezing can resemble an insurance policy more than a traditional investment, something that requires planning but may never need to be used. from mint - money

Observe how a fund behaves under different conditions. The aim is not to predict which worldview markets will reward next. It is to make decisions investors can live with over time. from mint - money

Gold loans are shedding their “last-resort” image as record prices unlock higher borrowing capacity. Experts say disciplined borrowing and awareness of LTV risks are key as more households monetise idle gold. from mint - money

Deepak Shenoy has alerted people to fake tax notices being circulated via email, urging vigilance against fraudsters during tax season. Here's how to check whether your tax notice is genuine and what steps to take next. from mint - money

Central government employees must choose between NPS and UPS. Our simulations show that replicating UPS’ assured, inflation-linked pension through a market-linked NPS corpus is difficult in most realistic scenarios. from mint - money

The Core and Satellite portfolio strategy combines stable, long-term investments (Core) with higher-risk, high-reward opportunities (Satellite). Here's why this combination approach could be worth exploring… from mint - money

Tax savings FDs vs National Savings Certificate? Check details and rate of interest to choose what works best for you from mint - money

Many women have been accustomed to signing financial documents without full understanding, largely because they were not actively included in financial decision-making. Take the time to read, ask questions and fully understand financial documents from mint - money

NBFCs usually provide fixed deposit rates higher than traditional banks, reaching up to 7-8%. Here's how much interest rate top financial institutions are offering in India. from mint - money

Owning property is key to financial security, yet many women still miss out on their rightful inheritance. Here’s what the law provides and the steps women can take to claim their share. from mint - money

Gold ETFs and FoFs provide digital ownership with no storage and insurance costs, ease of buying and selling, etc. Gold coins and bullion provide tangible ownership with immediate possession, while gold jewellery serves investment and consumption needs. from mint - money

What happens if the head of the household goes away? What if the PMS house that takes care of the money wants to change things up or sell its business? What happens to the portfolio when the individual who made the money is no longer there? from mint - money

Taxpayers under the old tax regime can claim up to ₹1.5 lakh deduction under Section 80C. But can these tax-saving investments help during a cash crunch? Here’s when and how you can access the money. from mint - money

The Central Information Commission has urged the Income Tax Department to create a taxpayer-friendly mechanism to address grievances, noting that taxpayers often struggle to resolve discrepancies in TDS. from mint - money

Women often run household budgets but remain underrepresented in investment decisions. Five fund managers share how they built credibility in finance and what women must do to move from saving to investing. from mint - money

The compound interest is credited by EPFO on a monthly running balance basis at the statutory rate declared for each year. For 2024-25, EPFO declared an interest of 8.25%. from mint - money

Doing so essentially involves moving from a regular plan, where commissions are built into the expense ratio, to a direct plan. from mint - money

The EPFO has approved an interest rate of 8.25% on EPF deposits for 2025-26, maintaining the rate for the second year.  from mint - money

A windfall gain or retirement corpus can be hard to manage without falling prey to poor timing or tax inefficiency. Here are two mutual fund tools that help investors deploy lump sums gradually and generate tax-efficient monthly income  from mint - money

FD rates comparison: Here's a look at the latest bank fixed deposit rates offered by the biggest lenders State Bank of India, ICICI Bank, HDFC Bank, Kotak Mahindra Bank and Yes Bank. from mint - money

Here is everything you need to know about what is advance tax, when is advance tax deadline, what are the penalties for missing advance tax deadline and more. from mint - money

As leadership shifts from large-caps to small-caps and back again, portfolios that evolve with the cycle are structurally better positioned. from mint - money

If an NRI resident in the UAE works entirely outside India but is paid by an Indian company, taxability hinges on where employment is exercised under domestic law and the India-UAE DTAA. from mint - money

The income tax officers are not supposed to seize any gold jewellery within the limits specified, irrespective of the level of standard of living or the status of the person in society being raided. from mint - money

Major issuers HDFC Bank, American Express, SBI Card and ICICI Bank have reworked reward structures and tightened lounge access rules. Find out why your card benefits are shrinking and what you should do next. from mint - money

If one fund in your portfolio underperforms, there's a high probability that the others may also perform similarly. Because of these overlaps, what appears to be a well-diversified portfolio may actually be concentrated. from mint - money

If your total income does not exceed the basic exemption limit, no tax liability may arise. from mint - money