Personal Finance Articles

A birthday gift does not have to be a physical item. Stocks or mutual fund investments can also be gifted, giving the recipient an asset that they can hold and potentially benefit from over time. However, gifting securities in India involves a few pr

Your bank may soon be bound by tighter rules on how it sets and publishes fixed deposit interest rates. On July 30, 2026, the Reserve Bank of India amended its directions on interest rates on deposits, permitting banks to offer different interest rat

When most Indian investors think about building a portfolio, the conversation usually revolves around two big buckets. There are equity mutual funds for long-term growth, and there are debt funds or fixed deposits for safety. Almost every SIP, every

Most Indian investors have heard of the Nifty 50. It is the index of the country's fifty largest listed companies, and it is usually where a first-time investor begins the passive investing journey. Many have also heard about mid-cap funds, often des

The government has officially brought in the Employees' Provident Fund (EPF) Scheme, 2026, replacing the framework that had been in place since 1952. The revised scheme came into force on June 29, 2026, under the Code on Social Security, 2020. For

Every Budget season brings the same question back into circulation. If the government wants taxpayers to move to the New Tax Regime, why does it keep extending the deadline for the Old one instead of phasing it out altogether? The official explanatio

Travel to foreign countries is common during summers in India. But while all the usual arrangements are being made for traveling, there is an obligation which tax practitioners highlight that usually surprises people. Expenditure incurred on foreign

1. What are ETFs ETFs are known as investment funds that trade on stock exchanges, similar to shares. They pool money from countless investors and invest in a basket of assets like gold, bonds, stocks and various other securities. The majorit

Why Your 50s are Critical for Retirement Planning The 50s are usually known as the highest earning years. This makes it the perfect time to speed up retirement planning in 50s and also fix all financial gaps. Invest in Indian Markets and Unl

Why Retirement Planning Becomes Serious in Your 40s Retirement planning at 40 allows you to define the path to financial independence. You can devise the strategies in the following ways: Invest in Indian Markets and Unlock Futur

Why Your 30s Are Crucial for Retirement Planning A retirement plan in 30s is important because maturity has already set in during this time. You are more responsible, and now you don’t just focus on yourself, but also on your family. Thus, you c

Retirement feels like a distant concern when you are in your 20s. With a first salary, new expenses, student loans, and an entire career ahead, putting money away for something 35 years away rarely feels urgent. Your 20s feel like it's too early to t