Personal Finance Desk

Under co-payment, a part of the hospital bill is paid by you and the remaining amount is paid by the insurer.

The impact on overall returns depends on market behaviour, the amount invested and the consistency of contributions.

Those looking to strengthen their protection can examine super top-up plans.

With features like higher returns, sweep-in FDs are a flexible investment option that can be easily opened with a linked bank account.

Investors considering a one-time investment should look beyond historical returns and growth expectations.

Policyholders preparing to port their coverage before the next renewal should look beyond headline premiums and advertised benefits.

Regular repayments, careful borrowing and better management of existing debt can gradually strengthen your credit profile.

You don't need to become rich to start investing. You need consistency, patience and a practical plan.

Learn how to check gold purity, compare buying premiums, understand jeweller buyback policies and make a smarter purchase decision.

While bonuses and gifts feel like free money, it is important to understand financial context so that you can handle your money without added stress.

Earning Rs 7.2 lakh a month after taxes, the two software professionals had the financial profile to contemplate an expensive property purchase.

Wealth does not build overnight. At times, even small amounts invested consistently can create unexpectedly big financial gains.

If you do not have an emergency fund, think about keeping some part of your savings in a savings account or a liquid fund.

If you withdraw your PF before completing five years of continuous service, the withdrawal can become taxable, subject to the applicable tax rules.

For central government employees nearing retirement, the possibility of missing out on the 8th Pay Commission's benefits remains an important concern.

The convenience of a credit card can make it tempting to spend beyond your immediate means, particularly when you have just started earning.

While receiving gifts from brothers and sisters are generally tax-free in India, rules change when cousins get involved. 

What cardholders eventually pay can be considerably more than the amount shown on their monthly statements. Failing to settle the full outstanding balance by the payment deadline can trigger interest charges, late payment fees and other costs.

Before saying yes to a CTC, it is crucial to understand the numbers on your CTC table. From salary structure to tax regime and deductions, you must tick all the boxes.

Pensioners must submit their annual Life Certificate by November 30 to avoid pension delays. Learn how to complete Jeevan Pramaan online through Aadhaar-based face authentication.