Personal Finance

Locking in the most competitive home loan rate is essential for maximising savings over the life of a mortgage.

The employee forum is expected to firm up its demands related to fitment factor, allowances, arrears and the date of implementation of 8th Pay Commission.

While companies offer packages as small as Rs 5 lakh or even lower, a careful review of the right plan is necessary to stay protected from medical inflation.

A PPF loan can be taken between the 3rd and 6th year and is capped up to 25% of the balance in the account.

The government has kept the interest rates on small savings schemes unchanged for the eighth consecutive quarter. Among the small savings schemes, the Senior Citizen Savings Scheme (SCSS) continues to offer the highest interest rate.

While the HUF structure offers planning flexibility, it is subject to strict anti-avoidance rules. 

FD-backed credit cards are ideal for individuals who do not meet regular credit card eligibility due to low credit scores.

They emphasised the need to address these issues to ensure that the process doesn't restrict comprehensive participation and detailed inputs.

EPFO members can place a request through the EPFO portal or the UMANG app to withdraw their PF amount.

DSP Mutual Fund's candid ad on market uncertainty has polarised social media. While some praise its honesty, others fear it could rattle nervous retail investors.

Small savings schemes may deliver steady returns, but it's important for investors to consider factors like financial goals and liquidity needs before putting money in.

The government has opted to hold small savings rates steady for the first quarter of FY27, maintaining rates of up to 8.2%.

The Ministry of Finance earlier informed Parliament that the central government constituted the 8th CPC on Nov. 3, 2025.

Errors in the joining and exit date of your EPFO account may cause problems while claiming benefits.

With this rule, now more workers will be able to claim gratuity sooner, making post-employment benefits more accessible for millions of formal sector workers in India.

Taxpayers will continue to file their ITR for FY26 under the current rules. The new IT Act 2025, effective April 1, will apply to returns filed in June 2027.

Oracle has about 30,000 employees in India, which includes about 12,000 people who have been affected by the recent layoffs.

Investing in PPF before April 5 each year ensures maximum interest earnings and can significantly increase your final corpus.

Schemes such as the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), National Savings Certificate (NSC), and Kisan Vikas Patra (KVP) will continue to offer the same returns as the previous quarter.

The Income Tax Department has notified ITR-1 to ITR-7 for AY 202627 with key updates, including a four-year window to file updated returns (ITR-U) and revised penalty structure.