PERSONAL FINANCE NEWS - Page 2

ITR FY 2024-25 AY 2025-26: Salaries individuals must know the key differences between Form 16, Form 16A, and Form 16B.

Income Tax Returns FY 2024-25 (AY 2025-26): Key differences between Form 16, 16A, and 16B

June 19, 2025 20:52 IST

Form 16, along with its two components: Form 16A and Form 16B, are certificates issued as proof that Tax Deducted at Source (TDS) has been collected and deposited with the government.

To boost your score, aim to pay your EMIs and credit card bills on time, avoid fresh credit applications unless essential, and keep your credit utilisation below 30%.

Repo rate falls to 5.5%: Three strategies to lower your home loan EMI

June 16, 2025 14:11 IST

Repo rate cut impact on home loans: With inflation in check and liquidity rising, several lenders have already offering home loans at 7.75%.

From buying to renovating: Choosing the right home loan

June 5, 2025 13:34 IST

Let’s find out what different kind of home loans are and how they can help you.

However, there are specific conditions in which individuals must still file their ITRs, even if their taxable income is below the basic exemption limit.

Income Tax Returns FY 2024-25 (AY 2025-26): Who’s exempt from ITR filing based on income?

June 3, 2025 08:18 IST

Income Tax Returns FY 2024-25 (AY 2025-26): The basic exemption limit varies depending on the chosen income tax regime. For the old tax regime, the limit is set at Rs 2,50,000, and for the new tax regime, it is Rs 3,00,000 for the financial year 2024-25.

Loan against Mutual Funds: Smart Borrowing or Hidden Risk?

May 30, 2025 13:44 IST

There’s a smarter solution called Loan against Mutual Funds (LAMF), a facility which allows you to raise funds without selling your investments.

Slow and Steady: How Much of Your Money Belongs in PPF?

May 23, 2025 13:03 IST

The strategy, essentially, is to avoid duplication. While PPF is a useful tax-saving tool, it isn’t the only one. Utilise it to complement your broader financial strategy.

Mutual Fund Moves to Make in Your 30s, 40s, 50s and Beyond

May 16, 2025 13:21 IST

As you move through your 30s, 40s, 50s, and beyond, your investment approach, particularly with mutual funds, must adapt to align with your changing life stages and goals.

Sweep-in FDs can fetch you better interest on your savings without the need to manage multiple deposits.

What are sweep-in FDs and how do they work?

May 6, 2025 17:33 IST

A good emergency fund should be easy to access while earning decent returns. Sweep-in FDs, however, combine the best of both savings accounts and FDs by allowing you to earn higher interest while also keeping funds accessible.

Akshaya Tritiya 2025: Here's a look at gold prices in India from 2000 to 2025.

Akshaya Tritiya 2025: A look at gold prices in India over the years

April 30, 2025 08:04 IST

At the beginning of 2025, gold prices have reached new all-time highs, where in India, they rose above Rs 1 lakh per 10 gm for the first time.

ITR Filing Last Date FY 24-25 (AY 25-26): Check when is the Income Tax Filing Deadline (File Photo)

ITR Filing Date 2025: Know the last date for filing income tax return in India for companies, individual, and more

April 24, 2025 12:29 IST

ITR Filing Last Date FY 2024-25: The last date to file ITR for the forthcoming financial year 2024-25 (assessment year 2025-26) will be Thursday, 31st July, 2025.

An education loan for overseas studies typically covers more than just your tuition fee.

Planning to Study Abroad? Here’s How to Secure the Right Education Loan

April 23, 2025 13:11 IST

Usually, students heading abroad for studies may not have an income or a credit history, making it harder for them to qualify for an education loan on their own.

Managing Market Swings: A Simple Guide to Rebalancing

April 16, 2025 14:22 IST

Rebalancing is an effective and essential exercise that helps you manage risk, stay on track with your goals, and avoid emotional decisions, especially when markets are volatile.

Co-branded Credit Cards: Benefits, Features, and How They Work

April 7, 2025 13:51 IST

Some cards waive annual fees if you meet a spending limit while others provide early access to sales and exclusive brand offers.

Hidden costs of buying a home – What you should know

March 28, 2025 18:52 IST

The cost of owning a house, including servicing a home loan, can be significant and must be assessed beforehand.

Enlisted below are the 10 critical financial and investment-related tasks that one must complete before March 31, 2025 deadline to wrap up the financial year smoothly and hassle-free.

10 financial tasks to complete before the March 31, 2025 deadline

March 28, 2025 12:44 IST

Financial tasks to complete before March 31: Completing these tasks before March 31 will not only ensure the saving of taxes under Section 80C but also prevent you from getting penalised and experiencing unnecessary stress.

Deciding between a credit card EMI and a personal loan depends on your needs. If you want quick, hassle-free funds and your purchase qualifies for a no-cost EMI, go for a credit card EMI. (Representational Image)

Credit Card EMI vs. Personal Loan: Which is Better for Big Expenses?

March 20, 2025 12:39 IST

Credit card EMIs allow you to convert high-value credit card purchases into smaller monthly instalments. Instead of paying the full amount upfront, you can opt for EMIs that are deducted from your monthly credit limit over a tenure of 3 to 24 months.

Gold loans are easier to get than personal loans since they require minimal paperwork and no credit check.

Gold Loans and Market Shifts: What Borrowers Need to Know

March 13, 2025 12:46 IST

Gold loans are easier to get than personal loans since they require minimal paperwork and no credit check.

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Planning to get a credit card? 6 hidden charges you must know

March 4, 2025 16:19 IST

Foreign transactions, late or partial payments, and other fees can make your card costlier than expected.

Prepayment vs. Higher EMIs – Which is the right strategy for you?

February 27, 2025 12:58 IST

Increasing your EMIs accelerates principal repayment, cutting down interest costs and loan tenure

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How FD laddering helps achieve short and long-term goals

February 20, 2025 13:49 IST

FD laddering spreads investments across multiple deposits with different maturities, ensuring regular and easy access to funds.

The choice between callable FD and non-callable FD depends on your financial needs and investment goals.

Callable vs. Non-Callable Deposits: Which One Should You Choose?

February 17, 2025 13:13 IST

Callable FDs allow you to withdraw your deposit prematurely, but at a penalty which varies from bank to bank. Non-callable FDs, on the other hand, lock in your money until maturity and do not allow early withdrawals.

Union Budget 2025: This article highlights three ways the government can encourage savings and help taxpayers tackle current economic challenges

Union Budget 2025: 3 key tax expectations in the new regime

January 22, 2025 19:13 IST

Under the new tax regime, income up to ₹7.75 lakh is currently tax-free. Raising this limit to ₹10 lakh would provide significant relief, as tax-free income works independently of tax slabs.

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Need cash urgently? Use this smart trick to borrow instantly

January 14, 2025 11:10 IST

FDs are a popular investment that many Indians use to park their funds.

7 Effective Steps to Declutter Your Finances In 2025

January 8, 2025 19:26 IST

Ensure that you review your life, health, and vehicle insurance coverage at the start of the year and adjust the coverage based on your evolving needs.