Wealth
EPFO halts GIS: These people will get higher salary
Wealth survey | Are you an honest taxpayer?
How to switch from new to old tax regime when filing ITR
IOC to transfer unclaimed shares to IEPF by this date
How to earn attractive regular income from commercial realty
What is AIS, how it helps taxpayers in ITR filing
How to know if tax demand notice has been waived
ITR FY24: Rs 1.5 lakh deductions u/s 80C if you do this
![How to register on e-filing portal to file ITR](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
How to register on e-filing portal to file ITR
How to register on e-filing portal to file ITR: To file your income tax return online, new taxpayers must first sign up online. Signing up on the e-Filing website enables you to utilize the various features and tax services offered by the portal. Below is a detailed guide to registering online on the e-filing portal for the purpose of filing income tax returns.
![Get 60% higher pension by delaying NPS exit by 5 yrs](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Get 60% higher pension by delaying NPS exit by 5 yrs
NPS exit: Many people who have not saved enough for retirement income in NPS they need to know about the options they have at the time of exit at the age of 60. By exploring deferment, continuance, and systematic withdrawal options, individuals can optimize their NPS corpus for long-term financial security and flexibility. A delay in exit can not only save taxes but can help you build big retirement kitty and hence higher pension.
![Will govt hike PPF, SCSS interest rates for next qtr?](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Will govt hike PPF, SCSS interest rates for next qtr?
PPF, SCSS, Sukanya Samriddhi interest in July-September 2024: The government is likely to announce the interest rates of Public Provident Fund (PPF), Senior Citizen Savings Schemes (SCSS), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Post Office Monthly Income Scheme (POMIS) and other small savings schemes for the July-September quarter 2024 by June 30, 2024. Will the government finally make PPF investors happy this time? Will Centre increase the interest rates of SCSS, NSC, Sukanya Samriddhi Yojana and other other small savings schemes for the July-September quarter 2024? Know what experts suggest
![Why FM should increase the 80C limit in Budget 2024](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Why FM should increase the 80C limit in Budget 2024
Section 80C deduction in Budget 2024: The 80C limit has not increased in line with many people's income and costs. Because of this gap, many taxpayers use the entire 80C limit. This is why many want this limit to be increased.
![6 stocks to watch out for an upside potential of up to 77%](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
6 stocks to watch out for an upside potential of up to 77%
Stock: PDSResearch House: JM FinancialAdvice: BuyStock Price: Rs 4411-year Target Price: Rs 780Potential Upside: 76.9%Comment: Maintain ‘buy’ as increased outsourcing by global retailers, manufacturing operations turnaround, newer revenue streams and expanding US market penetration will support strong top-line growth over three years.
![This HDFC Bank RuPay UPI card will be devalued wef from Aug 1](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
This HDFC Bank RuPay UPI card will be devalued wef from Aug 1
Here is a look at changes that will come into effect for the Tata Neu Infinity HDFC Bank Credit Card from August 1, 2024, as per FAQs posted on the bank’s website.
![LIC warns policyholders about offers to buy policies](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
LIC warns policyholders about offers to buy policies
The life insurance behemoth has urged all policyholders to proceed with extreme caution before making any decisions about their policy that might compromise their family's risk coverage and financial stability.
![Are quant mutual funds reliable to invest? Check here](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Are quant mutual funds reliable to invest? Check here
Most quant funds in India have a track record of only 3-4 years, which is too short to reliably judge their execution capabilities. Within this limited time frame, significant variance can be observed. Despite a few exceptions, most funds have struggled to outperform the market. Quant models, shrouded in secrecy, make it difficult for investors to understand their working and evaluate their reliability.
![6 recent health insurance claim rule changes](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
6 recent health insurance claim rule changes
Insurers will have to clear a health insurance claim within three hours of receiving it from the hospital during discharge. Irdai has also given a window of one hour for clearing cashless claim requests at the time of admission. All you need to know about the recent health insurance claim norm changes by the insurance regulator.
![How cheap are electric vehicle (EV) loans?](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
How cheap are electric vehicle (EV) loans?
EV loan interest rates: For electric passenger vehicles, the rates are competitive with internal combustion engine (ICE) vehicles and sometimes even lower. However, for electric two-wheelers, the rates tend to be consistently higher, varying based on the brand and the customer's credit profile.
![How to avoid delay in medical claim settlement](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
How to avoid delay in medical claim settlement
While health insurers can sometimes be blamed putting customers through unending hardship in clearing claims, many a times it’s the policyholder who is at fault. A significant portion of these health insurance claim rejections can be prevented by asking the right questions during policy selection, carefully reviewing policy documents, and conducting thorough research. This article explores common health insurance claim rejection scenarios and explains how to avoid them.
![Budget may hike standard deduction under new tax regime](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Budget may hike standard deduction under new tax regime
Will Budget 2024 increase standard deduction: The Finance Minister in the 2023 Budget included a standard deduction of Rs 50,000 for salaried taxpayers and individuals getting pensions in the new tax regime. This standard deduction was made the automatic choice, unless taxpayers chose not to take it.
![Will cryptos like bitcoin grow or disappear?](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Will cryptos like bitcoin grow or disappear?
It is important to understand network effects because it is the singular force that drives economic value in the digital economy, as opposed to the traditional economy.
![Latest gold loan interest rates of 24 banks in June](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Latest gold loan interest rates of 24 banks in June
A gold loan is a secured loan that allows you to leverage the value of your gold ornaments or jewelry to obtain funds. Latest gold loan interest rates offered by banks in June 2024.
![MF redemptions, SWP will stop if you don’t do this](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
MF redemptions, SWP will stop if you don’t do this
Mutual fund unit holders must submit nomination information in a prescribed manner and opt out of nomination if needed using a regulated declaration form.
![Ask 6 questions to avoid health claim rejections](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Ask 6 questions to avoid health claim rejections
How to buy the right health insurance policy that will pay for your claims on time? You can avert claim rejections by asking the important questions at the time of buying health insurance and reading the policy details and fine print carefully. Ask these questions while purchasing a health plan or at the time of filling a proposal form.
![Up to 9.5%: Banks offering best FD rates for seniors](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Up to 9.5%: Banks offering best FD rates for seniors
Earn FD interest rate up to 9.50%: Banks offer higher interest rates to senior citizen customers on fixed deposits than to general citizens.
![Election mkt crash has a lesson for SIP investors](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Election mkt crash has a lesson for SIP investors
Timing the market is not a reliable strategy. Trying to predict short-term market movements often leads to disappointment. What truly matters is the consistency and discipline of investing over the long term. Market fluctuations are part and parcel of investing in equities, and those who remain patient and focused on their long-term goals are more likely to reap the rewards.
![Bet on stocks that regularly beat estimates](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Bet on stocks that regularly beat estimates
Stocks to buy: Out of 304 companies, where estimates are compiled by a minimum of three analysts through Reuters-Refinitiv, 50 stocks have consistently surpassed analysts’ net profit estimates in all four quarters of 2023-24. This group of 50 stocks has delivered an average return of 72.4% over the past year, compared to the BSE 500 index’s 38% return over the same period. This data is based on closing values as of 18 June. The article explores the five companies that have been covered by a significant number of analysts and currently offer double-digit share price potential.
![Investing in IPOs? Keep these in mind](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Investing in IPOs? Keep these in mind
Are you also planning to invest in the upcoming IPOs? Brokerages often express bullish views on IPOs because increased investor participation benefits their business. However, take their advice with a pinch of salt. Here are a few things to keep in mind before you invest
![Different modes of holding mutual funds](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Different modes of holding mutual funds
The mode of holding is crucial for accessibility, management and transfer of mutual funds. In single holding, if the investor dies, heirs must provide legal documents, such as a will or probate, to claim the funds, which can be time-consuming. All you need to know about different modes of holding mutual funds
![How to build a financial bucket list to achieve goals](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
How to build a financial bucket list to achieve goals
Taking control of our money lives is something many of us are unable to do. It sounds simple, but many of us do not believe we can take charge and do something about our dreams. Slipping into excuses, living in denial of our true situation, blaming the world for our unhappiness, and assigning it to bad luck are tactics that stop us from asking what we could do.
![31% returns in 3 yrs: should you buy this MF?](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
31% returns in 3 yrs: should you buy this MF?
Nippon India Growth Fund: This fund adopted the mid-cap mandate in 2018, shifting away from its previous market-cap agnostic approach. The emphasis is on identifying growth businesses that are potential market leaders at an early stage, but without overpaying. We examine the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision.
![VRL Logistics outlook: Why analysts are bullish](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
VRL Logistics outlook: Why analysts are bullish
VRL Logistics: Analysts are confident about VRL Logistics due to its aggressive expansion and investment plans, and the promising outlook of the logistics industry. The buoyant prospects of logistics industry will continue to support the company’s growth. The company has multiple differentiators to sustain its growth momentum. An Emkay May 2024 report states that its business model will help reap benefits of operating leverage due to owned assets and branch expansion plans.
![Reduce tax outgo by Rs 75,000 with this tips](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Reduce tax outgo by Rs 75,000 with this tips
How to reduce income tax outgo: Sudhir Kaushik of TaxSpanner.com tells readers how they can optimise their tax by rejigging their incomes and investments. TaxSpanner estimates that Tuteja can reduce his tax by around Rs.75,000 if his company offers him some tax-free emoluments as well as the NPS benefit. Tuteja also needs to invest in the pension scheme on his own, buy health insurance for his parents, and avoid booking taxable capital gains.
![Tips to save money when you have a low income](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Tips to save money when you have a low income
When income is low, the ability to save is also limited. For savers like Nitin, tax-saving instruments under Section 80C may be the primary way to accumulate savings.
![Use current rally to get rid of underperformers](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Use current rally to get rid of underperformers
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
![What are dynamic asset allocation funds?](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
What are dynamic asset allocation funds?
What are dynamic asset allocation funds? 5 key points to know
![Difference between sum insured and sum assured](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Difference between sum insured and sum assured
If you are confused by personal finance terms, jargon and calculations, here’s a new series to simplify and deconstruct these for you. In the fourth part of this series, Riju Mehta explains the difference between sum insured and sum assured.
![How much to invest to save Rs 1 crore in 10 years, 15 years](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
How much to invest to save Rs 1 crore in 10 years, 15 years
Path to becoming a crorepati? Owning Rs 1 crore is an investor's dream. Strategic investments, like SIPs in equity funds, can help reach that goal. Regular investing and a long-term view are crucial. Even a Rs 1,000 SIP can grow substantially over time, thanks to compounding. Disciplined investing is key to turning your crorepati dream into reality. Here is how to accumulate Rs 1 core from mutual fund SIPs in 10 years, 15 years, 20 years and 25 years.
![Lower your capital gains tax outgo using indexation](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Lower your capital gains tax outgo using indexation
Capital gains taxation: You can save your net capital gains tax outgo by using indexation benefits allowed by income tax laws. File ITR now and pay a lower amount of capital gains tax. However do note only long term capital gains are eligible for indexation. Short term capital gains are not eligible for indexation.
![RD premature withdrawal: Eligibility, interest, other rules explained](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
RD premature withdrawal: Eligibility, interest, other rules explained
Post office RD scheme: You might have invested money in a post office RD scheme, however due to any financial need or trouble you may wish to prematurely break it. This is because a post office RD scheme has a tenure of five years from the date of opening. Read here to know more about post office RD scheme.
![Up to 8.05%: Best rate on senior citizen FDs in 3 yrs](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
Up to 8.05%: Best rate on senior citizen FDs in 3 yrs
Fixed deposit interest rates: FDs are an good fixed income investment option for senior citizens. In light of this senior citizens can now take advantage of higher interest rates being offered by various private, public and foreign banks. Read here to know more about FD interest rate offered to senior citizens.
![New fraud: 'Drug found in your parcel'; how to save yourself](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
New fraud: 'Drug found in your parcel'; how to save yourself
New parcel scam: The Central Board of Indirect Taxes and Customs (CBIC) has stated that several people complained to them about a fake parcel scam being conducted in the name of customs. In this scam you get a call from a fake officer informing you that cocaine or other drugs have been found in a parcel with your name. Read to know more about this scam and how to stay safe.
![New NPS investment to build bigger retirement corpus](https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg)
New NPS investment to build bigger retirement corpus
NPS Balanced Life Cycle Fund by PFRDA: The NPS auto choice option is suitable for those NPS subscribers who find it difficult to decide when and how much to invest in each asset class. As the equity exposure reduces each passing year, the NPS subscriber does not need to manage the allocation according to the risk appetite actively. Now the equity exposure in the Balanced Life Cycle Fund has been increased till the age of 45. So several young NPS customers will benefit from it.