Personalfinance

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Diwali special: Don't let cashback discount offers take you for a ride
News & Analysis

Diwali special: Don't let cashback discount offers take you for a ride

We are no way suggesting that all cash back offers are not genuine, but most do come with certain terms and conditions, and knowing them in advance is better than getting taken aback later

Diwali special: Don't let cashback discount offers take you for a ride
Business

Diwali special: Don't let cashback discount offers take you for a ride

We are no way suggesting that all cash back offers are not genuine, but most do come with certain terms and conditions, and knowing them in advance is better than getting taken aback later

How guaranteeing a loan can affect your credit score and history
Investing

How guaranteeing a loan can affect your credit score and history

If lenders feel that the financial health of the end borrower cannot be determined standalone, or in case the borrower has no source of income, another option to get a loan processed includes involving a guarantor

Bonds to loans: What RBI policy means for retail investors
Investing

Bonds to loans: What RBI policy means for retail investors

It is too early to say if banks will pass on the hike in rates to customers, or hike FD rates or choose to absorb it and continue lending on current terms

Mutual Funds: Which is better higher or lower NAV?
Investing

Mutual Funds: Which is better higher or lower NAV?

Ideally, most would say the one with the lower NAV would work better. After all the lower the NAV, the larger the number of units you get, isn't it?

Insurance for HIV/AIDS a reality soon: All you need to know
Investing

Insurance for HIV/AIDS a reality soon: All you need to know

IRDA has asked insurance companies to put in place a board approved underwriting policies with respect with life insurance for people living with HIV/ AIDS. The underwriting policy is to cover clear guidelines on life insurance with people living with HIV/AIDS (PLHA).

Good news: Senior citizens get tax break on income from house
Investing

Good news: Senior citizens get tax break on income from house

With an aim to make the reverse mortgage facility more attractive for senior citizens, the government has decided to give tax break on installment earned by pledging his residential property.<br /><br />

Tax-free bonds are going cheap: should you buy them?
Investing

Tax-free bonds are going cheap: should you buy them?

For retail investors, this could be a good opportunity to buy directly from the market giving these higher YTMs

EPF scam: Withdraw or transfer your balance, but don't keep it idle
Investing

EPF scam: Withdraw or transfer your balance, but don't keep it idle

If you have changed jobs and not bothered to either withdraw the funds or get the balance transferred to the new EPF account, please withdraw the money from your erstwhile EPFO account. Here's why.

Bank ATM goof-ups and how to handle them
Investing

Bank ATM goof-ups and how to handle them

Irrespective of which bank's ATM you use, ensure that you get in touch with your bank (the bank which has issued your debit card) and file the complaint. And if you don't get a timely resolution for your bank's side, don't hesitate to approach the banking ombudsman.

PSU banks cut rates on retail loans, but you should be wary
Investing

PSU banks cut rates on retail loans, but you should be wary

Dena Bank Ltd has a home and car loan combo deal where home loan will be a 10.25 percent while car loan would be 11.75 percent. While the bank's corporate salary account holders would get consumer durables at a discount of 100 basis, at 12 percent.<br /><br />

Good news: Filing online PF account transfer claims become a reality
Investing

Good news: Filing online PF account transfer claims become a reality

At present over 30,000 employers or establishments have already registered their digital signatures with EPFO.

Why you need to be careful when your bank changes your home loan rate
Investing

Why you need to be careful when your bank changes your home loan rate

A simple online search on home loan complaints will throw various cases where banks have goofed up with customer's home loan agreement. It is thus wise to figure out what can go wrong in advance, so that you can be cautious and avoid having to face an unpleasant situation

Study abroad: How to select a suitable student travel insurance policy
Investing

Study abroad: How to select a suitable student travel insurance policy

What are the factors one must look into while choosing a plan?

Why you should not ignore Hudco's tax free bonds
Investing

Why you should not ignore Hudco's tax free bonds

The annual interest with these bonds is better than the post-tax returns you would have earned on fixed deposits, which is 6.3-6.6 percent for highest tax bracket

Hospital costs, doctor's visit: How to choose a perfect health plan
Investing

Hospital costs, doctor's visit: How to choose a perfect health plan

A good medical cover should, however, include hospitalisation, doctor visits, medicine, emergencies, dental and vision issues, accident cover, lab tests, rehabilitation expenses, and a stipend/ cash cover for the period that you are out of action due to an illness/ injury.

Why mobile banking is more on paper and less on mobile
Investing

Why mobile banking is more on paper and less on mobile

There is no doubt that mobile subscriber base as well as consumer opting for mobile banking is increasing in India. But, challenges like education and awareness, complexity of operations, handset and security issues along with pricing issues amongst various players first need to be sorted out