india
29 articles about india.
RBI Repo Rate Hike: What It Means for EMIs and PricesThe RBI repo rate hike to 5.50% lifts floating-loan EMIs first and cools prices later. See the rupee impact on EMIs, FDs and your monthly budget.7 October 2026 · 14 min read
Missed the ITR Deadline? What a Belated Return CostsMissed July 31? You can still file a belated ITR for AY2026-27 until December 31, 2026. The late fee, interest, old-regime lock-out and the exact steps to file.5 October 2026 · 8 min read
FD vs RD vs Savings Account: Which to Use in 2026FD vs RD vs savings account in India: current bank rates, TDS rules, tax treatment, liquidity, and the right instrument for each financial goal.2 October 2026 · 8 min read
EPF vs NPS vs PPF: Retirement Comparison for SalariedEPF vs NPS vs PPF compared on contributions, interest rates, lock-in, withdrawals and tax at maturity, and how to combine all three for retirement.5 June 2026 · 6 min read
TDS on Rent Above ₹50,000: What Tenants Must DoMany tenants think TDS on rent is the landlord's problem. If you pay over ₹50,000 a month, you must deduct, deposit and file, and penalties are steep.3 June 2026 · 5 min read
How Your CIBIL Score Is Calculated: The 5 Key FactorsWhat makes up a CIBIL TransUnion score, why it matters for home and personal loans, which habits raise it fastest and what hurts it most.1 June 2026 · 6 min read
NPS vs Mutual Funds for Retirement: Which Wins in 2026?NPS vs mutual funds for retirement: returns, 80CCD tax benefits, lock-in, annuity rules and withdrawals, with a verdict by investor profile.30 May 2026 · 6 min read
Your SIP Return Is Not CAGR: XIRR ExplainedXIRR vs CAGR: investors confuse fund CAGR with personal XIRR, and for SIPs the gap can be 3–5 percentage points. The math and a worked example.27 May 2026 · 7 min read
ELSS vs PPF: Which 80C Option Wins in FY2026-27?With PPF at 7.1% and rates falling, the ELSS vs PPF choice has shifted. Compare 10-year returns, lock-in and tax treatment for your ₹1.5 lakh 80C.25 May 2026 · 6 min read
Capital Gains Tax on Mutual Funds FY2025-26: Rates & ITR-2Capital gains tax mutual funds guide: LTCG on equity funds is 12.5% and STCG 20% from July 23, 2024. How to claim the ₹1.25 lakh exemption in ITR-2.18 May 2026 · 14 min read
HDFC AMC Cyber Incident: Are Your Mutual Funds Safe?HDFC AMC disclosed a cybersecurity incident. What happened, whether your units are at risk, what data AMCs hold about you and the steps to take now.18 May 2026 · 11 min read
Form 26AS vs AIS: Spot and Fix ITR MismatchesForm 26AS vs AIS: filing ITR from 26AS alone is risky, as AIS also shows interest, dividends and MF redemptions. How to read both and fix mismatches.16 May 2026 · 14 min read
2008 Mutual Fund Dividends: Recover Unclaimed Money (IEPF)Unclaimed mutual fund dividends from 2008: agents put investors in payout plans with wrong bank details, and lakhs now sit earning 4%. A recovery guide.16 May 2026 · 19 min read
Best FD Rates in India, May 2026: SBI, HDFC, ICICI ComparedThe best FD rates in May 2026 are falling as the RBI cuts the repo rate. Which banks still pay the most, and should you lock in before the next cut?15 May 2026 · 11 min read
How to File ITR Online for FY2025-26 (AY 2026-27)ITR filing for FY2025-26 is open, with a July 31, 2026 deadline. How to file online: choosing the form, documents needed, regime selection and common mistakes.15 May 2026 · 14 min read
Old vs New Tax Regime: Which Saves More in FY2026-27?Old vs new tax regime: the new regime is the default in India but not always better. Use this break-even analysis to see which saves you more.14 May 2026 · 14 min read
Build a ₹1 Crore Corpus With SIP: 2026 Step-by-Step GuideBuilding a ₹1 crore corpus through SIP is more achievable than most think. How much to invest, for how long, and which assumptions to stress-test first.14 May 2026 · 10 min read
Gold and Silver Import Duty Hits 15%: What Buyers Should DoThe government raised gold and silver import duty to 15% effective May 13, 2026 — up from 6%. Here's the real ₹ impact on jewellery, ETFs, and gold SIPs.13 May 2026 · 9 min read
Sovereign Gold Bond Matures at 382%: 2018 SGB PayoutSovereign gold bond SGB 2018-19 Series 1 matures in May 2026 with over 382% returns for 2018 buyers at ₹3,114. The calculation, tax treatment and outlook.13 May 2026 · 8 min read
April CPI at 3.48%: What Borrowers and Savers Should DoCPI inflation India: April retail inflation came in at 3.48%, below the RBI's 4% target. The real ₹ impact on your home loan EMI, FD returns and fuel budget.12 May 2026 · 8 min read
Home Loan Rates Fall to 7.10% in May 2026: Buy Now?Home loan interest rates hit multi-year lows after the RBI's 125 bps cuts, from 7.10%. What it means for affordability, buy vs rent and your best rate.12 May 2026 · 9 min read
New Income Tax Act 2025: ₹12 Lakh Zero Tax and Key ChangesIndia's new Income Tax Act 2025 is live from April 1, 2026: the ₹12 lakh threshold, 8-city HRA, higher senior deductions and how to pick the better regime.11 May 2026 · 9 min read
RBI Cuts Repo Rate to 5.25%: What It Means for Your EMIThe RBI has cut the repo rate 125 bps since 2025 to 5.25%. The rupee impact on your home, car and personal loan EMIs, and whether to switch lenders.11 May 2026 · 10 min read
CII Wants ₹10 Fuel Excise Cut Rolled Back: Your Petrol BillFuel excise duty: the CII wants the ₹10/litre cut rolled back gradually. Here is the real ₹ impact on your monthly petrol and diesel spend.10 May 2026 · 9 min read
PPF 7.1%, NSC 7.7%: Small Savings Rates Frozen Apr–Jun 2026Small savings rates stay frozen: PPF, NSC and Sukanya Samriddhi are unchanged for April–June 2026, the eighth straight quarter. Why, and what it means.10 May 2026 · 9 min read
EPF Interest Rate 2025-26 Stays at 8.25%: Credit DateThe EPF interest rate stays at 8.25% for FY 2025-26, a second year running. When it's credited, how it's calculated and what your EPF really earns.9 May 2026 · 8 min read
India's SIP Inflows Hit a Record ₹32,000 Cr in March 2026SIP inflows record ₹32,087 crore in March 2026, with 9.72 crore active accounts. What this record means for your own SIP and whether to raise it.8 May 2026 · 8 min read
SIP vs Lump Sum: Which Builds More Wealth in 2026?SIP vs lump sum: both grow money, but the right pick depends on markets, cash flow and risk tolerance. Here's the honest breakdown and when each wins.7 May 2026 · 9 min read
17 New Finance Calculators, All Running Client-SideFrom XIRR and APY to Sukanya Samriddhi, Stax adds 17 finance calculators India investors use on Groww, with the same math and no server-side processing.6 May 2026 · 9 min read