personal-finance
18 articles about personal-finance.
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
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
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
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