Personal Finance
Latest news, explainers and analysis on Personal Finance. Tracking 29 stories on Arth Vani.
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BreakingReceived Gifts? Understand When Cash, Property, or Shares Become Taxable in India
Gifts received in India, whether cash, property, or shares, can be subject to income tax depending on the relationship with the giver and the value of the gift. While gifts from specified relatives are fully exempt, others might attract tax under 'Income from Other Sources'. Taxpayers must be aware of these rules to ensure proper reporting in their Income Tax Returns.
RBI Flags Red: Fintech Small Loans See Rising Risks & Delinquencies
Fintech lenders now dominate India's small personal loan market, especially for amounts under ₹50,000. However, the Reserve Bank of India (RBI) is cautioning against rising risks, as these popular loans, often unsecured and targeting younger individuals, are experiencing significantly higher delinquency rates.
Trump’s Tax-Free Child Savings Plan Gains Bipartisan Support in US
Donald Trump’s proposal for tax-free investment accounts for children has received unexpected praise from Democratic rivals. The policy aims to help families build long-term wealth for their children through tax-advantaged savings.
Resist New Car Temptation: Think Wealthy, Save Lakhs
Many Indians are tempted to buy new cars even when their current vehicle is perfectly functional. Financial experts suggest adopting a 'wealthy mindset' to avoid unnecessary debt and save significant amounts of money. This approach prioritizes long-term financial goals over immediate gratification.
AI's Hidden Cost: Is Artificial Intelligence Making Everyday Life More Expensive?
The Federal Reserve suggests that the widespread adoption of Artificial Intelligence (AI) could lead to sustained upward pressure on prices. This means Indian consumers might experience higher costs for various goods and services as businesses integrate AI into their operations.
BreakingConfused Which ITR Form to File? Income Tax Portal Guides You
The Income Tax e-filing portal now simplifies the process of choosing the correct Income Tax Return (ITR) form for taxpayers. It uses eligibility conditions and a guided questionnaire to help users identify the right form and applicable schedules, making tax filing easier.
BreakingInternational Mutual Funds: Only One Scheme Open for New SIPs as 11 Halt Inflows
New Systematic Investment Plan (SIP) registrations into international mutual funds have largely stopped, with 11 schemes from major fund houses like PGIM, Franklin Templeton, and Edelweiss suspending fresh inflows. This leaves only one international mutual fund currently open for new SIP investments. Existing SIPs, however, will continue to operate without interruption.
IRA Withdrawals: Why Age 63 Could Be Your Costliest Year
For those with Individual Retirement Accounts (IRAs) in the US, age 63 can be a surprisingly expensive year due to Medicare's look-back period. This rule can impact your health insurance premiums based on your income from two years prior.
What's a Good Savings Account Interest Rate in India for 2026?
Understanding what constitutes a 'good' savings account interest rate in India for 2026 requires looking beyond just the headline number. Factors like inflation, bank type, and account features play a crucial role in determining the real value of your savings.
Shriram Finance Hikes FD Rates: Senior Citizens Can Earn Up to 8% Annually
Shriram Finance Limited has increased its fixed deposit interest rates, effective July 2, 2026. Senior citizens can now benefit from an attractive annual interest rate of 8% on specific fixed deposit tenures, while regular depositors will receive up to 7.50%.
Home Loan Rates Inch Up Past 6.5% Amid Rising Oil Prices
Mortgage interest rates in India are showing signs of increasing, with some lenders now offering rates above 6.5%. This trend is partly influenced by the recent surge in global oil prices, which can impact inflation and borrowing costs.
Beyond S&P 500: Investors Eyeing Value Stocks for Better Returns
As the S&P 500 faces challenges, many investors are shifting focus to value stocks. This strategy prioritizes companies with solid fundamentals trading below their intrinsic worth, aiming for steadier growth.
Breaking8th Pay Commission: Estimated Arrears for Central Govt Employees (Level 2-4)
Central government employees at pay levels 2-4 could see significant arrears with the 8th Pay Commission. Estimates suggest potential arrears ranging from ₹44,720 to ₹1,06,210, depending on the fitment factor applied. This calculation is based on a potential implementation from January 1, 2026.
BreakingPFRDA Eyes Global Funds for NPS Growth, Boosts Subscriber Returns
India's pension regulator, PFRDA, has formed a committee to attract international pension capital. This move aims to enhance the National Pension System (NPS) by fostering collaborations and co-investments, potentially leading to better returns for subscribers.
Dividend Income vs. Tax Deferral: What Indian Investors Can Learn from Global Trends
Understanding the difference between reliable dividend income and tax-deferred growth is crucial for Indian investors. While global examples like Target highlight consistent dividend increases, Indian investors need to consider their own tax implications and investment goals.
BreakingITR-2 Filing Guide: Steps for Individuals & HUFs on Income Tax Portal
Individuals and Hindu Undivided Families (HUFs) not eligible for the simpler ITR-1 form can now file their Income Tax Returns (ITR) using the ITR-2 form online. This guide outlines the essential documents and the step-by-step process for submission on the official income tax e-filing portal.
BreakingGold Prices Dip Slightly Today: Check Rates at Major Retailers
Gold prices have seen a minor decrease today across leading Indian jewellers like Tanishq and Malabar Gold & Diamonds. While retailers adjusted their 22-carat gold rates downwards, the India Bullion and Jewellers Association reported an increase for other gold and silver purities.
India Can Learn From UK's 'Buffett': Master Investor Anthony Bolton's Timeless Lessons
Legendary British investor Anthony Bolton, known for nearly 20% annual returns, offers valuable insights for Indian retail investors. His approach prioritizes temperament, independent thinking, and patience over complex strategies, focusing on understanding businesses and buying quality at fair prices for long-term wealth.
BreakingGold Prices Dip: Is This the Right Time for Indian Households to Buy?
Gold prices have seen a sharp correction from recent record highs due to a strengthening US dollar and rising bond yields. Market experts suggest this dip offers a strategic entry point for retail investors to accumulate the metal through staggered purchases.
Market Manias Are Timeless: Thorp's Wisdom for Indian Investors
Financial markets have always been susceptible to waves of greed and fear, not just in the digital age. Legendary investor Edward Thorp reminds us that human emotions drive speculative bubbles, making independent thinking and a focus on fundamentals crucial for long-term success.
BreakingDecoding Investments: Why Simple Strategies Beat Complex Jargon
Investment wisdom from Dean Williams suggests that overly complex strategies may hide serious flaws. For Indian retail investors, prioritising clear, understandable investment approaches is crucial to avoid hidden risks and ensure sound financial decisions, often proving to be a powerful market advantage.
Father’s Day: Why Micro-Investing Is the New Financial Legacy for Modern Indian Dads
Modern Indian fathers are moving away from traditional one-time asset transfers like gold or property. Instead, they are gifting their children a 'behavioral legacy' by teaching them financial discipline and the habit of micro-investing through digital platforms.
Want Better Returns? Why a Simple Checklist is Your Best Investing Tool
Most retail investors lose money by following emotions or market noise rather than a disciplined process. By using a structured checklist, investors can remove bias and focus on high-quality businesses for long-term wealth creation.
Portfolio Yoga: Why Every Indian Investor Needs Bonds for Market Stability
In an era of unpredictable market swings, asset allocation acts as a vital shock absorber for retail investors. By balancing high-growth equities with stable bonds, investors can protect their wealth from sudden global and domestic shocks.
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