Personal Finance
Latest news, explainers and analysis on Personal Finance. Tracking 266 stories on Arth Vani.
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BreakingEPF Withdrawal: How Much Can You Take From ₹1 Lakh PF Balance for Specific Needs?
The amount you can withdraw from your Employees' Provident Fund (EPF) balance, even from ₹1 lakh, depends entirely on the reason for withdrawal and specific EPFO rules. Common reasons like unemployment, medical emergencies, or housing have different limits, often capped at percentages like 75% or 90% of your total corpus. Understanding these rules is crucial to determine your eligible withdrawal amount.
BreakingHome Loan Management Takes Center Stage Amid Rising Interest Rates
As interest rates continue to climb, Indian homeowners are increasingly looking for strategies to manage their home loan EMIs. A recent report from Hindustan Times highlights this critical financial challenge facing retail borrowers.
BreakingCouples in Their 40s: Why a Dual Portfolio Strategy Makes Financial Sense
Couples in their 40s can benefit significantly by adopting a 'two-portfolio household' approach, rather than pooling all finances. This strategy helps align individual financial goals, optimize risk profiles, and maintain clarity over diverse investment objectives like retirement and child's education.
BreakingUnlock Wealth: How Small, Consistent Investments Can Supercharge Your Portfolio
Building significant wealth doesn't always require large sums upfront. Global financial discussions, including insights shared by CNBC featuring Jim Cramer, highlight that small, consistent investments, when compounded over time, are key to substantial wealth creation for retail investors.
BreakingISB Professor Warns Zero Real Interest Rates From RBI Policy Pose Economic Risks
An Indian School of Business (ISB) professor has cautioned that the current 'zero real interest rates' in India are unsustainable and present significant risks. This situation, attributed to the Reserve Bank of India's (RBI) monetary easing policies, could erode the purchasing power of savers and lead to broader economic challenges.
BreakingIndian Inflation Could Hit 7%, RBI Might Hike Interest Rates by 1.50%: Report
A recent report by BW Businessworld suggests India's inflation rate could climb to 7%. In response, the Reserve Bank of India (RBI) might increase key interest rates by 150 basis points, or 1.50 percentage points, to control rising prices.
8 Banks Raise Loan Rates; ₹30 Lakh Loan EMI Up ₹470 Approximately
Eight Indian banks have reportedly increased their loan interest rates, directly impacting borrowers. This adjustment means individuals with a ₹30 lakh loan can expect their monthly EMI to rise by approximately ₹470. Borrowers are advised to check their latest statements for changes.
BreakingNifty 50 Fell 7.1% in a Year: Why Diversifying Beyond Indian Equities Matters
With the Nifty 50 index falling by 7.1% over the past year, many Indian mutual fund investors are seeing their portfolios in the red. This downturn highlights the critical importance of diversifying investments beyond a narrow focus on Indian equities to include other asset classes like US equities, gold, and debt instruments.
Master Stock Picking: Peter Cundill's Timeless Lessons on Patience, Research, and Value
Legendary investor Peter Cundill emphasized three pillars for successful stock picking: patience, thorough research, and a strong focus on value. These fundamental principles remain crucial for Indian retail investors navigating the dynamic stock market, aiming for long-term wealth creation.
BreakingCar Loan Rates Start at ₹7.35%: Compare EMIs Across 18 Lenders
Prospective car buyers can find interest rates for car loans starting as low as 7.35% from a pool of 18 lenders, according to recent data from Paisabazaar. Comparing factors like EMIs and processing fees for a ₹5 lakh loan over five years is crucial for significant savings.
BreakingF.I.R.E. Strategy: A Guide to Planning Your Early Retirement Corpus
The F.I.R.E. (Financial Independence, Retire Early) strategy empowers individuals to achieve financial freedom sooner than traditional retirement age. It focuses on aggressive saving and strategic investing to build a corpus large enough to cover all living expenses without active employment.
BreakingSBI Chairman: Bank Deposit Rates Unlikely to Rise for 2-3 Months Amid Surplus Funds
State Bank of India (SBI) Chairman has indicated that bank deposit interest rates are unlikely to increase for the next two to three months. This stagnation is attributed to the current surplus liquidity within the banking system, which reduces banks' immediate need to attract more funds through higher deposit offerings.
BreakingIndian Middle Class Grapples with Rising Costs: Tax, EMIs, Education, Health Create Strain
India's middle-income households are facing increasing financial pressure from multiple fronts, including income tax, rising EMIs, escalating school fees, and significant healthcare expenses. This combination of essential costs is squeezing disposable income and hindering saving capabilities for many families.
BreakingHigher Interest Rates & Falling Markets: Impact on Your Investments
Rising interest rates and declining stock markets present a dual challenge for Indian investors. This environment can impact fixed deposits, loans, and equity investments differently, requiring a strategic approach to manage your money effectively.
BreakingGPF Interest Rate Unchanged at 7.1% for Oct-Dec 2026 Quarter
The Finance Ministry has announced that the interest rate for the General Provident Fund (GPF) will remain at 7.1% for the quarter spanning October to December 2026. This decision ensures continued stable returns for central government employees contributing to the mandatory retirement savings scheme.
BreakingUIDAI Offers Online Facility to Report Deceased Family Member's Death for Aadhaar Records
The Unique Identification Authority of India (UIDAI) has an online facility enabling Aadhaar holders to report the death of a family member. This crucial step helps update official records and requires specific documents and identity verification from the reporting individual. Readers should refer to the official UIDAI website for the detailed process and required paperwork.
AI Tool Built by CEO Accidentally Posts His Bank Details on Slack
An unnamed CEO's personal AI financial assistant, designed to monitor spending, inadvertently shared his private bank details on the company's internal Slack channel. This incident underscores the critical importance of data security and privacy when utilizing artificial intelligence tools for managing personal finances.
BreakingShriram Finance Hikes FD Rates to 7.85% on 1, 2, 3, and 5-Year Deposits
Non-banking financial company (NBFC) Shriram Finance has increased interest rates on its fixed deposits, with the highest offering now reaching 7.85% annually. The revisions cover popular tenures of one, two, three, and five years, providing an attractive option for retail investors seeking stable returns.
Breaking₹30 Lakh Salary, ₹50 Lakh Car: Why EMI Alone Doesn't Define Affordability
Even with a high income like ₹30 lakh annually, purchasing a ₹50 lakh car might strain a household budget if only the Equated Monthly Instalment (EMI) is considered. Financial experts advise looking beyond just EMI affordability to understand the true cost and its impact on overall financial goals.
BreakingSenior Citizen FD Rates: Comparing Top Public Sector Banks for Best Returns
Indian senior citizens often seek the best fixed deposit rates from leading public sector banks like SBI, PNB, Canara Bank, Bank of Baroda, and Union Bank. While specific comparative rates were not provided in the source, this report outlines the crucial factors seniors should consider when choosing an FD to maximize their returns and ensure financial security.
Bajaj Finance Issues Gold Loan Guidelines: Key Factors to Check Before Borrowing
Bajaj Finance has released a comprehensive guide for retail borrowers to evaluate gold loans effectively. The NBFC emphasizes comparing interest rates, loan-to-value ratios, and repayment flexibility to ensure a cost-effective borrowing experience.
BreakingIRDAI May Cap Insurance Commissions to Reduce Policy Costs for Indians
India's insurance regulator, IRDAI, is reportedly considering implementing a cap on commissions paid to insurance agents and brokers. This potential move aims to lower the overall cost of insurance policies, making them more affordable for policyholders across the country.
BreakingRBI Expands Financial Data Scope, Makes Account Aggregators Interoperable
The Reserve Bank of India (RBI) has announced the widening of a key financial data system (CAS) and enabled interoperability for Account Aggregators (AAs), a move set to streamline personal finance management. This development aims to empower Indian retail investors and borrowers with greater control over their financial data and potentially improve access to various financial services. It signifies a significant step towards a more interconnected and efficient digital financial ecosystem.
US Bank Launches New Service to Monitor Dark Web for Identity, Credit, Privacy Risks
US Bank has introduced a new service designed to help its customers detect and respond to identity, credit, and privacy risks found on the dark web. This offering aims to provide greater security by monitoring for potential threats and empowering customers to take corrective action.
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