Big drop in Indian students heading to the US The number of Indian students going to the United States for higher studies fell sharply in August 2025 — down 44% compared with August 2024. This marks the steepest decline since the pandemic years and signals growing pressure on the traditional flow of students to US … Read more
HDFC Bank revises fixed deposit rates after RBI rate cut Effective 17 December 2025, HDFC Bank has revised its fixed deposit (FD) interest rates following the Reserve Bank of India’s decision to cut the benchmark repo rate to 5.25% from 5.50% earlier this month. The move reflects the broader easing in interest rates across the … Read more
Two main ways to transfer an apartment to your child When you want to pass a residential apartment to a child, you generally have two choices: transfer it now as a gift, or leave it later through a will. Each option has different legal steps, tax effects and personal implications. Understanding them helps families make … Read more
Make your credit card work — without paying more Credit cards can be powerful tools when used carefully. But they also carry real risks: high interest rates, growing balances, and damage to your credit score. One simple way to reduce cost is to maximise your interest-free days. With a little planning, you can manage cash … Read more
Stock compensation is a powerful way to build wealth, but it can also create tax bills before you see any cash. Knowing how employee stock options, restricted stock units (RSUs) and employee stock purchase plans (ESPPs) are taxed helps you avoid surprises and plan smartly. How stock-based pay generally works Many employers pay part of … Read more
Across India’s big cities, more couples without children are treating money as a tool for freedom. They are prioritising flexible lifestyles, travel, early retirement and long-term self-reliance instead of the traditional milestones tied to raising kids. This shift is quietly changing how urban households save, invest and spend. What child-free couples are prioritising Flexibility: Money … Read more
Non-government NPS subscribers can now withdraw up to 80% of their retirement corpus as a lump sum on exit—and in some cases up to 100%. That change gives more flexibility, but it also makes planning for a steady post‑retirement income more important. Here’s a clear breakdown of how benefits are paid and what to watch … Read more
What the new co-branded credit card offers Google Pay Flex Axis Bank Credit Card is a co-branded card launched by Google Pay in collaboration with Axis Bank. The card is designed to bring traditional credit-card benefits into the UPI-first payment experience, making it easier to use credit wherever UPI is accepted and to manage payments … Read more
A decade and more of compound growth One lakh rupees invested in a flexi-cap mutual fund in 2008 would have grown roughly tenfold by 2025. That outcome reflects an annualised return of 14.25% over 17 years, turning ₹1,00,000 into about ₹10,00,000. How the math works The growth follows the compound interest formula: Future value = … Read more
The National Pension System (NPS) has updated its withdrawal rule: subscribers can now withdraw up to 80% of their corpus once it crosses ₹12 lakh (₹12,00,000). This change gives savers more flexibility to access a larger share of their retirement savings early, subject to eligibility conditions. What changed Previously, the withdrawal limit was lower. Under … Read more