About a year after an unprecedented IPO rush that raised roughly ₹1.5 lakh crore, roughly half of those newly listed companies are trading below their offer price. The initial euphoria — the listing-day “pop” that made headlines and created quick winners — has faded for many investors. What seemed like a golden era of easy … Read more
Finfluencers—financial creators who share tips, stock picks and hot takes—can shape investor behavior quickly. Understanding the psychological biases that make their content persuasive helps individual investors make calmer, more rational choices. Why finfluencers grab attention Short videos, confident delivery and clear calls to action turn complex financial ideas into bite-sized guidance. That combination is powerful: … Read more
A systematic transfer plan (STP) lets investors move money from one mutual fund to another on a set schedule instead of shifting a lump sum at once. It’s a simple tool for managing timing risk, preserving discipline and gradually changing an investment mix without emotional decisions. How an STP works Source and target funds: You … Read more
A tax return becomes a belated return when it is filed after the original due date specified under section 139(1). For most taxpayers, the last date to file a belated return is 31 December of the assessment year. What is a belated return? A belated return is simply an income tax return submitted after the … Read more
Why the minimum income requirement matters for a personal loan The minimum income requirement is one of the first checks lenders make when you apply for a personal loan. It helps banks and non‑bank lenders estimate your repayment capacity and your ability to meet monthly EMIs on time. A reliable income reduces the lender’s perceived … Read more
How Generative AI Can Reinforce the “Familiarity” Bias in Investing Generative AI tools are becoming standard in investment research, portfolio construction, and robo-advising. They can speed analysis and surface useful patterns — but their training data often reflects the same human biases that plague investors. One of the most persistent is familiarity bias: a preference … Read more
When an Executor Should Seek Legal Advice If you’re named as an executor under a will, speaking with a legal advisor early can save time, reduce stress, and help you avoid costly mistakes. Estate administration involves deadlines, paperwork, and legal duties that are often unfamiliar to most people. Key Reasons to Consult a Legal Advisor … Read more
Premium plans can still leave coverage gaps Many people assume the most expensive health insurance plans remove all worries. The downside of buying only premium policies is that it can hide important trade-offs. Lower-priced plans often carry stricter room rent limits, higher co-pays, and tighter sub-limits — details that usually only become obvious when a … Read more
When Festive Cheer Meets Financial Pressure Holidays and festivals bring joy — and a lot of spending. For many, the easiest answer to last-minute gift lists or celebratory plans is a personal loan or extra credit. But borrowing for non-essential gifts can create ripple effects: higher monthly payments, rising interest costs, and stress that lasts … Read more
Smart credit card habits make a big difference to your finances. With the right approach you can maximise rewards, keep debt under control, protect your credit score and use EMIs without getting trapped by interest. Choose cards that fit your life Select cards based on where you spend most and the rewards that matter — … Read more