What is an unsecured loan? An unsecured loan is money borrowed without collateral. Lenders approve it based on your income, credit history, and repayment capacity rather than an asset like a house or car. Personal loans are the most common type of unsecured loan. Step-by-step guide to getting an unsecured loan Clarify why you need … Read more
Regulator’s Job: Clear Rules, Not Investment Advice The market regulator’s primary duty is to ensure fairness and transparency in capital markets. That means making sure companies that want to list their shares provide accurate information, follow disclosure rules, and face oversight that reduces fraud and market manipulation. It does not mean the regulator should tell … Read more
Smart‑beta funds sit between plain passive index funds and fully active strategies. They use clear, repeatable rules to tilt portfolios toward specific traits—like value, momentum or low volatility—rather than tracking a traditional market‑cap index. The goal is to capture systematic sources of return while keeping transparency and lower costs. What drives smart‑beta funds? Factor exposure: … Read more
Aishwarya Rai Bachchan wins ₹4 crore tax dispute at ITAT Mumbai Bollywood actor Aishwarya Rai Bachchan secured a legal victory at the Income-Tax Appellate Tribunal (ITAT) in Mumbai, with the tribunal ruling in her favour in a dispute worth ₹4 crore. The decision clears her of the tax demand raised by the Income-Tax Department in … Read more
Top 3-year FD rates for senior citizens (indicative) Here are the highest interest rates being offered by major lenders on 3-year fixed deposits for senior citizens. These figures are indicative — banks revise rates frequently and actual offers can vary by deposit size and branch. HDFC Bank: up to 7.10% — generally competitive for retail … Read more
Nearly a dozen value-oriented equity mutual funds have delivered annualised returns above 20% over the past three years. Two of the better-known names in this group are Axis Value Fund and JM Value Fund. Here’s a short guide to what that performance means and how investors can approach these top-performing value funds. Why a three-year … Read more
Paying just the minimum due on your credit card is a common habit. It prevents late fees and keeps your account in good standing. But when it becomes a routine, the small payments can turn into a much bigger bill over time. Why people choose the minimum payment It keeps the account current and avoids … Read more
Personal loans can be a practical way to handle unexpected expenses — medical bills, car repairs, or sudden home fixes — when you need cash fast. The key is to borrow wisely, repay on time, and work with regulated lenders so the loan helps your finances instead of hurting them. Why a personal loan can … Read more
Co-branded SBI Cards: What to know SBI Cards has teamed up with several banks to offer co-branded credit cards that combine the card issuer’s product range with benefits for the partner bank’s customers. Partnerships with lenders such as Bank of Maharashtra, Punjab & Sind Bank and UCO Bank make it easier for existing account holders … Read more
Why timely EMIs matter Missing a personal loan EMI might seem like a small slip-up, but it can have outsized consequences. Lenders expect regular payments, and even one missed instalment can trigger penalties, hurt your credit profile, and make future borrowing more expensive or difficult. Immediate consequences Late fees: Most lenders charge a penalty for … Read more