EPF 3.0: Simpler, More Flexible — But Is Retirement Getting Lost? The latest upgrade to the employee provident fund — often called EPF 3.0 — delivers long-overdue simplification and convenience. Faster digital processes, easier portability across jobs and clearer withdrawal options make the scheme friendlier for modern workers. Yet the changes also raise an important … Read more
The Axis Bank Select Credit Card positions itself as a premium lifestyle and travel-focused option, bundling dining and grocery discounts with travel conveniences and exclusive privileges. It combines entertainment perks, dining savings, lounge access and milestone rewards aimed at regular spenders and frequent travellers. Key benefits at a glance BOGO movie offer — Buy-one-get-one free … Read more
Think twice before borrowing for a vacation Travel is a luxury, not a necessity. That’s why taking a personal loan to fund a holiday usually isn’t a good idea unless the trip is urgent or the loan will be repaid very quickly. Personal loans carry interest and fees that can turn a short-term pleasure into … Read more
If your estimated tax liability for the year, after reducing TDS and other tax credits, is more than ₹10,000, you are generally required to pay advance tax. That simple threshold, however, is only part of the picture. Here’s what else you should know to stay compliant and avoid interest or penalties. Who must pay advance … Read more
Post office savings schemes remain a steady choice for conservative investors. Backed by the government, these products typically deliver predictable returns — generally in the 7–8.2% annual range — along with a mix of tax benefits, capital safety and clear tenures. Here’s a quick guide to the main options and how to pick one that … Read more
Think of money like a trek through the mountains. You don’t just appear at the peak — you plan, you walk, you rest, and you notice how the journey feels. That journey has three parts: financial planning (the map and preparation), financial freedom (the summit), and financial well‑being (how you feel as you trek). The … Read more
How returns change your monthly SIP When you invest through a Systematic Investment Plan (SIP) in mutual funds, the monthly contribution required to reach a goal depends heavily on the annual rate of return. Small changes in that rate can make a big difference over long periods because of compounding. Two clear examples for a … Read more
Gifting stocks, property, mutual funds or business interests can be a generous and tax-smart way to pass on wealth. But the move has tax consequences for both the giver and the recipient. Understanding the basic rules helps you avoid surprises and make smarter decisions. Why people gift wealth-creating assets Gifts of appreciating assets often shift … Read more
What “pre-approved” really means When a credit card issuer says you are pre-approved or pre-qualified, it usually means a preliminary check shows you meet some basic criteria. That often involves a soft credit pull or reviewing existing customer data. It speeds up the process and can come with special introductory offers, but it is not … Read more
GST cuts change the car-buying calculation Recent GST reductions have lowered the upfront price of petrol and diesel cars. That has prompted many buyers to rework their numbers. A cheaper sticker price narrows the gap with electric vehicles (EVs), but it doesn’t erase the running-cost advantage EVs still hold. Upfront price vs total cost of … Read more