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
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