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
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