Naveen Kumar

Editor ET Wealth, Economictimes.com

As a former banker with over 15 years of experience in personal finance, I always try to make complex financial concepts easier to understand for those who need them the most. While many people work ...

As a former banker with over 15 years of experience in personal finance, I always try to make complex financial concepts easier to understand for those who need them the most. While many people work hard to earn money, not all successfully achieve their life goals as planned. Poor financial decisions often create obstacles in their financial journey. My mission is to assist financially savvy individuals in managing their finances more effectively. However, when it comes to those who are less familiar with financial matters, I try my best to help them grasp the fundamentals of money management so that they can make informed financial choices at the right time.

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Stories by the author

• NPS growth, performance, market-linked annuities; Sriram Iyer, CEO of HDFC Pension, talks about India’s changing retirement landscape

  
  21 May 2026 03:52 PM IST
• Gold buying through unique buy-now-pay-later solution: Keyur Shah, CEO, Muthoot Exim, on how he is making gold buying affordable

  
  15 Apr 2026 01:19 PM IST
• Will the dream run for home loan borrowers continue despite RBI pausing repo rate?

  
  06 Aug 2025 10:15 AM IST
• RBI Repo Rate Pause: Time for FD investors to make the best of prevailing high interest rates as FD rates to continue to fall

  
  06 Aug 2025 10:11 AM IST
• Best way to prepay your home loan: Save Rs 7 lakh and pay off 36 months early with this prepayment strategy

  
  01 May 2025 06:12 PM IST
• Big relief for home loan borrowers as EMIs to fall by 1.8% on a 20 year loan tenure as RBI reduced repo rate by 25 bps

  
  07 Feb 2025 10:26 AM IST
• Last window for FD investors to book FDs at higher rate has officially started as RBI cuts repo rate after a 5 years gap

  
  07 Feb 2025 10:14 AM IST
• Who should switch to new tax regime and who should stay with the old? Here's the maths after Budget 2025

  
  04 Feb 2025 10:51 AM IST
• Returns from ULIP investment to get tax treatment as capital asset in these conditions, clarifies Budget 2025

  
  01 Feb 2025 06:10 PM IST
• Budget 2025: Higher 87A tax rebate, deduction on home loan, income tax slab and more, what experts demand from FM to boost consumption

  
  21 Jan 2025 02:01 PM IST
• Pension in 8th Pay Commission: How much hike pensioners can expect, will there be a change in UPS?

  
  17 Jan 2025 06:30 AM IST
• 8th Pay Commission announced: How much salary hike central government employees can expect, how to calculate it

  
  16 Jan 2025 04:10 PM IST
• RBI cuts CRR by 50 bps: FD investors set to see interest rate cuts in 2025, know which FDs will be impacted first

  
  06 Dec 2024 10:06 AM IST
• Relief for home loan borrowers only in 2025: Savings on EMIs as RBI likely to cut rates by 50-100 bps in new year

  
  06 Dec 2024 10:06 AM IST
• Fresh SGB issuance unlikely: How much will you gain if you buy Sovereign Gold Bonds from stock market

  
  05 Dec 2024 12:34 PM IST
• Missed the EMI of your loan by 1 day? It can cost you more than you think

  
  14 Nov 2024 12:20 PM IST
• Diwali gold buying: 31% return in one year and 57% return in two years; should you buy gold this year?

  
  29 Oct 2024 12:45 PM IST
• You can save 22% by buying pre-owned BMW, Mercedes, Audi: Pros and cons of buying used luxury cars

  
  22 Oct 2024 02:12 PM IST
• Lower EMIs for home loan borrowers soon: RBI likely to cut repo rate up to 50 bps by March 2025 despite no change now

  
  09 Oct 2024 10:04 AM IST
• Countdown for FD rates fall has started: Last window to invest in fixed deposit at current high rates

  
  09 Oct 2024 10:04 AM IST
• Retirement planning in NPS: You can lose Rs 21 lakh in total monthly income if you buy an annuity plan worth Rs 50 lakh without comparison

  
  01 Oct 2024 08:00 AM IST
• A 2% lower return requires Rs 49 lakh higher corpus: Can you count on 12% equity returns for a long period after retirement?

  
  20 Sep 2024 02:31 PM IST
• Planning to retire in 10 years? Know how a Rs 23,000 monthly investment can help you in your retirement

  
  14 Sep 2024 06:00 AM IST
• Rs 1 lakh monthly income for 25 years without capital loss: How a right SWP can help big in retirement

  
  06 Sep 2024 04:20 PM IST
• UPS like pension for private sector employees? How NPS plus EPF can get you regular income like Unified Pension Scheme; check calculation

  
  30 Aug 2024 02:00 PM IST
• Getting home loan top-up to be difficult especially for speculative investment in stock market as RBI tightens norms

  
  08 Aug 2024 11:04 AM IST
• As countdown of FD interest rate fall has started, is it time to stop laddering and invest in long term FDs?

  
  08 Aug 2024 10:05 AM IST
• Will the wait of home loan borrowers for reduction in EMIs be a reality in October this year? Here’s how to make the best of falling rates

  
  08 Aug 2024 10:04 AM IST
• Has government reduced SGB issuance this year? Know the loss on SGB maturity in FY25 due to custom duty reduction

  
  31 Jul 2024 02:03 PM IST
• New LTCG rule on property to hit homeowners hard: Below 9% annual property price growth, common in many cities, could mean higher loss now

  
  25 Jul 2024 03:15 PM IST
• Long term capital gains tax benefit taken away for shares sold in a buyback offer, sale value to be taxed like dividend income

  
  23 Jul 2024 06:23 PM IST
• Budget 2024 reduces TDS on life insurance policy payout from 5% to 2%, Now get a higher payout on these case

  
  23 Jul 2024 03:14 PM IST
• No more reopening, re-assessment of old ITR beyond 3 years if escaped income is below Rs 50 lakh

  
  23 Jul 2024 02:33 PM IST
• Short term capital gains on listed equities hiked from 15% of 20%: How will it impact your investments?

  
  23 Jul 2024 01:09 PM IST
• Retail investors speculating for higher returns in stock market, says Eco Survey 2024: FD rates not enough for survival?

  
  22 Jul 2024 02:19 PM IST
• ITR filing: Can a salaried taxpayer claim deductions for HRA and home loan interest together?

  
  19 Jul 2024 04:19 PM IST
• Poor middle class is getting taxed more: The gold standard demands 10% tax slab to start from Rs 10 lakh today

  
  13 Jul 2024 09:00 AM IST
• Get 60% higher pension by delaying your NPS exit by 5 years; know how NPS continuity and deferment options can help you

  
  25 Jun 2024 02:52 PM IST
• Not getting the home loan amount you want? How to increase home loan eligibility with minimal cost

  
  15 Jun 2024 09:00 AM IST
• Home loan borrowers may have to wait longer for lower EMIs but a rate cut likely this year; how to make the most of it

  
  07 Jun 2024 10:13 AM IST
• High FD interest rates may not last long despite RBI status quo; is this the last window to book fixed deposits at higher rates?

  
  07 Jun 2024 10:04 AM IST
• Study abroad: US, UK, Canada, Germany, Australia — which is the best country for Indian students in terms of education cost, scholarships, jobs?

  
  22 May 2024 01:54 PM IST
• 19% annual returns in 10 years on buying gold on Akshaya Tritiya; should you invest in gold this year too?

  
  10 May 2024 11:19 AM IST
• How to make most of the annual bonus: Save 56% more if you invest Rs 2 lakh in equity mutual fund than prepaying home loans

  
  03 May 2024 01:46 PM IST
• Gold price near Rs 74,000: When will it reach Rs 2 lakh – 6 years, 9 years or 18 years?

  
  23 Apr 2024 02:26 PM IST
• 3 changes in health insurance claim rules to help consumers: Reduced waiting period for pre-existing diseases, moratorium

  
  16 Apr 2024 09:00 AM IST
• Automatic EPF account transfer from old to new job: How EPFO's facility works

  
  09 Apr 2024 11:14 AM IST
• 6 steps for borrowers to reduce home loan EMIs as RBI to keep higher interest rate for longer

  
  05 Apr 2024 10:04 AM IST