CA Nitin Kaushik warns that comparing a Rs 50,000 EMI with Rs 35,000 rent can hide the true cost of homeo ...More

CA Nitin Kaushik warns that comparing a Rs 50,000 EMI with Rs 35,000 rent can hide the true cost of homeownership. A 20-year loan may cost more than double the borrowed amount after interest. Buyers must also consider maintenance, property taxes and the opportunity cost of the down payment. Kaushik says evaluating a home as a wealth-building asset requires looking beyond monthly EMI and calculating its total financial cost. ...Less

RBI repo rate: The Reserve Bank of India has maintained its repo rate at 5.25%, providing ongoing relief ...More

RBI repo rate: The Reserve Bank of India has maintained its repo rate at 5.25%, providing ongoing relief for home loan borrowers. This decision allows many borrowers to continue enjoying current low home loan interest rates. However, rising retail inflation and potential rate hikes may lead to higher interest costs soon. Homeowners can explore prepayment and refinancing options to manage future loan expenses. These strategies can help reduce overall interest paid and shorten loan tenures. ...Less

Home loan insurance is designed to pay off outstanding loans if the borrower passes away, while term insu ...More

Home loan insurance is designed to pay off outstanding loans if the borrower passes away, while term insurance provides a one-time payment to meet the family's needs. After securing a home loan, it's vital to reassess the adequacy of your term insurance to ensure it sufficiently covers all liabilities, particularly for those with substantial loans and multiple financial responsibilities. ...Less

Bank of Maharashtra has reduced its home loan interest rate to seven percent. This special offer includes ...More

Bank of Maharashtra has reduced its home loan interest rate to seven percent. This special offer includes a complete waiver of processing and documentation fees. The bank aims to provide attractive financing solutions for its valued customers. This move significantly lowers the monthly installment burden for borrowers. These competitive rates are among the lowest available in the current market. ...Less

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Realtors welcomed the Reserve Bank of India's decision to maintain the repo rate. This stability in home ...More

Realtors welcomed the Reserve Bank of India's decision to maintain the repo rate. This stability in home loan interest rates is expected to sustain housing demand. The central bank kept its benchmark policy rate unchanged for the fourth consecutive meeting. RBI marginally raised the GDP forecast while slightly lowering the inflation projection. This policy continuity provides developers and homebuyers with planning certainty. ...Less

The real estate industry's leading organizations, CREDAI and NAREDCO, applaud the RBI's decision to maint ...More

The real estate industry's leading organizations, CREDAI and NAREDCO, applaud the RBI's decision to maintain the current repo rate. This move stabilizes home loan rates, which is anticipated to bolster housing demand and offer comfort to buyers. Additionally, the RBI has fine-tuned its GDP outlook and slightly adjusted inflation estimates. Developers emphasize that clear policies enhance project strategies and investment confidence, promoting a robust residential real estate market. ...Less

Understanding home loan mechanics helps borrowers reduce total borrowing costs. The reducing balance meth ...More

Understanding home loan mechanics helps borrowers reduce total borrowing costs. The reducing balance method ensures interest decreases as the principal falls. Loan amortisation shows how EMIs gradually repay both principal and interest. Early prepayments significantly reduce total interest paid over the loan tenure. Repo rate changes impact floating rate home loans, influencing EMIs or tenure. ...Less

RBI MPC policy: The Reserve Bank of India plans to simplify loan interest rate rules for all regulated en ...More

RBI MPC policy: The Reserve Bank of India plans to simplify loan interest rate rules for all regulated entities. This initiative aims to harmonize guidelines and address operational aspects of current lending rate benchmarks. The proposed changes will standardize market practices concerning interest charging and benchmark reset dates. These measures intend to improve transparency and strengthen monetary policy transmission across the system. ...Less

US mortgage rates have climbed for five consecutive weeks, reaching a yearly high. This trend makes homeo ...More

US mortgage rates have climbed for five consecutive weeks, reaching a yearly high. This trend makes homeownership increasingly difficult for many American families. Higher borrowing costs are slowing down home sales across the United States. Meanwhile, 15-year fixed mortgage rates have slightly decreased for refinancers. Persistent high borrowing costs will likely pressure the housing market in coming months. ...Less

India's residential real estate market is showing mixed trends, with lower home loan rates improving buye ...More

India's residential real estate market is showing mixed trends, with lower home loan rates improving buyer sentiment in many cities while affordability continues to remain a major challenge in Mumbai and the National Capital Region (NCR), according to a market outlook report by real estate developer NBR Group. ...Less

A 28-year-old Bengaluru software engineer earning around Rs 70 lakh per year has sparked a debate online ...More

A 28-year-old Bengaluru software engineer earning around Rs 70 lakh per year has sparked a debate online after asking whether it makes more financial sense to continue paying Rs 44,000 in monthly rent or buy a Rs 1.1–1.25 crore apartment with a Rs 65,000 EMI. The Reddit discussion saw users weigh in with their own experiences, touching on rising property prices, home loan strategies, investment returns and the challenges of renting in Bengaluru. ...Less

The RBI's decision to keep the repo rate unchanged at 5.25% for the fourth straight review has received a ...More

The RBI's decision to keep the repo rate unchanged at 5.25% for the fourth straight review has received a positive response from the real estate sector. Developers and consultants believe stable interest rates will support housing demand, boost buyer confidence and provide better visibility for project planning. However, rising construction costs remain a concern for affordability, especially in mid-income segments. ...Less

Economists now anticipate the Reserve Bank of India will raise rates in December or later. This shift occ ...More

Economists now anticipate the Reserve Bank of India will raise rates in December or later. This shift occurs as core inflation remains low, contrary to earlier expectations. The central bank maintained its current rates and lowered inflation forecasts for this fiscal year. Overnight indexed swap rates also signal fewer rate hikes over the next twelve months. India's monetary policy stance differs from other Asian economies responding to oil price spikes. ...Less

India's residential property sector remains robust, driven by consistent demand and advancements in infra ...More

India's residential property sector remains robust, driven by consistent demand and advancements in infrastructure. The Reserve Bank of India's choice to hold the repo rate steady bolsters this positive trend, allowing homebuyers and property developers to make informed, future-focused decisions. With favorable financing conditions, developers can efficiently organize their project timelines and pricing, reinforcing a thriving residential market. ...Less

Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on ...More

Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on EMI affordability rather than complete debt elimination. High-interest unsecured loans pose the greatest risk to retirement finances. Strategic debt management and income generation can support manageable EMIs. Planning finances across life stages helps avoid retirement debt burdens. ...Less

HDFC Bank assured shareholders about its strong governance credentials. No US lawsuits have been filed ag ...More

HDFC Bank assured shareholders about its strong governance credentials. No US lawsuits have been filed against the bank following investigations. The bank's leadership stated they are well-positioned to defend any potential legal action. HDFC Bank is fundamentally strong with a pristine balance sheet. The integration with HDFC Limited is unlocking meaningful synergies for future growth. ...Less

Banks cannot disable borrower mobile phones and laptops for loan recovery. This new rule applies unless t ...More

Banks cannot disable borrower mobile phones and laptops for loan recovery. This new rule applies unless the devices themselves were financed by lenders. The Reserve Bank of India announced these regulations will take effect January 1, 2027. Banks must adopt a gradual approach when disabling devices, not immediately. Essential functions like incoming calls and emergency services remain accessible to borrowers. ...Less

Existing home sales in the United States saw a slight decrease during July. Record high prices and increa ...More

Existing home sales in the United States saw a slight decrease during July. Record high prices and increasing mortgage rates are impacting buyer affordability. Home prices reached unprecedented levels for the month of July. Inventory levels remain significantly below historical norms. This situation continues to strain prospective homebuyers across the nation. ...Less

By 2030, India's data centre industry is set to create approximately 430,000 jobs, leading to a surge in ...More

By 2030, India's data centre industry is set to create approximately 430,000 jobs, leading to a surge in housing demand in major cities. With over 250 data centres planned, the need for robust infrastructure will grow significantly. These facilities are not just technological hubs; they will be pivotal in attracting investments and enhancing economic growth, effectively serving as vital pillars for urban development. ...Less

Middle-aged families face financial stress from competing responsibilities and unexpected expenses. A ded ...More

Middle-aged families face financial stress from competing responsibilities and unexpected expenses. A dedicated bond portfolio can provide liquidity and periodic payouts. This strategy helps manage recurring costs without disrupting long-term investments. Diversification across ratings and tenures is crucial for bond portfolio construction. Financial planning requires ensuring money access for family needs and future goals. ...Less

Let us assume FPI buying continues. That last month was not a one-off, but the start of a trend. If so, t ...More

Let us assume FPI buying continues. That last month was not a one-off, but the start of a trend. If so, then sooner or later this money will flow into banking stocks. Why? Because banks are the clearest proxy for the growth of an economy, and this is even more true in India. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

In an order pronounced on Thursday, special judge Sanjeev Kumar Malhotra directed that the Wadhawan broth ...More

In an order pronounced on Thursday, special judge Sanjeev Kumar Malhotra directed that the Wadhawan brothers face charges under various sections of the IPC, relating to criminal conspiracy, cheating, forgery and falsification of accounts. ...Less

Financial advisor Prem Soni says Gen Z’s spending on Rs 15,000 sneakers, expensive iPhones and foreign ho ...More

Financial advisor Prem Soni says Gen Z’s spending on Rs 15,000 sneakers, expensive iPhones and foreign holidays may reflect the “Lipstick Effect.” He argues that with homes costing around Rs 3 crore and long-term EMIs, traditional milestones feel increasingly unreachable for young earners. Instead of saving indefinitely for property, some may choose smaller luxuries that offer immediate enjoyment. Soni asks whether Gen Z could eventually “boycott buying real estate” altogether. ...Less

Axis Bank misplaced a Delhi couple's original property papers, which they found out after closing their R ...More

Axis Bank misplaced a Delhi couple's original property papers, which they found out after closing their Rs 1.41 crore loan account. They then filed a complaint in Delhi State Consumer Disputes Redressal Commission, alleging deficiency of service and negligence on the part of the lender, seeking a compensation of Rs 1 crore. Know what happened next. ...Less

Generation Z places a strong emphasis on balancing experiences and career adaptability while ensuring fin ...More

Generation Z places a strong emphasis on balancing experiences and career adaptability while ensuring financial security. This generation is becoming increasingly knowledgeable about their financial objectives and is unafraid to express their needs. With a focus on early investment and varied financial opportunities, Gen Z effectively navigates modern economic challenges through credit products, and they seek clarity in career guidance from employers right from the start. ...Less

Market breadth (always a better indicator of the underlying sentiment) has remained positive for a few tr ...More

Market breadth (always a better indicator of the underlying sentiment) has remained positive for a few trading sessions in a row. This is what needs to be watched, rather than the movement of the Nifty or Sensex. ...Less

A word of caution for all those who have exposure to mid cap stocks or are planning to increase it. Just ...More

A word of caution for all those who have exposure to mid cap stocks or are planning to increase it. Just keep one thing in mind: If there is significant selling in large-caps stocks for any reason at all, mid-cap stocks then have limited ability to withstand pressure and will correct even more. ...Less

8th Pay Commission latest news: Employee groups are urging the 8th Pay Commission to raise annual increme ...More

8th Pay Commission latest news: Employee groups are urging the 8th Pay Commission to raise annual increments significantly. They suggest increasing the rate from three percent to at least five percent. Some organizations propose an increment of six percent annually for employees. Other federations are advocating for a seven percent annual increment rate. This change could substantially boost gross salaries for central government staff. ...Less

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the ma ...More

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the market would have moved on. So, while there is no doubt that the uncertainty quotient will remain high, it is probably time to look beyond – at a few things that are not obvious. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

A life insurer denied a seventy lakh death claim after a policy lapsed. The policyholder had paid seven l ...More

A life insurer denied a seventy lakh death claim after a policy lapsed. The policyholder had paid seven lakh as the first year premium. The consumer commission ordered the insurer to refund this initial premium payment. This decision prevented unjust enrichment by the insurance company. Policyholders must pay premiums on time to maintain active life cover. ...Less

When a market starts rising and buying makes a comeback, something happens to a large majority of investo ...More

When a market starts rising and buying makes a comeback, something happens to a large majority of investors. They get restless. The safe, market-leading companies suddenly feel boring, and they are tempted to go looking for the next exciting stock. This is usually a mistake. A rising market is exactly when it pays to stay with the leaders. Not because they are exciting, but because when the mood suddenly changes, and it always does, they are the ones best placed to gain from it. ...Less

Modern Indians are redefining investment strategies; rather than saving first, the youth now prioritize t ...More

Modern Indians are redefining investment strategies; rather than saving first, the youth now prioritize their financial goals before choosing investment products. This evolution signifies a desire for financial independence, allowing individuals the liberty to make choices unburdened by financial strain. The advent of technology and improving accessibility to investment options has significantly enhanced wealth accumulation opportunities, indicating a broader trend of increasing incomes across the nation. ...Less

Trump's promise of lower interest rates is under pressure as Treasury yields climb and financial markets ...More

Trump's promise of lower interest rates is under pressure as Treasury yields climb and financial markets move contrary to the administration's economic goals. Higher borrowing costs have impacted households, businesses and the federal government. Inflation concerns and policy uncertainty have kept investors cautious about US debt. ...Less

RBI MPC repo rate: The Reserve Bank of India maintained its repo rate at 5.25 percent today. Inflation is ...More

RBI MPC repo rate: The Reserve Bank of India maintained its repo rate at 5.25 percent today. Inflation is nearing the upper tolerance band, which could prompt future rate hikes. Banks monitor deposit-credit ratios and government security yields for rate decisions. High interest rates on small savings schemes also influence bank deposit offerings. Lenders may adjust fixed deposit rates soon based on these economic indicators. ...Less

Life lessons: Ram Gopal Kothari overcame repeated job losses, business failures and financial hardship to ...More

Life lessons: Ram Gopal Kothari overcame repeated job losses, business failures and financial hardship to achieve a remarkable feat. He went on to become the first Indian to complete a marathon at the Geographic North Pole, running across floating Arctic ice in extreme conditions. His journey is a powerful story of resilience, determination and the belief that even after life's darkest moments, new beginnings are possible. ...Less

Bajaj Housing Finance Q1 Results: Bajaj Housing Finance on Wednesday reported a net profit of Rs 715 cror ...More

Bajaj Housing Finance Q1 Results: Bajaj Housing Finance on Wednesday reported a net profit of Rs 715 crore for the first quarter of FY27, marking a 23% year-on-year rise from the Rs 583 crore net profit reported in the corresponding quarter of FY27, with net interest income rising 9% YoY to Rs 968 crore. ...Less

The price of crude oil is down again despite the escalating tensions in the Gulf region. That augurs well ...More

The price of crude oil is down again despite the escalating tensions in the Gulf region. That augurs well for markets. This does not mean that corrections will not happen; they will. But, largely, they will have a lesser probability of turning into a secular bearish trend as has happened in the past. Mind you, we are using the word probability. Why? ...Less

While bulls are making an attempt to come back, there are many things which still need to be watched. Whe ...More

While bulls are making an attempt to come back, there are many things which still need to be watched. Where does the rupee get stabilised, whether there is a revival of monsoon or not and how things pan out in festive season. All these things are going to play an important role in determining how the earnings are going to shape up. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

ITR filing: Taxpayers have four days remaining to file their Income Tax Return by the July 31, 2026 deadl ...More

ITR filing: Taxpayers have four days remaining to file their Income Tax Return by the July 31, 2026 deadline. It is important to match Form 16 with AIS and Form 26AS for accurate tax deductions. Gather all income and deduction documents, and choose the correct tax regime for potential savings. ...Less

Broadly speaking, both private and PSU banks are impacted by what happens to the economy. There might be ...More

Broadly speaking, both private and PSU banks are impacted by what happens to the economy. There might be some difference because of the focus of the loan book, but nothing escapes the broader impact of a bad monsoon, or rising oil prices. If they are behaving differently in the market these days, it is because of valuations, existing ownership, overall fund flows, and the kind of investors putting in the money. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Non-Resident Indians can now purchase US dollar-denominated term insurance plans in India. These plans ar ...More

Non-Resident Indians can now purchase US dollar-denominated term insurance plans in India. These plans are available through Policybazaar's partner insurers at GIFT City. Premiums and claim payouts will be processed in US dollars, addressing currency depreciation risks. This initiative allows global Indians to access internationally aligned financial products within India. ...Less

This time, hopefully, both the US and Iran will stick to their word. The factor to watch is how Israel ta ...More

This time, hopefully, both the US and Iran will stick to their word. The factor to watch is how Israel takes it. With oil prices coming down, the bias toward the Indian market should change. But for how long is still the question. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

West Asia is once again dictating the mood on Dalal Street. Brent crude has crossed $93 a barrel, Indian ...More

West Asia is once again dictating the mood on Dalal Street. Brent crude has crossed $93 a barrel, Indian equities are under pressure, and the question investors are asking is the same one they ask every time the region erupts: How long will this last? There is no reliable answer. The conflict could begin to cool in a few weeks. It could also stretch well beyond what the markets currently expect. History offers enough examples of conflicts that began as short-term disruptions and then became part of the global economic backdrop. ...Less

Bengaluru CA Meenal Goel warned that buying a home without proper financial planning can turn into a burd ...More

Bengaluru CA Meenal Goel warned that buying a home without proper financial planning can turn into a burden. She explained the 20-30-40 rule, suggesting a 20-year loan, an EMI within 30% of income and a 40% down payment. According to her calculations, a Rs 1 crore home requires around Rs 1.93 lakh monthly salary and Rs 40 lakh savings. She said a house should become an asset, not consume an individual's entire financial life. ...Less

Market mood rarely turns all at once. It turns in stages. And India's mood might have just entered the fi ...More

Market mood rarely turns all at once. It turns in stages. And India's mood might have just entered the first of them: Because of a commodity which impacts India, whose price is dependent on the mood of a president. For weeks, the bias on the street was about as bearish as it gets. There was a good reason for it. Crude oil was on the boil, and there is no single number that hurts India quite like the price of oil. It inflates the import bill, pressures the currency, stokes inflation, and leaves little room for the government to spend. That will hopefully change now. And we are still using the word hope. ...Less

Bank of Baroda's June-quarter profit fell 72% due to a Rs 5,680 crore one-off settlement, despite strong ...More

Bank of Baroda's June-quarter profit fell 72% due to a Rs 5,680 crore one-off settlement, despite strong loan growth and stable asset quality. Excluding the exceptional item, profit rose, supported by higher net interest income and healthy retail lending. ...Less

Euro zone banks tightened lending standards in the second quarter as geopolitical uncertainty and economi ...More

Euro zone banks tightened lending standards in the second quarter as geopolitical uncertainty and economic risks prompted greater caution, according to the ECB's latest Bank Lending Survey. While demand for business loans improved, lenders became more selective and expect credit conditions to tighten further in the coming months, reflecting persistent concerns over inflation, energy prices and economic growth. ...Less

ET Wealth Reader's Query: I am 45, and want to buy a holiday home, or what may be called a second home. I ...More

ET Wealth Reader's Query: I am 45, and want to buy a holiday home, or what may be called a second home. I do not have any major financial commitments apart from my two daughters’ education. I have also been investing through Systematic Investment plans (SIPs) for the past two years. Should I liquidate my gold investments to buy the second home, or would it be better to pledge the gold instead? ...Less

Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains availab ...More

Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains available under the new tax regime for salaried individuals. Private sector employees switching to the new regime find this deduction particularly attractive. Employer contributions lower taxable income and build retirement savings simultaneously. ...Less

We live in a world where one statement or one missile can cause crude oil prices to spike. In such times, ...More

We live in a world where one statement or one missile can cause crude oil prices to spike. In such times, expecting rational behaviour in the equity (or commodity) market is probably expecting too much. At this juncture, investors need to develop the ability to either keep out of the market or invest only with a long-term perspective. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Home loan interest column for self-occupied house is disabled in ITR utility? Know what to do while ITR f ...More

Home loan interest column for self-occupied house is disabled in ITR utility? Know what to do while ITR filing for AY 2026-2027. The reason for this is under new tax regime, home loan interest tax deduction cannot be claimed but in old tax regime it can be claimed. So check your ITR for tax regime. ...Less

It is relatively easier to reliably buy or sell property in the United States, compared to the process in ...More

It is relatively easier to reliably buy or sell property in the United States, compared to the process in India, which can be fraught with delays and in some cases instances of fraud and malpractice. The liabilities and penalties for such instances are clearly stated and implementable in the US. ...Less

Whether in business or the stock market, be ready for volatility. In today’s world, it can come for any r ...More

Whether in business or the stock market, be ready for volatility. In today’s world, it can come for any reason and from anywhere. Also be ready to see underperformance in your portfolio. This could be sparked by sudden selling in some part of the emerging market purely because of a technical readjustment. And it could take place for the simple reason that, going forward, currency markets are going to see some adjustment. So, besides being cautious and selective, also be volatility-ready for quite some time. ...Less

The noise levels are currently high in the markets. And, at this point of time, it seems there is literal ...More

The noise levels are currently high in the markets. And, at this point of time, it seems there is literally nothing positive about them. From crude prices, to tariffs, to the monsoon – everything appears gloomy. These are not perfect conditions to buy stocks; but then, in perfect conditions, stocks also tend to be more expensive. So, pick between perfect conditions and good stock prices. If you are someone who sees this as an opportunity, the obvious question is: Which stocks? You will make the right decision if you look at businesses rather than at stock prices. ...Less

When will the US-Iran war end? No one can answer that with any certainty. But whenever it ends, the proba ...More

When will the US-Iran war end? No one can answer that with any certainty. But whenever it ends, the probability is that volatility will continue for a while in most emerging markets, including India. We might, in fact, see the Indian market underperforming other markets for some time. Why? Because some sectors were facing headwinds even before the war began. And for others, things are not going to be easy. ...Less

As a sector, housing finance has borne the brunt of regulatory changes and various scams at different poi ...More

As a sector, housing finance has borne the brunt of regulatory changes and various scams at different points of time. It is a sector that has produced both heroes (HDFC) and villains (DHFL). Given that housing demand will continue rising, it is a sector that is bound to grow. So, what matters is which stock you own; and how long you intend to hold it. The horizon is important as this sector has to deal with interest rate cycles as well as regulatory changes. This makes these stocks prone to phases of underperformance. ...Less

Many Indians stretch finances for dream homes, but hefty home loans lead to years of uncomfortable choice ...More

Many Indians stretch finances for dream homes, but hefty home loans lead to years of uncomfortable choices. Borrowers face lifestyle compression, career stagnation, and deferred savings, impacting family life and personal well-being. Experts urge homebuyers to prioritize true affordability over aspirations, stressing that a loan should enhance life, not dictate it, by considering future uncertainties and maintaining financial flexibility. ...Less

India’s largest private banks are witnessing a shift in credit demand, with corporate and SME lending dri ...More

India’s largest private banks are witnessing a shift in credit demand, with corporate and SME lending driving loan growth while retail borrowing remains subdued. Stronger working capital demand, refinancing and business banking boosted advances, but slower consumer credit growth and weaker CASA ratios continue to weigh on banks’ funding mix and margins. ...Less

A viral X post claiming that a techie quit his Rs 1.5 lakh-a-month Mumbai job, moved back to his hometown ...More

A viral X post claiming that a techie quit his Rs 1.5 lakh-a-month Mumbai job, moved back to his hometown and now earns around Rs 4 lakh every month has triggered a heated debate online. While many praised the reported shift from corporate life to entrepreneurship, others questioned the financial calculations, including the sale of a Rs 3 crore flat, tax implications and the profitability of the restaurants mentioned in the post. ...Less

Rental growth is slowing in major Indian cities after sharp increases. Mumbai is an exception, showing si ...More

Rental growth is slowing in major Indian cities after sharp increases. Mumbai is an exception, showing significant rent increases this year. Many Indians now rent longer for flexibility and due to rising home loan costs. High security deposits hinder moves, locking significant wealth across top metros. ...Less

A chartered accountant warns that home loan borrowers often overlook the total repayment, which can doubl ...More

A chartered accountant warns that home loan borrowers often overlook the total repayment, which can double the initial amount. He highlights that early EMIs heavily favour interest, delaying equity building. Instead of investing, aggressive prepayment is advised for guaranteed, tax-free returns. A strategy of lower EMIs with substantial prepayments, or annual extra payments, can save lakhs and significantly shorten loan terms, ultimately offering financial freedom. ...Less

Axis Bank Q1 Results: Axis Bank reported a 22.5% YoY rise in Q1 FY27 standalone net profit to Rs 7,114 cr ...More

Axis Bank Q1 Results: Axis Bank reported a 22.5% YoY rise in Q1 FY27 standalone net profit to Rs 7,114 crore, while net interest income increased over 8% to Rs 14,646 crore, beating estimates. Asset quality remained stable, with the lender reporting strong balance sheet growth, robust deposit mobilisation and healthy loan expansion. ...Less

A careful, timely, and well-documented filing approach can help employees avoid notices, interest, penalt ...More

A careful, timely, and well-documented filing approach can help employees avoid notices, interest, penalties, and refund delays while ensuring that all eligible deductions and benefits are correctly claimed. The Income Tax Return (ITR) filing due date for salaried individuals is July 31, 2026 if they are not liable for tax audit. ...Less

The US-Iran war is escalating again, with all that means for crude prices and nervous markets. And halfwa ...More

The US-Iran war is escalating again, with all that means for crude prices and nervous markets. And halfway across the world, the long AI trade is unwinding, dragging down the high-priced names that led the rally. Between the two, volatility, which has been the defining feature of 2026, is set to rise again. But volatility has a shelf life. It comes, it frightens, and it goes. What survives it is the underlying business, the quality of the management running it, and their proven ability to handle exactly this kind of complexity. ...Less

Consumers now have vast financial information readily available. However, this abundance creates complexi ...More

Consumers now have vast financial information readily available. However, this abundance creates complexity and uncertainty for many individuals. Structured learning platforms are emerging to address this growing need. These platforms help build confidence and understanding beyond mere information consumption. Financial literacy is now measured by decision-making confidence, not just access. ...Less

Techie Rohit Moonlighting Two Jobs: A 29-year-old Indian software professional earns nearly ₹7 lakh month ...More

Techie Rohit Moonlighting Two Jobs: A 29-year-old Indian software professional earns nearly ₹7 lakh monthly from two demanding jobs. He works approximately sixteen hours daily, balancing an Indian company and a US firm. Rohit already possesses over ₹80 lakh in savings and significant assets, including properties and a new car. His intense work schedule stems from a deep-seated family obligation and fear of future job insecurity. ...Less

It is always important to make a distinction between sentiment and real business. While sentiment can imp ...More

It is always important to make a distinction between sentiment and real business. While sentiment can impact prices in the short term, it is business fundamentals that matter in the long term. And if they are turning structurally better, just ignore the noise on the street. The business updates for Q1 FY27 are probably a better guide. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Bengaluru-based director and IIM Lucknow graduate Karan Lakhwani shared the money habits his Sindhi famil ...More

Bengaluru-based director and IIM Lucknow graduate Karan Lakhwani shared the money habits his Sindhi family has followed for years. From introducing children to banking early and openly discussing family finances to avoiding unnecessary debt and maintaining a 24-month emergency fund, he outlined five key lessons. Lakhwani also credited his parents for teaching budgeting, taxes, and investing at home, saying strong money management is a shared family responsibility. ...Less

A 28-year-old woman from Tripura, who bought an apartment near Paris, has shared a detailed breakdown of ...More

A 28-year-old woman from Tripura, who bought an apartment near Paris, has shared a detailed breakdown of the hidden costs of homeownership beyond the monthly EMI. In a viral Instagram video, she compared those expenses with the cost of renting a similar apartment, giving viewers a clearer picture of the financial commitments involved in buying a home. ...Less

Sold property for Rs 2.63 crore and reported Rs 16.33 lakh LTCG, claimed home loan interest, travel, wate ...More

Sold property for Rs 2.63 crore and reported Rs 16.33 lakh LTCG, claimed home loan interest, travel, water, electricity and brokerage as expenses; Tax dept denied the expenses; ITAT Bangalore allows partly allows his expenses claim. Know why did the NRI win the tax case in ITAT Bangalore. ...Less

According to the income tax rules, car dealers are required to deduct 1% TCS if the ex-showroom value of ...More

According to the income tax rules, car dealers are required to deduct 1% TCS if the ex-showroom value of the car exceeds Rs 10 lakh. However, do not confuse your total car cost with the ex-showroom price, which is the base retail cost excluding any kind of taxes, accessory charges etc. ...Less

A chartered accountant highlighted Gurgaon's luxury lifestyle as debt-driven. High-earning professionals ...More

A chartered accountant highlighted Gurgaon's luxury lifestyle as debt-driven. High-earning professionals face large EMIs, trapping them in disliked jobs. This situation prevents career risks and personal financial freedom. Many are burnt out, working to maintain an illusion of wealth. The debate questions if life remains after debt payments. ...Less

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the ma ...More

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the market would have moved on. So, while there is no doubt that more headwinds await the Indian economy, it is probably time to look beyond – at a few things that are not obvious. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

It is often witnessed that the aggression of marketing executives in AMCs to onboard an investor is not r ...More

It is often witnessed that the aggression of marketing executives in AMCs to onboard an investor is not reciprocated while settling death claims, when the bereaved family expects empathy and handholding, and the funds to relieve them from the stress of having lost a loved one. Sebi should review the ground-level situation with SWPs becoming a financial trap for surviving spouses. ...Less

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A Rs 30 lakh annual salary is a significant achievement for many professionals. However, this income does ...More

A Rs 30 lakh annual salary is a significant achievement for many professionals. However, this income does not automatically ensure financial independence or security. High earners often face substantial expenses which significantly reduce savings potential. Building assets is crucial for converting active income into lasting wealth. Financial stability requires savings and preparation for unexpected challenges. ...Less

A Bengaluru couple earning a combined annual income of Rs 80-90 lakh sparked a discussion on Reddit after ...More

A Bengaluru couple earning a combined annual income of Rs 80-90 lakh sparked a discussion on Reddit after questioning whether buying a flat in the city still makes financial sense. While they said they could technically afford homes priced between Rs 1.5 crore and Rs 2.5 crore, they felt renting remained a more attractive option. The post prompted users to share views on ideal EMI limits, down payments, job security, and whether buying a home is worthwhile only for those planning to stay in Bengaluru for the long term. ...Less

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India's housing market shows resilience through the second half of 2026. Strong demand for premium homes ...More

India's housing market shows resilience through the second half of 2026. Strong demand for premium homes and urbanisation will support the sector. Sales growth is moderating, and new launches are outpacing absorption. Developers may offer incentives as unsold inventory gradually rises. Stable fundamentals and RERA reforms prevent a sharp market correction. ...Less

Headline property gains often mislead investors about actual wealth doubling. Chartered Accountant Nitin ...More

Headline property gains often mislead investors about actual wealth doubling. Chartered Accountant Nitin Kaushik highlights numerous expenses impacting real estate returns. Stamp duty, loan interest, and taxes reduce profits significantly, as Kaushik explained. A property doubling in price may yield only a modest net profit after costs. This analysis reveals that real estate returns can be comparable to safer investment options. ...Less

The MCD's property regularisation drive has seen minimal applications in two months. Many low-income resi ...More

The MCD's property regularisation drive has seen minimal applications in two months. Many low-income residents find the high charges unaffordable for legalizing their homes. Officials are discussing reducing these charges with the Delhi government. There is no deadline, reducing urgency for residents to apply. ...Less

India’s younger generations are increasingly treating inherited gold jewellery as a financial asset rathe ...More

India’s younger generations are increasingly treating inherited gold jewellery as a financial asset rather than a family heirloom. Millennials and Gen Z consumers are selling or exchanging old ornaments to fund major life goals such as buying homes, higher education, starting businesses and investing in financial products. ...Less

Six out of eight major cities within affordability threshold in the first half of 2026; stable employment ...More

Six out of eight major cities within affordability threshold in the first half of 2026; stable employment and income help sustain demand. ...Less

Most investors struggle as they watch their portfolio shrink while EMI obligations remain fixed. The temp ...More

Most investors struggle as they watch their portfolio shrink while EMI obligations remain fixed. The temptation to stop the SWP or redeem the corpus becomes overwhelming. This introduces discretionary risk into what is assumed to be a systematic plan. Acting on it at the wrong time permanently locks in the loss. An investor’s life situation also matters. ...Less

Rising home prices, borrowing costs and maintenance expenses are making many young Americans question whe ...More

Rising home prices, borrowing costs and maintenance expenses are making many young Americans question whether buying a house remains a good investment. Surveys show confidence in homeownership has fallen sharply among younger adults, with some homeowners saying stocks could have delivered better returns while renting offered greater financial flexibility. ...Less

This is a market to be selective in, not brave in. The safer way to play a turn in the market is to stay ...More

This is a market to be selective in, not brave in. The safer way to play a turn in the market is to stay with businesses whose demand does not depend on the mood on the street, the state of the economy, or the direction of the Nifty. ...Less

Ankur Warikoo suggests accepting financial reality and making tough choices for freedom. He advises rever ...More

Ankur Warikoo suggests accepting financial reality and making tough choices for freedom. He advises reversing personal financial decisions that lead to burdensome debt. Warikoo shared his own journey from thirty lakh rupees in debt to financial stability. He emphasizes that complaining hinders progress while action leads to debt clearance. Financial freedom is achieved through discipline and confronting difficult decisions. ...Less

Ankur Warikoo advises young professionals to liquidate choices leading to debt. He stresses taking respon ...More

Ankur Warikoo advises young professionals to liquidate choices leading to debt. He stresses taking responsibility for financial decisions and exercising choices. For unavoidable debt, he urges hard work and earning more to pay it off. Warikoo shared his own journey of clearing significant debt over a decade. He emphasizes focusing on solutions rather than complaining about financial burdens. ...Less

Consistently filing Income Tax Returns creates a verifiable financial document. Banks often request these ...More

Consistently filing Income Tax Returns creates a verifiable financial document. Banks often request these returns to assess loan applicant income stability. ITRs also help demonstrate financial capacity for visa and study abroad applications. Landlords and businesses may seek ITRs for tenancy and partnership evaluations. Preserving complete tax records is crucial for future financial needs and compliance. ...Less

India's residential property market delivered one of its strongest first-half performances in over a deca ...More

India's residential property market delivered one of its strongest first-half performances in over a decade, with home sales staying near record highs even as growth stabilised. Knight Frank India says premium housing is now driving the market, while affordable homes continue to shrink. Mumbai led sales, Bengaluru posted the fastest growth and NCR remained the weakest market. ...Less

Fewer than fifty thousand American World War II veterans remain alive today. These veterans are the last ...More

Fewer than fifty thousand American World War II veterans remain alive today. These veterans are the last living links to a defining global conflict. Most surviving veterans are now in their late nineties or over one hundred years old. The last American World War II veteran is projected to pass away around 2043. Surviving veterans still receive various benefits from the Department of Veterans Affairs. ...Less

Tuesday saw reports that some ships were hit in the Strait of Hormuz. And, in the US, the Nasdaq was down ...More

Tuesday saw reports that some ships were hit in the Strait of Hormuz. And, in the US, the Nasdaq was down. So, expect some pressure when the Indian market opens on Wednesday. But these are short-term issues. There are other things to look forward to. For instance, how the latest business updates are panning out. At the end of the day, it is earnings that matter. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Radhi Navani bought a luxury sea-facing apartment in Mumbai for Rs 162.2 crore. This transaction marks on ...More

Radhi Navani bought a luxury sea-facing apartment in Mumbai for Rs 162.2 crore. This transaction marks one of the country's costliest residential property deals. The apartment is located on the 18th floor of Naman Xana in Worli. The buyer benefited from a stamp duty concession for women homebuyers. This acquisition highlights continued demand for high-end homes in Mumbai. ...Less

Salaried employees face a crucial tax decision between old and new regimes. The new tax regime offers low ...More

Salaried employees face a crucial tax decision between old and new regimes. The new tax regime offers lower tax liability across various income levels. However, substantial deductions can make the old tax regime more beneficial. Taxpayers should calculate their actual tax under both systems. This ensures the most tax-efficient choice for their financial situation. ...Less

A government proposal may allow employees to voluntarily reduce their EPF contributions. This change coul ...More

A government proposal may allow employees to voluntarily reduce their EPF contributions. This change could increase immediate take-home salaries for many workers. However, experts caution this might significantly reduce long-term retirement wealth accumulation. The proposal primarily affects employees contributing above the statutory wage ceiling. Employees should carefully consider investment alternatives for any reduced EPF amounts. ...Less

Financial services is where FIIs go when they turn positive on India. History shows us that much of the m ...More

Financial services is where FIIs go when they turn positive on India. History shows us that much of the money goes to banks, and the wider financial services space. But remember: Financial services is not a single sector. It is a set of very different businesses under one umbrella. So it is important to understand the parts, not just the flow of money into them. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components – earnings, fundamentals, relative valuation, risk, and price momentum – to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Latest EPF withdrawal rules: EPFO subscribers can withdraw funds for specific needs like illness and educ ...More

Latest EPF withdrawal rules: EPFO subscribers can withdraw funds for specific needs like illness and education. Withdrawals for marriage and housing are permitted up to five times. Special circumstances allow advances twice annually under new guidelines. ...Less

A simple annual habit can dramatically cut home loan costs. By paying just one extra EMI each year, a bor ...More

A simple annual habit can dramatically cut home loan costs. By paying just one extra EMI each year, a borrower named Vishal saved approximately Rs 13-14 lakh in interest and shortened his 25-year loan by over four years. This strategy, explained by CA Paaras Gangwal, works by directly reducing the loan's principal, thereby lowering future interest charges and accelerating repayment without altering monthly payments. ...Less