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

Homeowners can now potentially claim tax deductions on interest paid for both their original home loan an ...More

Homeowners can now potentially claim tax deductions on interest paid for both their original home loan and a subsequent loan taken to repay it, under the old tax regime. This benefit, supported by a 1969 CBDT circular and expected to continue under the Income-tax Act, 2025, allows for dual deductions up to Rs 2 lakh for self-occupied properties. ...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

Home loan insurance is emerging as an important financial safeguard for Indian homebuyers, helping famili ...More

Home loan insurance is emerging as an important financial safeguard for Indian homebuyers, helping families manage outstanding loan liabilities in unforeseen circumstances. With rising homeownership and larger loan sizes, more borrowers are actively seeking protection solutions that offer both affordability and flexibility. The article explores the benefits of home loan insurance, evolving consumer preferences, and the growing importance of transparency and choice. It also highlights recent regulatory measures aimed at strengthening consumer rights and preventing mis-selling. ...Less

A Bengaluru chartered accountant revealed the substantial long-term cost of home loan interest, which can ...More

A Bengaluru chartered accountant revealed the substantial long-term cost of home loan interest, which can double a property's price. She advocates for a simple strategy: investing a small monthly sum in index funds alongside EMI payments. This approach, she calculates, can generate significant wealth over two decades, potentially offsetting the entire interest paid and leaving a substantial net gain, transforming a financial burden into a wealth-building opportunity. ...Less

A Bengaluru tech professional earning Rs 45 lakh annually confessed to feeling 'broke' due to his spendin ...More

A Bengaluru tech professional earning Rs 45 lakh annually confessed to feeling 'broke' due to his spending habits. His monthly expenses, including a Rs 63,000 home loan EMI and Rs 32,000 on discretionary spending like shopping and vacations, leave him with nothing at month's end. This revelation has sparked widespread online debate about financial management. ...Less

A property expert reveals a common 'math illusion' surrounding real estate gains. Many investors overlook ...More

A property expert reveals a common 'math illusion' surrounding real estate gains. Many investors overlook significant expenses like stamp duty, brokerage, and capital gains tax, which can drastically reduce apparent profits. Home loan interest and ongoing maintenance costs further erode returns. The expert suggests differentiating between land and building value for accurate long-term wealth assessment. ...Less

The sector regulator has recalled refinancing support worth nearly Rs 500 crore —a punitive action that h ...More

The sector regulator has recalled refinancing support worth nearly Rs 500 crore —a punitive action that has set off a sweeping leadership overhaul at the company. ET was the first to report on April 13 that managing director and CEO Sachinder Bhinder was being asked to step down, with Manu Singh — former home loans head at Kotak Mahindra Bank — set to take over. A week later, on April 20, the company confirmed Bhinder's resignation and Singh's appointment as the new CEO. ...Less

A significant reshuffle is underway in the finance departments of major Indian banks. Axis Bank and Bandh ...More

A significant reshuffle is underway in the finance departments of major Indian banks. Axis Bank and Bandhan Bank have seen their Chief Financial Officers resign, sparking speculation about future leadership. This follows another high-profile departure from HDFC Bank. Industry insiders suggest a potential move for one CFO to HDFC Bank, while another might step into the Axis Bank role, creating an unusual churn ahead of financial results. ...Less

A Rs 2 lakh monthly salary might seem like peak success, but financial expert Meenal Goel highlights how ...More

A Rs 2 lakh monthly salary might seem like peak success, but financial expert Meenal Goel highlights how high earners can still be vulnerable. She explains that substantial fixed expenses can leave individuals dependent on every paycheck, with little buffer if income stops. The real goal, Goel emphasizes, is building assets and systems for financial independence, not just earning more. ...Less

Kotak Mahindra Bank has significantly expanded its footprint by acquiring Deutsche Bank's retail, private ...More

Kotak Mahindra Bank has significantly expanded its footprint by acquiring Deutsche Bank's retail, private banking, and wealth management operations in India. This substantial deal, one of the largest in recent years, includes approximately ₹29,000 crore in loans and ₹16,000 crore in deposits. Around 1.5 lakh clients and nearly 1,000 employees will now join Kotak Mahindra Bank, bolstering its presence in the Indian financial landscape. ...Less

States are rapidly digitizing land records to streamline India's complex property market. This move aims ...More

States are rapidly digitizing land records to streamline India's complex property market. This move aims to curb disputes, speed up transactions, and boost credit access by creating transparent, integrated ownership data. Buyers, homeowners, developers, and banks stand to gain significantly from enhanced efficiency and reduced risks. While not a magic bullet for all disputes, this modernization is a crucial step for economic growth and improved ease of doing business. ...Less

Actor Shreyas Talpade recently shared how Shah Rukh Khan and Farah Khan helped him buy his first house in ...More

Actor Shreyas Talpade recently shared how Shah Rukh Khan and Farah Khan helped him buy his first house in Mumbai. The actor was recently seen in Welcome to the Jungle alongside Akshay Kumar, Suniel Shetty, Paresh Rawal, Disha Patani and 29 other actors. The film is running successfully in the theatres. ...Less

A 32-year-old professional earning ₹2 lakh per month sparked a debate on Reddit after asking whether he s ...More

A 32-year-old professional earning ₹2 lakh per month sparked a debate on Reddit after asking whether he should buy a ₹1 crore flat through a home loan or continue investing aggressively to build a ₹1 crore-plus portfolio first. While some users highlighted the emotional value of owning a home, most commenters favoured prioritising investments, citing financial flexibility, job uncertainty and the burden of long-term EMIs. The discussion underscored a growing dilemma among young Indians balancing wealth creation with home ownership. ...Less

Affordable housing finance companies are poised for a growth rebound from FY27, according to Kotak Instit ...More

Affordable housing finance companies are poised for a growth rebound from FY27, according to Kotak Institutional Securities. After a subdued period due to lending slowdowns and competition, industry trends are already showing improvement. Disbursement growth accelerated in the latter half of FY26, with managements expressing optimism. While healthy growth is expected in early FY27, macroeconomic factors like monsoon, inflation, and interest rates will shape the latter half of the year. ...Less

India's equity markets are poised for a strong performance as falling commodity prices and easing supply ...More

India's equity markets are poised for a strong performance as falling commodity prices and easing supply chain issues are set to boost corporate earnings. Deepak Shenoy of Capitalmind Mutual Fund anticipates improved margins and sales volumes for businesses. While risks like monsoon vagaries and global inflation persist, the medium-term economic outlook remains robust, with asset-heavy sectors expected to lead market growth. ...Less

Urban professionals are increasingly trapped by rising lifestyle costs, not low income, according to Char ...More

Urban professionals are increasingly trapped by rising lifestyle costs, not low income, according to Chartered Accountant Nitin Kaushik. He argues that expensive homes, premium schools, and luxury habits create an illusion of wealth, leaving individuals financially fragile. This "Premium Fragility" means a temporary income interruption can lead to collapse, highlighting that true financial freedom lies in reducing dependencies, not just increasing salary. ...Less

Retirement planning: Dipping into your retirement corpus for urgent needs can be a costly mistake, potent ...More

Retirement planning: Dipping into your retirement corpus for urgent needs can be a costly mistake, potentially costing you lakhs by retirement. Experts emphasize building a robust emergency fund, ideally covering six months to two years of expenses. This fund, held in low-risk, easily accessible instruments like savings accounts or liquid funds, acts as a crucial buffer against unforeseen events, safeguarding your long-term financial future. ...Less

The reason NBFC stocks reacted quickly to the easing of the US-Iran war risk is not difficult to understa ...More

The reason NBFC stocks reacted quickly to the easing of the US-Iran war risk is not difficult to understand. For a lender, macro relief travels faster than it does for many manufacturing businesses. Lower crude reduces pressure on inflation, inflation relief reduces pressure on bond yields, and softer yields reduce the cost of money. For NBFCs, which depend more on market borrowing than banks, that chain matters directly. 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

Relative outperformance and absolute performance – and the context in which they happen. These are three ...More

Relative outperformance and absolute performance – and the context in which they happen. These are three things market investors need to understand much better when it comes to banking stocks. And the likelihood is that all three will see a change. 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

Chartered accountant Paaras Gangwal advises caution on home loan prepayments. He explains that early loan ...More

Chartered accountant Paaras Gangwal advises caution on home loan prepayments. He explains that early loan prepayments yield significant savings. Prepaying in the initial years is more beneficial than in the final stages. Gangwal stresses the importance of an emergency fund before making extra payments. Understanding loan structure is key to maximizing financial gains. ...Less

The interesting point about the large-cap space today is not that prices have collapsed. In most cases, t ...More

The interesting point about the large-cap space today is not that prices have collapsed. In most cases, they have not. The more important change is quieter. Several established businesses are available at valuations that look more reasonable than they did 18 months ago. Their fundamentals have not broken. Their market positions have not disappeared. Their balance sheets have not deteriorated. That is what creates an opportunity. ...Less

Any long-term investor knows that corrections are part of every bull run. But it is important that they b ...More

Any long-term investor knows that corrections are part of every bull run. But it is important that they be aware whether the correction is led by global or domestic factors. Why? Because the magnitude of a correction in terms of price damage, how long it lasts, and how the recovery shapes up are different for those sparked by global and domestic events. The latest correction in India probably is a mix of both. A war in the Gulf and an increase in oil prices leading to domestic problems: Fiscal pressure and the possibility of a spike in inflation. ...Less

For Non-Resident Indians (NRIs), an Indian credit card offers significant benefits beyond convenience, in ...More

For Non-Resident Indians (NRIs), an Indian credit card offers significant benefits beyond convenience, including building a crucial CIBIL score for future borrowing and simplifying rupee-denominated expenses. While unsecured cards are increasingly available, understanding forex charges, repayment mechanisms, and FEMA compliance is vital before applying. ...Less

When business updates start to come in or when some FMCG or auto companies indicate that things are not a ...More

When business updates start to come in or when some FMCG or auto companies indicate that things are not all good in the rural space, we may see some volatility in some sectors. A below par monsoon could be the culprit. Also, keep an eye out for news about agricultural output. That is something the market does not normally watch very carefully. ...Less

The Reserve Bank of India has prohibited third-party incentives to employees of regulated entities, while ...More

The Reserve Bank of India has prohibited third-party incentives to employees of regulated entities, while allowing banks and NBFCs to reward staff for selling financial products. New norms, effective January 1, 2027, aim to prevent aggressive sales and mis-selling by ensuring customers have choices and prohibiting product bundling. Social media influencers will be treated as direct selling agents. ...Less

Indian consumers are set for a strong recovery. Falling interest rates and potential oil price drops are ...More

Indian consumers are set for a strong recovery. Falling interest rates and potential oil price drops are boosting confidence. Tax cuts are already in place. This positive shift is expected to drive spending across various sectors. Experts see this as a broad-based improvement. Digital platforms are also highlighted as a key growth area for the coming decade. ...Less

State Bank of India's chairman believes the bank is undervalued, citing improvements in financial strengt ...More

State Bank of India's chairman believes the bank is undervalued, citing improvements in financial strength, customer base, and earnings. He highlighted the success of the Yono digital platform, strengthened capital position, and the significant growth in value from its subsidiaries. SBI is also focusing on technology adoption, including AI, and sees opportunities in power, MSME, and retail lending, positioning itself for future growth despite evolving funding landscapes. ...Less

A home loan EMI calculator is an invaluable tool for financial planning, allowing users to estimate month ...More

A home loan EMI calculator is an invaluable tool for financial planning, allowing users to estimate monthly repayments, total interest, and repayment schedules by inputting loan amount, interest rate, and tenure. It aids in comparing loan options, optimizing tenure, planning prepayments, and potentially saving significant interest costs. ...Less

As the old saying goes: Nothing can be ruled out on the street. Which means that one should be prepared f ...More

As the old saying goes: Nothing can be ruled out on the street. Which means that one should be prepared for anything. Now, what is the probability that the bears will be chased away from the market in the next couple of weeks? It is high. And yes, for some to come, the two words one should look at carefully are “probability” and “possibility”. If the global order is unsettled at a time when the market is in recovery mode, it is better to be cautious and selective at the same time. ...Less

The bulls, who were making a comeback attempt after the US-Iran peace deal, have been hit by the global m ...More

The bulls, who were making a comeback attempt after the US-Iran peace deal, have been hit by the global meltdown in IT services stocks. As IT stocks have significant weightage in the Nifty and Sensex, both indices suffered. This is the second time in the past few weeks that something like this has happened. And it can happen again. 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

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The case dates back to 2010 when the two homebuyers had made bookings for 3BHK flats in a housing society ...More

The case dates back to 2010 when the two homebuyers had made bookings for 3BHK flats in a housing society project initially proposed in Noida. They were promised the possession of the flats in two years by 2012. However, following alleged disputes over land, the society shifted the project to Ghaziabad. ...Less

Salaried individuals can still reduce their tax liability under the new tax regime for FY 2025-26. Key de ...More

Salaried individuals can still reduce their tax liability under the new tax regime for FY 2025-26. Key deductions include employer contributions to NPS and EPF, a standard deduction of Rs 75,000, and interest on home loans for let-out properties. Exempt perquisites and certain official allowances also offer tax benefits. ...Less

When it comes to banking, remember this: PSU and private banks have different kinds of loan books; at the ...More

When it comes to banking, remember this: PSU and private banks have different kinds of loan books; at the end of the day, however, both operate in the same ecosystem and will be equally impacted by what is going on in the economy. So, if the macro picture has improved for the economy, it will impact both segments equally. 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

As per a 2017 RBI report, a typical middle-class Indian family puts 70-80% of its net worth into realty. ...More

As per a 2017 RBI report, a typical middle-class Indian family puts 70-80% of its net worth into realty. No asset class would be considered a sound investment if an adviser suggested putting 80% of everything you own into one stock. Yet, this is precisely what real estate demands. ...Less

A Bengaluru IT employee's clever tax-saving plan is causing a stir online. He pays rent to his wife for a ...More

A Bengaluru IT employee's clever tax-saving plan is causing a stir online. He pays rent to his wife for a home she owns, aiming to reduce his taxable income. While some hail it as smart financial planning, others warn of potential risks and compliance issues. The debate highlights the complexities of tax strategies and the importance of genuine transactions. ...Less

Many professionals earn well but struggle with month-end finances. A Bengaluru CA shared a friend Rohan's ...More

Many professionals earn well but struggle with month-end finances. A Bengaluru CA shared a friend Rohan's story. Despite a Rs 1.2 lakh monthly income, Rohan had little left after EMIs, subscriptions, and lifestyle spending. He lacked insurance and savings. The solution involved prioritizing every rupee and starting small investments. This emphasizes intentional financial planning over just salary size. ...Less

The RBI has kept the repo rate steady at 5.25 percent. Real estate industry bodies CREDAI and NAREDCO wel ...More

The RBI has kept the repo rate steady at 5.25 percent. Real estate industry bodies CREDAI and NAREDCO welcomed this move on Friday. They believe stable interest rates will support housing demand. This decision offers predictability for developers and homebuyers. It aims to maintain market stability amidst global economic challenges. ...Less

The RBI’s decision to keep the repo rate unchanged at 5.25% has provided relief to home loan borrowers, b ...More

The RBI’s decision to keep the repo rate unchanged at 5.25% has provided relief to home loan borrowers, but rising inflation could trigger future rate hikes and costlier EMIs. Borrowers can reduce interest burden through strategies such as home loan prepayments, paying an extra EMI annually, or refinancing at lower rates. These methods can save lakhs in interest and significantly shorten loan tenure. ...Less

Piramal Finance is transforming into an AI-native organization, shifting from data-driven to knowledge-dr ...More

Piramal Finance is transforming into an AI-native organization, shifting from data-driven to knowledge-driven operations. By embedding AI into every function, the company is enhancing real-time insights and customer service. This strategic evolution aims to institutionalize knowledge, improve operational efficiency, and accelerate new product launches, ensuring humans remain central to decision-making. ...Less

As the market seems to be in comeback mode, it helps to be aware that the best (and probably biggest) wea ...More

As the market seems to be in comeback mode, it helps to be aware that the best (and probably biggest) wealth creator of the last couple of decades was also a major underperformer in the past four years. Has it underperformed as a business? The answer: No. So, when investing, remember that stocks may underperform, but a business may or may not underperform. As a fresh move starts in the market, don't assume that what has done well in the past will continue to do so. ...Less

If oil prices stay at higher levels, some FPIs with exposure to the Indian banking sector through ETFs mi ...More

If oil prices stay at higher levels, some FPIs with exposure to the Indian banking sector through ETFs might decide to sell, putting these stocks under pressure at periodic intervals. 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

A Pune couple's Rs 2.2 lakh monthly expenditure is sparking debate on urban Indian living costs. Despite ...More

A Pune couple's Rs 2.2 lakh monthly expenditure is sparking debate on urban Indian living costs. Despite cooking at home and using an EV, high daycare fees, rent, and a substantial Rs 1.1 lakh home loan EMI are major drivers. Their detailed breakdown questions if these expenses are the new normal for middle-class families. ...Less

With retail inflation easing to 3.48% in April and remaining below the RBI's 4% target, industry stakehol ...More

With retail inflation easing to 3.48% in April and remaining below the RBI's 4% target, industry stakeholders see little immediate pressure on interest rates, creating a favourable backdrop for the housing market. ...Less

Sachin Bansal's Navi Technologies is in talks to raise $250-300 million at a $1.8-2 billion valuation, po ...More

Sachin Bansal's Navi Technologies is in talks to raise $250-300 million at a $1.8-2 billion valuation, potentially from Prosus and Accel Growth Fund. This funding aims to expand its lending business in Southeast Asia, following strong performance in India. The move comes after a period of regulatory scrutiny and a shift from IPO plans to private capital. ...Less

Homebuyers often overlook the true cost of 30-year home loans. Early EMIs primarily pay interest, not pri ...More

Homebuyers often overlook the true cost of 30-year home loans. Early EMIs primarily pay interest, not principal. Chartered Accountant Nitin Kaushik explains this structure benefits banks significantly in the initial years. Aggressive prepayment is highlighted as a key strategy to reduce long-term interest payments and loan tenure. Reviewing loan statements and increasing payments when possible is advised. ...Less

Retirement planning should focus on generating sustainable income while ensuring the corpus lasts through ...More

Retirement planning should focus on generating sustainable income while ensuring the corpus lasts throughout life. Key factors include accounting for inflation, healthcare costs, liabilities, and lifestyle needs. Maintaining a balanced asset mix with some equity exposure for growth and gradually increasing debt allocation with age can provide liquidity and stability. ...Less

The Reserve Bank of India has maintained the repo rate at 5.25%. This decision comes as policymakers asse ...More

The Reserve Bank of India has maintained the repo rate at 5.25%. This decision comes as policymakers assess the effects of higher energy prices and supply chain issues. The ongoing West Asia conflict is a key factor. Home loans and business borrowing costs are expected to remain stable. Savers will likely see fixed deposit rates stay near current levels. ...Less

Brokerages remained positive on select telecom, aviation and banking largecaps despite near-term macro un ...More

Brokerages remained positive on select telecom, aviation and banking largecaps despite near-term macro uncertainties. Elara Capital initiated coverage on Bharti Airtel, Bharti Hexacom and Indus Towers, citing rising data consumption, improving ARPU and stronger cash flows. Goldman Sachs retained a bullish view on InterGlobe Aviation, expecting resilient yields and international expansion to support earnings, while JM Financial maintained a Buy on SBI, backed by its retail franchise and stable medium-term return profile. ...Less

Families need more than ₹1 crore in term insurance. Rising expenses and loans mean a higher cover is esse ...More

Families need more than ₹1 crore in term insurance. Rising expenses and loans mean a higher cover is essential. Experts suggest ₹1.5 crore or more. Buying early offers lower premiums and secures coverage. Policies can be increased later to match growing responsibilities. This ensures financial security for loved ones. ...Less

A Pune family of three revealed their monthly expenses total ₹2.2 lakh, sparking debate on living costs. ...More

A Pune family of three revealed their monthly expenses total ₹2.2 lakh, sparking debate on living costs. Despite owning an EV and cooking at home, rent, daycare, and a home loan EMI contribute significantly to their budget. The woman clarified that the EMI is for an under-construction property, and daycare costs reflect local rates. ...Less

A Bengaluru software engineer was surprised to discover that his Rapido bike taxi rider was also a softwa ...More

A Bengaluru software engineer was surprised to discover that his Rapido bike taxi rider was also a software developer working at a multinational company and earning a six-figure salary. The rider revealed that he drives on weekends to earn extra income and provide greater financial security for his family. Shared on X by user Shabaz, the story quickly went viral and sparked discussions about rising living costs. ...Less

Just look at developments in the past 48 hours. The war between Iran and Israel resumed, but within hours ...More

Just look at developments in the past 48 hours. The war between Iran and Israel resumed, but within hours Tehran said it had halted all offensive operations. This suggests that the US is making an attempt to settle matters; but it might not be an easy thing to achieve. Coming to the market, the way the street has treated Q4 FY26 numbers shows that selling pressure can emerge for stocks that disappoint. And in all probability, there are more disappointments than positive surprises. ...Less

India changed the base year used to measure its economy from 2011-12 to 2022-23. The first full-year prov ...More

India changed the base year used to measure its economy from 2011-12 to 2022-23. The first full-year provisional numbers under the new yardstick landed on June 5. Real GDP growth for FY26 came in at 7.7%, while nominal GDP stood at Rs. 346.36 lakh crore. The economy did not suddenly change. The denominator did. That matters because every macro ratio investors look at (debt-to-GDP, market-cap-to-GDP, tax-to-GDP) now sits on a recalibrated base. This is the framework investors need before the next round of macro headlines arrives. ...Less

Home loan interest rates: Choosing a home loan involves comparing floating and fixed interest rates. Floa ...More

Home loan interest rates: Choosing a home loan involves comparing floating and fixed interest rates. Floating rates can decrease but also increase with RBI policy. Fixed rates offer stable EMIs, which can be beneficial as income grows. ET Wealth Online presents the 10 lowest fixed and floating home loan rates from banks as of May 25, 2026. ...Less

Given how the market has moved in the last five-six trading sessions, the probability is high that a new ...More

Given how the market has moved in the last five-six trading sessions, the probability is high that a new readjustment trade has started. This trade takes into account the second- and third-order impact of rising crude oil prices, as also a poor monsoon that could play spoilsport for the Indian economy. What does this mean for the banking sector? 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

Many taxpayers mistakenly believe the New Tax Regime offers no deductions. However, salaried employees an ...More

Many taxpayers mistakenly believe the New Tax Regime offers no deductions. However, salaried employees and pensioners can claim a Rs 75,000 standard deduction. Employer contributions to NPS and interest on home loans for let-out properties are also still permissible, reducing overall tax liability. ...Less

Bengaluru property owners can face challenges with mutation without an existing Khata. While legally poss ...More

Bengaluru property owners can face challenges with mutation without an existing Khata. While legally possible with valid title documents, the absence of a Khata complicates the process, often delaying updates in municipal records. Properties with B Khata can be sold and mutated, but buyers should be aware of associated risks and the fact that mutation doesn't regularize the property. ...Less

A Bengaluru tech professional is experiencing significant financial stress after purchasing his first hom ...More

A Bengaluru tech professional is experiencing significant financial stress after purchasing his first home. Despite a good salary, the home loan EMI, rent, and upcoming registration and interior costs are overwhelming. He also supports his parents and siblings. He is now considering selling company stocks and renting out a room to manage the expenses. ...Less

Filing your Income Tax Return is more than just a tax duty. It acts as a vital financial record. It helps ...More

Filing your Income Tax Return is more than just a tax duty. It acts as a vital financial record. It helps in getting loans approved. You can claim tax refunds if you paid extra. Your ITR proves your income, especially for freelancers. It allows carrying forward losses to reduce future taxes. Many countries require it for visa applications. ...Less

Bill Pulte, Director of the Federal Housing Finance Agency, has been appointed as acting Director of Nati ...More

Bill Pulte, Director of the Federal Housing Finance Agency, has been appointed as acting Director of National Intelligence by President Donald Trump in a major administrative reshuffle. Known for overseeing Fannie Mae and Freddie Mac, Pulte has primarily worked in housing finance and business sectors. His unexpected move into intelligence leadership has drawn attention due to his lack of formal national security or military experience. ...Less

The news mix could not be more confusing. On the one hand, the US House voted to halt Trump’s Iran war, a ...More

The news mix could not be more confusing. On the one hand, the US House voted to halt Trump’s Iran war, and Israel and Lebanon again agreed to a ceasefire. But on the other, attacks on Gaza continued, there were fresh clashes between the US and Iran, and the talk emerging from Tehran remained defiant. So, don’t be surprised if the markets remain confused, with uncertainty being the predominant emotion. The market is not currently for those with a short-term outlook. Why? Because there are many macro headwinds. One will have to look and think beyond them to invest. ...Less

Another down day, and another week where the market started with a cut. There is, at this juncture, no po ...More

Another down day, and another week where the market started with a cut. There is, at this juncture, no point in guessing what will happen to the Nifty and Sensex. That depends on many things which have nothing to do with fundamentals – and also have something to do with fundamentals. Yes, we are saying both, for a simple reason: In the last few days, there have been events that will have some impact on the fundamentals and operating matrices of several sectors. ...Less

Shalibhadra Finance is set for major expansion. The company aims to more than double its loan book by FY2 ...More

Shalibhadra Finance is set for major expansion. The company aims to more than double its loan book by FY29. This growth will be fueled by new products like Micro LAP and home loans. Geographic expansion into new states is also planned. Technology investments will enhance efficiency. Shalibhadra Finance is positioning itself for significant growth in the retail finance sector. ...Less

Borrowers struggling with debt often face harassment from recovery agents through abusive calls, threats, ...More

Borrowers struggling with debt often face harassment from recovery agents through abusive calls, threats, public shaming, and unauthorised visits, despite RBI rules prohibiting such practices. Experts say many borrowers are unaware of their rights and grievance mechanisms. RBI guidelines allow complaints against harassment and provide borrower protections, while debt restructuring and one-time settlements can help resolve repayment difficulties and reduce financial stress. ...Less

A high-earning Bengaluru couple, earning Rs 70 lakh annually, is living paycheck to paycheck due to the c ...More

A high-earning Bengaluru couple, earning Rs 70 lakh annually, is living paycheck to paycheck due to the city's high cost of living. Their substantial expenses on home and car loans, alongside school fees, leave little for savings, sparking debate online about financial prudence versus urban economic pressures. ...Less

Most investors live by one ratio. That ratio that tells them all they want to know – or should one say al ...More

Most investors live by one ratio. That ratio that tells them all they want to know – or should one say all they want to hear? They open a screen, sort by it, and start picking from the bottom. It is the habit of a lifetime, and it is wrong more often than they realise. But add a single letter to the ratio and it changes which stocks look cheap, which look expensive, and which look like a trap. In a market that has gone nowhere for 20 months, getting that distinction right has rarely mattered more. ...Less

India's decade-old Insolvency and Bankruptcy Code has revolutionized corporate finance, ending a 'default ...More

India's decade-old Insolvency and Bankruptcy Code has revolutionized corporate finance, ending a 'defaulter's paradise' and recovering trillions. While significantly boosting financial stability and economic growth, the law now faces challenges from judicial delays. Recent amendments aim to address these bottlenecks, ensuring the code's continued effectiveness in safeguarding India's economic progress. ...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. 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

After a decade of downsizing the wholesale business, Karur Vysya now plans to reverse it by raising the c ...More

After a decade of downsizing the wholesale business, Karur Vysya now plans to reverse it by raising the corporate loan share to 20% in the next two years from 14% at present. It also plans to enter into the credit card business, and loans against mutual funds are on the cards, too, as is a renewed focus on microloans. ...Less

Karur Vysya Bank is set for significant growth. The bank plans to expand its balance sheet by entering th ...More

Karur Vysya Bank is set for significant growth. The bank plans to expand its balance sheet by entering the credit card business and offering loans against mutual funds. A renewed focus on microloans and increasing corporate lending are also key strategies. These initiatives aim to diversify revenue streams and boost overall expansion. ...Less

A shocking rise in family financial crisis after layoffs is emerging as global job cuts accelerate across ...More

A shocking rise in family financial crisis after layoffs is emerging as global job cuts accelerate across tech, fintech, and aviation sectors. In recent months, multiple households have reported simultaneous unemployment among all earning members, pushing savings under pressure. Rising interest rates, shrinking job openings, and delayed hiring are worsening stress levels. Many families now face mortgage defaults and income collapse at the same time. ...Less

A Reddit user sparked debate online after revealing they paid off a Rs 45 lakh home loan eight years earl ...More

A Reddit user sparked debate online after revealing they paid off a Rs 45 lakh home loan eight years early by putting every spare rupee towards prepayment instead of investments. While some friends criticised the decision, arguing the money could have generated better returns through mutual funds, the homeowner said becoming debt-free brought unmatched peace of mind and better sleep. ...Less

Bengaluru's Greater Authority is hosting an e-Khata open house on May 23, 2026, from 10 AM to 5 PM across ...More

Bengaluru's Greater Authority is hosting an e-Khata open house on May 23, 2026, from 10 AM to 5 PM across various locations including Whitefield and Koramangala. This event, part of the Bhoo Guarantee-6th Guarantee scheme, aims to resolve citizen issues and provide on-the-spot assistance for Khata-related services. ...Less

If the price of crude oil softens, Indian equities may again see a risk-on phase. Tariff concerns are no ...More

If the price of crude oil softens, Indian equities may again see a risk-on phase. Tariff concerns are no longer the central issue; the larger market trigger is oil, because crude influences inflation, currency, margins, fiscal comfort, and foreign investor appetite. In such a market, one-time favourites often return to the screen. But not every familiar name deserves fresh capital. These 25 stocks should be on the watchlists of both traders and investors. Some have upside potential, some do not. But all need to be judged through liquidity, institutional interest, sector triggers, and price confirmation. ...Less

Delhi-based entrepreneur Gaurav Kawatra has gone viral after sharing how he lost his Rs 5 lakh-a-month co ...More

Delhi-based entrepreneur Gaurav Kawatra has gone viral after sharing how he lost his Rs 5 lakh-a-month corporate job in 2018 while managing a Rs 2 crore home loan. In a LinkedIn post, he recalled receiving only a three-day notice period with no severance package, followed by months of panic attacks, rejection and financial stress. ...Less

Yes Bank is embarking on an ambitious journey to enhance its foundational elements—people, processes, pro ...More

Yes Bank is embarking on an ambitious journey to enhance its foundational elements—people, processes, products, and technology. With a keen eye on both corporate and retail sectors, the bank is committed to fostering resilient growth. While it remains vigilant about lending to MSMEs in light of geopolitical uncertainties, there's currently no sign of distress. ...Less

Retail market investors are presented with a choice. Act now, when the uncertainty quotient is high. Or, ...More

Retail market investors are presented with a choice. Act now, when the uncertainty quotient is high. Or, wait for things to settle down. In the second case, you may end up buying stocks that are priced 5-10% higher compared to current levels. But the advantage is that your anxiety quotient will be much lower. And that is important, because decisions taken in anxious times can be terrible for the health of your portfolio. Also: As the market makes a serious attempt at a recovery, sticking to some important rules is a must. ...Less

Larger banks are dominating the home loan market. Mid-sized private banks are struggling as competition s ...More

Larger banks are dominating the home loan market. Mid-sized private banks are struggling as competition squeezes profits. State Bank of India, ICICI Bank, HDFC Bank and Kotak Mahindra Bank are expanding their mortgage books using lower funding costs and wider reach. ...Less

Given the latest news flow from the Gulf region, the probability is high that we might once again see the ...More

Given the latest news flow from the Gulf region, the probability is high that we might once again see the bulls attempting a comeback. As uncertainty caused by the US-Iran war continues, just remember one thing: Keep your eye on the Q4 earnings numbers that are pouring in. Finally, that is what matters to the street. ...Less

Rising Treasury yields are forcing investors to sell government debt. This is due to increased risks from ...More

Rising Treasury yields are forcing investors to sell government debt. This is due to increased risks from higher interest rates and fewer mortgage refinances. Stronger inflation data has led markets to expect further Federal Reserve action. This activity is causing significant swings in the bond market. ...Less

Auto and two-wheeler loan originations saw a significant drop in Q4 FY26 after a December quarter surge, ...More

Auto and two-wheeler loan originations saw a significant drop in Q4 FY26 after a December quarter surge, with auto loans declining 11.6% and two-wheeler loans by 22%. Despite price volatility, gold loan originations increased, and overall retail loans grew 16.6% in FY26, with stressed advances reducing. ...Less

India's real estate sector needs Rs 50 lakh crore capital over the next decade to reach a $1 trillion mar ...More

India's real estate sector needs Rs 50 lakh crore capital over the next decade to reach a $1 trillion market by 2030. The financing ecosystem is shifting towards institutional sources, though affordable housing and smaller developers still face funding gaps. Emerging sectors like data centers and logistics are poised for significant capital inflow. ...Less

A Delhi woman's Rs 20 lakh life insurance claim, denied due to alleged non-disclosure of diabetes and kid ...More

A Delhi woman's Rs 20 lakh life insurance claim, denied due to alleged non-disclosure of diabetes and kidney diseases, was upheld by the State Consumer Commission. The insurer failed to provide sufficient proof of deliberate concealment, leading to a ruling in favor of the policyholder. ...Less

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A post by Chartered Accountant Nitin Kaushik has sparked debate online after he claimed that buying a hou ...More

A post by Chartered Accountant Nitin Kaushik has sparked debate online after he claimed that buying a house in today’s market has become “mathematically impossible” for many young professionals. Comparing property prices from the early 2000s to current rates in Tier 1 cities, he argued that rising costs, long EMIs and stagnant income growth have changed the economics of home ownership, making real estate less practical as a “safe asset” for the younger generation. ...Less

A Delhi-based entrepreneur has gone viral after sharing how getting fired from a ₹5 lakh-per-month corpor ...More

A Delhi-based entrepreneur has gone viral after sharing how getting fired from a ₹5 lakh-per-month corporate job in 2018 completely changed his life. In a deeply personal LinkedIn post, Gaurav Kawatra spoke about losing his high-paying role, struggling with panic attacks and rejection, and eventually rebuilding his career through entrepreneurship. His story has now sparked conversations online around layoffs, EMI pressure, corporate dependency and survival after job loss. ...Less

A PSU employee retiring with nearly Rs 1 crore faces family anxiety due to his history of financial misma ...More

A PSU employee retiring with nearly Rs 1 crore faces family anxiety due to his history of financial mismanagement and falling victim to scams. Despite decades of hard work, the family is still repaying loans, prompting the son to seek advice on safeguarding the retirement corpus and ensuring stable income for his parents. ...Less

Many Indians take home loans and keep their monthly payments the same for decades. As salaries increase, ...More

Many Indians take home loans and keep their monthly payments the same for decades. As salaries increase, this comfortable approach benefits banks significantly. A large portion of early EMIs goes towards interest, not the loan principal. Experts advise gradually increasing EMIs with income to save lakhs in interest and reduce loan tenure. ...Less

Chartered Accountant Nitin Kaushik highlights a major financial oversight by high earners. Many professio ...More

Chartered Accountant Nitin Kaushik highlights a major financial oversight by high earners. Many professionals build substantial portfolios but ignore term insurance. This lack of protection is like building a skyscraper on sand. A small annual premium can secure a family's future. Investments grow wealth, but insurance protects against financial collapse. ...Less

For the next few weeks, what needs to be watched is market breadth. And also look at which sectors are le ...More

For the next few weeks, what needs to be watched is market breadth. And also look at which sectors are leading the rally. Why? Because, at this point of time, there are sectors and stocks which may see a recovery just because they are witnessing a short-covering bounce. And one needs to differentiate between short covering rallies and uptrends happening for fundamental reasons. ...Less

Appraisal season this year saw companies begin aligning salary structures with new labour codes and updat ...More

Appraisal season this year saw companies begin aligning salary structures with new labour codes and updated income tax rules. While some firms implemented changes from April, broader adoption remains gradual. Higher basic pay and social security contributions may reduce take-home salaries despite hikes. The choice between old and new tax regimes now depends on deductions, HRA claims and paperwork readiness. ...Less

A grey market for discounted AI credits has emerged following Y Combinator's Startup School in India. Att ...More

A grey market for discounted AI credits has emerged following Y Combinator's Startup School in India. Attendees are selling free credits for AWS, Azure, and OpenAI at reduced prices, with some facing activation issues and restrictions. These messages are from founders, engineers and student builders. ...Less

Nayana Vaidya built Om Sai Surgicals from a modest beginning. Her company achieved a turnover of nearly ₹ ...More

Nayana Vaidya built Om Sai Surgicals from a modest beginning. Her company achieved a turnover of nearly ₹48 crore. Vaidya finds satisfaction in the work itself, not just the financial success. Her journey highlights patience and steady growth in the healthcare distribution sector. She earned her first crore around 2010. ...Less

Bonds are a crucial financial tool for retail investors. They allow individuals to become lenders, earnin ...More

Bonds are a crucial financial tool for retail investors. They allow individuals to become lenders, earning fixed interest income. This income can be used for expenses or reinvested, building wealth. Bonds provide stability and regular income, complementing equities for balanced portfolios. Access to bonds is improving, empowering investors to understand money's mechanics and build structured portfolios. ...Less

It is a question often heard on the street: Which is better, private or PSU banks? To some extent, it is ...More

It is a question often heard on the street: Which is better, private or PSU banks? To some extent, it is a meaningless question. Both private and PSU banks operate in the same ecosystem and are equally impacted by what happens to the economy. What plays an important part in their stock price is the difference in ownership structure. 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

As Bandhan Bank accelerates its transition from a microfinance-led institution into a universal bank, Exe ...More

As Bandhan Bank accelerates its transition from a microfinance-led institution into a universal bank, Executive Director & COO Ratan Kumar Kesh explains how technology, AI, and data are reshaping lending, customer acquisition, and financial empowerment. ...Less

A tech professional earning Rs 40 lakh annually struggles with minimal savings due to significant EMIs on ...More

A tech professional earning Rs 40 lakh annually struggles with minimal savings due to significant EMIs on a Rs 2 crore flat and a car, alongside monthly expenses. This highlights how high income doesn't guarantee financial freedom, as liabilities can consume a large portion of earnings, leaving little for savings. ...Less