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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 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

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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

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

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

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

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

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

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

There are reasons to expect more volatility in the short term. The Street will adjust to the likely decli ...More

There are reasons to expect more volatility in the short term. The Street will adjust to the likely decline of both the top and bottom lines of companies in some sectors, especially in the case of companies where oil and/or any imported element has a role to play as raw material. 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

Bengaluru property owners can now convert their B-Khata to A-Khata through government-organized camps sta ...More

Bengaluru property owners can now convert their B-Khata to A-Khata through government-organized camps starting May 16th. Under the 'Bhoo Guarantee' scheme, this conversion requires paying only 2% of the guidance value, a significant reduction from the previous 5%. This initiative aims to formalize property records, enhance transparency, and provide legal security to lakhs of families. ...Less

Many are trading metro life for tier 2 cities, seeking better quality of life, cleaner environments, and ...More

Many are trading metro life for tier 2 cities, seeking better quality of life, cleaner environments, and reduced stress. While income may fall, lower expenses and proximity to family are significant draws. However, career growth, job opportunities, and infrastructure quality remain crucial considerations for this evolving relocation trend. ...Less

Canara Bank has revised its lending rates. The bank increased its Marginal Cost of Funds Based Lending Ra ...More

Canara Bank has revised its lending rates. The bank increased its Marginal Cost of Funds Based Lending Rate by 5 basis points for all loan tenors. These new rates are effective from May 12, 2026. Borrowers with MCLR-linked loans may see higher EMIs. Bank of Baroda has kept its MCLR rates unchanged. ...Less

Chairman C S Setty said that the bank, which has the highest market share in the highly competitive affor ...More

Chairman C S Setty said that the bank, which has the highest market share in the highly competitive affordable housing segment, has seen the average loan size increase to Rs 51 lakh now, compared to around Rs 35-40 lakh two years ago. ...Less

A Chartered Accountant has sparked debate by questioning the financial logic of buying homes in urban Ind ...More

A Chartered Accountant has sparked debate by questioning the financial logic of buying homes in urban India compared to renting. In a post on X, CA Nitin Kaushik highlighted that in cities like Mumbai and Bengaluru, rental yields remain low while home loan interest rates are significantly higher, creating an unfavorable gap for buyers. He also pointed out additional costs such as stamp duty and registration, which can add up to 5%–7% upfront, making home ownership expensive from the start. ...Less

Inflation is at a 13-month high, primarily led by a rise in food prices. And with an impending fuel price ...More

Inflation is at a 13-month high, primarily led by a rise in food prices. And with an impending fuel price hike, it could spike even more. An appeal by the prime minister for austerity, an earnings season with some good and more not-so-good numbers, and valuations that are not cheap even even after an extended correction. All this is a perfect cocktail for a correction. There may be a silver lining, though. 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

The amount you borrow should depend on your personal financial situation, including monthly expenses, exi ...More

The amount you borrow should depend on your personal financial situation, including monthly expenses, existing liabilities, lifestyle needs, and long-term financial goals such as children’s education, retirement planning, or emergency savings. Ideally, the EMI should not exceed 35–40% of your monthly take-home income. ...Less

As nothing can be ruled out on the street, be prepared for anything. Now, what is the probability that th ...More

As nothing can be ruled out on the street, 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? The optimist will say that there has been no negative news from the Gulf region. There are even reports that some ships have been able to cross the Strait of Hormuz without any trouble. But the pessimist will say that it is just the lull before the storm and that the region’s troubles are far from over. The reality is that no one can say anything with certainty. ...Less

A chartered accountant suggests renting may be financially smarter than buying property in Indian metro c ...More

A chartered accountant suggests renting may be financially smarter than buying property in Indian metro cities. He highlights a gap between rental yields and home loan interest rates. Investing the difference could build more wealth over time. This challenges a long-held belief about homeownership. Young professionals are increasingly weighing flexibility and investment growth. ...Less

Indian Bank's chief Binod Kumar expects interest rates to rise and net interest margins to fall as India ...More

Indian Bank's chief Binod Kumar expects interest rates to rise and net interest margins to fall as India develops. He plans to raise capital for Expected Credit Loss norms and launch a wealth management business. The bank aims for strong growth in retail and MSME loans. Consolidation could help Indian banks achieve global scale. ...Less

Securing a home loan requires careful financial planning. Understanding eligibility criteria, using an EM ...More

Securing a home loan requires careful financial planning. Understanding eligibility criteria, using an EMI calculator, and checking your credit score are crucial steps. Evaluating loan charges and strengthening your profile can lead to a more favorable borrowing experience and a sustainable homeownership journey. ...Less

A viral post by Bengaluru techie Sakshi highlights how owning assets, not just high salaries, builds true ...More

A viral post by Bengaluru techie Sakshi highlights how owning assets, not just high salaries, builds true wealth. Her village cousin, earning less but owning land and a home, boasts a net worth of Rs 2.2 crore, while her city-dwelling, high-earning cousin has only Rs 18 lakh due to expenses and debt. ...Less

When a friend or a relative asks you for a personal loan, always seek time. There is no need to feel pres ...More

When a friend or a relative asks you for a personal loan, always seek time. There is no need to feel pressurised to respond immediately. Sometimes, just saying that you will think about it is enough for the other to back off. They may feel hesitant to follow up, or seek others. ...Less

State Bank of India achieved a record profit exceeding ₹80,000 crore. Despite investor concerns over net ...More

State Bank of India achieved a record profit exceeding ₹80,000 crore. Despite investor concerns over net interest income and margin, Chairman CS Setty assured that the worst is over, with Net Interest Margins expected to stabilize around 3%. The bank also reported strong deposit growth and anticipates robust loan expansion across all segments, while closely monitoring global risks. ...Less

Buying a home in Indian metros is an emotional decision, but financial realities are shifting. Renting an ...More

Buying a home in Indian metros is an emotional decision, but financial realities are shifting. Renting and investing the difference between rent and EMI can build substantial wealth over two decades. Equities offer higher long-term returns than property appreciation. The choice hinges on prioritizing financial optimization or personal stability. ...Less

There are two ways to deal with the kind of uncertainty the US-Iran war has brought to the stock market. ...More

There are two ways to deal with the kind of uncertainty the US-Iran war has brought to the stock market. First, you could just sit it out and let the situation clear up. This not only means that you stop buying, but also selling. The reason why we are talking about selling is because even the most rational minds get jittery when they see their portfolio value coming down every day and sense that “fear” is the overwhelming emotion on the street. And this fear might persist on the street for some time. There is, of course, another option. ...Less

State Bank of India shares dropped 7% after the bank reported margin pressure and weaker operating perfor ...More

State Bank of India shares dropped 7% after the bank reported margin pressure and weaker operating performance in its March quarter earnings. Net interest margins contracted year-on-year and sequentially, while net interest income declined quarter-on-quarter. Operating profit also saw a fall compared to previous periods. ...Less

Your salary is just the start for loan approval. Lenders scrutinize your income after deducting all curre ...More

Your salary is just the start for loan approval. Lenders scrutinize your income after deducting all current EMIs. This remaining amount, measured by the Fixed Obligation to Income Ratio, dictates your borrowing capacity. Keeping this ratio below 50% is key. Existing EMIs significantly reduce how much more you can borrow. Even small EMI reductions can boost your loan eligibility. ...Less

Some valuation ratios are used because they are easy. The PE ratio is one of them. It is simple, familiar ...More

Some valuation ratios are used because they are easy. The PE ratio is one of them. It is simple, familiar, and convenient. Not only for the buyer but also for the market participant who is selling that narrative. But markets are rarely simple. A PE ratio tells an investor what the market is paying for a company’s earnings. It does not tell you whether those earnings are growing fast enough, whether growth is durable, or whether the current earnings are close to a cyclical peak. That is why, in many cases, PE is only the first question. It is not the answer. ...Less

SBI declared a dividend of Rs 17.35 per share for FY26, with a record date of May 16 and payment on June ...More

SBI declared a dividend of Rs 17.35 per share for FY26, with a record date of May 16 and payment on June 4. Q4 profit rose 6% YoY to Rs 19,684 crore, supported by lower provisions. FY26 profit increased 12.88% to Rs 80,032 crore, while margins softened and asset quality improved significantly across the portfolio. ...Less

SBI Q4 Results: State Bank of India reported a 6% year-on-year rise in standalone net profit to Rs 19,684 ...More

SBI Q4 Results: State Bank of India reported a 6% year-on-year rise in standalone net profit to Rs 19,684 crore for the fourth quarter, exceeding analyst expectations. The bank also declared a dividend of Rs 17.35 per share. Despite a decline in operating profit, asset quality improved with a lower Gross NPA ratio. ...Less

In the coming quarters, two things will impact earnings: High crude oil prices and a weak rupee. A rising ...More

In the coming quarters, two things will impact earnings: High crude oil prices and a weak rupee. A rising dollar puts pressure on the margins of all companies that import raw materials. When margins come under pressure, they lose the ability to think about, or plan for, expansions. That will show up as an impact later. However, it is not the first time (nor will it be the last) that this is happening. 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 32-year-old tech professional earning over ₹40 lakh annually struggles with low monthly savings. His su ...More

A 32-year-old tech professional earning over ₹40 lakh annually struggles with low monthly savings. His substantial home loan installment of ₹1.12 lakh consumes over half his salary. Car loan and living expenses further reduce his disposable income. This situation highlights how large assets financed by loans can lead to cash flow constraints. ...Less

As the stock market witnesses a recovery, what one should watch for is market breadth. Also, check which ...More

As the stock market witnesses a recovery, what one should watch for is market breadth. Also, check which sectors are leading the rally. Why? Because, at this point of time, there are sectors and stocks which may do well just because they are witnessing a short-covering bounce. So, make a distinction between buying being witnessed in a sector at a lower level, and short covering. And remember: Short covering-led upmoves don't sustain. ...Less

The news flow is mixed in the case of banking stocks. The numbers so far this quarter suggest that all is ...More

The news flow is mixed in the case of banking stocks. The numbers so far this quarter suggest that all is well with the sector and banks are mostly in good shape. Remember, however, there is a war going on in the background that is pushing up crude oil prices. If the situation persists, risks will emerge where bank stocks are concerned. But then investors need to learn to deal with long- or short-term risks. 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

US interest rates are still high and causing problems for home buyers. Donald Trump criticized Fed Chair ...More

US interest rates are still high and causing problems for home buyers. Donald Trump criticized Fed Chair Jerome Powell over this issue. Mortgage rates are above 6.5% and changing often. Inflation, global conflict, and economic slowdown are key reasons. Even without a Federal Reserve meeting, rates can move. People planning to buy homes are waiting and watching closely. ...Less

Ghaziabad high registry charges but no facilities: A viral video from Ghaziabad highlights the stark real ...More

Ghaziabad high registry charges but no facilities: A viral video from Ghaziabad highlights the stark reality of luxury housing, questioning if ₹2-4 crore apartments offer a life worth the price. Residents face damaged roads, poor air quality, and critical fire safety gaps, with firefighting equipment unable to reach upper floors of tall buildings. ...Less

Mortgage rate forecast: 30-year mortgage rates have climbed to 6.30%, signaling fresh pressure on the 202 ...More

Mortgage rate forecast: 30-year mortgage rates have climbed to 6.30%, signaling fresh pressure on the 2026 housing market. Rising Treasury yields, sticky inflation, and delayed Fed rate cuts are driving borrowing costs higher. Homebuyers now face tighter affordability. Experts expect mortgage rates to stay near 6%–6.5% this year. ...Less

Bengaluru property owners can now avail a 5% rebate on property tax by paying in full by May 31, 2026, as ...More

Bengaluru property owners can now avail a 5% rebate on property tax by paying in full by May 31, 2026, as the deadline has been extended. Additionally, the Greater Bengaluru Authority has enabled online e-Khata downloads using SAS Property Tax ID, simplifying the process for citizens. ...Less

Fino Payments Bank is moving forward with its plan to become a small finance bank. The bank will focus on ...More

Fino Payments Bank is moving forward with its plan to become a small finance bank. The bank will focus on technology and secured lending, avoiding a traditional branch model. This transition is on track despite ongoing leadership reviews. Fino aims to offer home loans, gold loans, and business loans. ...Less

We are living in times when the morning may see conciliatory exchanges between the US and Iran, leading t ...More

We are living in times when the morning may see conciliatory exchanges between the US and Iran, leading to a cooling in crude oil prices. But by afternoon, the tone changes and we see crude prices moving higher again. In such circumstances, it is probably better to think unconventionally. How does one do that at this point of time? ...Less

A chartered accountant's advice challenges the common instinct to immediately prepay home loans with bonu ...More

A chartered accountant's advice challenges the common instinct to immediately prepay home loans with bonuses. Instead, building an emergency fund and securing term insurance are prioritized before aggressive debt repayment. This approach ensures financial security and protection for dependents, emphasizing that timing and foundational financial steps are crucial for long-term well-being and wealth creation. ...Less

Crypto-backed mortgage explained: Home financing is evolving as a new mortgage model allows buyers to use ...More

Crypto-backed mortgage explained: Home financing is evolving as a new mortgage model allows buyers to use Bitcoin or USDC as collateral for down payments, partnering with Coinbase. While avoiding immediate crypto sales and potential tax deferrals, this approach leads to significantly higher monthly payments compared to traditional mortgages, impacting affordability for many. ...Less

Bajaj Housing Finance announced a 14 percent profit increase for the January-March quarter. The company's ...More

Bajaj Housing Finance announced a 14 percent profit increase for the January-March quarter. The company's asset quality remained strong. Loan assets and disbursements saw significant growth. Brokerages highlighted positive management commentary and a strong growth outlook. Competition from banks in the home loan segment is anticipated. The stock has shown recovery after a recent dip. ...Less

There was a decline in banking stocks during Tuesday’s trading session. The drop came as a reaction to th ...More

There was a decline in banking stocks during Tuesday’s trading session. The drop came as a reaction to the RBI tightening its bad loan norms. The market’s reaction was not really a surprise. The new rules will have an impact on bank margins in the short term. In the longer term, however, remember that banking as a business will grow in the way it should only if there are good and tough regulations in place. That’s something to keep in mind as an investor. ...Less

The Reserve Bank of India's new Expected Credit Loss framework presents a recurring drag on bank profitab ...More

The Reserve Bank of India's new Expected Credit Loss framework presents a recurring drag on bank profitability, not a one-time capital hit. Public Sector Undertaking (PSU) banks are more exposed due to unchanged provisioning floor rates, potentially impacting their return on assets. While some private banks have buffers, others face a sharper impact. ...Less

Why did SoFi Technologies (NASDAQ:SOFI) stock crash 9%? The sharp fall in SoFi Technologies stock shocked ...More

Why did SoFi Technologies (NASDAQ:SOFI) stock crash 9%? The sharp fall in SoFi Technologies stock shocked investors. SoFi Technologies (NASDAQ:SOFI) stock crashed 9% even after posting a strong $1.1 billion revenue beat in Q1 2026. Growth looked powerful on the surface. Revenue jumped 43%. Net income surged 134%. Members reached 14.7 million. Yet markets focused elsewhere. The real trigger was weak forward guidance. Full-year revenue outlook missed expectations. Q2 growth hinted at slowdown near 30%. ...Less