People often get emotional about closing their home loan early and start using a majority of their funds ...More

People often get emotional about closing their home loan early and start using a majority of their funds to aggressively pay off this obligation. ...Less

In today’s competitive lending environment, many homeowners are successfully reducing their mortgage rate ...More

In today’s competitive lending environment, many homeowners are successfully reducing their mortgage rates thanks to improved credit scores. Higher credit score signals a reliable repayment history, empowering borrowers to negotiate better terms with lenders. Financial experts stress the importance of maintaining a robust credit profile, particularly as interest rates climb. However, some borrowers may be unaware of their negotiating leverage, missing out on substantial savings. ...Less

Extending the tenure instead of raising EMIs will push up the interest outgo on your home loan. ...More

Extending the tenure instead of raising EMIs will push up the interest outgo on your home loan. ...Less

In response to a recent 25 bps hike, the State Bank of India has updated its home loan interest rates. Th ...More

In response to a recent 25 bps hike, the State Bank of India has updated its home loan interest rates. Those linked to the External Benchmark Linked Rate will need to revise their equated monthly installments. Borrowers can mitigate the impact through options like adjusting EMIs or extending the loan period. ...Less

US Home Loan rate: The recent string of mortgage rate increases snapped as the 10-year Treasury yield pul ...More

US Home Loan rate: The recent string of mortgage rate increases snapped as the 10-year Treasury yield pulled back from its highest level since 2002. ...Less

A Mumbai woman’s video showing an apparently deserted upscale residential society on a Monday night has s ...More

A Mumbai woman’s video showing an apparently deserted upscale residential society on a Monday night has sparked an online discussion about home loans and expensive housing. Instagram user Ruchi Dubey questioned whether homeowners working to repay large loans have enough time to enjoy their properties and amenities. Her advice to young people drew support from several social media users. ...Less

RBI repo rate: Borrowers with home loans linked to External Benchmark Linked Rates will see an increase i ...More

RBI repo rate: Borrowers with home loans linked to External Benchmark Linked Rates will see an increase in their EMIs. The Reserve Bank of India has raised the repo rate, impacting the cost of borrowing. This is the first repo rate change since December 2025 and will influence many floating rate loans. Home loan borrowers had previously benefited from reduced rates but now face higher payments. ...Less

In a recent move, the Reserve Bank of India has lifted the repo rate to 5.50% from 5.25%, impacting the l ...More

In a recent move, the Reserve Bank of India has lifted the repo rate to 5.50% from 5.25%, impacting the landscape of home loan interest rates. Public sector players such as Bank of Maharashtra and Central Bank of India are providing attractive rates near 7.00%. Meanwhile, the South Indian Bank stands out in the private sector with an enticing starting interest of 7.25%. ...Less

In response to the recent uptick in the repo rate, State Bank of India has elevated its External Benchmar ...More

In response to the recent uptick in the repo rate, State Bank of India has elevated its External Benchmark-linked Rates and the Repo Linked Lending Rate. As a result, borrowers can anticipate an increase in their equated monthly installment payments. However, the MCLR rates have only seen adjustments across various tenures, leaving overnight and one-month rates untouched. ...Less

The monetary policy committee (MPC) voted unanimously for the increase and adopted a stance of "calibrate ...More

The monetary policy committee (MPC) voted unanimously for the increase and adopted a stance of "calibrated tightening". RBI Governor Sanjay Malhotra said rate cuts were off the table for now, leaving a further increase or a pause as the choices at future meetings. The impact on existing borrowers will depend on the benchmark in their loan agreement. Banks must reset rates on loans linked to an external benchmark at least once every three months. ...Less

HDFC Bank announced the launch of its annual festival offer, with thousands of deals across various servi ...More

HDFC Bank announced the launch of its annual festival offer, with thousands of deals across various services to provide customers with affordable shopping offers. The intitiative would allow customers to save up to ₹70,000 on festive purchases made using HDFC Bank credit cards and EASYEMI on debit and credit cards. The offer covers Xpress Personal Loans, Xpress Car Loans, and other vehicle loans, home loans, and gold loans. ...Less

Realtors' industry bodies CREDAI and NAREDCO have expressed concerns about rising home loan costs. The Re ...More

Realtors' industry bodies CREDAI and NAREDCO have expressed concerns about rising home loan costs. The Reserve Bank of India raised the repo rate by 25 basis points, signaling potential further hikes. This increase could dampen housing sales during the upcoming festive season despite strong underlying demand. Experts believe that long-term buyer sentiment will support the market resilience. Overall, housing demand in major cities showed a slight annual increase recently. ...Less

The Reserve Bank of India increased its policy rate by 25 basis points to 5.50% on Wednesday. Borrowers m ...More

The Reserve Bank of India increased its policy rate by 25 basis points to 5.50% on Wednesday. Borrowers might face higher monthly installments or extended repayment periods based on loan agreements. The monetary policy committee unanimously adopted a stance of 'calibrated tightening' with future increases possible. External benchmark-linked loans make up 68.2% of outstanding floating-rate rupee loans as of June. ...Less

Husband and wife both of them put their name on house’s title deed, but wife’s father paid for it and eve ...More

Husband and wife both of them put their name on house’s title deed, but wife’s father paid for it and even he gave 5000 Saudi Rials to him but marriage broke; Kerala HC orders him to vacate the house ...Less

In a move aimed at easing financial burdens for home loan borrowers, HDFC Bank has announced a decrease i ...More

In a move aimed at easing financial burdens for home loan borrowers, HDFC Bank has announced a decrease in its MCLR rates, effective from October 7, 2026. The rates will now range between 7.80% and 8.55%, including a significant drop in the overnight MCLR from 7.90% to 7.80%, reflecting a 10 basis points reduction. ...Less

Punjab National Bank has launched its 2026 festive retail loan campaign, offering concessions across home ...More

Punjab National Bank has launched its 2026 festive retail loan campaign, offering concessions across home, car and other retail loans. Under the scheme, home loan borrowers will get a full waiver of upfront and processing fees along with a 5-basis-point rate concession, while car loans will also carry a full fee waiver. ...Less

The Reserve Bank of India increased the repo rate by 25 basis points during its monetary policy meeting. ...More

The Reserve Bank of India increased the repo rate by 25 basis points during its monetary policy meeting. This hike prompted banks like Punjab National Bank and Bank of Baroda to adjust their lending rates. ...Less

The RBI has raised the repo rate by 25 basis points to 5.50%, its first hike since February 2023, which c ...More

The RBI has raised the repo rate by 25 basis points to 5.50%, its first hike since February 2023, which could make floating-rate home, car and personal loans more expensive. Borrowers on repo-linked loans may face higher EMIs or longer tenures at their next reset, while fixed-rate loans will remain unaffected. ...Less

The Reserve Bank of India recently raised the repo rate by 25 basis points to curb inflation. This increa ...More

The Reserve Bank of India recently raised the repo rate by 25 basis points to curb inflation. This increase is expected to raise borrowing costs for banks, affecting interest rates on home loans. First-time and price-sensitive homebuyers in the affordable housing sector may feel the impact more significantly. Market experts anticipate that strong demand fundamentals will mitigate some negative effects. The overall housing market remains robust, especially in higher-priced segments. ...Less

The monsoon is one influence on rural financial health. It is not a complete predictor of what a lender w ...More

The monsoon is one influence on rural financial health. It is not a complete predictor of what a lender will earn. Whether good rain becomes money in the household’s hand depends on crop prices, irrigation, wages, government transfers, non-farm employment, and how much debt the household already has.Stock Reports Plus, powered by Refinitiv, is a comprehensive report that evaluates five key components of 4,000+ listed stocks – earnings, fundamentals, relative valuation, risk, and price momentum – to generate standardised scores. The simple average of the above-mentioned five component ratings is normally distributed to reach an average score. ...Less

HDFC Bank CEO Sashidhar Jagdishan, who will step down on October 26 after deciding against seeking a seco ...More

HDFC Bank CEO Sashidhar Jagdishan, who will step down on October 26 after deciding against seeking a second reappointment, expressed confidence in the lender’s resilience and growth prospects. He said the bank had overcome regulatory restrictions, the Covid-19 pandemic, a complex merger and monetary tightening, adding that governance issues had been settled. ...Less

Akhilesh Yadav has posed twelve significant questions to the Centre about the current state of the bankin ...More

Akhilesh Yadav has posed twelve significant questions to the Centre about the current state of the banking sector. His concerns highlight issues like bank privatisation, high fees, and the challenges faced by customers. He queries the closure of rural branches and the accessibility of loans for young borrowers and small traders. Yadav also addresses cyber fraud, loan interest rates, and the pressure on bank employees affecting customer service. ...Less

The Reserve Bank of India increased the repo rate by 25 basis points to 5.50 percent. Real estate compani ...More

The Reserve Bank of India increased the repo rate by 25 basis points to 5.50 percent. Real estate companies in West Bengal anticipate a slight rise in borrowing costs for home loans. Developers believe that genuine homebuyers will remain undeterred in the long term. Concerns about affordability for first-time buyers may arise during the festive season. Developers are introducing flexible payment plans to sustain demand despite these pressures. ...Less

Thanks to the US-Iran conflict, the economy has been dealing with higher oil prices for close to seven mo ...More

Thanks to the US-Iran conflict, the economy has been dealing with higher oil prices for close to seven months. And if inflation starts to creep up, its impact will be felt by many businesses, and banking would be no different. ...Less

The non-banking financial companies (NBFC) sector is set to enjoy robust earnings, thanks to strong credi ...More

The non-banking financial companies (NBFC) sector is set to enjoy robust earnings, thanks to strong credit demand and consistent asset quality. Nonetheless, the latter half of Financial Year 2026-27 could pose challenges with rising interest rates leading to higher funding costs. Analysts emphasize that successfully managing these costs will be key to sustaining growth, advising cautious investment in resilient NBFCs amid changing market dynamics. ...Less

Indian car buyers are increasingly taking out larger and longer loans to purchase higher-priced vehicles. ...More

Indian car buyers are increasingly taking out larger and longer loans to purchase higher-priced vehicles. This trend emerges as borrowing costs are projected to rise following the Reserve Bank of India's recent rate hike. Data shows that the average vehicle loan amount has risen significantly, while the repayment tenure has also increased. Interestingly, the demand for vehicles remains strong across both urban and semi-urban markets. ...Less

In its annual Festive Treats 2026 campaign, HDFC Bank is rolling out exciting financial product offers th ...More

In its annual Festive Treats 2026 campaign, HDFC Bank is rolling out exciting financial product offers that allow customers to save up to Rs 70,000 on their festive shopping. The promotion includes special advantages on Xpress Personal Loans, credit cards, and EASYEMI payments. ...Less

IIFL Finance is intending to raise ₹2,500-5,000 crore by selling a minority stake. The company's promoter ...More

IIFL Finance is intending to raise ₹2,500-5,000 crore by selling a minority stake. The company's promoters may subscribe to warrants to limit dilution. Fairfax Financial Holdings is likely to sell its stake due to regulatory norms. IIFL aims to enhance its capital position amid evolving market conditions. These measures are expected to create synergies for IIFL Capital as part of IDBI Bank. ...Less

From November 1, lenders will pay basic sharing fees split among banks, licensed account aggregators and ...More

From November 1, lenders will pay basic sharing fees split among banks, licensed account aggregators and Sahamati, the self-regulatory organisation and industry alliance for the network recognised by the Reserve Bank of India. Banks’ payments become linked to service performance from December 1. ...Less

Can Fin Homes shares rallied up to 5% after the housing finance company reported a 10% year-on-year rise ...More

Can Fin Homes shares rallied up to 5% after the housing finance company reported a 10% year-on-year rise in Q2 FY27 net profit to Rs 275 crore. Net interest income grew 7%, while the loan book expanded 10% to Rs 43,539 crore. ...Less

A story shared on X contrasts a high-earning executive's reported debts with a cleaner's decades-long app ...More

A story shared on X contrasts a high-earning executive's reported debts with a cleaner's decades-long approach to saving and investing. The account says rental income from two apartments, a debt-free home and investments helped the 63-year-old prepare for retirement, highlighting the difference between income, assets and net worth. The claims remain independently unverified. ...Less

US Bonds Market: The rise in yields has pushed 30-year mortgage rates to a nearly three-year high of 7.4 ...More

US Bonds Market: The rise in yields has pushed 30-year mortgage rates to a nearly three-year high of 7.4 per cent, keeping many homeowners locked into existing loans rather than refinancing as they often do when rates decline. ...Less

The next few weeks are critical, and one should not be in a hurry to make market-related decisions. Bette ...More

The next few weeks are critical, and one should not be in a hurry to make market-related decisions. Better to be cautious – to wait and watch. Let the picture become a little clearer before you act. ...Less

Rising US Treasury yields and mortgage rates have triggered increased mortgage-related hedging, adding se ...More

Rising US Treasury yields and mortgage rates have triggered increased mortgage-related hedging, adding selling pressure to the bond market. However, analysts expect the impact to remain limited compared with previous selloffs, as refinancing incentives decline and the mortgage market shrinks. Oil prices, inflation expectations, and Federal Reserve policy remain key drivers of yields. ...Less

CA Nitin Kaushik has warned that building wealth for children is only half the job, as parents must also ...More

CA Nitin Kaushik has warned that building wealth for children is only half the job, as parents must also prepare them to manage their inheritance. He highlighted how financial knowledge, from investments and liabilities to insurance and nominees, can help preserve family wealth. Kaushik also urged parents to organise essential documents and introduce children to saving, debt, banking and investing through age-appropriate conversations. ...Less

India is witnessing a notable increase in active companies, driven by the easing of regulations and lower ...More

India is witnessing a notable increase in active companies, driven by the easing of regulations and lower capital costs. The government's fiscal consolidation has led to a reduction in the general government fiscal deficit, which has encouraged entrepreneurship. Despite these positive changes, there are concerns regarding the impact on job creation and wage growth. Capital availability for smaller businesses has improved, facilitating their growth and expansion. ...Less

6-month emergency fund with Rs 50,000 salary: While calculating the amount, you should count everything t ...More

6-month emergency fund with Rs 50,000 salary: While calculating the amount, you should count everything that still needs to be paid even when salary stops. So, where should you put this money and how much should you invest every month to hit the target faster? Moreover, an individual who is single and has no dependents may not need the same amount of emergency fund as someone with a family. ...Less

National Housing Bank plans to double the refinance and affordable housing funds for large housing financ ...More

National Housing Bank plans to double the refinance and affordable housing funds for large housing finance companies. These funds will be available to companies seeking long-term and cheaper financing options. LIC Housing Finance, Bajaj Housing Finance, and others are likely to benefit from this increase. The funding is expected to help reduce reliance on banks while promoting growth in housing loans. ...Less

New proposals by IRDAI aim to reform loan-linked insurance offerings from banks and NBFCs, ensuring trans ...More

New proposals by IRDAI aim to reform loan-linked insurance offerings from banks and NBFCs, ensuring transparency for borrowers. Key changes may prevent mandatory insurance bundling, allowing for better consumer choices and potential interest rate benefits, while still enabling some insurance package offers. Discover how these reforms could impact your next loan decision. ...Less

A piece of advice for those who still have the stomach to invest in the current volatile market. Don’t ta ...More

A piece of advice for those who still have the stomach to invest in the current volatile market. Don’t take any price action as the gospel truth; look beyond the index movements. And, finally, be both cautious and selective in your stock picks. ...Less

Soon you will get to see your fixed deposit (FD) details in CAS statements. CAS stands for consolidated a ...More

Soon you will get to see your fixed deposit (FD) details in CAS statements. CAS stands for consolidated account statements and it is usually sent by NSDL, CDSL, Karvy or CAMS. This CAS statement at present shows your demat and non-demat holdings including mutual funds, bonds, listed shares. ...Less

Be clear-eyed about the short term, because we are not done with market pessimism. There may well be more ...More

Be clear-eyed about the short term, because we are not done with market pessimism. There may well be more to come, and that could give you better prices than today's. But the preparation has to be done now, not after the move. In the long term, the rule is a simple one: Know what you own, and know why you own it. ...Less

Virat Kohli and Anushka Sharma have denied allegations of any payment to visits Premanand Maharaj’s Vrind ...More

Virat Kohli and Anushka Sharma have denied allegations of any payment to visits Premanand Maharaj’s Vrindavan ashram amid the news of death of his disciple Rasik Dulari. The allegation that Rs 5 crore was spent to facilitate Kohli’s first visit has been rejected by the cricketer’s team, which said his visits were motivated by personal faith and reverence for the spiritual leader. ...Less

The Reserve Bank of India has introduced inter-operability among various Account Aggregators to simplify ...More

The Reserve Bank of India has introduced inter-operability among various Account Aggregators to simplify information sharing. Customers will be able to authorize financial data sharing with banks and lenders. This interconnected system eliminates the need for users to switch platforms for different Account Aggregators. The changes are aimed at enhancing convenience and seamless interactions in financial services. Customer consent remains essential for the sharing of financial information between platforms. ...Less

For the last two years, one sector where actual performance has been better than expected has been bankin ...More

For the last two years, one sector where actual performance has been better than expected has been banking. Yes, there were exceptions among small finance banks. But the question now is: Will the situation remain the same given that there are many emerging challenges? ...Less

For quite some time now, it has become increasingly hard to make sense of what is happening in the world. ...More

For quite some time now, it has become increasingly hard to make sense of what is happening in the world. The old understanding of what is sensible and nonsensical has vanished, and things once kept hidden in the darkest corners are now done openly by those in charge of the most powerful places on earth. So, for the next two-and-a half years, until this phase of global politics runs its course, we will continue to see the kind of surprises that no business can plan for. ...Less

Prosus has held exploratory talks to invest in Kiwi, which offers bank-issued RuPay credit cards and cred ...More

Prosus has held exploratory talks to invest in Kiwi, which offers bank-issued RuPay credit cards and credit lines for Unified Payments Interface (UPI) payments and is looking to raise around $40 million, the people said. ET reported last week that Kiwi was in the market for fresh funding. ...Less

At 40, Ankur Warikoo looked back on his journey to homeownership, realizing that by then, he had establis ...More

At 40, Ankur Warikoo looked back on his journey to homeownership, realizing that by then, he had established a clear vision for his family's permanent abode in Delhi. Financial security provided him the means to acquire a home that once felt out of reach. He understood his family's needs and lifestyle preferences, making the decision easier than it might have been in earlier decades, when uncertainties were more prevalent. ...Less

Why US Treasury yields are hitting 2002 highs? U.S. Treasury yields are rising again. The Federal Reserve ...More

Why US Treasury yields are hitting 2002 highs? U.S. Treasury yields are rising again. The Federal Reserve is one reason. It isn't the only one. The government is issuing more debt. Companies are also selling more bonds. Investors are demanding higher returns. Inflation remains a concern. That is pushing yields higher across the Treasury market. The 10-year yield is above 5.3%. The 30-year yield is near 5.7%. Both are at levels last seen in 2002. ...Less

RBI MPC October 2026: The Reserve Bank of India has increased the repo rate by 25 bps from 5.25% to 5.50% ...More

RBI MPC October 2026: The Reserve Bank of India has increased the repo rate by 25 bps from 5.25% to 5.50%, signaling a shift. Following this decision, banks are expected to raise fixed deposit interest rates in the near future. Retail inflation has been rising, indicating that further hikes may be necessary to control it. The competition from small savings schemes and government securities contributes to this pressure on banks. ...Less

A 27-year-old Reddit user questioned taking a Rs 45 lakh personal loan for a Rs 50 lakh wedding, despite ...More

A 27-year-old Reddit user questioned taking a Rs 45 lakh personal loan for a Rs 50 lakh wedding, despite his fiancée’s family offering a Rs 15 lakh alternative. Bengaluru CA Meenal Goel warned that the loan could mean roughly Rs 1 lakh EMI for 60 months, totalling Rs 60 lakh in repayments. She called it “five years of financial pressure” driven by social expectations. ...Less

Keep a close watch on updates from FMCG companies, the cement sector, from real estate companies, especia ...More

Keep a close watch on updates from FMCG companies, the cement sector, from real estate companies, especially about the commercial segment of those focused on South India. What they say will provide an idea of how things are panning out on the ground. ...Less

In the short term, be ready for volatility, and do not mistake the passing of one big event for an all-cl ...More

In the short term, be ready for volatility, and do not mistake the passing of one big event for an all-clear. In the long term, give up trying to guess when the storm will end. That is not something anyone can do. ...Less

In many marriages, each party can, if it so wills, discover many a cause for complaint, but such grievanc ...More

In many marriages, each party can, if it so wills, discover many a cause for complaint, but such grievances arise mostly from temperamental disharmony. Such disharmony or incompatibility is not cruelty and will not furnish a cause for the dissolution of marriage, the Jharkhand High Court said. But is a wife asking her husband to become a gharjamai cruelty or not? Read on to find out. ...Less

A Rs 1 lakh monthly salary does not automatically mean you can get a Rs 60 lakh home loan, CA Nitin Kaush ...More

A Rs 1 lakh monthly salary does not automatically mean you can get a Rs 60 lakh home loan, CA Nitin Kaushik explained. Banks assess factors including FOIR, existing EMIs, credit score, loan tenure, employment stability and property value. LTV limits can also cap the loan amount. For self-employed borrowers, reported income in ITRs over multiple years can influence eligibility. ...Less

Indian travelers have significantly changed in their approach to leisure activities and cultural expressi ...More

Indian travelers have significantly changed in their approach to leisure activities and cultural expressions abroad. The previous generations exhibited a more restrained manner of traveling and eating while interacting with local cultures. Recent travelers are observed to engage in spontaneous performances and communal meals regardless of the setting. ...Less

Many financial analysts expect the Reserve Bank of India to increase the repo rate by 25 basis points. Th ...More

Many financial analysts expect the Reserve Bank of India to increase the repo rate by 25 basis points. This forecast is driven by persistent inflation, soaring crude oil prices, and a depreciating rupee. Should the RBI implement this hike, it could lead to higher fixed deposit returns for investors. Meanwhile, public sector banks continue to offer lower rates, struggling against fierce competition from government securities and small savings schemes. ...Less

Cover the risks between your old payslip and the new one, says Devashish Chakravarty. Read the print on y ...More

Cover the risks between your old payslip and the new one, says Devashish Chakravarty. Read the print on your offer before you re sign. Routine conditions are fine, such as background verification, document checks and reference calls. Speed them up. Watch out for clauses that can delay or withdraw the offer, like a joining date “to be confirmed”, or a role tied to a client contract, or a probation that is extendable. ...Less

Mr Rajinder Singh booked a flat in Gurgaon and was promised possession within three years. After a decade ...More

Mr Rajinder Singh booked a flat in Gurgaon and was promised possession within three years. After a decade of waiting, he sought legal action against the builder for non-delivery. The State Consumer Disputes Redressal Commission ordered the builder to refund the amount paid along with interest. Additionally, compensation for mental distress and litigation costs was granted to Mr Singh. ...Less

The US economy showed mixed signals over the past week, with consumer confidence falling to its lowest le ...More

The US economy showed mixed signals over the past week, with consumer confidence falling to its lowest level since 2014 and mortgage rates reaching nearly a three-year high. Hiring weakened and job openings declined, while inflation eased slightly. Meanwhile, second-quarter GDP growth was revised higher and stocks remained near record levels. ...Less

Indian households are increasingly opting for secured loans, particularly against gold, which surged sign ...More

Indian households are increasingly opting for secured loans, particularly against gold, which surged significantly. Credit card dues and consumer durable loans have shown minimal growth, reflecting a shift in borrowing behavior. Personal loans continue to grow, contributing substantially to overall bank credit, which rose markedly. Loans against gold jewellery increased substantially in percentage terms, likely aided by a favorable base effect. ...Less

In times like these, the market will have its green and red days. What matters, however, is not the colou ...More

In times like these, the market will have its green and red days. What matters, however, is not the colour of a single day, but the things underneath it: The central bank, the fund flows, and, above all, corporate earnings. Watch those, stay patient, and forget the daily noise. ...Less

CA Nitin Kaushik explained how home loan tenure can dramatically affect total interest. On a Rs 40 lakh l ...More

CA Nitin Kaushik explained how home loan tenure can dramatically affect total interest. On a Rs 40 lakh loan at 9%, a 10-year tenure means an EMI of Rs 50,668 and Rs 20.8 lakh interest, while 30 years lowers the EMI to Rs 32,182 but raises interest to Rs 75.86 lakh. Longer tenure offers cash-flow flexibility, while early prepayment can reduce costs. ...Less

As inflation fears and mounting debt pressure rise, government borrowing costs have soared to unprecedent ...More

As inflation fears and mounting debt pressure rise, government borrowing costs have soared to unprecedented levels. The US Treasury yield, now the highest since 2002, signifies a shift in global market dynamics. These increasing bond yields adversely affect loans for families and businesses, posing challenges for governmental finances. Intervention by central banks could be on the horizon to maintain fiscal order, especially with future artificial intelligence-related bond issues looming. ...Less

Given the current market situation, no sector is immune from headwinds. The banking sector is no exceptio ...More

Given the current market situation, no sector is immune from headwinds. The banking sector is no exception. There are clear short-term headwinds, but the question an investor should ask is: Are these headwinds likely to hit the core business of banks and create some issue that may take a long time to settle? ...Less

In its latest downturn phase, the market has been falling for close to a month-and-a-half, with only the ...More

In its latest downturn phase, the market has been falling for close to a month-and-a-half, with only the occasional bounce. In a stretch like this, you may get a sharp upmove caused by short covering, where traders who had bet on a fall buy back to close their positions, pushing prices up for a while. Do not mistake such a bounce for an end to the current troubles. ...Less

Oil prices are still up, and so are bond yields, both in the US and in other major markets. And fresh tro ...More

Oil prices are still up, and so are bond yields, both in the US and in other major markets. And fresh troubles seem to crop up somewhere or the other in the world. That is the reality, and there is no use pretending otherwise. The fact remains that we are living in a world where there is a readjustment taking place. And that is always painful. ...Less

What is needed in the markets these days is realism. Not fear or gloom, but a clear-eyed acceptance of wh ...More

What is needed in the markets these days is realism. Not fear or gloom, but a clear-eyed acceptance of where things actually stand. Realism means not hoping for things facts do not support. It means accepting that the next few months may be difficult: That earnings may disappoint, that prices may fall further. It also means planning for such a scenario instead of just hoping that it will go away. ...Less

CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. ...More

CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. He recommends tracking actual take-home income, dividing expenses into four categories, using 50/30/20 as a flexible starting point and assigning every rupee a purpose. He also advises setting specific financial goals, reviewing investments monthly and calculating net worth regularly to ensure money is moving towards your priorities. ...Less

A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two chil ...More

A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two children’s education. With savings of Rs 1.68 cr from diverse investments, she plans to pay off her home loan by December 2026. Experts suggest she aim for a retirement fund between Rs 4-4.5 cr and adapt her investment strategy as her financial goals draw near. ...Less

Bengaluru CA Meenal Goel explained how small, consistent home loan prepayments could potentially reduce i ...More

Bengaluru CA Meenal Goel explained how small, consistent home loan prepayments could potentially reduce interest costs significantly. Her post sparked discussion, with users suggesting borrowers also consider the time value of money and the property’s potential value after 30 years. Another user agreed with her approach, saying they had advocated and followed similar practices for 16 years in the housing finance market, highlighting the importance of looking beyond headline interest savings. ...Less

Navigating first-time property acquisition demands rigorous due diligence to mitigate high-stakes real es ...More

Navigating first-time property acquisition demands rigorous due diligence to mitigate high-stakes real estate risks. Before finalizing a land purchase, buyers must evaluate critical zoning laws, non-buildable setback requirements, and legal encumbrances to ensure optimal land utilization. Highlighted by Bengaluru entrepreneur Nirupa Shankar, assessing front road access dimensions, high-voltage utility corridors, stormwater drainage buffers, ecological proximity limits, and historic right-of-way pathways serves as an essential preliminary checklist for prospective real estate investors. ...Less

Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simpl ...More

Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simplified framework. Prior to the simplification of norms, an EPF member was allowed to withdraw only the employee contribution and interest ranging from 50-100%. ...Less

A Gurgaon couple earning Rs 3 lakh a month decided against buying a Rs 2 crore home that would have requi ...More

A Gurgaon couple earning Rs 3 lakh a month decided against buying a Rs 2 crore home that would have required an EMI of around Rs 1.5 lakh. CA Nitin Kaushik highlighted the decision on X, pointing out that the EMI would consume half of their monthly income, leaving less room for everyday expenses, family responsibilities, investments and emergencies. ...Less

Moneyview, a digital lending platform, is planning a ₹750 crore IPO to fund loan growth. The company's re ...More

Moneyview, a digital lending platform, is planning a ₹750 crore IPO to fund loan growth. The company's registered users increased significantly, but asset quality has worsened with higher non-performing assets. Total income and loan disbursals have risen sharply, contributing to increased net profit. The company faces potential regulatory risks that may impact its unsecured loan growth. Investors are advised to evaluate financial clarity post-IPO before making decisions. ...Less

The average 30-year mortgage rate reached 7.12%, its highest since May 2024, marking a significant increa ...More

The average 30-year mortgage rate reached 7.12%, its highest since May 2024, marking a significant increase. This rise follows the recent Federal Reserve interest rate hike aimed at controlling inflation. As borrowing costs climb, refinancing and home purchase applications have decreased significantly. The surge in rates has resulted in more borrowers opting for adjustable-rate mortgages. Elevated oil prices and inflationary pressures are contributing factors to the current housing market conditions. ...Less

Securing lender approval for real estate projects significantly simplifies the home loan process. Each pr ...More

Securing lender approval for real estate projects significantly simplifies the home loan process. Each project is meticulously evaluated through legal and technical checks before funding is provided. This pre-approval minimizes the need for borrower verification, allowing for expedited loan processing. Bajaj Housing Finance offers a variety of pre-approved projects and swift disbursal options, ensuring buyers access considerable funds and extended repayment periods for their purchases. ...Less

If oil prices stay high and push up inflation, it is likely that banking stocks will come under pressure ...More

If oil prices stay high and push up inflation, it is likely that banking stocks will come under pressure because their business will be impacted. But even before the real business is impacted, it is likely that they will see selling pressure because of their FPI-heavy ownership structure. So, clouds of uncertainty hang over the sector’s stocks. But don't confuse the stocks with the business. ...Less

There are times when a watchlist is more important than a buy list. But if you still insist on putting mo ...More

There are times when a watchlist is more important than a buy list. But if you still insist on putting money in the market, look at fundamentally strong stocks. While doing so, however, be clear that the invested money might still shed some value in the near term, or at least underperform. Coming specifically to mid-cap stocks, even in the initial phase of a recovery, they may well have limited ability to see a sharp upmove. Why? ...Less

The next time you take some action in the stock market – whether it is buying or selling – ask yourself t ...More

The next time you take some action in the stock market – whether it is buying or selling – ask yourself these questions: Why am I doing this? Is it because the news flow is bad? Or, because the company is in trouble? Or is it because the stock price has come down? Answering these questions honestly will probably help you make better decisions. ...Less

Due to delay in getting delivery of the flat, homebuyer says he faced difficulties as he paid both home l ...More

Due to delay in getting delivery of the flat, homebuyer says he faced difficulties as he paid both home loan EMI and rent, TSRERA orders Rs 5.04 lakh compensation to homebuyer and also rejects debris charge imposition by builder. ...Less

Moneyview reduced its public offer to Rs 1,092 crore from Rs 1,500 crore. This decision stems from robust ...More

Moneyview reduced its public offer to Rs 1,092 crore from Rs 1,500 crore. This decision stems from robust profit growth and adequate internal cash generation. The company fixed its price band at Rs 32-34 per equity share for the IPO. The IPO comprises a fresh issue and an offer for sale by existing shareholders. Proceeds will fuel lending business growth and new product development. ...Less

US mortgage rates have climbed close to 7%, putting further pressure on an already sluggish housing marke ...More

US mortgage rates have climbed close to 7%, putting further pressure on an already sluggish housing market. The average 30-year fixed mortgage rate rose to 6.95%, its highest level since January 2025. Higher borrowing costs are squeezing affordability, delaying purchases and raising concerns about a further slowdown in home sales. ...Less

Gurgaon-based CEO Jasveer Singh believes buying a first home is about more than financial returns. Sharin ...More

Gurgaon-based CEO Jasveer Singh believes buying a first home is about more than financial returns. Sharing his views on X, he said home ownership can provide security, control, permanence, pride and a sense of belonging, especially for people who move from smaller towns to cities. He argued that these emotional benefits cannot be measured through SIP returns, rental yields or rent-versus-buy calculators, calling a home an anchor during uncertain times. ...Less

Manish Jain, Country Managing Director, Experian India, discusses the growing demand for gold loans, the ...More

Manish Jain, Country Managing Director, Experian India, discusses the growing demand for gold loans, the lower risk of over-leveraging with enhanced regulation, and the future relevance of credit scores, in a conversation with Riju Mehta. ...Less

"Despite the ongoing debate around the new GDP series, real GDP growth remained robust at 7.8% in the fir ...More

"Despite the ongoing debate around the new GDP series, real GDP growth remained robust at 7.8% in the first quarter, highlighting the economy’s ability to absorb external shocks." ...Less

The US economy remained in focus as inflation, borrowing costs and consumer spending has been shaping the ...More

The US economy remained in focus as inflation, borrowing costs and consumer spending has been shaping the outlook for households and businesses. The Federal Reserve raised its benchmark interest rate for the first time since 2023, taking it to about 3.9% and signalling another hike could follow. Mortgage rates also climbed, with the average 30-year fixed rate reaching 6.95%, its highest level in more than 19 months. ...Less

After crude oil prices, the one thing that provides a boost to the bears is the tariffs that US President ...More

After crude oil prices, the one thing that provides a boost to the bears is the tariffs that US President Trump keeps announcing. Now, there is no way of knowing what will happen in terms of the latest 100% tariff announced around Russian oil imports. Even the person who has signed off on the tariff perhaps does not quite know what he did and why he did it. The market can only hope that nothing truly disruptive to the global economy is actually implemented. ...Less

In today’s market situation, consider confusion and uncertainty as givens. The market's direction is genu ...More

In today’s market situation, consider confusion and uncertainty as givens. The market's direction is genuinely hard to call, and nothing is on sale. Neither of those is going to change just because you want it to. ...Less

Bengaluru entrepreneur Ritish Reddy said his daughter was stuck in traffic for two hours on Varthur Road ...More

Bengaluru entrepreneur Ritish Reddy said his daughter was stuck in traffic for two hours on Varthur Road on September 17. The Zluri CEO shared a video showing a lengthy traffic jam in the Varthur-Gunjur area and said children regularly face lengthy commutes on the stretch. Other parents and residents also raised concerns about road conditions, potholes, infrastructure work and traffic ...Less

Loans would get costlier if and when the RBI hikes interest rates. In floating-rate loans, EMIs would ris ...More

Loans would get costlier if and when the RBI hikes interest rates. In floating-rate loans, EMIs would rise even for existing loans. However, the RBI’s next rate-hike cycle would be shallow. High global bond yields or interest rates matter for the RBI, but they are not the decisive factor. ...Less

There is no rule that says the bad news gets priced in quickly. It is, sometimes, a process that takes ve ...More

There is no rule that says the bad news gets priced in quickly. It is, sometimes, a process that takes very long. The current phase is probably like that – a slow and long-drawn downturn. You know, of course, that it will pass, but you cannot say when. And it is the waiting that tests everyone's patience. ...Less

A Gurgaon couple earning Rs 3 lakh monthly decided against buying a Rs 2 crore flat after calculating the ...More

A Gurgaon couple earning Rs 3 lakh monthly decided against buying a Rs 2 crore flat after calculating the financial burden of a Rs 1.5 lakh EMI. CA Nitin Kaushik highlighted that the payment would consume half their income, leaving less for groceries, parents, travel, insurance, investments and emergencies. He argued that rising property prices do not always justify stretching finances to own a home. ...Less

The way things are panning out in the Gulf region, in Wall Street, and in the Bay Area in northern Califo ...More

The way things are panning out in the Gulf region, in Wall Street, and in the Bay Area in northern California, the chances of greater volatility in the global markets is high. Given that the Indian economy and oil prices have a strong correlation, it might be better to think twice before acting in the stock market. And remember this: Don't take any statement by anyone, whether the US president or the CEO of an AI company, as gospel truth. 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

State Bank of India is expanding its wealth management services to existing customers. The bank aims to m ...More

State Bank of India is expanding its wealth management services to existing customers. The bank aims to manage significant investments for affluent clients. SBI is also developing new growth engines like acquisition financing. These initiatives are projected to enhance shareholder value over time. Analysts suggest these new ventures will take time to impact profits. ...Less

Talk of tariffs, especially steep ones, makes the market nervous. Which is exactly why the next few tradi ...More

Talk of tariffs, especially steep ones, makes the market nervous. Which is exactly why the next few trading sessions are critical, and why being in a hurry to take any market-related decision is the one thing to avoid right now. It is better to be cautious, to wait and watch. And let the picture become a little clearer before you act. ...Less

India’s biggest private banks are finding it increasingly difficult to identify executives with the bread ...More

India’s biggest private banks are finding it increasingly difficult to identify executives with the breadth of experience needed to lead large, complex institutions. HDFC Bank and Kotak Mahindra Bank’s CEO searches have highlighted a surprisingly narrow talent pool, as regulatory requirements, limited succession pipelines and competing financial sectors constrain potential candidates. ...Less

Ankur Warikoo bought his home at 40 and believes delaying the purchase helped his family avoid compromisi ...More

Ankur Warikoo bought his home at 40 and believes delaying the purchase helped his family avoid compromising on size, location and proximity to parents. He argues that buying a house early can provide security but may also reduce professional mobility, increase financial pressure and make career breaks or risks harder. He urges people to consider whether homeownership affects their independence. ...Less

Bengaluru-based CA Meenal Goel challenges the belief that buying a house is always a smarter investment t ...More

Bengaluru-based CA Meenal Goel challenges the belief that buying a house is always a smarter investment than renting. She suggests considering whether you will live there for 15 to 20 years, keeping the EMI below 30% of household income and questioning the need for a second property. For investment, she says land may be worth considering when the numbers make sense. ...Less