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The Senior Citizens Savings Scheme (SCSS) offers a stable 8.2% annual interest rate, ideal for retirees s ...More

The Senior Citizens Savings Scheme (SCSS) offers a stable 8.2% annual interest rate, ideal for retirees seeking predictable income. To earn Rs 20,000 monthly, an investment of approximately Rs 29.30 lakh is required, well within the Rs 30 lakh maximum limit. Interest is paid quarterly, and investments qualify for Section 80C tax benefits under the old tax regime. ...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

Retiring with Rs 1.5 cr can provide a monthly income, but the amount depends on risk appetite and investm ...More

Retiring with Rs 1.5 cr can provide a monthly income, but the amount depends on risk appetite and investment returns. Experts suggest withdrawal rates between 4.5% and 6.5% annually, with potential monthly incomes ranging from Rs 70,000 to Rs 1.2 lakh. A bucket strategy is recommended for managing immediate needs and long-term growth. ...Less

Despite the RBI keeping the repo rate unchanged, several factors suggest banks may increase fixed deposit ...More

Despite the RBI keeping the repo rate unchanged, several factors suggest banks may increase fixed deposit rates soon. Rising inflation, a high deposit-credit ratio, and attractive small savings schemes are pushing banks to offer better returns to attract investors after a period of low FD rates. ...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

Retiring soon and aiming for a Rs 1 lakh monthly income from your PF and gratuity corpus? Experts advise ...More

Retiring soon and aiming for a Rs 1 lakh monthly income from your PF and gratuity corpus? Experts advise against investing the entire corpus in income products due to inflation and longevity risks. A prudent bucket strategy is recommended for sustainable income and portfolio growth. ...Less

An investor planning early retirement at 50 with a Rs 12.5 crore corpus seeks expert advice on generating ...More

An investor planning early retirement at 50 with a Rs 12.5 crore corpus seeks expert advice on generating Rs 2 lakh monthly income. The expert outlines a goal-based framework, recommending a balanced 60% equity and 40% debt allocation for retirement and a more growth-oriented mix for long-term wealth creation ...Less

The Senior Citizens Savings Scheme (SCSS) offers a high 8.2% interest rate for the April-June 2026 quarte ...More

The Senior Citizens Savings Scheme (SCSS) offers a high 8.2% interest rate for the April-June 2026 quarter, with a five-year tenure extendable by three years. Deposits up to Rs 30 lakh are permitted, and while interest is taxable, a deduction of up to Rs 50,000 is available under Section 80TTB. ...Less

Planning your retirement corpus is crucial. A Rs 2 crore fund may not last 20 years with high withdrawals ...More

Planning your retirement corpus is crucial. A Rs 2 crore fund may not last 20 years with high withdrawals. Experts suggest a bucket strategy for sustainable income. This involves allocating funds for immediate needs, stable income, and growth. Careful planning and realistic withdrawals are key to ensuring your retirement fund lasts. ...Less

Retirees with large EPF corpus need to balance safety with growth. Financial planners advise focusing on ...More

Retirees with large EPF corpus need to balance safety with growth. Financial planners advise focusing on stable, tax-efficient income generation and long-term growth for surplus funds. Expert Shivam Pathak suggests a mix of government-backed schemes, G-Secs, and diversified mutual funds to meet these objectives. ...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

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

If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and d ...More

If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 102nd part of this series, Riju Mehta details the features of such schemes. ...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 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

Senior Citizen Savings Scheme interest rate : SCSS is a government-backed small savings scheme specifical ...More

Senior Citizen Savings Scheme interest rate : SCSS is a government-backed small savings scheme specifically designed for small-scale investors seeking a fixed income option in their old age. ...Less

National Savings Certificate interest rate: The National Savings Certificate offers an attractive interes ...More

National Savings Certificate interest rate: The National Savings Certificate offers an attractive interest rate for the April-June 2026 quarter. This government-backed scheme provides a fixed income option for small investors. ...Less

The Department of Posts came out with an detailed notification about senior citizen savings scheme (SCSS) ...More

The Department of Posts came out with an detailed notification about senior citizen savings scheme (SCSS) and Public Provident Fund (PPF) few weeks back. On November 29, 2023 the Department of Posts issued a clarification as to who the new SCSS and PPF rules would apply. Read below to find out. ...Less

How to open Senior Citizens’ Savings Scheme account ...More

How to open Senior Citizens’ Savings Scheme account ...Less

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The top bureaucrat in the finance ministry said the decision to revise the ceilings will come at a cost a ...More

The top bureaucrat in the finance ministry said the decision to revise the ceilings will come at a cost as the government can raise funds at a cheaper rate compared to the 8 per cent interest that it gives under the Senior Citizen Savings Scheme. "Taking into account the welfare of senior citizens, for whom fixed income instruments are the main source of income... it was decided that this is a cost which the government should bear and therefore the ceilings were increased," he said. ...Less

Senior Citizen Savings Scheme (SCSS): Know all about TDS applicability ...More

Senior Citizen Savings Scheme (SCSS): Know all about TDS applicability ...Less

The Senior Citizens' Savings Scheme (SCSS), a government initiative that offers quarterly interest paymen ...More

The Senior Citizens' Savings Scheme (SCSS), a government initiative that offers quarterly interest payments, allows seniors to save money. ...Less

The interest rate on SCSS was revised from 7.4% to 7.6% which is at present the highest interest rate off ...More

The interest rate on SCSS was revised from 7.4% to 7.6% which is at present the highest interest rate offered by a small savings scheme. Many smaller private sector banks and small finance banks are now offering FD interest rates high as 9%. Rise in FD interest rate is expected to continue in next few months. Will SCSS remain competitive to FDs or should you prefer FDs now. ...Less

Senior citizens seeking stable returns and capital safety find fixed deposits a preferred investment. For ...More

Senior citizens seeking stable returns and capital safety find fixed deposits a preferred investment. For a 3-year tenure, small finance banks like Jana and Utkarsh offer the highest rates at 8%. Private sector banks Bandhan and YES Bank provide 7.75%, while public sector banks like Bank of India lead with 7%. ...Less

Senior Citizen Savings Scheme is a government-backed scheme. The current interest rate applicable to SCSS ...More

Senior Citizen Savings Scheme is a government-backed scheme. The current interest rate applicable to SCSS is 7.4%. Tax benefits under Section 80C are available but interest is fully taxable. ...Less

A senior citizen can invest up to Rs 15 lakh in an SCSS account. This account can be held jointly with on ...More

A senior citizen can invest up to Rs 15 lakh in an SCSS account. This account can be held jointly with one’s spouse. ...Less

We are in times when a statement by US President Trump can cause crude oil prices to drop sharply and ano ...More

We are in times when a statement by US President Trump can cause crude oil prices to drop sharply and another by Iran can push them back up. So, expecting rational behaviour in the equity markets is probably expecting too much. At this point of time, it is all about relative performance. So, can banking stocks outperform in a long phase of correction? 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

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Latest PPF, Senior Citizen Savings Scheme, POTD, other small savings schemes interest rates ...More

Latest PPF, Senior Citizen Savings Scheme, POTD, other small savings schemes interest rates ...Less

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You can open a Senior Citizens' Savings Scheme (SCSS) account alone or with your spouse at any bank or po ...More

You can open a Senior Citizens' Savings Scheme (SCSS) account alone or with your spouse at any bank or post office. SCSS has a 7.4 percent interest rate for the quarter ending March 31, 2022. ...Less

For senior citizen investors, safety and returns play an important role while choosing an investment vehi ...More

For senior citizen investors, safety and returns play an important role while choosing an investment vehicle. The Senior Citizens’ Savings Scheme (SCSS) can be availed from a post office or a bank by anyone above 60, i.e., a senior citizen. ...Less

"The maximum deposit limit for Senior Citizen Savings Scheme will be enhanced from Rs 15 lakh to Rs 30 la ...More

"The maximum deposit limit for Senior Citizen Savings Scheme will be enhanced from Rs 15 lakh to Rs 30 lakh," the minister said in her 87-minute long speech. ...Less

PPF, Senior Citizen Savings Scheme, and Sukanya Samriddhi Account: Interest rates of small savings scheme ...More

PPF, Senior Citizen Savings Scheme, and Sukanya Samriddhi Account: Interest rates of small savings schemes are due for revision at the end of this month. The interest rates of small savings schemes are linked to yields of 10-year Government Securities in the secondary market. There are set formulae for mark-ups over the previous three months’ average yield of relevant G-Secs of comparable maturity. Let's see if you are in for a New Year bonanza from the Central Government this time. ...Less

Backed by the government, the scheme offers capital protection, along with quarterly interest payment as ...More

Backed by the government, the scheme offers capital protection, along with quarterly interest payment as a source of income. Senior citizens can claim deduction under Sectio 80TTB on the interest earned from SCSS. ...Less

The Government on Wednesday clarified that the Senior Citizens Savings Scheme, that gives 9 per cent inte ...More

The Government on Wednesday clarified that the Senior Citizens Savings Scheme, that gives 9 per cent interest rates on investment up to Rs 15 lakh, is taxable and that tax would be deducted at source for those elderly people who come under the tax net. ...Less

Senior Citizen Savings Scheme (SCSS) Investment Limit: For the quarter ending March 31, 2023, the governm ...More

Senior Citizen Savings Scheme (SCSS) Investment Limit: For the quarter ending March 31, 2023, the government has raised the interest rate for the Senior Citizen Savings Scheme (SCSS) to 8%. ...Less

A government scheme, the SCSS helps senior citizens accumulate funds in or for their retirement and earn ...More

A government scheme, the SCSS helps senior citizens accumulate funds in or for their retirement and earn quarterly interest payouts from the deposit. This account can be opened at any bank or post office, singly or jointly with your spouse. ...Less

An SCSS account can be opened at an authorised bank. It's a good idea to check with your bank whether it ...More

An SCSS account can be opened at an authorised bank. It's a good idea to check with your bank whether it offers this facility. An SCSS account can be opened at a post office too. ...Less

The RBI should also now mandate that the liability of the banks "also move in tandem" with lending rates. ...More

The RBI should also now mandate that the liability of the banks "also move in tandem" with lending rates. ...Less

Budget 2023 proposed a hike in investment limit in Senior Citizen Savings Scheme (SCSS. A hike of Rs 15 l ...More

Budget 2023 proposed a hike in investment limit in Senior Citizen Savings Scheme (SCSS. A hike of Rs 15 lakh was proposed in the SCSS. As per the proposal, the maximum investment limit in SCSS has been doubled from Rs 15 lakh to Rs 30 lakh. Now the government has issued a notification for the same. ...Less

SCSS offers tax benefits under Sec 80C and allows premature withdrawals. However, there are a few problem ...More

SCSS offers tax benefits under Sec 80C and allows premature withdrawals. However, there are a few problems that need to be fixed. ...Less

Here are seven popular investment options that senior citizens can consider for a regular income. ...More

Here are seven popular investment options that senior citizens can consider for a regular income. ...Less

The Ministry of Finance has announced the General Provident Fund (GPF) interest rate for the April-June 2 ...More

The Ministry of Finance has announced the General Provident Fund (GPF) interest rate for the April-June 2026 quarter will remain at 7.1%. This rate applies to GPF, CPF, and other similar government funds. The Public Provident Fund (PPF) and other small savings schemes also retain their interest rates. ...Less

The government-backed Senior Citizen Savings Scheme (SCSS) is available for those over the age of 60, or ...More

The government-backed Senior Citizen Savings Scheme (SCSS) is available for those over the age of 60, or 55. The government fixes the interest rate on SCSS every quarter. ...Less

Latest small savings schemes interest rates: The savings schemes offered by post offices consist of the P ...More

Latest small savings schemes interest rates: The savings schemes offered by post offices consist of the Public Provident Fund, Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Post Office Time Deposits (POTD), Mahila Samman Savings Certificate, and Post Office Monthly Income Scheme (POMIS). ...Less

Do you have to pay penalty for premature withdrawal from Senior Citizen Savings Scheme? ...More

Do you have to pay penalty for premature withdrawal from Senior Citizen Savings Scheme? ...Less

Earn interest rate of 8.2%: 8 key features of Senior Citizen Savings Scheme ...More

Earn interest rate of 8.2%: 8 key features of Senior Citizen Savings Scheme ...Less

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query ...More

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away. ...Less

If the Aadhaar number is not provided by this date, your small savings investments will be frozen until t ...More

If the Aadhaar number is not provided by this date, your small savings investments will be frozen until the Aadhaar number is submitted. ...Less

The government, however, may leave the interest rates on Senior Citizen's Savings Scheme and Sukanya Samr ...More

The government, however, may leave the interest rates on Senior Citizen's Savings Scheme and Sukanya Samriddhi Accounts unchanged. ...Less

Dilip Lakhani, Senior Chartered Accountant, answers queries from our readers on income tax and other levi ...More

Dilip Lakhani, Senior Chartered Accountant, answers queries from our readers on income tax and other levies. ...Less

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query ...More

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away. ...Less

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Here's a list of some of the most useful facilities and benefits available to senior citizens in India to ...More

Here's a list of some of the most useful facilities and benefits available to senior citizens in India to ease their financial burden. ...Less

Reserve Bank today notified 0.1 per cent reduction each in interest rates on Public Provident Fund (PPF) ...More

Reserve Bank today notified 0.1 per cent reduction each in interest rates on Public Provident Fund (PPF) and Senior Citizen Savings Scheme. ...Less

The Government of India has amended Section 194A of the Income Tax Act, 1961, and as a result, the total ...More

The Government of India has amended Section 194A of the Income Tax Act, 1961, and as a result, the total interest income payable in a Financial Year for all SCSS account holders under the age of 60 has been revised from Rs. 10,000 to Rs. 40,000 for the purpose of TDS deduction. ...Less

Individuals over 60 can open an SCSS account. Further, a person who is 55 years old and has taken volunta ...More

Individuals over 60 can open an SCSS account. Further, a person who is 55 years old and has taken voluntary retirement can invest in such an account. ...Less

Depositors are allowed to open multiple accounts under this plan, with a cumulative maximum limit of Rs. ...More

Depositors are allowed to open multiple accounts under this plan, with a cumulative maximum limit of Rs. 30 lakhs for all accounts. The SCSS account was designed exclusively for seniors who want to save for the future. ...Less

But before you get down to choosing a tax saving investment you should probably first calculate how much ...More

But before you get down to choosing a tax saving investment you should probably first calculate how much you need to invest to save tax. ...Less

For retirees and senior citizens, not all investments should be tied up in long-term products. There must ...More

For retirees and senior citizens, not all investments should be tied up in long-term products. There must be some investments that are liquid to deal with financial emergencies. ...Less

The sale of real estate will entail capital gain tax. Do discuss available tax-saving avenues with a tax ...More

The sale of real estate will entail capital gain tax. Do discuss available tax-saving avenues with a tax consultant. ...Less

Equity is a volatile asset class and market corrections gives you the opportunity to buy quality equities ...More

Equity is a volatile asset class and market corrections gives you the opportunity to buy quality equities at a fair price. ...Less

The finance ministry is expected to notify the interest rates on small savings schemes for the July-Octob ...More

The finance ministry is expected to notify the interest rates on small savings schemes for the July-October quarter this week. ...Less

Senior Citizen Savings Scheme: TDS is deducted when the interest on SCSS exceeds Rs 50,000 in a financial ...More

Senior Citizen Savings Scheme: TDS is deducted when the interest on SCSS exceeds Rs 50,000 in a financial year. This TDS is deducted from the interest and you can claim a credit for this TDS at the time of filing income tax return (ITR). However, there is a way to prevent TDS getting deducted. Read the story to know more. ...Less

Seniors can invest up to Rs 30 lakh in the post office's Senior Citizen Savings Scheme (SCSS) beginning A ...More

Seniors can invest up to Rs 30 lakh in the post office's Senior Citizen Savings Scheme (SCSS) beginning April 1, 2023, as proposed by Finance Minister Nirmala Sitharaman. ...Less

Senior Citizen's Savings Scheme rule change: The government released a notification implementing numerous ...More

Senior Citizen's Savings Scheme rule change: The government released a notification implementing numerous significant changes to the popular Senior Citizen's Savings Scheme (SCSS). ...Less

The Senior Citizen Saving Scheme (SCSS) is an investment scheme developed and maintained by the Indian go ...More

The Senior Citizen Saving Scheme (SCSS) is an investment scheme developed and maintained by the Indian government to help senior citizens live financially secure lives after retirement. The interest rate on this savings scheme is set and revised by the government every quarter. ...Less

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query ...More

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away. ...Less

Latest small savings schemes interest rates: Here is a look at the interest rates on various small saving ...More

Latest small savings schemes interest rates: Here is a look at the interest rates on various small savings schemes for the fourth quarter of FY 2023-24. ...Less

For the third quarter (October to December) of the current fiscal year, the government has increased the ...More

For the third quarter (October to December) of the current fiscal year, the government has increased the interest rates on a few small savings schemes. ...Less

This Mother’s Day, go beyond traditional gifts and take a meaningful step toward ensuring your mother’s f ...More

This Mother’s Day, go beyond traditional gifts and take a meaningful step toward ensuring your mother’s financial freedom. Start by helping her build a secure and diversified financial portfolio tailored to her needs whether it’s through steady income schemes like the Senior Citizens’ Savings Scheme or wealth-building options such as mutual funds with a portion of gold to hedge her risks. ...Less

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The best way to show your affection is to offer financial gifts or deploy strategies that can reduce thei ...More

The best way to show your affection is to offer financial gifts or deploy strategies that can reduce their fiscal burden, optimise returns and capital safety. ...Less

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by o ...More

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts. ...Less

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query ...More

Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away. ...Less

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Senior Citizen Savings scheme interest rate: Note that if an account is formed in violation of the SCSS R ...More

Senior Citizen Savings scheme interest rate: Note that if an account is formed in violation of the SCSS Rules, the account will be terminated immediately and the deposit will be returned to the depositor after deducting any interest received on the deposit. ...Less

Assured income, protection of capital and regular payouts is what makes it attractive. The Senior Citizen ...More

Assured income, protection of capital and regular payouts is what makes it attractive. The Senior Citizens' Saving Scheme (SCSS) also provides tax benefits under Section 80C and allows for early withdrawals. ...Less

Post office schemes interest rates for April-June quarter: The government revises small savings schemes i ...More

Post office schemes interest rates for April-June quarter: The government revises small savings schemes interest rates every quarter. Here is a look at the interest rates on various post office schemes for the first quarter of FY 2024-25 along with its compounding frequency. ...Less

On November 7, 2023, the government released a notification that made numerous significant modifications ...More

On November 7, 2023, the government released a notification that made numerous significant modifications to the popular SCSS, PPF, and 5-year post office time deposit. Here is a look at the changes made to these small savings schemes. ...Less

The investment minimum is Rs 1,000 and the investment maximum is Rs 30 lakh. If you are interested in inv ...More

The investment minimum is Rs 1,000 and the investment maximum is Rs 30 lakh. If you are interested in investing in SCSS, then here is a look at important features of the scheme. ...Less

If you're a senior citizen looking to make an investment here is a comparison of the interest rates offer ...More

If you're a senior citizen looking to make an investment here is a comparison of the interest rates offered by SCSS and major banks like SBI, HDFC Bank, ICICI Bank, PNB, Axis, and Yes Bank for FDs with a 5-year term. ...Less

The SCSS's interest rate is determined by government policy, and it provides account holders with a consi ...More

The SCSS's interest rate is determined by government policy, and it provides account holders with a consistent income during their retirement. ...Less

The minimum age limit for investing in SCSS for retired defence personnel (excluding civilian defence emp ...More

The minimum age limit for investing in SCSS for retired defence personnel (excluding civilian defence employees) has now been fixed at 50 years. ...Less

Investors shouldn't blindly invest in small savings schemes. Each instrument has specific features. Here ...More

Investors shouldn't blindly invest in small savings schemes. Each instrument has specific features. Here are pros & cons of some of the most popular schemes. ...Less

Many banks have cut deposit rates within a month into demonetisation and experts believe that they are in ...More

Many banks have cut deposit rates within a month into demonetisation and experts believe that they are in for another round of cut in the Q1 of FY18. ...Less

Best investment options: FD interest rates have been on the rise, but there are other fixed income invest ...More

Best investment options: FD interest rates have been on the rise, but there are other fixed income investments that are offering better returns. ...Less

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Though deferred insurance payout plans are tax-free, investors should consider several other factors befo ...More

Though deferred insurance payout plans are tax-free, investors should consider several other factors before investing in them. ...Less

Latest Small Savings Schemes interest rate: The government has issued a circular today announcing interes ...More

Latest Small Savings Schemes interest rate: The government has issued a circular today announcing interest rates for various small savings schemes such as PPF, NSC, Post Office Time Deposits, etc. The interest rate announced will be applicable for April and June 2025, i.e., for the first quarter of the new FY 2025-26. ...Less

RBI today directed the banks to provide the higher interest rates on PPF and SCSS from April 1 as announc ...More

RBI today directed the banks to provide the higher interest rates on PPF and SCSS from April 1 as announced by the government. ...Less

As far as fundamentals are concerned, most banks have continued to show improvement on critical parameter ...More

As far as fundamentals are concerned, most banks have continued to show improvement on critical parameters like NPAs. But if inflation rises and impacts credit growth (which has been an area of some concern), these stocks could take a hit. Now, why we are talking about inflation is obvious: Rising crude oil prices. That’s bad news for the Indian economy and the markets. 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 government has issued a notification to make changes in the Senior citizens Savings Scheme rules. The ...More

The government has issued a notification to make changes in the Senior citizens Savings Scheme rules. These rules apply on who can invest, how much time retirees have to invest their retirement benefits in the scheme, definition of retirement benefits, penalty on premature withdrawals on certain tenures and others. Read on to know the latest changes. ...Less

In view of increased interest rates, the government revised the interest rates of a few small savings sch ...More

In view of increased interest rates, the government revised the interest rates of a few small savings schemes, including the Senior Citizens Savings Scheme, for the June 2023 quarter. ...Less

SCSS vs. FD: Here, we have compared the interest rates offered by the Senior Citizens Savings Scheme (SCS ...More

SCSS vs. FD: Here, we have compared the interest rates offered by the Senior Citizens Savings Scheme (SCSS) and bank fixed deposit rates with 5-year tenure for senior citizens and other important features. ...Less

Retirement needs careful financial planning. Even small mistakes can diminish savings. A withdrawal plan ...More

Retirement needs careful financial planning. Even small mistakes can diminish savings. A withdrawal plan is crucial. Avoid locking funds in annuities. Equities should be part of the portfolio. Medical insurance is essential. Estate planning is important for seamless asset transition. Illiquid assets pose risks. Clear debts before retirement for financial stability. ...Less