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Can a One-Time Investment of ₹20 Lakhs Help You Build a ₹5 Crore Retirement Corpus?

Can a One-Time Investment of ₹20 Lakhs Help You Build a ₹5 Crore Retirement Corpus?

19 April 2025

Compounding is often called the eighth wonder of the world—and for good reason. It allows your investment returns to earn further returns over time, leading to exponential growth. When you invest a lump sum and leave it untouched for decades, the effect of compounding can be powerful, especially in growth-oriented instruments like equity mutual funds. …

National Savings Scheme (NSS) Withdrawals Now Tax-Free for Senior Citizens: What You Need to Know

National Savings Scheme (NSS) Withdrawals Now Tax-Free for Senior Citizens: What You Need to Know

19 April 2025

Good news for senior citizens! The government has officially exempted withdrawals from the National Savings Scheme (NSS) from tax deduction at source (TDS). This step ensures that seniors can access their savings without facing unexpected tax cuts. What Is NSS? The National Savings Scheme (NSS) is a government-supported savings plan aimed at encouraging long-term savings …

8th Pay Commission Calculator: Here’s What Govt Employees’ Salaries Could Look Like at 2.86 Fitment Factor

8th Pay Commission Calculator: Here’s What Govt Employees’ Salaries Could Look Like at 2.86 Fitment Factor

19 April 2025

With the announcement of the 8th Pay Commission, discussions have intensified around the fitment factor, an important component that will determine the revised salaries and pensions of central government employees and pensioners. According to various reports, the fitment factor could range between 1.92 and 2.86, as per news reports. This multiplier is key to calculating …

PPF or MF SIP: Which ₹1 Lakh Yearly Investment Will Create More Return in 15 Years?

PPF or MF SIP: Which ₹1 Lakh Yearly Investment Will Create More Return in 15 Years?

19 April 2025

If you’ve ever found yourself at the crossroads of choosing between a Mutual Fund SIP and a Public Provident Fund (PPF) to invest your hard-earned money, you’re not alone. It’s a common question for every retail investor who want to build wealth while keeping risk in check. In order to check, which is better, let’s …

Renting a House Over ₹50,000/Month? Here’s What You Need to Know

Renting a House Over ₹50,000/Month? Here’s What You Need to Know

18 April 2025

If you’re paying rent of over ₹50,000 per month, you’re not just a tenant anymore. Under Indian tax law, you also become a tax deductor. This rule applies whether you’re a salaried individual, a freelancer, or self-employed individual. This rule is appliable irrespective of whether you follow the old or new income tax regime. TDS on …

EPF Withdrawal: What You Need to Know About Taxes, Deductions, and Delays

EPF Withdrawal: What You Need to Know About Taxes, Deductions, and Delays

18 April 2025

For many salaried employees, the Employee Provident Fund (EPF) feels like a financial safety net. Managed by the Employees’ Provident Fund Organization (EPFO), it grows steadily through monthly contributions from both the employee and the employer. However, when some employees go to withdraw their EPF, they get less money than expected. Here’s why that happens …

ITR Filing FY 2024-25: Why Your Tax Refund Might Be Delayed or Reduced

ITR Filing FY 2024-25: Why Your Tax Refund Might Be Delayed or Reduced

17 April 2025

The Income Tax Return (ITR) filing for the financial year 2024-25 is expected to start soon, once the Income Tax Department releases the relevant forms and utilities on its e-filing portal. Many salaried individuals are eagerly awaiting this to claim timely refunds. Why Your Refund Might Be Withheld or Reduced This year, taxpayers might notice …

“8 vs 12 Years”: What’s the Smarter Choice for Your ₹15 Lakh Home Renovation Loan?

“8 vs 12 Years”: What’s the Smarter Choice for Your ₹15 Lakh Home Renovation Loan?

17 April 2025

When you take a home renovation loan, the choice of your tenure can substantially impact your finances in the long-run. In this article, we will explore the implications of taking a ₹15,00,000 loan for 8 years versus 12 years at an interest rate of 11%. Pros and Cons of Choosing the 8-Year Tenure In the 8-year …

SBI Revives ‘Amrit Vrishti’ FD Scheme with New Rates

SBI Revives ‘Amrit Vrishti’ FD Scheme with New Rates

17 April 2025

The State Bank of India (SBI) has revised its special FD scheme, ‘Amrit Vrishti’. The new changes will be effective from 15th April 2025. The scheme was initially launched in July 2024 and concluded on 31st March 2025 after multiple extensions. However, it is now back with a revised interest structure. The new scheme aims to promote deposit mobilisation …

Ayushman Vaya Vandana Yojana: Check Eligibility, How to Download and More

Ayushman Vaya Vandana Yojana: Check Eligibility, How to Download and More

17 April 2025

The Ayushman Vaya Vandana Yojana is an innovative initiative under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY). This program aims to provide free healthcare services to senior citizens aged 70 and above, addressing their specific medical needs with a focus on affordability and accessibility. What is Ayushman Vaya Vandana? Ayushman Vaya Vandana …

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