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A Hindu Undivided Family (HUF) and the assets it may own are two separate concepts. An HUF comes into existence automatically when there are two or more coparceners (family members entitled to inherit), but it’s not necessary for the HUF to own any property or assets. In essence, joint family status under Hindu law arises […]

Reader Query:I want to build an education fund of ₹20 lakh over the next 12 years for my child’s higher studies. I’m considering child insurance plans since they offer tax benefits and premium waivers in case of unforeseen events. But my wife feels they are costly and suggests SIPs in mutual funds instead. What’s the

New Delhi [India], June 5 (ANI):India’s surging economy and robust stock market haven’t translated into personal financial success for many High Net-Worth Individuals (HNIs), a new survey finds. According to the India Wealth Survey 2025, jointly conducted by Marcellus Investment and Dun & Bradstreet, a surprising number of wealthy Indians are falling short in key

Whether you’re just beginning your investment journey or are a seasoned investor exploring diversification, picking the right instruments can often feel overwhelming. One such investment option that stands out for its safety and simplicity is gilt funds. Here’s a quick and easy explainer to help you understand gilt funds better: What Are Gilt Funds? Gilt

Starting your investment journey in your 40s may feel like you’re late to the game—but the truth is, it’s far from too late. With a thoughtful strategy, the right mindset, and professional guidance, you can still build substantial wealth and retire comfortably. Most people in their 40s are at the peak of their earning potential.

When a borrower passes away with a personal loan still outstanding, their family members are often left grappling with both emotional grief and financial uncertainty. One of the key concerns during such a time is understanding who is responsible for repaying the loan and what legal and financial steps need to be taken. This article

If you’re a non-resident investor living in Dubai and holding shares in an Indian company, recent changes to India’s Income Tax laws significantly impact how you’ll be taxed on share buybacks from October 1, 2024, onwards. Here’s how the updated framework applies to you: You purchased 5,000 shares in an Indian company three years ago

As we move through 2025, personal loans are becoming more accessible, efficient, and personalized, thanks to technological advancements and evolving borrower expectations. With digital lending platforms simplifying application processes and enhanced security measures ensuring safer transactions, it’s a transformative time for both lenders and borrowers. However, while convenience is on the rise, understanding loan terms,

Managing capital gains taxes effectively is a crucial part of financial planning for any investor or trader in India. Whether you’re dealing in equities, mutual funds, or other capital assets, understanding how short-term and long-term gains interact can help you reduce your tax liability significantly. Let’s explore how capital gains are taxed in India, what

India’s stock market has been booming, drawing in millions of new investors. However, this rapid growth has also led to a rise in fraudulent schemes that prey on inexperienced participants. Understanding how to spot red flags, avoid risky trades, and protect your assets is essential—especially in today’s volatile investment climate. India’s Equity Market Surge: A

If you’re looking to build long-term wealth in India, the combination of consistent investing and the power of compounding is a tried-and-tested strategy. Even small, regular investments in equities or mutual funds can grow significantly over time—despite market ups and downs—thanks to the snowballing effect of compound interest. Why Compounding Is a Wealth-Building Superpower The

Peter Lynch’s legendary book One Up on Wall Street has become a cornerstone for investors worldwide, offering practical and insightful strategies that remain as relevant today as they were in 1989. Lynch’s approach is grounded in simplicity, observation, research, and a strong understanding of businesses—making it accessible to both novice investors and seasoned professionals. In

Small-cap mutual funds have emerged as powerful wealth creators in India’s investment landscape, captivating investors with their potential for explosive growth. These funds, which invest predominantly in companies with market capitalizations below the 250th stock ranked by market cap (as per SEBI’s classification), represent businesses in nascent growth stages with substantial upside potential. However, these

In the dynamic landscape of mutual fund investments, a set-it-and-forget-it approach rarely delivers optimal results. Regular portfolio reviews and strategic adjustments are essential practices that distinguish successful investors from passive ones. This comprehensive guide will walk you through the process of effectively reviewing and rebalancing your mutual fund portfolio to ensure it remains aligned with

Investing in mutual funds has become increasingly popular among Indian investors seeking wealth creation opportunities beyond traditional fixed deposits and real estate. However, understanding the tax implications of mutual fund investments is crucial for maximizing your post-tax returns. This comprehensive guide breaks down the taxation rules for different types of mutual funds to help you

Systematic Investment Plans (SIPs) have revolutionized how Indians invest in mutual funds, making wealth creation accessible to everyone with their disciplined, affordable approach. However, with thousands of SIP options available across various fund categories, selecting the right plan that aligns with your specific financial goals requires careful consideration. This comprehensive guide will help you navigate

Investing your hard-earned money can often feel like navigating through a dense fog—there’s a lot of uncertainty, and clear profits are anything but guaranteed. The world is flooded with books, blogs, and videos on investing, each promising the secret sauce to wealth. Yet, even the pros with years of skin in the game don’t always

In today’s uncertain economy, managing finances post-retirement is a grave concern for many senior citizens. Hence, fixed deposit rates for senior citizens are gaining ground for the promise of high returns and financial stability they offer. Here’s how you can navigate through it confidently. A Fixed deposit (FD) is a financial instrument that yields guaranteed

Silver has been utilized for thousands of years in monetary systems, ornamental industries, and practical ones. It’s got a bunch of things going for it that make it seem like a good investment for the right person. A few things to bear in mind while thinking about buying silver as an investment are as follows.

Investing is an effective way for you to build your wealth and achieve financial freedom later on in your life. Indeed, investing is a lucrative idea that an individual like you can hop on.  Nonetheless, investing entails other aspects, including sound investment management. It involves the buying and selling of real estate properties, stocks, precious

The first question in your mind should be what is CAMS: KRA, KYC, FATCA Status? Well! All these terms may sound so difficult, but it isn’t the case. Let’s find out what each of them means. Most of the people who are working have heard about the mutual funds, and further may have good knowledge

Advantages and Disadvantages of Investing in Warrants: Let’s start with the simple introduction of what exactly warrants are! Warrants are tools of investments that allow investors to purchase company stocks at a specific price. It gives the holder with the right but not the obligation to buy or sell back the stock at a definite price

We all grew up watching mutual fund ads and we still watch them. Our parents don’t want to hear about stock markets, cryptos, etc. but mention to them about mutual funds and they would talk about it all day. Saving money in banks and mutual funds has been the only two safe things that they

You must have come heard about these names a lot of times. They are normally used for the financial market and imply a distinct meaning to the financial instruments. Face value, book value and market value these words are also used a lot of times in investments and there these words are used numerous times.

Hindu Undivided Families (HUFs) have unique investment needs that require careful consideration to optimize their financial growth. Mutual Funds and Portfolio Management Services (PMS) are two prominent investment options available for HUFs. While Mutual Funds offer diversification, professional management, and liquidity, PMS provides customized portfolios, direct ownership, and potentially higher returns. HUFs must weigh factors

While the girl child has often had more dedicated saving schemes, there are also post office saving schemes available for the boy child in India. If you’re looking to secure your boy child’s future financially, these schemes are worth considering. Parents generally save money for their children for various reasons—marriage, health, education, career, or even

Confused about investing in Post Office National Savings Certificates (NSC)? Let’s uncover the essentials of NSC, covering eligibility, benefits, interest rates, and more. Financial literacy is often lacking in India, leading to financial struggles in the 30s or retirement. Developing an investment habit in your 20s is wise, as you can take more risks. While

Courts and tax authorities recognize a clear distinction between tax evasion and tax planning. While tax evasion is illegal and akin to a criminal activity, tax planning is a legitimate method to reduce taxes by correctly interpreting and applying tax laws. The Honourable Supreme Court, in the landmark case of Azadi Bachao Andolan (263 ITT

With interest rates in India being significantly higher than those in developed countries like the US, UK, and Canada, many Indians living abroad prefer to park their excess funds in India to earn a handsome return on their surplus money. To encourage Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) staying abroad to invest

Feeling overwhelmed by the world of investing? Don’t worry – you’re not the only one! This guide is here to slice through the confusion and reveal the stock market’s hidden treasures. Learn how to become a savvy investor, snagging slices of ownership in businesses you admire (or maybe just tolerate), and potentially watch your money

As interest rates in India are higher compared to those in Western countries, many NRIs prefer investing in India. This preference is driven by the significant difference in interest rates between India and developed countries. To capitalize on this disparity, NRIs often choose to open an NRI bank account in India. There are three types

The digital transformation of export financing is not merely a future concept; it is actively reshaping the present. This shift towards digitalisation is redefining traditional processes, making export finance more accessible, efficient, and secure for businesses navigating the complexities of global markets. As we enter this new era, it’s essential to understand how these changes

The Finance Bill 2023 introduced a significant change aimed at limiting LTCG (Long Term Capital Gain) advantages by reclassifying gains from ‘specified mutual funds’ as short-term capital gains (STCG). But what exactly are these Specified Mutual Fund Schemes according to the Income Tax Act? And what’s the key modification regarding the taxation of gains from

Envision your financial future as a vast landscape of possibilities. Every financial choice we make today carves the contours of our wealth tomorrow. Each investment, whether it’s selecting a promising stock or setting aside savings, sows seeds of future prosperity. To cultivate this garden of wealth, we must adopt a strategic wealth-building mindset. Our compass

Hey there, financial fortune tellers! Ready to peer into the future of Indian finance? Get ready, because things are about to get exciting! From AI-powered wealth management to blockchain-backed transactions, a wave of innovation is poised to reshape the financial landscape we know. So, buckle up, and let’s explore the trends that might define the

Embracing the freedom of the gig economy while secretly worried about the financial roller coaster? Relax, fellow freelancer, because you’re not alone! But fear not, for within this wild west of flexible work lies the potential for financial stability and growth. Let’s explore how to tame the financial chaos and build a rock-solid foundation for

Hey there, fellow rural residents! Juggling daily life, managing household expenses, and dreaming of a secure future – we all understand the unique challenges of personal finance in rural India. But fear not, buddy! Here’s your guide to navigating the financial landscape, building a strong foundation, and achieving your goals. Let’s face the facts: But

Feeling the urge to invest your hard-earned money, but also wanting to make a positive impact on the world? You’re not alone! Enter the exciting world of sustainable and impact investing – where financial returns and positive change go hand-in-hand. But wait, isn’t this just wishful thinking? Buckle up, friend, because we’re about to debunk

The financial landscape is experiencing a remarkable shift – the rise of women investors! But this isn’t just a trend; it’s a revolution, driven by empowered women taking control of their financial futures and shattering outdated stereotypes. Let’s celebrate their journey and explore what’s fuelling this exciting power shift! From Wallflowers to Wall Street Warriors:

We all want to make smart financial decisions, but let’s face it, the world of finance can be… confusing. Enter money myths and scams – lurking in the shadows, ready to trip up even the most cautious individuals. But fear not, financial warrior! We’re here to debunk the most common myths and equip you with

Life throws some amazing curveballs – weddings, new homes, tiny humans joining the team – they’re exciting, but let’s be honest, can also be financially daunting. But fear not, fellow traveller! This is your guide to navigating these traditional life events with smart financial planning, ensuring you celebrate with joy, not stress. First things first,

Feeling overwhelmed by the world of investments? Let’s face it, the stock market, mutual funds, and all that jargon can sound like another language, especially for young adults just starting. But fear not, fellow explorer! This is your guide to hacking the investment jungle and discovering avenues that fit your goals and lifestyle. Why invest,

Income Tax season in India can feel like facing a mountain of paperwork with a deadline looming – stressful, right? But fret not, tax warrior! Let us navigate this together with some friendly tips and clear explanations. Consider this your guide to filing your taxes like a pro, sans the panic. First things first, who