Tax evaders, BEWARE! The Income Tax department is using AI data analytics to bust fake deductions, flag HRA fraud, and trace digital footprints.
Debt mutual fund (MF) schemes are set to register the best calendar year (CY) performance in the last four years despite no changes in the interest rate. An analysis of one-year performance of debt funds show that many of the schemes are set to deliver double-digit returns in CY 2024.
Cases of front-running mostly happen when large asset managers and intermediaries are involved in bulk trades as their transaction size is generally big enough to impact the stock price.
The income tax department has notified ITR forms 1 and 4 for assessment year (AY) 2025-26 that are to be filed by individuals and entities with total income of up to Rs 50 lakh a year. Now individuals having long-term capital gains of up to Rs 1.25 lakh in a fiscal year can also file ITR-1.
In 2024, the Securities and Exchange Board of India (Sebi) implemented significant reforms, focusing on cooling down the derivatives segment, enhancing transparency and accountability in small and midsised enterprise (SME) listings, and deepening the fund management ecosystem.
Privately, many bankers admit their immediate goal is not growth but slowing the erosion of Casa deposits, reveals Tamal Bandyopadhyay.
Systematic Withdrawal Plan, or SWP, can help you achieve your financial goals. Ramalingam Kalirajan's step-by-step guide on how to effectively use an SWP.
Various online platforms let you invest in direct mutual funds.
AIFF's RFP: No franchisee fee for clubs in ISL, commercial partner to provide video support system
Stopping SIPs during a downturn undermines the benefit of rupee-cost averaging.
Sebi aims to stay proactive as HFT and quant firms like Citadel Securities, Optiver, Millennium, and IMC Trading are expanding rapidly in India, which is home to the world's largest derivatives market by contracts traded.
'We would advise investors to hold on to multi-cap funds and not invest further until further clarity emerges.'
Only a limited set of investors should invest directly in corporate bonds.
Since MAAFs invest across multiple asset classes, they offer diversification.
'By investing in a basket of funds, FoFs can help minimise the impact of underperforming funds, thus reducing overall investment risk.'
Valuations at current levels have historically corresponded single-digit returns.
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
Ask rediffGURU Ulhas Joshi your mutual fund queries.
Why try to time the market when time in the market works better? History shows that patient investors who stay the course often walk away with the real rewards, says Ramalingam Kalirajan.
Most mutual funds charge an entry load of 2.25 percent on your investment. Here's why you NOT pay the load.
Until now, salaried individuals having income under the head LTCG were required to file Form ITR-2.
Investors should avoid making drastic changes to their asset allocation during a market correction.
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
The Securities and Exchange Board of India (Sebi) on Monday approved the introduction of a new asset class, designed to offer greater flexibility to fund managers and target investors with a higher risk appetite. The markets regulator also cleared the liberalised Mutual Funds Lite (MF Lite) framework, aimed at fund houses that solely launch passively managed schemes. In another significant move, the board reduced the timeframe for rights issues from the current 317 working days to just 23.
'The incentives to switch to the new tax regime... are viewed as a negative due to potential loss of customers who buy policies for saving tax.' 'The tax-saving value proposition for the sector reduces.'
From how to open an NPS Vatsalya account to knowing how this scheme compares to investing in mutual fund or in provident fund, Ramalingam Kalirajan offers a 360-degree view and the pros and cons of investing in a scheme that has the potential to secure your child's financial well-being.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
'Indian investors have always been debt-heavy but with growing financial awareness they are getting comfortable with equities.'
The S A Dave-headed mutual fund advisory committee has recommended to the Securities and Exchange Board of India that mutual fund investors pay the commission to distributors directly. Accordingly, mutual fund investors will have to give separate cheques to distributors as commission if Sebi approves this recommendation.
An interesting imaginary conversation between Kirtan A Shah and an investor about how investing in mutual funds is better than investing directly in stocks.
DIIs owned equities worth Rs 73.5 trillion, just 1.9 per cent less than FPIs. This marks a significant change from a decade ago.
'...you evaluate three key factors before committing your money.'
'Investors' decisions should reflect their financial goals, risk tolerance, and the amount of gold already present in their portfolio.'
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
'BSE has facilitated nearly Rs 35 trillion in capital raising across multiple segments.'
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
'Even if India is attractive, FPIs currently lack the funds to invest, as money is being redirected to the US.'
Midcap stocks Hero MotoCorp, Zydus Lifesciences, JSW Energy, NHPC, Bharat Heavy Electricals, Bosch, and Samvardhana Motherson are expected to earn upgrades.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
rediffGURU Sunil Lala answers your personal finance-related queries.
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