Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
Before signing up for a BNPL plan, read the fine print carefully and watch for red flags like unclear repayment terms, vague information on interest or late fees, and marketing that downplays the cost of default.
Indian Oil Corporation's (IOC's) Q2FY26 operating profit of 14,600 crore beat Street estimates and was up 16 per cent on a sequential basis. It surged 287 per cent over the year-ago quarter on account of an improved refining performance.
'Having a separate healthcare corpus is extremely important even for those already covered by health insurance.'
'They are a poor fit for anyone with near-term goals, low volatility tolerance, or a need for steady income or liquidity.' 'First-time investors should typically avoid them.'
'...aggressive pricing amid volatility, but these are exceptions.'
The Kerala High Court has directed the state police to register a criminal case and launch an investigation into the misappropriation of gold from a shrine's side frames or lintels.
For homebuyers, the OC is not just an administrative formality but the very basis of lawful possession. Without it, the property is deemed unauthorised, exposing buyers to risks such as eviction, denial of utilities, or even demolition.
There is positive sentiment for Tata Steel on the basis of strong domestic demand, a turnaround of European operations and moderate valuations. A combination of capacity expansion, efficiency gains, higher asset utilisation, and improved operating leverage may lead to margin expansions.
Nearly 96 per cent of new applicants will benefit from this simplified approval route.
The Bellerive Oval is one ground where the side boundaries are smaller in size, hence hitting the right lengths would be paramount considering anything short would be flying over cover, point, square leg or mid-wicket on either side of the fence.
The Supreme Court has scheduled a hearing for November 12 to address the statutory age of consent for adolescents, emphasizing the need for a continuous and comprehensive examination of the issue. The Centre defends the current age of consent, while an amicus curiae suggests lowering it.
'It is not looking at valuation, but investment, growth and ultimately better profit for stakeholders.'
Hindustan Unilever Ltd's (HUL's) second quarter 2025-26 (Q2FY26) consolidated revenue rose 2 per cent to Rs 16,250 crore, with low or flat volume growth. Demand remained stable but goods and services tax (GST) transition and prolonged monsoon hurt offtake.
'Corporates now have multiple funding sources beyond banks, and many are sitting on large cash reserves.'
'Allocating 5 to 10 per cent of one's portfolio and staying disciplined through market cycles helps in having a positive investment experience.'
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
Top Indian cement firms are expected to report a strong earnings growth for the second quarter of the financial year 2025-26 (Q2FY26) on a year-on-year (Y-o-Y) basis, amid improved realisations, prices, and steady volume growth, but on a low base.
'An asset must generate income. Equities yield dividends, bonds pay coupons, deposits give interest, and real estate earns rent.' 'Gold, silver, and even Bitcoin produce no income, they merely store value. So, they should not be compared to productive assets.'
Calling itself the "custodian of the Constitution", the Supreme Court on Thursday asked if it could "sit idle" if a constitutional functionary like governor failed to discharge duties, as it reserved its verdict on the presidential reference on grant of assent to bills.
Quoting an incorrect PAN during property registration can invite penalties and prosecution.
Colgate-Palmolive India's September quarter (Q2FY26) performance has reinforced concerns among brokerages about the company's continued market challenges.
'Equities may not outperform every year, but if they do so seven times out of 10, it's an asset class worth relying on.'
While Q2FY26 is expected to be mildly disappointing for the hospital sector, there's a lot of investor optimism for the future. This comes after a favourable revision in rates for Central Government Health Scheme (CGHS) procedures, as well as expectations of rising occupancy and growth in average revenue per operating bed (ARPOB).
'It takes time and the experience of a few market cycles to develop awareness about one's true risk appetite.'
The Supreme Court has questioned the practice of Governors withholding assent to bills indefinitely, stating that it renders the constitutional provision of 'as soon as possible' meaningless.
Those who have long retirement horizons of 15 to 20 years and seek higher long-term returns may opt for MSF. Investors nearing retirement (under 10 years) or those with low risk tolerance should stay away.
ICICI Bank delivered satisfactory results in the second quarter of 2025-26 (Q2FY26), sustaining return on assets (RoA) of around 2.3-2.4 per cent and improving asset quality. Provisions declined 26 per cent year-on-year (Y-o-Y) and 50 per cent quarter-on-quarter (Q-o-Q).
'This is an area where good lending can happen, and that is one of the priorities for the next quarter.'
'I will not be surprised if there is a 7 per cent handle in front of the decimal place for the full financial year.'
'The government is putting insurance in the same category as food, which is essential for life.' 'Now this is an opportunity for the sector to focus on the consumer.'
EMI means you've already spent tomorrow's income; SIP means you're investing today's income to secure tomorrow, explains Ramalingam Kalirajan
'The primary market's rhythm mirrors investor confidence. While sentiment may appear cautious, it reflects maturity, not weakness.'
'Defence, capital goods, engineering, capital market-related stocks, autos, and cement sectors are my bullish bets for Samvat 2082.'
Axis Bank reported a sharp drop in net profit in the second quarter of financial year 2026 (Q2FY26) on higher provisions and weak operating profit growth while revenue growth was moderate. But loan growth and deposit growth improved to double-digits year-on-year (Y-o-Y) and asset quality also improved with the gross non-performing loan or NPL ratio moving down.
While the new income tax law replaces the Income Tax Act, 1961 and omits 13 offences, 35 actions and omissions continue to attract criminal liability under 13 provisions.
New investors should not allow themselves to fall prey to FOMO and rush headlong into gold.
Investors having a moderate-risk profile can use these funds in their retirement portfolios.
MFs offer scale, simplicity, liquidity, and tax efficiency, and are an excellent vehicle for disciplined SIP investing. PMS is better suited for larger portfolios with equity allocation of Rs 3 crore to Rs 5 crore.
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
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