The Indian government has maintained the interest rates on small savings schemes, including PPF and NSC, for the eighth consecutive quarter, starting April 1, 2026.
In the rush to complete tax-saving investments at the end of the financial year, many taxpayers choose instruments that do not match their long-term financial goals.
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Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
The most common mistake is investing without assessing suitability and long-term implications.
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'The government's decision to keep interest rates unchanged on small savings schemes will certainly constrain banks' ability to cut deposit rates further.'
While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
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Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
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Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
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If you don't make the necessary adjustments after October 1, 2024, you'll stop earning interest on accounts that aren't in compliance rediffGURU Milind Vadjikar
Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
'PPF carries minimal risk.' 'Its fixed-income nature allows investors to diversify their portfolios.'
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If you fail to make the lump sum deposit before April 5, do so at least before the 5th of the next month (May). That way you will only lose out on the interest for April.
Most think tax-saving deductions exist only in the old regime. But the New one quietly retains 40+ ways to ease your tax load
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Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Here's unlocking the real story behind your EPF's 8.25% interest and what it truly means for your retirement kitty.
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Chartered accountant Nitin Kaushik's message to India's young workforce is clear: spend smart, save smarter and let money serve your goals.
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Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
While investing in PPF, investors must remember to put in the money at the right time to maximise the return they earn from it.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Organise your PAN, Form 16, Form 26AS, AIS, and all other proofs before e-filing.
Master the online ITR filing process and then learn the differences between the old and new tax regimes to pick your best option.
Cross-check key documents, maximise your deductions, avoid errors, and ensure you get your refund smoothly.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Errors in filing income-tax returns frequently lead to scrutiny notices, additional liabilities, or delayed refunds.
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
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