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.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Congress leader Priyanka Gandhi Vadra accuses the NDA of plotting to steal the Bihar assembly elections, alleging collusion with the Election Commission and voter roll manipulation.
The reduction in goods & services tax (GST) on individual life and health insurance premiums has been called a "landmark step" for making insurance affordable and inclusive. In a panel discussion at the Business Standard BFSI Insight Summit 2025, Anup Bagchi, managing director (MD) & chief executive officer (CEO) of ICICI Prudential Life Insurance; Mahesh Balasubramanian, MD & CEO of Kotak Life Insurance; Tarun Chugh, MD & CEO of Bajaj Life Insurance; and Ratnakar Patnaik, MD of Life Insurance Corporation of India (LIC), listed what else the industry needs to reach more people.
India's equity markets may have expanded rapidly, but initial public offerings (IPOs) are increasingly becoming exit vehicles for early investors rather than as engines for raising long-term capital, a shift that undermines the spirit of public markets, Chief Economic Advisor V Anantha Nageswaran warned on Monday at a CII event.
From appointment letters becoming mandatory to gig workers receiving social security to enhanced rights for women and contract labour, the changes reflect India's attempt to balance ease of doing business with stronger worker welfare.
The Union Cabinet on Wednesday increased Dearness Allowance (DA) and Dearness Relief (DR) by 3 per cent for about 49.19 lakh central government employees and 68.72 lakh pensioners.
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
'These changes are expected to eliminate many data-entry problems that make the return filing process cumbersome in the current system.'
The Bihar chief minister had a point to prove in the latest assembly elections, which were held amid speculations of a fatigue factor, if not downright anti-incumbency, made worse by rumours of his indifferent health.
'Poverty eradication is a continuous process. There is no full stop to it.'
The Congress on Friday posted its second worst performance in Bihar's electoral history, managing to win only six of the over 50 seats it contested and losing deposits in most seats as its 'vote chori' pitch failed to make any impact on the ground.
The NDA in Bihar, led by Chief Minister Nitish Kumar, strategically countered the Mahagathbandan's moves by implementing similar policies and announcements, effectively neutralising the MGB campaign promises and maintaining their political advantage.
Most think tax-saving deductions exist only in the old regime. But the New one quietly retains 40+ ways to ease your tax load
CPGRAMS -- an online platform available to citizens 24x7 to lodge their grievances to public authorities on service delivery -- has existed for close to two decades. But it has never been this active, points out Tamal Bandyopadhyay.
Former poll strategist Prashant Kishor's Jan Suraaj expressed disappointment over its poll debacle in the Bihar assembly elections, attributing the NDA's victory to cash transfers to women.
'This outcome is thoroughly unexpected.' 'I travelled extensively across villages, engaged in detailed discussions with residents, and consulted with party workers who had been canvassing from village to village, from one location to another, seeking grassroots feedback.' 'Not a single interlocutor suggested that there would be an NDA wave of this magnitude.'
EPFO has simplified PF withdrawals -- fewer rules, faster access, and more flexibility -- while introducing safeguards that make it harder to drain your retirement savings too early.
Justice Surya Kant has been appointed as the 53rd Chief Justice of India, succeeding Justice Bhushan R Gavai. He will assume office on November 24 and serve until February 9, 2027.
The strong domestic flow offset selling by foreign portfolio investors who pulled out $23.3 billion (Rs 2.03 trillion) from domestic equity markets in CY25.
Tejashwi Yadav, the INDIA bloc's CM candidate, promised to scrap the Waqf (Amendment) Act if voted to power in Bihar, criticizing the current CM and the BJP.
An ECI statement issued from New Delhi put the voter turnout at 68.76 per cent. The female turnout (74.03 per cent) was significantly higher, compared with males (64.1 per cent).
Bihar recorded its highest-ever voter turnout of 67.14 per cent in the second and final phase of the assembly elections. The election is seen as a referendum on Chief Minister Nitish Kumar. Kishanganj recorded the highest polling percentage at 76.26.
'When you compare Bihar's poverty from its earlier times, then there is a huge difference. Things have improved a lot. And migration has played an important role in reducing poverty.'
Currently, India has five publicly listed Reits: Brookfield India Real Estate Trust, Embassy Office Parks Reit, Mindspace Business Parks Reit Nexus Select Trust, and Knowledge Realty Trust.
Prime Minister Narendra Modi asserted that the record turnout in the first phase of the Bihar assembly polls indicates people's trust in the NDA government. He predicted victory for the NDA, led by Chief Minister Nitish Kumar, and lauded the Election Commission for conducting successful elections.
The National Democratic Alliance was set to sweep the Bihar assembly polls, surging ahead in over 200 of 243 seats on Friday with the Bharatiya Janata Party emerging as single largest party with about 90 per cent strike rate, reaffirming the popularity and campaign clout of Prime Minister Narendra Modi, who was the face of the ruling alliance through the poll battle in the highly sensitive political state.
rediffGURU T S Khurana answers readers' personal income tax queries
Justice Surya Kant, who was elevated as a judge of the Supreme Court on May 24, 2019, would have a tenure of over 1.2 years as the CJI. He is due to retire on February 9, 2027.
The first phase of Bihar assembly elections saw a moderate pace of polling across 121 constituencies, with 53.77% voter turnout reported till 3 pm. Sporadic incidents of violence were also reported. Key leaders are in the fray for both the ruling NDA and the opposition INDIA bloc.
Public sector banks (PSBs) have seen a sharp drop in household deposits from 70.6 per cent to 63 per cent in contrast with private banks, which witnessed a surge from 27.1 per cent to 34.1 per cent.
Left to its machinations, the BJP would have loved to cut Nitish down to size, but it can't afford to do so as the JD-U is in alliance with the BJP at the Centre, and cannot form a government on its own in Bihar. For now, both need each other: Nitish for legitimacy, the BJP for numbers, points out Ramesh Menon.
When and how you can access EPF money before retirement without jeopardising your long-term retirement savings.
India's corporate bond market, driven by public sector undertaking (PSU) banks and financial institutions last year, is losing momentum since the second quarter of FY26.
Issuers have allotted nearly four times as much to mutual funds (MFs) as they have to insurance companies in recent quarters. MFs invested Rs 21,976 crore as anchor investors in initial public offerings (IPOs) on a trailing four-quarter basis, according to data from Prime Database.
Another populist decision of the government was the announcement of an unemployment allowance for the youth: Rs 1,000 per month for two years for graduates and those who have completed class 12 but remain unemployed.
'There is no provision for a specific salary for the vice president; instead, they receive remuneration and benefits commensurate with their role as the chairman of the Rajya Sabha.'
Prime Minister Narendra Modi on Sunday claimed that the Congress had been unwilling to accept Tejashwi Yadav as the Indian National Developmental Inclusive Alliance (INDIA) chief ministerial candidate and relented only after the Rashtriya Janata Dal pointed a 'katta', an unlicensed country-made gun, at its head.
The RBI advisory follows a labour ministry request earlier this year seeking the central bank's expertise to identify gaps in EPFO's investment strategy and fund management practices, including accounting, risk management, and internal governance.
Now a multi-dimensional rate structure has been created for CGHS cardholders in all categories based on four different parameters, with semi-private rooms forming the base for package rates.
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