Even an investor with an appetite for risk can consider investing in fixed deposits to hold a complete and well-diversified portfolio across asset classes.
'Revolving credit without full repayment causes interest to outpace repayment capacity, and leads to financial distress.'
People are increasingly being drawn to trusty small savings instruments
The return filed could be treated as defective, invalid, or even be considered as not filed at all.
The receipts have risen after falling for two successive years. Within the gainers among the small savings schemes, the maximum increase was seen in the case of post bank deposits, which had bucked the trend in earlier years as well. During 2008-09, the total receipts were estimated to have increased by 21.65 per cent to Rs 52,513 crore, as against Rs 43,165 crore. The outstanding under the scheme rose 12.27 per cent to Rs 22,217 crore.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
rediffGURU and financial planning expert Colonel Sanjeev Govila (retd) answers your personal finance-related questions.
rediffGURU Dev Ashish answers your personal finance and mutual fund queries.
rediffGURU Ramalingam Kalirajan answers your personal finance queries.
With the RBI infusing Rs 7.5 lakh crore in liquidity -- and possibly more in the future -- the short- to medium-term corporate bond market is expected to benefit.
Bank employees want a five day work week.
A N Shanbhag examines various proposals of Budget 2003 which are of interest to individual assessees.
Senior citizens should avoid putting their entire retirement corpus in SCSS.
The world's largest postal service is stepping in to help deliver lifesaving medicines during a countrywide lockdown aimed at tackling the coronavirus pandemic.
Do you have financial planning or income tax queries? Ask rediffGURU Anil Rego.
'Accidents are unpredictable, whether it's a mishap during Diwali, a fracture during travel, or a fall in the bathroom.'
rediffGURU Mahesh Padmanabhan answers readers' personal income tax queries.
Even if interest rates go down, they may continue to offer better returns than fixed deposits.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
'Expect India to keep doing well irrespective of geopolitics.'
SBI has twice hiked interest rates on fixed deposits within a month, but an investor still gets better returns at the post office.
Self-employed individuals often face hurdles in buying term insurance due to financial documentation that doesn't fully reflect their earnings. This complicates underwriting.
The finance ministry has initiated an internal survey of the faceless regime to examine its effectiveness.
While festive offers can reduce costs, borrowers should also consider the lender's transparency and service quality. Customers need to be mindful of their repayment capacity.
HDFC Bank on Wednesday reported a 2.3 per cent year-on-year rise in its consolidated net profit to Rs 17,657 crore for the October-December quarter, restricted by slower loan growth. On a standalone basis, the largest private sector lender's net profit came at Rs 16,735.50 crore for the period, up from Rs 16,372.54 crore in the year-ago period, but marginally down from the preceding quarter's Rs 16,820.97 crore.
If you plan to withdraw money from your corpus regularly to meet expenses, have a portfolio of stable instruments.
'The BJP lacks a credible mass leader who matches Mamata Banerjee's popularity.' 'Given the division of votes among Opposition parties, the West Bengal government's dole-giving strategy, and the consolidation of the poor, significant sections of scheduled caste groups and Muslim minorities behind the ruling party, it will be difficult to dislodge the Trinamool from power.'
Justice Khanna, who will serve as CJI for a little over six months, will demit office on May 13, 2025.
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
'A government whose policies are focused around making the life of ordinary citizens, specially the most deprived sections, richer; a government that prioritises education, health and transport, that doesn't treat its citizens as subjects who must come to it for everything, is rare in our country.' 'When such a government is thrown out, one is left stunned,' notes Jyoti Punwani.
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
At least 13 candidates are in the race for the position of managing director and chief executive officer (MD & CEO) of Punjab National Bank (PNB), the second-largest public sector bank (PSB), according to multiple sources familiar with the matter. "Among the candidates, some are executive directors (EDs) and managing directors in major PSBs. "Financial Services Institutions Bureau (FSIB) will conduct the interviews next month," said a source.
The Shivraj Singh Chouhan government in Madhya Pradesh will be taking some senior citizens in the state on free pilgrimages by air under its existing scheme and the exercise will start from May 21, months before the assembly polls in the Bharatiya Janata Party-ruled state.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Post office savings of 1, 2 and 3 year term deposits and 5-year recurring deposit currently fetch 8.4 per cent interest per annum.
PVR-Inox is in an inherently fickle business. If there is a string of flops, the box office collections will be weak. Conversely, Q2FY24, which witnessed several hits, has brought about an upside in revenues. However, the merger has led to market share gains and synergies that helped bring breakeven down to approximately 20 per cent occupancy.
Do you have financial planning queries? Ask rediffGURU Kirtan A Shah.
'Set aside around six months' monthly expenses for emergencies.' 'Keep this money in safe and liquid options, such as liquid funds and fixed deposits.'
'Today, let us reaffirm our commitment to strive to realise Gandhiji's dreams. His watchwords, truth and nonviolence, will continue to remain relevant for the whole world. He also taught us that rights and duties are but the two sides of the coin - indeed, the true source of rights is duty. Today we recall his lessons in compassion too - compassion not only for our human neighbours but also for our other neighbours, namely, flora and fauna, rivers and mountains.'
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