As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends, points out Tamal Bandyopadhyay.
The actor recently vacationed in Australia with her husband Gautam Kitchlu and posted gorgeous pictures.
World Adult Day is a reminder that adulthood isn't a milestone you hit at 18 or 21, it's the everyday reality of managing life on your own, taking responsibility, making decisions and figuring things out without a parental safety net. Today, 27-year-old Krushant opens up about how living alone has taught him what 'grown-up' life is really like.
The average ticket size for a systematic investment plan (SIP) is edging up, even as the pace of new account openings remains strong. SIP ticket sizes had been shrinking in recent years, as mutual fund (MF) penetration grew. However, the average ticket size has started to climb again after a steep drop in the post-pandemic period, as the industry has doubled its investor base in the past four years.
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.
rediffGURU Ulhas Joshi answers your mutual fund queries.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
This is how two people with the same starting amount can end up in very different financial places. In this article, let's understand what lessons can be drawn for anyone starting out!
: Build lasting wealth via disciplined, long-term mutual fund investing in India's compounding marathon, Shanaihi, Shanaihi, says Ramalingam Kalirajan
Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
In Colombo on Monday, the India-Pakistan rivalry spilled onto the football field as the SAFF U-17 Championship delivered a five-goal thriller.
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.
Unbelievable, did you say? Ramalingam Kalirajan explains the simple math.
'First-time or conservative investors should avoid narrow sectoral funds.'
Chakravarthy's caption summed it up perfectly, ' Akkha duniya ek taraf, aur mere India ek taraf. Jai Hind.
Domestic institutional investors (DIIs) poured in Rs 94,829 crore of fresh money into Indian equities in August, the second-highest monthly inflow after record Rs 1.07 trillion influx in October 2024.
'Indian markets may underperform global peers for the next two quarters.' 'But beyond that, India should catch up and resume its long-term growth path.'
'Ideally, one should not time SIPs.' 'If people churn their SIP portfolios, then they are equating the concept of SIPs to lump sums.'
Billionbrains Garage Ventures, the parent company of stock broking firm Groww, on Thursday fixed a price band of Rs 95-100 per share for its upcoming Initial Public Offering (IPO), targeting a valuation of over Rs 61,700 crore (about $7 billion). The company's Rs 6,632 crore IPO would open for public subscription on November 4 and conclude on November 7, according to a public announcement.
'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.'
Sri Lanka stays with you not just in memory, but gently reminds you what a society can achieve when heart and heritage guide the way.
Long-term investors should never stop their SIPs during market corrections.
When it comes to building wealth, Time really is King. The power of compounding is what makes the magic happen, says rediffguru Ramalingam Kalirajan.
'Those satisfied with returns and not expecting further rally could be booking profits and also stopping SIPs.'
Haryana Chief Minister Nayab Singh Saini on Wednesday took a couple of sips of water from the Yamuna river to counter claims by the Aam Aadmi Party (AAP) that Haryana was polluting the river with industrial waste. He accused AAP leaders of spreading "poison" in politics and said their minds were filled with poison. The incident comes days before the Delhi assembly polls where the BJP and AAP are locked in a fierce battle.
Domestic markets saw the addition of nearly 3 million new dematerialised (demat) accounts in July, marking the highest monthly increase since December 2024. This is also the third consecutive month that witnessed a rise in account openings, following a period of moderation from January to April.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
You don't need a six-figure salary to build wealth -- you need discipline and a smart plan, says Ramalingam Kalirajan. and shows you how
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.
Imagine transforming a modest Rs 10,000 monthly investment into a steady Rs 1 lakh monthly income in your retirement years. This is the power of compounding -- a strategy that rewards you for starting early and staying consistent with your investments, says Ramalingam Kalirajan.
Yami Gautam is enjoying a scenic vacay in Leh and Ladakh with husband Aditya Dhar and parents Anjali and Mukesh Gautam.
'In an economy that is set to double in the coming years, stopping SIPs will take investors out of this growth path.'
'Investors who remain calm, consistent, and disciplined through short-term volatility are usually the ones who benefit most in the long run.'
Inflow in equity mutual funds dropped by 22 per cent to Rs 33,430 crore in August primarily due to a sharp fall in new fund offers (NFOs), data released by the Association of Mutual Funds in India (AMFI) showed on Wednesday. Also, the latest fund infusion by investors marks the 54th consecutive month of net inflows into the segment.
Redemptions from systematic investment plan (SIP) accounts scaled a new high of Rs 14,367 crore in July, indicating investors booked profits following back-to-back months of gains in the market. Volatility triggered by Budget announcements also played on investor sentiment. "July 2024 saw a peak in the Nifty, which may have prompted profit-booking among investors nearing the end of their goal tenure.
Loan against fixed deposit is cheaper and comes with fewer charges.
When we talk about Exchange-Traded Funds (ETFs), a few of their features that strike our mind are their low cost, easy-to-understand composition, and simple trading. While Index ETFs have always been popular among investors, Gold ETFs have garnered interest in recent years due to gold prices fluctuating near their all-time highs. But from a long-term investing context, do these ETFs really deliver?
Mutual funds are a powerful tool for building wealth, but do they work overnight? Successful investing requires discipline, patience, and a long-term vision, avers Ramalingam Kalirajan.
SIP top-ups are especially beneficial for young investors, who may start with a small SIP installment and grow it over their working careers, says Dwaipayan Bose.
rediffGURU Ulhas Joshi answers your personal finance and mutual fund queries
© 2026 Rediff.com - Advertise with us - Disclaimer - Privacy Policy - Sitemap - Feedback - About us - Terms of use - Grievances