Investors are moving away from the commercial paper (CP) market towards certificates of deposit (CDs), as primary CD issuances and rates on these short-term instruments rise.
'Investors who remain calm, consistent, and disciplined through short-term volatility are usually the ones who benefit most in the long run.'
Becoming a shareholder isn't about predicting markets perfectly. What matters more is recognising when you're financially and mentally prepared to participate in wealth creation. If you've been wondering when you should start investing, here are five signs that suggest you're already ready.
Most Indian investors start their investment journey with the wrong question. They ask, "Which fund will give the highest return?" instead of "How do I structure my investments so that I pay less tax, manage risk effectively, and still compound wealth over time?"
Futures and options (F&O) trading suits investors with good market knowledge, sufficient risk capital, a tested strategy and strong discipline.
'Since the category has a limited track record, assess the fund manager's experience across equity and debt market cycles rather than relying only on past returns.'
The decision depends on factors like your capital on hand, investment timeframe, and comfort level with market fluctuations. In this blog, let us understand how both approaches work.
Multiple tailwinds for the automobile sector, including a cut in goods and services tax (GST) rates, are keeping analysts bullish on auto stocks from a long-term perspective, even as they see the rally running its course in the near term.
Urban Indian millennials are caught in an algorithmically amplified consumption spiral where social media normalises spending patterns that systematically undermine retirement security.
The government is introducing a 0.4% Merchant Discount Rate (MDR) on UPI person-to-merchant payments above Rs 2,000, effective October 15. This move ends the zero-MDR regime, aiming to fund UPI infrastructure and sustainability, as the previous government subsidy was insufficient to cover operational costs. Payments between individuals and most everyday merchant transactions will remain free.
The National Payments Corporation of India (NPCI) stated that the Merchant Discount Rate (MDR) "is distributed only amongst the UPI ecosystem, to further invest into infrastructure resilience, innovation, cybersecurity (protecting the UPI infrastructure with banks and non-banks) and customer service."
BAFs seek to offer a smoother experience across market cycles, not the full upside of a bull market.
A new study projects that by the end of the century, hot days could experience an additional four hours of extreme heat, with low and middle-income countries being disproportionately affected. The research highlights that traditional daily temperature metrics often overlook shorter, intense periods of heat, and hourly assessments are crucial for effective heat risk management and public health planning in a warming climate.
Domestic institutional investors (DIIs), driven by the popularity of mutual funds, have emerged as significant stabilising forces for Indian capital markets amidst global volatility and foreign portfolio investment (FPI) outflows, according to Sebi whole-time member Amarjeet Singh.
FPIs have already withdrawn Rs 2.6 trillion from Indian equities in 2026, exceeding the outflows recorded in any previous full calendar year.
Hindustan Unilever Ltd (HUL) reported a 3.17 per cent year-on-year decline in consolidated net profit to Rs 2,680 crore for the June quarter, even as revenue from product sales surged by 10.26 per cent to Rs 17,149 crore, marking its highest growth in 13 quarters.
An AIIMS study reveals that yoga can increase a user's chances of quitting tobacco by approximately 50 per cent.
These schemes are a good choice for investors contemplating a large investment in equity funds. Instead of investing all the money in one go, they can do so in a staggered manner by parking it in these schemes and then transferring it to equity mutual funds through a systematic transfer plan.
A simple SIP-first approach can help reduce debt, avoid EMIs and build lasting financial freedom through disciplined spending, advises Ramalingam Kalirajan
'Users should protect their savings goals before allocating money to discretionary expenditure.'
The most financially successful borrowers will not necessarily be those who have the easiest access to credit. They will be the ones who understand how to manage it wisely
rediffGURU Vipul Bhavsar answers readers' personal income tax queries.
India's balance of payments (BoP) recorded an $8.1 billion deficit in the first quarter of 2026-27 (Q1FY27), a significant increase from a $4.5 billion surplus in the corresponding period of the previous year, primarily driven by a sharp reversal in portfolio flows.
Understanding a product and assessing its suitability improve the chances of staying invested. Use life insurance mainly to cover risk, not to seek returns.
The Reserve Bank of India (RBI) and the central government have introduced a package of measures, including tax exemptions for FPIs on government securities and a concessional foreign-exchange swap facility, aiming to attract up to $50 billion in foreign capital. This initiative is designed to strengthen India's balance of payments and potentially cover the projected BoP gap for FY27.
'The ethanol blended with petrol programme should not be halted or reconsidered.' 'India is not experiencing a structural sugar shortage, and the ethanol blending roadmap does not compete with food security or drive domestic price increases.'
Despite the Reserve Bank of India's (RBI) and the government's recent initiatives to attract foreign capital, which are expected to alleviate pressure on long-duration bonds, most debt fund managers are maintaining a cautious stance, favouring shorter-duration papers due to global uncertainties and potential future rate hikes.
'You have to get private investment to somewhere between 35% to 36% of GDP. It is hovering about 30%-31%.'
Verify a content creator's Sebi registration, qualifications and certifications before acting on their advice.
India's largest retirement fund manager, the Employees' Provident Fund Organisation (EPFO), is enhancing its investment governance and fund management practices, following the Reserve Bank of India's recommendations.
'There is a huge tax differential of 15% to 20% depending on income classification.'
For millions of Indians, this number has become one of the most important financial indicators. It can influence not only whether a bank approves a loan but also the interest rate you pay, the credit limit you receive and, in some cases, how quickly your application is processed.
An employee whose financial future is 60-80 per cent dependent on a single company's growth trajectory has no genuine safety net.
Education sector experts agree that using the "best technology" was essential to ensure students did not have to sit for an examination all over again because of a question paper leak.
Behind the aesthetics of an entrepreneurial lifestyle lies a silent financial crisis that nobody is talking about: Freelancers are sprinting toward a retirement brick wall.
The tax treatment of equity savings funds makes them appealing, especially to investors in higher income-tax brackets.
Lending is no longer just about what you've done. It is about how you manage money over time, says Mohit Jain, Co-founder, Finfinity.
Long-duration bonds allow investors to match investment tenure with long-term liabilities and also stabilise their long-duration portfolios.
LAMF allows investors to access liquidity while staying invested.
Earlier, most investors counted on traditional options like fixed deposits, gold, or property. But in 2026, you will have access to a much wider range of opportunities across different markets and sectors.
