Ask rediffGURU Reetika Sharma your insurance mutual fund and personal finance-related questions.
Medical negligence arises when a medical professional deviates from reasonable standards of care, causing injury to the patient.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
rediffGURU T S Khurana answers readers' personal income tax queries
'Do exhaustive research and then select the one that best fits your budget and requirements.'
Utilities in the power sector present an interesting investment case at this moment. Most power stocks have lost substantial ground in the past 12 months.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Loan against fixed deposit is cheaper and comes with fewer charges.
The exit of Larsen & Toubro (L&T) from the Hyderabad Metro is a long-term positive for the stock. It could be a bullish trigger, alongside higher international orders, and new opportunities in segments like defence and data centres.
Public-sector banks (PSBs) are attracting the attention of investors and the PSU Bank Index has gained nearly 10 per cent in the past month. PSBs have seen return on assets (RoA) climbing to 1 per cent in 2024-2025 (FY25) and margins are believed to have moved up further in the first half of this financial year (H1FY26) with asset quality remaining stable.
'Some buyers get carried away by festival offers and purchase higher variants or larger vehicles than they truly need, which impacts running cost and long-term affordability.'
Do not panic on receiving a notice. Verify if your work falls under professions notified in Section 44AA(1).
'Somebody was using somebody to make statements that will stir the stock market and lead to a surge.' 'A sudden surge and a sudden crash is always an ideal situation for people to make illicit gains and then siphoning off the money.'
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
Ask rediffGURU and tax expert Mihir Tanna your income tax-related questions.
'The world is heading into a period of serious problems, and gold and silver are among the few ways to protect oneself.'
Zero depreciation cover ensures that the insurer pays the full replacement cost of parts such as bumpers, headlamps, side mirrors, and plastic fittings.
rediffGURU T S Khurana answers readers' personal income tax queries.
With the price of gold entering a strong bull run, gold-loan non-banking financial companies (NBFCs) are under the spotlight, even though their performance is not directly linked to gold price. Muthoot Finance outperformed in the April-June quarter (Q1) of 2025-26 (FY26), with its assets under management (AUM) growing 10 per cent quarter-on-quarter (Q-o-Q) and 42 per cent year-on-year (Y-o-Y), an improvement of 88 basis points (bps) Q-o-Q in net interest margin (NIM), and a fall in credit cost. Gold AUM rose 40 per cent Y-o-Y and 10 per cent Q-o-Q. The company recorded recoveries of 350 crore, including 100 crore from an asset reconstruction company (ARC), resulting in a 100-bp Q-o-Q yield increase.
Use these loans to meet emergency needs, and not to fund holidays or luxury purchases.
'Investing in these funds makes sense if their net yield over better-quality funds -- corporate bond funds or banking and PSU funds -- is meaningful.'
'Always keep accurate and transparent records of the source of the investment or property's funding: Loan agreements, transfer records of the property, and bank statements of co-owners if available.'
'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.'
Reels often induce the FOMO-'Act now!' mentality. But sound investing is about consistency, diversification and a long-term horizon.
New investors should avoid short-term, tactical entries and instead go for staggered buying via ETFs to manage volatility.
'They are positioned as defensive products and can potentially give marginally higher returns than liquid funds.'
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Retirement-focused products that promise certainty can look attractive. The returns are guaranteed, and locking into a fixed rate feels reassuring at a time when deposit rates are declining.
'Legally clean farmland is difficult to find. It requires time, money, and legal effort to verify the title.'
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'Such stocks may be useful for aggressive portfolios, but should not be part of the core holdings.'
Investors may wait for six months and then take another look at the stock.
'If nominal growth improves and earnings pick up, Indian stock markets could see a rally next year.'
'A staggered investment approach (using SIP or STP) can help investors benefit from this opportunity while reducing timing risk.'
SEBI's blockbuster reforms are rewriting the rules of mutual fund investing -- faster growth, sharper transparency, and smarter safeguards that put investors first, explains Ramalingam Kalirajan.
Given the stronger rural activity, and potential goods and services tax (GST) impact, investors are bullish on the two-wheeler (2W) segment. In August, dealers in the domestic market picked up 11 per cent more 2Ws year-on-year (Y-o-Y), despite only 2 per cent growth in retail registrations. This indicates inventory stocking ahead of the festival season. Export trends were good. TVS Motor and Royal Enfield may have gained domestic market share.
The biggest risk for investors isn't the market, but their own minds, biases and emotions often lead to poor financial choices.
Global emerging market investors are sharply cutting back on India, making it the largest underweight market, as funds rotate into China, Hong Kong, and South Korea amid tariff shocks and valuation concerns.
Reliance Industries (RIL) annual general meeting (AGM) had several stunning announcements. RIL looks to list Jio Platforms (JPL) by June 2026. It targets doubling of FY22 earnings before interest, taxes, depreciation and amortisation (Ebitda) (Rs 1.25 trillion; $14.6 billion) by FY27 implying 14.7 per cent compound annual growth rate (CAGR) over the FY22 levels.
Young investors with a higher risk appetite are better off with a combination of term insurance and equity funds.
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