The Indian government has maintained the interest rates on small savings schemes, including PPF and NSC, for the eighth consecutive quarter, starting April 1, 2026.
In the rush to complete tax-saving investments at the end of the financial year, many taxpayers choose instruments that do not match their long-term financial goals.
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'Whether you will bring this down and cause hurt to senior citizens, who are probably living on that little interest rate that they earn out of it... But equally, if I just look at the kitty of the National Small Savings Fund, it is from that same kitty that I'm borrowing.'
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With Income Tax Act 2025 in force, your tax choice can quietly cost you big money if you're not paying attention. Ramalingam Kalirajan explains how
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Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
The most common mistake is investing without assessing suitability and long-term implications.
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'The government's decision to keep interest rates unchanged on small savings schemes will certainly constrain banks' ability to cut deposit rates further.'
The answer depends on your financial goals and risk appetite, says Certified Financial Planner Ramalingam Kalirajan, and explains why.
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While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
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Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
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If you don't make the necessary adjustments after October 1, 2024, you'll stop earning interest on accounts that aren't in compliance rediffGURU Milind Vadjikar
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Long-term tax-saving FDs can also be considered after the PPF limit has been exhausted.
'PPF carries minimal risk.' 'Its fixed-income nature allows investors to diversify their portfolios.'
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If you fail to make the lump sum deposit before April 5, do so at least before the 5th of the next month (May). That way you will only lose out on the interest for April.
Most think tax-saving deductions exist only in the old regime. But the New one quietly retains 40+ ways to ease your tax load
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Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Here's unlocking the real story behind your EPF's 8.25% interest and what it truly means for your retirement kitty.
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Chartered accountant Nitin Kaushik's message to India's young workforce is clear: spend smart, save smarter and let money serve your goals.
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Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
While investing in PPF, investors must remember to put in the money at the right time to maximise the return they earn from it.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Organise your PAN, Form 16, Form 26AS, AIS, and all other proofs before e-filing.
Master the online ITR filing process and then learn the differences between the old and new tax regimes to pick your best option.
Cross-check key documents, maximise your deductions, avoid errors, and ensure you get your refund smoothly.
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