The Centre has to bear the maximum burden of borrowing NSSF loans to the tune of Rs 1 lakh crore.
Equity-oriented mutual fund schemes in India experienced a 5 per cent decline in net inflows in April, reaching Rs 38,440 crore, while monthly Systematic Investment Plan (SIP) contributions also saw a decrease.
The government on Wednesday said gross collections under various small savings schemes of the Indian Post increased by about 9 per cent to Rs 2,74,720 crore (Rs 2,747.2 billion) in 2010-11 in comparison to the previous year.
Sebi is working with other regulators to expand the CAS framework.
The scheme, called 'Suhana Safar', targeted customers who aspire to own a car but were hesitant because of concerns around arranging the down payment or managing future EMI obligations.
'Users should protect their savings goals before allocating money to discretionary expenditure.'
Besides giving good returns, small savings also offer a tax benefit says Arnav Pandya.
The panel, to be headed by Reserve Bank of India Deputy Governor Shymala Gopinath, will review the structure of the National Small Savings Fund and give recommendations on making schemes more flexible and market-linked.
Overall, small savings have amassed Rs 1.17 trillion from April-September - 26 per cent more than the previous year. But in those six months, the economy lost 24 per cent in the first three months, and is slated to lose 10 per cent in the second quarter.
Those willing to take a higher risk for higher returns can look at AAA-rated non-convertible debentures from reputed issuers.
When investing in fixed-income products, balancing considerations like safety, liquidity, and income is essential.
Prime Minister Narendra Modi has accused the Mamata Banerjee government of favouring infiltrators over the native population in West Bengal, asserting that the upcoming assembly election is a battle to save the state's identity.
Prime Minister Narendra Modi has accused the Mamata Banerjee government of favouring infiltrators over the native population, asserting that the upcoming assembly election in West Bengal is a battle to save the state's identity.
The Committee, which has been set up in pursuance of the announcement made by the Minister in his Budget speech, will also suggest whether the unclaimed deposit should come to government or be kept in a separate account.
If reimbursement becomes unavoidable, submit a complete file at the earliest.
Rising income feels like success but unchecked lifestyle inflation traps urban professionals into financing a more expensive version of living paycheck-to-paycheck -- buying material upgrades instead of true future financial freedom.
Millions of small savers and PPF account holders will earn less on their post office savings schemes, with the government deciding to reduce interest rates on them marginally by 0.10 per cent.
Of course, NOT! Here's why. And here's how you can increase your Rs 1 crore retirement corpus.
rediffGURU Vipul Bhavsar answers readers' personal income tax queries
From the financial year 2025-2026, the government has introduced a new column in the tax return form for presumptive taxpayers, requiring them to disclose their year-end investments. This requirement was not present last year.
Start SIPs early, increase investments steadily, and let compounding beat inflation to secure retirement wealth, says Ramalingam Kalirajan
Jewellers in Lucknow protest Prime Minister Modi's appeal to defer gold purchases for a year amid the West Asia crisis, fearing significant business losses and economic hardship for those involved in the trade.
Ask rediffGURU and PF, MF and insurance expert Purshotam Lal your mutual fund, insurance and personal finance-related questions.
Deferred payment plans may come with a cost, which may not be immediately visible.
rediffGURU Jinal Mehta answers readers' financial planning and health insurance queries
RBI wants to introduce these as an alternative to gold.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
With duties at 15%, GST at 3%, and making charges running as high as 20% -- the gap between a smart purchase and a careless one can easily be Rs 30,000 to Rs 50,000 on every Rs 1 lakh invested. And most of that gap is entirely avoidable. Ramalingam Kalirajan explains the math.
The staff at post offices misappropriated Rs 95.62 crore of public money between November 2002 and September 2021, the Comptroller and Auditor General has said. The money may seem small but it is what common citizen invested in post office savings, the oldest and the largest banking system in the country. The system serves the investment needs of urban and rural clients through schemes such as savings bank, recurring deposits, time deposits, national savings certificates, kisan vikas patras, public provident fund, monthly income account scheme, sukanya samriddhi accounts and senior citizens savings scheme.
Young earners with high incomes and few responsibilities can save more than 30 per cent, while those with low salaries and high expenses may save less.
'Every year we import approximately $70 billion worth of gold -- closer to $72 billion in 2025-2026, an all-time record.' 'There is no parallel for this anywhere in the world. And this love for gold will not disappear overnight.'
Retiring at 50 is not unrealistic. It simply requires: Discipline + Long-Term Vision + Compounding
A neutral monetary policy stance, heavy government borrowing, and issuers adjusting to a higher-for-longer yield environment have set the stage for a largely stable corporate bond market in 2026.
What lessons opposition parties need to learn post defeat of Mamata Banerjee in West Bengal elections? The election saw spectacular victor of BJP which rose from 3 seats in 2016 to 206 seats in 2026 assembly elections.
'If the Opposition associates itself too much with the minorities, then it becomes easy for the BJP to get Hindu consolidation votes.'
India has managed high government debt-to-GDP, a slowing domestic revenue engine, lower household savings and a more hostile geopolitical environment separately in the past. But together, they threaten to undo the growth narrative on which today's optimism rests, warns Debashis Basu.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Prime Minister Narendra Modi has accused the Trinamool Congress (TMC) of betraying women by obstructing the passage of the Constitution (131st Amendment) Bill, 2026, which aimed to reserve 33 per cent of seats in Parliament and state assemblies for women. Modi asserted that women in West Bengal would punish the TMC in the upcoming assembly elections.
The bond, which the Reserve Bank of India started issuing on behalf of the Union government in 2003, was considered one of the safest savings instruments for retail investors.
NPS Vatsalya offers a disciplined investment avenue that parents can use to create intergenerational wealth by contributing even small sums.
