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basudha das
Basudha Das

Basudha Das

TVTN

basudha.das@aajtak.com

With over 16 years of experience in the newsroom, I am currently covering personal finance, banking, financial services, and insurance sector, bullion and metals, sports, and other trending topics. When not chasing interest rates and new-age investme...

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Taxation is a big factor weighing on EGR adoption. While exchange-based trading of EGRs is GST-free, converting an EGR into physical gold attracts 3% GST at the time of withdrawal.

Gold is booming, but EGRs aren’t: Why electronic gold receipts are struggling to attract investors despite market buzz

by Basudha Das |Sep 29, 2026

Gold remains a popular investment asset, but electronic gold receipts (EGRs) have struggled to generate similar investor interest despite being designed to offer exchange-traded ownership of physical ...

India's home-loan market has evolved, with improved access to financing and longer loan tenures making homeownership more accessible.

Historic! Home loans in India are now cheaper than the US -- What NRIs must know

by Basudha Das |Sep 26, 2026

For generations, costly home loans were the norm for India’s middle class, while cheaper borrowing was associated with Western economies. That equation has now flipped, with US 30-year home-loan rates...

Sanjiv Bajaj said certified advisers can assess a consumer’s needs, existing cover and liabilities to identify genuine insurance gaps.

Insurance distribution under IRDAI lens: Why certified advisers can help consumers choose wisely

by Basudha Das |Sep 25, 2026

IRDAI’s proposed curbs on insurance commissions and distribution expenses could change how insurers, banks, NBFCs and digital platforms sell policies. For consumers, the proposed changes also highligh...

Motilal Oswal expects lower distribution costs could improve insurer profitability, while noting that business volumes could face disruption in the near term.

Insurance commission caps: What happens to your policy when the seller earns less?

by Basudha Das |Sep 25, 2026

IRDAI’s proposed insurance commission caps could reshape how motor, health and life policies are sold, particularly by reducing upfront payouts to distributors. For policyholders, the bigger question ...

BCG’s report places India alongside Brazil and Colombia as examples of countries where instant-payment systems have achieved significant scale.

UPI processed 23.2 billion transactions in May: What India’s payments scale means for the world

by Basudha Das |Sep 24, 2026

India’s digital payments ecosystem is expanding at a scale that is increasingly attracting global attention, with UPI emerging as one of the world’s largest instant-payment systems. The growth also hi...

Commission limits would vary by insurance segment, distribution channel, product complexity and the effort involved in selling and servicing policies.

Insurance commissions may fall: What IRDAI’s new distribution rules mean for policyholders

by Basudha Das |Sep 24, 2026

IRDAI has proposed a new commission framework for insurance distributors, with payouts linked to the type, complexity and servicing requirements of policies. The changes could reduce distribution cost...

The IEA said 25 countries have announced new electrification policies since February 2026, while electrification technology sales have risen, especially in markets affected by Strait of Hormuz energy disruptions.

Hormuz shock accelerates the shift to electricity: Why countries are turning to electrification for energy security

by Basudha Das |Sep 24, 2026

The latest energy shock around the Strait of Hormuz is pushing countries to look beyond oil and gas and accelerate electrification to strengthen energy security. The IEA’s “Electrification: Special Re...

For kirana and FMCG businesses, the need for frequent restocking can make working-capital requirements particularly sensitive to festive demand.

FMCG, kirana, garments: Which MSME sectors are seeking the most festive credit?

by Basudha Das |Sep 23, 2026

Festive-season credit demand among MSMEs is shifting towards fast-moving consumer categories, with FMCG, kirana and ready-made garments expected to see the strongest growth in loan inquiries. FMCG and...

AI/ML, semiconductors, renewables, automotive and battery technologies are emerging as key skill areas attracting a premium amid rising demand for niche talent.

India salary hikes to stabilise at 8–12% in 2026: Which skills can fetch up to 30%?

by Basudha Das |Sep 23, 2026

India’s salary growth may be cooling, but the premium for scarce skills is rising. While average annual increments are expected at 8–12% in 2026, professionals with specialised expertise could secure ...

Not every expense following an accident is necessarily covered. Non-medical expenses, certain outpatient treatments and costs falling outside the policy’s scope may not be payable.

Building collapse in India: Will health insurance cover your hospital bills after an accident?

by Basudha Das |Sep 22, 2026

Building collapses can leave families facing sudden hospitalisation and steep medical bills alongside the trauma of the accident. Here’s what health insurance typically covers after accidental injurie...