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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 investment tools, I like to follow and cover climate change trends and environment-friendly initiatives across the world. When not at work, I spend time learning Bharatnatyam from my guru, and baking from my daughter.

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anara Robeco Infrastructure Fund invests 80–100% of its portfolio in infrastructure-related equities, with the flexibility to allocate up to 20% to debt and money market instruments.

Canara Robeco Infrastructure Fund delivers Rs 1.61 lakh on Rs 10,000 investment in 20 years; should you invest

by Basudha Das |Dec 12, 2025

As of November 28, the fund managed Rs 916.58 crore in assets. The Regular Plan – Growth Option recorded 1-year, 3-year and 5-year CAGRs of 1.32%, 24.29% and 28.96%, respectively. In comparison, the s...

Under the Income Tax Act, 1961, reporting foreign assets is mandatory for individuals classified as Resident and Ordinarily Resident (ROR).

Foreign asset schedules missing in revised ITR after filing ITR-1/4? I-T dept explains solution

by Basudha Das |Dec 11, 2025

Many taxpayers revising their Income Tax Returns this year are hitting an unexpected snag. Details of foreign assets or overseas income simply aren’t showing up in their revised forms. The tax depar...

Bond investing means lending money to governments, PSUs, or companies for a fixed period in return for periodic interest and repayment of principal at maturity.

Fixed deposit yields dip after RBI repo rate cut - should investors go for bonds despite hidden risks?

by Basudha Das |Dec 11, 2025

In the low-rate era, bonds bridge FD gaps without equity volatility. Retail investors are increasingly shifting toward bonds, and experts say there are two major drivers behind this trend - a steady m...

According to experts, employers will need to rebalance salary break-ups, especially for employees who currently draw large allowances or flexible components.

Labour codes 2025: How your wage structure will change now - check impact on salary structure, PF, tax

by Basudha Das |Dec 9, 2025

Under the new framework, wages, comprising basic pay, dearness allowance (DA) and retaining allowance, must account for at least 50% of total remuneration.

Under the labour codes, if allowances exceed 50% of total pay, the extra portion must be added back to “wages” for statutory deductions.

Govt ends confusion: New Labour Codes won’t cut your take-home pay if PF stays on Rs 15,000 ceiling

by Basudha Das |Dec 11, 2025

The Labour Ministry has confirmed that employees whose PF is calculated on the Rs 15,000 statutory wage ceiling will see no reduction in take-home pay. Any PF contribution beyond this limit remains vo...

Silver, which was Rs 85,851 per kg on December 31 last year, touched Rs 1,78,861 per kg on December 9.

Silver prices hit record highs as demand from EVs, solar, data centres rises; what lies ahead in 2026

by Basudha Das |Dec 10, 2025

Silver has doubled in 2025, rocketing from $50 to $61 per ounce — and from Rs 1,58,000 to Rs 1,90,000 per kg — in barely 12 trading sessions. Experts said as the metal heads into 2026, its fundamental...

PPF and ELSS are super popular when it comes to saving on taxes. PPF gives you assured returns plus tax-free interest, while ELSS lets your money grow with the market.

Tax deduction: Can one claim Section 80C exemption on PPF, ELSS investments done in spouse's name?

by Basudha Das |Dec 10, 2025

Many people max out their Section 80C limit — but a major doubt keeps coming up every tax season. If you invest in PPF or ELSS in your spouse’s name, can you still claim the deduction? The answer isn’...

Under SEBI’s rules, aggressive hybrid funds must allocate 65–80% to equities and 20–35% to debt, giving them enough equity exposure to participate in rallies while maintaining a cushion during corrections.

Mutual fund 2026: How should I start investing in hybrid mutual funds in 2026, I have an all-equity portfolio right now?

by Basudha Das |Dec 9, 2025

Hybrid funds are widely seen as low-risk options, but they aren’t completely risk-free. In many cases, investors pay equity-level expenses even though a significant share of the portfolio sits in lowe...

At present, major banks such as HDFC Bank, ICICI Bank, SBI, Bank of Baroda and Canara Bank are offering home loans at starting rates between 7.3 percent and 7.9 percent.

RBI repo rate cut: Home loan EMIs set to fall as RBI slashes rate by 25 bps to 5.25% on December 5

by Basudha Das |Dec 5, 2025

As per experts' estimates, the rate cut on December 5 can see a reduction of about Rs 1,850 in the EMI on a 20-year Rs 35 lakh home loan.

For NRIs, selecting NRE or NRO for mutual fund investments depends on fund origin, repatriation goals and taxes.

NRIs weigh NRE vs NRO accounts as mutual fund flows rise: Experts outline tax, repatriation advantages

by Basudha Das |Dec 2, 2025

NRE accounts offer full repatriability of principal and interest, with potential tax exemption under Section 10(4), making them ideal for NRIs seeking flexibility and minimal tax liability. In contras...