Personal Finance

PAN–Aadhaar linking deadline on December 31, 2025: Check linking steps, late fee & what happens next

The PAN–Aadhaar linkage has been made compulsory to strengthen identity verification within the tax system. By linking the two unique identifiers, the government aims to eliminate duplicate PANs, reduce tax evasion, and improve the accuracy of financial records.

Currently, a fee of Rs 1,000 is applicable for linking PAN with Aadhaar. While the amount may seem modest, the larger concern is that an unlinked PAN can become inoperative.

Gold prices ease from record highs: Is the latest dip a buying opportunity for investors?
Want exposure to Apple, Nvidia & Microsoft? Here's how US-focused ETF suits long-term Indian investors
Drop in aggregate savings and household savings matter of concern, says new report

Investment

Gold prices ease from record highs: Is the latest dip a buying opportunity for investors?

Global exchange-traded funds (ETFs) are a simple and effective gateway to international equities.

Want exposure to Apple, Nvidia & Microsoft? Here's how US-focused ETF suits long-term Indian investors

According to Ritesh Jain, co-founder at Pinetree Macro, a hedge fund based in Canada, sustained pressure on deposit returns has historically pushed savers out of the banking system and into hard assets, particularly gold.

From deposits to gold: How falling FD yields are rewiring India’s savings story

The formula to create wealth remains simple and accessible: Consistency × Patience × Simplicity — a path that anyone can begin today, regardless of income level.

No fancy job, no stocks: How steady discipline built ₹55 lakh wealth for a Surat man

While BIS hallmarking improved consumer protection, loopholes like fake stamps led to the rollout of HUID—a six-digit alphanumeric code now mandatory on hallmarked jewellery.

How Technology Is Helping Ensure the Purity and Safety of Gold

The Whole Picture on Annuities: Creating a strong foundation for retirement planning

Post Office Time Deposits offer up to 7.5% on five-year terms, while most state-owned banks provide lower FD rates of around 6–6.5%.

Can I invest in Post Office Time Deposit and how are these schemes different from bank FDs?

Over the next five years, LP capital is expected to flow most aggressively into energy transition infrastructure, electric mobility and financing, battery storage.

Why climate-focused AIFs are drawing serious LP money beyond ESG mandates

Silver is on course for its strongest annual performance since 1979, supported by a broad rally across precious metals.

Silver powers ahead gold, platinum in bullion rally; $80–$90 next test, $100 seen early in 2026

Medicines related to blood pressure and diabetes accounted for an overwhelming 93% of chronic-care orders, underlining the scale of long-term health conditions across Indian households.

Vitamins over medicines: Preventive healthcare takes centre stage as India’s health behaviour transforms in 2025

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Retirement Planning

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Insurance

Insurers cover wedding cancellation or postponement due to venue damage, vendor failure, disasters, or family emergencies.

Your daughter’s big day: Why wedding insurance deserves a look amid rising costs, risks

Health insurance: Do I really need a separate health cover at 18 if I’m covered under my parents’ policy?

Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill passed in Parliament; key details here

Sabka Bima Sabki Raksha Bill 2025: Finance Minister Sitharaman tables landmark insurance reforms in Lok Sabha

Cabinet clears Insurance Amendment Bill, may be introduced in Parliament on Monday

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Tax

The restructuring of salary components to comply with the 50% wage threshold is likely to result in a higher proportion of taxable salary.

Labour codes 2025: How 50% wage rule would alter salaries, tax outgo, retirement savings

Tax advisory platform TaxBuddy explained that taxpayers can save anywhere between Rs 30,000 and over Rs 1.2 lakh in taxes every year, depending on their income slab.

Taxes in 2026: Paying rent to parents to claim HRA is legal; here’s how to save up to Rs 1.2 lakh

Delayed GSTR-9 filing invites a late fee of Rs 200 per day, Rs 100 each under CGST and SGST, subject to a maximum cap of 0.5% of the taxpayer’s turnover.

‘Nobody talks about GSTR-9 till a notice hits’: CA flags risks for overlooking GSTR-9 filing

A revised or belated return must be filed by December 31 of the relevant assessment year, or before the tax authorities complete the assessment, whichever comes first. Missing this deadline closes the regular route for corrections.

Income Tax Return: Revised ITR vs belated ITR? What taxpayers should note before December 31

Taxpayers holding foreign assets or income must pick an ITR form featuring Schedule FA (Foreign Assets). ITR-1 and ITR-4 lack this essential section. Suitable forms are ITR-2 and ITR-3.

Foreign assets disclosure: What taxpayers must report in Schedule FA in revised ITR before Dec 31

Taxpayers should verify donation claims by checking recipient eligibility, PAN details, approved payment modes, and supporting documents.

'Launch of NUDGE campaign to encourage taxpayers to voluntarily review deduction claims': CBDT

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Motilal Oswal Large and Midcap Fund vs Bandhan Core Equity Fund vs HDFC Large and Mid Cap Fund: Mutual funds returns, AUM, NAV and more

Want a personal loan? Beware of illegal Chinese digital lending apps, Check these 6 tips by Money Today on how to steer clear of such apps

How can you improve your CIBIL credit score? Check out valuable tips from Money Today

HDFC Multi Cap Fund vs Kotak Multicap Fund vs Nippon India Multi Cap Fund: These multi-asset funds gave more than 16% in one year

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Personal Finance

Investment

Gold prices ease from record highs: Is the latest dip a buying opportunity for investors?

Want exposure to Apple, Nvidia & Microsoft? Here's how US-focused ETF suits long-term Indian investors

From deposits to gold: How falling FD yields are rewiring India’s savings story

No fancy job, no stocks: How steady discipline built ₹55 lakh wealth for a Surat man

How Technology Is Helping Ensure the Purity and Safety of Gold

The Whole Picture on Annuities: Creating a strong foundation for retirement planning

Can I invest in Post Office Time Deposit and how are these schemes different from bank FDs?

Why climate-focused AIFs are drawing serious LP money beyond ESG mandates

Silver powers ahead gold, platinum in bullion rally; $80–$90 next test, $100 seen early in 2026

Vitamins over medicines: Preventive healthcare takes centre stage as India’s health behaviour transforms in 2025

Retirement Planning

PFRDA eases NPS exit rules for non-government subscribers, lowers mandatory annuity to 20%

NPS exit rules changed: Non-govt subscribers can now withdraw up to 80% of retirement corpus

How PFRDA's nod to gold, silver ETFs will alter retirement investment playbook - expert explains

Retirement dreams vs reality: How much you really need to save for Rs 50 lakh/year? CA explains investment plan

NPS gets makeover: Gold, silver ETFs, AIFs, new bonds added to investment menu

NRIs and OCIs can now complete NPS KYC remotely as India eases onboarding requirements; check details

Your daughter’s big day: Why wedding insurance deserves a look amid rising costs, risks

Health insurance: Do I really need a separate health cover at 18 if I’m covered under my parents’ policy?

Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill passed in Parliament; key details here

Sabka Bima Sabki Raksha Bill 2025: Finance Minister Sitharaman tables landmark insurance reforms in Lok Sabha

Cabinet clears Insurance Amendment Bill, may be introduced in Parliament on Monday

Tax

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Real Estate

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Improving the realty class

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