Personal Finance

Fino Payments Bank becomes first to secure RBI nod for small finance bank conversion

Fino’s journey began in 2006 as a payments technology company and has played a pivotal role in India's financial inclusion initiatives. It has been actively involved in providing direct benefit transfer (DBT) services to beneficiaries under government schemes.

Fino, which is currently the only publicly listed payments bank in India, will now be able to offer a range of financial services beyond its existing business model.

Real estate: Should you pay rent when EMIs cost the same? Experts weigh in
Advance tax deadline nears: Third instalment for FY26 due December 15; who must pay now, who can skip
Gold may be poised for a bigger breakout in 2026 as bull run extends: Report

Investment

Gold has posted new highs for nine straight quarters, reflecting rising geopolitical risks, weakening global currencies, high debt burdens, and investors’ desire to diversify away from fiat systems.

Gold may be poised for a bigger breakout in 2026 as bull run extends: Report

The World Gold Council believes a combination of deeper economic stress, falling bond yields, and escalating geopolitical tension could push gold higher by 15–30%.

Gold outlook 2026: World Gold Council sees sideways trade but flags strong upside triggers

CoinDCX logged roughly Rs 51,333 crore in trades in FY2025, including about Rs 23,500 crore in the first half (+37% YoY).

Crypto SIPs up 623% in 2025; Indians hold 43% in Layer-1, 26.5% in BTC: Report

After silver’s explosive surge, how far can prices go — and what should investors expect now

The expert’s first rule is simple: never sell in an uptrend and never buy in a downtrend. Markets follow recognizable patterns, and a series of higher highs signals an uptrend — a phase where investors should hold, not exit.

Want to get rich by 2028? Expert explains what to buy, when to exit, and how to win as an investor

Alok Jain says financial security matters, but it can’t be the sole scorecard of a rich life. Instead, he urges investors to prioritise time, health, impact and meaningful connections.

Beyond gold returns: How investors are adopting a new formula for a truly rich life

Silver’s price performance in 2025 has been exceptional. The metal has nearly doubled in value in 11 months, surpassing gold’s 60% rise.

Silver set to soar to Rs 2 lakh/kg in 2025 amid tight stocks and heavy ETF buying: Report

Experts label the “middle-class trap” — a loop where incomes fall behind inflation, debt fuels lifestyle spending instead of asset building.

Why market doubled, salaries didn’t: Expert breaks down India’s deepening middle-class wealth crisis

Today, salaries grow at just 4–6%, inflation hovers around 6%, and urban homes cost nearly 20–30 times a yearly income. The numbers, Kaushik says, “simply don’t add up anymore.”

'Old money rules don’t work anymore': CA Nitin Kaushik’s viral post sparks nationwide discussion

A report from Augmont Bullion on November 28 noted that gold has once again attempted to break the $4,215–$4,240 resistance zone.

Gold prices rally toward record levels on Fed cut expectations and domestic buying

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Retirement Planning

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Insurance

With these two launches, LIC aims to serve both customers seeking market-linked savings and those wanting strong, guaranteed protection.

LIC introduces Protection Plus and Bima Kavach plans, outlining minimum sum assured and entry age details

Insurance Laws (Amendment) Bill: Centre to bring in 100% FDI, composite licences in biggest sector overhaul in years

Kotak Life Insurance's AUM crosses Rs 1 lakh crore

Should DINK couples buy term insurance, invest in NPS under new tax regime rules without old regime breaks?

With premiums for seniors climbing, what options ensure affordable, comprehensive family cover?

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Tax

Under advance tax, to avoid Section 234C interest, taxpayers must reassess liability after TDS and pay advance tax on time.

Advance tax deadline nears: Third instalment for FY26 due December 15; who must pay now, who can skip

Under Section 244A, refund interest is calculated from April 1 only if the return is filed on time.

Belated ITR filing deadline nears: Taxpayers can still claim refunds, but with key financial consequences

Up to 30 June 2025, tax authorities have completed 1,087 assessments and issued tax and penalty demands exceeding Rs 40,564 crore under the BMA.

Centre flags Rs 40,564 cr tax claims on offshore assets, says no estimate of black money outflow

One of the structural triggers was the late rollout of ITR forms this year.

Taxpayers face long refund delays: FY25 sees steep 38% drop in payouts, slow processing

Monetary gifts received on the occasion of marriage are tax-free, but gifts received on birthdays, anniversaries or festivals are taxable.

Gift gone wrong: How a tax-exempt Rs 1.3 crore family gift turned into a Rs 70 lakh tax shock

Anyone getting these alerts should recheck their ITR for missed disclosures and file a revised return if required.

Foreign income not in your ITR? Expect a sharp NUDGE from the taxman before December 31

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Personal Finance

Investment

Gold may be poised for a bigger breakout in 2026 as bull run extends: Report

Gold outlook 2026: World Gold Council sees sideways trade but flags strong upside triggers

Crypto SIPs up 623% in 2025; Indians hold 43% in Layer-1, 26.5% in BTC: Report

After silver’s explosive surge, how far can prices go — and what should investors expect now

Want to get rich by 2028? Expert explains what to buy, when to exit, and how to win as an investor

Beyond gold returns: How investors are adopting a new formula for a truly rich life

Silver set to soar to Rs 2 lakh/kg in 2025 amid tight stocks and heavy ETF buying: Report

Why market doubled, salaries didn’t: Expert breaks down India’s deepening middle-class wealth crisis

'Old money rules don’t work anymore': CA Nitin Kaushik’s viral post sparks nationwide discussion

Gold prices rally toward record levels on Fed cut expectations and domestic buying

Retirement Planning

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

EPS-95 pension hike: Is the government planning to raise the minimum pension amount?

‘₹3 cr dream is dead’: Financial advisor breaks down the harsh reality of retirement in India

Is FIRE even realistic for Indian professionals in present times, what can I do to make early retirement doable?

Why India’s middle class may retire broke: Advisor reveals brutal financial reality

'₹2.13 crore gain, ₹4,800 loss': Tax expert explains new labour law's impact on your salary

LIC introduces Protection Plus and Bima Kavach plans, outlining minimum sum assured and entry age details

Insurance Laws (Amendment) Bill: Centre to bring in 100% FDI, composite licences in biggest sector overhaul in years

Kotak Life Insurance's AUM crosses Rs 1 lakh crore

Should DINK couples buy term insurance, invest in NPS under new tax regime rules without old regime breaks?

With premiums for seniors climbing, what options ensure affordable, comprehensive family cover?

Tax

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