Investment

While prepaying a home loan may seem like the fastest route to financial freedom, experts caution against draining all savings or ignoring investment opportunities.

Updated : Jul 15, 2025

Buying a Rs 50 lakh house at 23? Why closing the loan fast may not be your smartest move

Buying a Rs 50-lakh home at just 23 with Rs 11 lakh in savings and a Rs 4 lakh payout on the horizon may sound ambitious, but financial experts say it’s a smart move, if done right.

A full cash purchase would require at least ₹61–67 lakh in liquid net worth, depending on the city.

Updated : Jul 15, 2025

Tesla Model Y hits India but can you afford one? Here’s the salary you’ll actually need

In Delhi, the on-road price is ₹61.06 lakh, while in Mumbai it’s ₹61.07 lakh. Gurugram tops the list at ₹66.76 lakh, reflecting local taxes and charges.

Kamath likened short sellers to “janitors,” saying they play a vital role in “cleaning up all the garbage in the markets and making them more efficient.”

Updated : Jul 14, 2025

'Unless we make shorting of stocks easy...': Nithin Kamath slams India’s 'long only' market

Kamath pointed out that while derivatives like futures and options offer limited avenues for short selling, they cover only 224 stocks and come with high rollover costs due to monthly expiries.

Individually, these don’t seem like disasters. But over time, they chip away at your financial security

Updated : Jul 13, 2025

Beware of slow financial suicide: Why small money mistakes can wreck your future

The danger isn’t always the big, bold mistake. It’s the small, repeated choices that slowly drain your wealth. Financial health isn’t about luck—it’s about discipline, clarity, and knowing when to say no.

Updated : Jul 12, 2025

Gold prices may rise as US rate cuts loom, Emkay Wealth forecasts dollar-driven gains

Gold prices are set for a possible surge after recent consolidation, as US rate cuts come into view. Emkay Wealth Management believes a softer dollar and lower yields could propel the yellow metal higher. Yet, new US spending and stable bond yields pose challenges for bullish gold investors.

Instead of letting money sit idle in a savings account during this period, it can be temporarily invested in a liquid fund, which generally offers returns in the range of 5–6% per annum

Updated : Jul 12, 2025

Using credit cards + liquid funds: Can this smart strategy boost your savings returns?

More salaried individuals are shifting from passive savings to active cash management. A new strategy uses credit cards for spending while parking salaries in liquid funds to earn higher returns. But it’s not risk-free, and tax rules matter — here’s what experts say.

SGBs, issued by the RBI on behalf of the Government of India, are government securities denominated in grams of gold, designed as an alternative to holding physical gold.

Updated : Jul 12, 2025

RBI sets Rs 9,688 redemption price, delivering 99.67% return on Sovereign Gold Bonds

The Reserve Bank of India has set the redemption price for Sovereign Gold Bonds (SGBs), delivering a substantial 99.67% return. Premature redemptions due on July 14, 2025, will be valued at Rs 9,688 per unit, signalling robust gains for investors.

The tax exemption was originally applicable for investments made until March 31, 2024, later extended to March 31, 2025.

Updated : Jul 12, 2025

Centre extends tax exemption for Sovereign Wealth and Pension funds until 2030; check details

The Centre has formally extended tax exemptions for sovereign wealth funds (SWFs) and pension funds until 2030, reinforcing India’s position as an attractive destination for foreign investment and boosting prospects for infrastructure and emerging sectors.

Your credit score is just the start, lenders look at secrets your wallet might be hiding.

Updated : Jul 11, 2025

Even if you pay your bills on time, expert says lenders can check these financial red flags

Paying your bills on time isn’t enough to secure a loan approval anymore. Lenders are digging deeper into hidden financial habits that could decide whether your application gets a thumbs-up—or a rejection.

The Debt-to-Income Ratio (DTI) calculator helps you measure how much of your income goes toward monthly debt payments, revealing your financial stability and borrowing capacity.

Updated : Jul 11, 2025

‘If 40% of your salary is gone by the 5th…’: Expert warns on debt & monthly budget

Many Indians lose nearly half their salary to EMIs without realising the risk they’re taking. CA Abhishek Walia urges everyone to track their Debt-to-Income Ratio to avoid financial stress and debt traps.

Kerala couple dupes investors in multi-crore scam: Chit funds explained

Updated : Jul 11, 2025

Kerala couple flees after multi-crore chit fund scam in Bengaluru: What is chit fund?

According to complaints, the couple had been running the firm for around 25 years, and lured investors by offering returns of around 15 per cent.

Official data pegs education inflation at 4%, but families feel the pinch far more.

Updated : Jul 11, 2025

'Parents taking EMIs for nursery': Bengaluru dad’s ₹2 lakh shock echoes middle class pain

Singhal’s post struck a nerve. “30% fee hike. If this isn’t theft, what is?” he asked, capturing a growing sentiment among Indian parents struggling to keep up with mounting school costs.

CA Nitin Kaushik explained Rs 20 lakh salaries vanish fast in metros due to high rent, car EMIs, and daily expenses.

Updated : Jul 10, 2025

Middle-class dilemma: Is your lifestyle eating up your Rs 20 lakh salary? Expert unpacks urban woes

Earning Rs 20 lakh per annum may sound impressive, but India’s urban middle class is battling high living costs that leave little room for savings. Experts warn that rising expenses and lifestyle inflation are turning once-coveted salaries into a struggle for financial security.

The data reflects a growing trust in mutual funds, supported by continued inflows from foreign investors and an optimistic outlook on India's economic growth.

Updated : Jul 10, 2025

SIP inflows hit record high in June, check details

As of the end of June, the mutual fund industry's net assets under management stood at ₹74.40 lakh crore.

Passive funds have emerged as one of the fastest-growing mutual fund categories, with AUM market share in the Mutual Fund industry increasing steadily from approximately 7% in March 2020 to 17% in March 2025.

Updated : Jul 10, 2025

Want to create wealth in long term? Passive investing might be the answer

Passive investing aims to replicate the performance of broad-based market indices such as the Nifty 50, Nifty Midcap 150, Nifty Total Market, etc.

Kamath emphasized that while the pressure to drive revenue is real, platforms must choose long-term trust over short-term gains.

Updated : Jul 9, 2025

Nithin Kamath asks: How much can you really trust your favorite finance app?

Kamath shared a post that warned of the “casinofication” of investing, where apps mimic gambling platforms to drive activity. “More activity = more revenue is the strategy of the entire industry,” the post read.

Globally, younger investors, especially Gen Z, are leading this shift, having tripled their allocations to alternative assets over the past 12 months.

Updated : Jul 10, 2025

Half of rich global investors plan to invest in this asset over the next year: Study

Over the past 12 months, gold witnessed the highest increase in allocation, followed by alternative investments

Many couples stumble over skipped budgets, delayed investments, or clashing goals, risking financial strain and lost wealth.

Updated : Jul 9, 2025

Newlyweds’ query: Are Rs 5,000 SIPs and Rs 15L health cover sufficient for early retirement?

Weddings sparkle with joy, but life for newlyweds quickly turns to bills, budgets, and future dreams. Many newly married couples wonder if small SIPs and basic health insurance will pave the way to early freedom—or if that’s wishful thinking. Expert breaks it down.

Cut the middleman, avoid FDs: Akshat Shrivastava’s blunt tips on escaping India’s wealth trap

Updated : Jul 9, 2025

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Investment

Buying a Rs 50 lakh house at 23? Why closing the loan fast may not be your smartest move

Tesla Model Y hits India but can you afford one? Here’s the salary you’ll actually need

'Unless we make shorting of stocks easy...': Nithin Kamath slams India’s 'long only' market

Beware of slow financial suicide: Why small money mistakes can wreck your future

Gold prices may rise as US rate cuts loom, Emkay Wealth forecasts dollar-driven gains

Using credit cards + liquid funds: Can this smart strategy boost your savings returns?

RBI sets Rs 9,688 redemption price, delivering 99.67% return on Sovereign Gold Bonds

Centre extends tax exemption for Sovereign Wealth and Pension funds until 2030; check details

Even if you pay your bills on time, expert says lenders can check these financial red flags

‘If 40% of your salary is gone by the 5th…’: Expert warns on debt & monthly budget

Kerala couple flees after multi-crore chit fund scam in Bengaluru: What is chit fund?

'Parents taking EMIs for nursery': Bengaluru dad’s ₹2 lakh shock echoes middle class pain

Middle-class dilemma: Is your lifestyle eating up your Rs 20 lakh salary? Expert unpacks urban woes

SIP inflows hit record high in June, check details

Want to create wealth in long term? Passive investing might be the answer

Nithin Kamath asks: How much can you really trust your favorite finance app?

Half of rich global investors plan to invest in this asset over the next year: Study

Newlyweds’ query: Are Rs 5,000 SIPs and Rs 15L health cover sufficient for early retirement?

'If doing SIPs, you are not...': Finfluencer shares 5 hard truths on wealth-building as middle class

Buy a house early on or invest first? CA breaks down the best way to build assets

'Middle class drowning in lifestyle debt': 55% loans not for homes, warns finance expert

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