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    1. Business News
    2. Authors
    3. amitava.chakrabarty

    Amitava Chakrabarty

    Income Tax Return, ITR, income tax refund, refund status, ITR status, refund amount, tax deducted at source, TDS, tax-saving investments, investment declaration
    Waiting for income tax refund? Here is how to check the status of your ITR

    The tax department will start the refund process only after the ITR is verified and the refund amount will be…

    By Amitava Chakrabarty
    Updated: October 3, 2018 15:15 IST
    Employees Provident Fund, PF, EPFO, EPF, PF contributions, PF withdrawal, steps for PF withdrawal, income tax, retirement savings
    Withdraw PF online: It is possible; Here’s how to do it

    Before going for withdrawal, you should keep in mind that you are going to encash your retirement savings prematurely, which…

    By Amitava Chakrabarty
    September 28, 2018 17:51 IST
    India Post Payments Bank, IPPB, payment banks, postman, gramin dak sevak, GDS, Post Office Savings Account, unlimited withdrawal, HNI, doorstep services, doorstep banking services
    You don’t need to be an HNI to avail doorstep banking; Withdraw/deposit cash from home at just Rs 25!

    No problem if your parents or grand parents are not comfortable with smart phones. They may also get the services…

    By Amitava Chakrabarty
    Updated: September 28, 2018 13:48 IST
    mutual funds, MFs, fixed maturity plans, FMPs, MF FMPs, fixed deposits, FDs, income tax, interest income, capital gains, long-term capital gains, LTCG, tax benefits, indexation benefits, indexed cost of acquisition, cost inflation index, equity funds, debt funds, equity MFs, debt mutual funds, return on investments
    Will these open MF FMPs give better returns than FDs? Here is the answer

    As the tenure and maturity values of the instruments constituting a fixed maturity plan are predetermined, like fixed deposits (FDs),…

    By Amitava Chakrabarty
    September 27, 2018 18:37 IST
    small savings schemes, PPF, SSY, Public Provident Fund, Sukanya Samriddhi Yojana, Kisan Vikas Patra, KVP, National Savings Certificates, NSC, Post Office deposits, 80C, income tax, investment limits, crorepati, banks
    Small savings schemes can make you a crorepati in a safe way; Here’s how

    Most small savings schemes have an upper ceiling on the amount of maximum investments as the government not only gives…

    By Amitava Chakrabarty
    Updated: September 27, 2018 14:50 IST
    debit card, credit card, ATM card, virtual debit card, ATM-cum-debit card, cash on delivery, Net banking, mobile wallets, online shopping, online sales, online transactions, flipkart sales, Amazon sales, Paytm
    Just junk that ‘risky’ debit card; you may still withdraw money, shop online

    Once the money is wiped out of your bank, it will be your duty to prove that you are not…

    By Amitava Chakrabarty
    Updated: September 28, 2018 15:51 IST
    Sukanya Samridhhi Yojana, SSY, small savings scheme, post office deposits, Sukanya Samridhhi account, Sukanya Samridhhi Yojana account, girl child, investments, daughter's marriage, child education, interest rate hike
    Your daughter may get Rs 75 lakh at new rate: Know some little known facts about Sukanya Samridhhi Yojana

    If a default account is not regularised withing 15 years, the entire deposit will attract the interest rate applicable to…

    By Amitava Chakrabarty
    Updated: September 28, 2018 11:30 IST
    Ayushman Bharat, health insurance, Rs 5 lakh health cover, PM Jan Arogya Yojana, PMJAY, Modicare, cashless treatment, free health insurance, network hospitals, Narendra Modi, insurance for poor, Socio-Economic Caste Census (SECC) 2011, medical treatment, surgery
    Ayushman Bharat: Who will get Rs 5 lakh health cover under PM Jan Arogya Yojana and what will be covered

    It is believed to be the world’s biggest health insurance scheme which would benefit over 50 crore Indians. So far,…

    By Amitava Chakrabarty
    Updated: September 25, 2018 13:47 IST
    NPS, National Pension System, New Pension Scheme, pension, retirement, pension plan, retirement income, salary, government job, governemnt service, government pension, investment plan, retirement planning, income tax benefits, section 80CCD, section 80C, section 80D, government employees, private sector, inflation, tax savings, tax benefits
    Are you a risk taker or risk averse? This investment plan is everybody’s cup of tea

    A wide range of options to choose equity exposure, apart from low expense ratio and tight control over funds, have…

    By Amitava Chakrabarty
    September 24, 2018 17:51 IST
    pension, pension planning, retirement, retired life, APY, Atal Pension Yojana, pension income, guaranteed pension, government of India, government guarantee, monthly pension, government contribution
    Atal Pension Yojana gives you guaranteed pension, but is it sufficient for you?

    Any person from 18 to 40 years of age who has a bank account may take this plan to get…

    By Amitava Chakrabarty
    September 23, 2018 11:54 IST
    Kisan Vikas Patra, National Savings Certificate, KVP, NSC, small savings, small savings schemes, Post Office schemes, tax saving investments, income tax, income tax saving, ITR, income tax return filing, ITR filing, interest rates, rate hikes
    KVP vs NSC: Rate hike makes these attractive; Which one suits you more?

    Kisan Vikas Patra and National Savings Certificate are fixed income investment schemes, in which you may invest at any post…

    By Amitava Chakrabarty
    Updated: October 3, 2018 12:49 IST
    pension, pensionable salary, governemnt jobs, private jobs, private sector jobs, provident fund, PF, PF contributions, employees’ pension scheme, EPS, retired life, retirement income, annuity, EPFO
    Working in private sector? You may also get pension; Know how

    People working in private organisations and making PF contributions are eligible for pension under the Employees’ Pension Scheme (EPS) on…

    By Amitava Chakrabarty
    September 21, 2018 12:14 IST
    Hawkins Cookers Ltd, fixed deposits, Hawkins Cookers fixed deposits, Hawkins FDs, company deposits, FDs, interest rates, high interest rates, Hawkins Cookers FD
    Hawkins Cookers FD: High return, decent credit rating make it attractive, but should you go for it?

    Hawkins Cookers Ltd offers [ICRA] MAA (Stable) rated fixed deposits with 10.75 per cent per annum interest rate on 36-month…

    By Amitava Chakrabarty
    Updated: September 19, 2018 16:17 IST
    fixed deposits, FDs, interest rates, time deposits, Post Office, India Post Payment Bank, IPPB, Post Office time deposits, Post Office Senior Citizen Savings Scheme, Post Office SCSS, FD interest, State Bank of India, SBI, HDFC Bank, ICICI Bank, Pradhan Mantri Vaya Vandana Yojana, LIC, Life Insurance Corporation of India, LIC of India, senior citizens
    Post Office FD interest rate Vs Time deposit rates of SBI, HDFC, ICICI Bank: Which is more suitable for you?

    Especially for senior citizens, after the increase in exemption limit on FDs to Rs 50,000 from the current year, such…

    By Amitava Chakrabarty
    Updated: September 19, 2018 12:19 IST
    MFs, mutual funds, equity funds, debt funds, equity mutual funds, debt mutual funds, bond funds, equity MFs, debt MFs, interest rate, RBI, Reserve Bank of India, economic cycle, net asset value, NAV, financial advisor, individual financial advisors, IFAs, stocks, market risks, mutual funds sahi hai, direct plans, regular plans, upar ki kamai, direct mutual funds
    How safe are your low-risk debt mutual funds?

    If the NAV of your debt fund turns negative, you may have to wait for much longer than an equity…

    By Amitava Chakrabarty
    Updated: September 18, 2018 13:24 IST
    LIC Jeevan Shanti Vs Jeevan Akshay Vs Jeevan Nidhi Vs Jeevan Umang: Which is the most suitable pension policy for you?

    With the NPS money started gushing in after the change of pension policy of the Central and sate governments in…

    By Amitava Chakrabarty
    Updated: September 17, 2018 15:55 IST
    Insurance, health insurance plans, health insurance policy, CGHS, life long renewal, group insurance, corporate health cover, medical insurance, government employees, private sector, private hospital, surgery, brain surgery, hospitalisation, income tax benefits, 80D, 80C
    Relying only on group health insurance? Here’s why personal cover is a must

    Unlike a corporate policy, which you can avail till you are working in the organisation, your own health insurance policy…

    By Amitava Chakrabarty
    Updated: November 16, 2018 16:55 IST
    5 little known facts about ULIPs which you need to know

    Before going for a ULIP plan, a prospective investor should study the plan carefully.

    By Amitava Chakrabarty
    Updated: September 13, 2018 12:24 IST
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