Sanjeev Sinha

Sanjeev Sinha is Editor, Personal Finance at Financial Express Online. He has more than 20 years of experience with some of the top Indian media

organisations. He has covered a wide variety of subjects such as politics, taxation, wealth management, brands, marketing, management and real estate. An avid reader of crime fiction, Sanjeev spends his free time watching action movies and listening to classical music.
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Articles By Sanjeev Sinha

766 Articles

4 ways to increase your personal loan eligibility amid the Covid crisis

While a loan applicant can do very little on the income, job and employer fronts, he can certainly take some steps on the credit score and EMI affordability fronts to improve his loan eligibility.

personal loan, personal loan eligibility, Covid crisis, cibil score, credit score, personal loan eligibility calculator, EMI affordability, co-applicant

Withdrawing cash and not filing ITR? Now pay TDS on cash withdrawals above Rs 20 lakh

CBDT said the data on cash withdrawal indicated that a huge amount of cash is being withdrawn by the persons who have never filed ITRs.

income tax return, ITR, TDS, banks, post office, CBDT, income tax department, CBDT provides new utility to banks, post offices, TDS on cash withdrawals

Bajaj Allianz General Insurance launches Corona Kavach Policy – Check sum insured, premium, other details

Bajaj Allianz General Insurance today launched its 'Corona Kavach Policy' – which is its standard Covid-19 health indemnity policy, introduced as per the IRDAI guidelines issued on June 26, 2020.

health insurance, Bajaj Allianz General Insurance, Corona Kavach Policy, sum insured, premium, other details, IRDAI

Sovereign Gold Bonds (Series IV): Should you invest in SGB when gold prices are at all-time high?

If you are planning to invest in Sovereign Gold Bonds, then you need to hurry up as the 2020-21 Series IV of the Sovereign Gold Bonds (SGB) scheme is going to close for subscription today.

gold, gold bond, Sovereign Gold Bonds, SGB, Sovereign Gold Bonds 2020-21 Series IV, should you invest in gold bond, gold ETFs, gold mutual funds

5,500 housing units get delivered in top 7 cities as lockdown eases

Delivery of projects during the prevailing challenges sends out a positive signal and helps regain homebuyers’ trust given that the government had extended the delivery timelines by at least six months for developers.

real estate, housing units, delivery of projects, 5,500 housing units delivered, top 7 cities, lockdown, Anarock, M3M, Gurgaon

Buying a used car on loan in times of Covid-19? Check the latest interest rates of top banks

If you are planning to buy a pre-owned car on a loan, here are the latest interest rates offered by some of the top banks in the country.

car loan, used car loan, used car loan interest rates, Pre-owned car loan interest rates, SBI, HDFC Bank, ICICI, Axis Bank, PNB, BoI, Top Banks, this week,

Equity mutual fund inflows dip 96% in June triggered by profit booking, absence of fresh flows

Industry experts believe this fall in equity MF inflow is a short-term trend and will reverse itself over the next quarter.

mutual fund, mutual fund investment, Equity mutual fund inflows, dip in June, profit booking, absence of fresh flows, AMFI,

Home loan interest rates fall below 7%: From SBI to HDFC, check out where you can get the best deal

Industry experts are advising homebuyers to take a home loan now as perhaps they won't be able to get a better deal going ahead.

home loan, Home loan interest rates, home loan rates fall below 7%, SBI, HDFC Bank, UBI, BoB, Bank of India, latest home loan interest rates, credit score

Structural reforms, greater transparency lead to higher capital flows into real estate

The reforms and measures introduced by the government have aided to re-instill the investor confidence and thus played a vital role in attracting higher capital flows into the sector.

real estate, real estate in India, Structural reforms, greater transparency, higher capital flows, JLL’s Global Real Estate Transparency Index 2020

Looking for a loan against your car? Eligibility, documents, interest rates, charges – All you wanted to know

If you’re going through a cash-crunch and are looking for a loan, then taking a loan against your car could be a slightly cheaper alternative.

car loan, loan against car, loan against car interest rate, loan against car SBI, loan against car HDFC, Eligibility, interest rates, documents, charges

India REITs outperform BSE Realty Index, give 14% returns since inception

REITs, in fact, were introduced in India only recently, and currently focus only on commercial offices. However, their market opportunity is still significant in India and also remains largely untapped.

India REITs outperform BSE Realty Index, reit, BSE Realty Index, real estate in India, commercial space, residential rental housing market

Sovereign Gold Bond (Series IV) issue price fixed at Rs 4,852 per gram

The gold bonds will be opened for subscription between July 6 and July 10, 2020 with settlement date being July 14, 2020.

gold rate, gold bond, gold price, gold as an investment, Sovereign Gold Bond, Sovereign Gold Bond Scheme 2020-21 (Series IV), invest in gold, issue price fixed at Rs 4,852 per gram, subscription, government, RBI

How workplaces in India will change in post Covid-19 world

The post-Covid world isn’t simply about measures that focus on employee wellness. It’s also about efficiency, speed, and cost-effectiveness.

real estate, workplaces, workplaces in India, impact of Covid-19 on workplace, Workplace Design Changes, technology, Human Experience, Innovations in technology, wellness, sustainability

5 best options to invest in gold in times of Covid-19

With contracting global output, global economies in a deeper recession than anticipated, and dearth of good returns in many other asset classes, gold has emerged as a safe bet for investors across the globe.

Gold Investment in India: Is this the right time to buy or invest in gold?

Market experts believe that for Indians, there is no right or wrong time to purchase or invest in gold as the consumption of gold here is need-based rather than investment-based.

Gold, Gold Investment in India, Is this right time to invest in gold, gold buying, gold investing, gold prices, ETF Fund, Coronavirus pandemic, lockdown, MCX gold prices

SBI Vs PNB Vs BoI Vs UCO Bank: Top 10 government banks with highest FD rates this week

Despite the lowering of FD interest rates following a spate of cuts in the repo rate by the RBI in recent months, these timed deposits still continue to remain one of the most favourite investment instruments in the country.

fixed deposit, FD, SBI, PNB, Bank of India, UCO Bank, Top 10 government banks, highest FD rates this week, top FD rates, latest FD rates, bank of baroda, canara bank

EMI Moratorium: Opting for home loan moratorium? How will this impact your tax benefits?

As home loan repayment is eligible for tax deductions, can opting for a home loan moratorium affect one's tax benefits?

Home loan interst rate, Ready-to-move apartment, pmay, real estate, government subsidy,

Best time to buy a house for end use, say realtors

Industry experts feel that this is the right time to buy a house because buyers are likely to get better deals and prices may go up in the near future.

real estate, real estate in India, Covid-19, Best time to buy house, realtors, residential real estate

Irregular cash flows, flexibility in tenure make Bharat rely on informal mechanisms for saving money: Survey

Being reluctant to use formal mechanisms due to irregular cash flows and facing lack of accessibility and tech-savviness, a majority of low-income group people rely on informal mechanisms for saving money for their future nee

save, invest, saving money, Irregular cash flows, flexibility in tenure, Bharat, informal mechanisms, Survey, India Savings Behaviour, chit funds

Taxpayer Alert! 5 changes in income tax, personal finance rules effective from July 1

In view of the Covid-19 crisis, Finance Minister Nirmala Sitharaman in March this year had announced a number of relief measures for taxpayers and the common man, including the waiver of ATM withdrawal charges and relaxation

The income tax department has issued tax refunds at a speed of 76 cases per minute from April 8 to June 30, 2020.

Exempt allowances for salaried taxpayers in New Tax Regime: Here’s all you need to know

The Concessional Tax Rate regime permits the CBDT to notify the allowances which shall continue to be exempt in the hands of the salaried taxpayers opting for CTR.

tax benefit post office schemes, tax exemption post office schemes, tax rebate post office schemes, PPF, NSC, SSY, SCSS

Covid-19 Impact: Housing sales, new launches drop to a new low in Q2 2020

Apart from new launches and sales, unsold inventory also registered a marginal decline of 2% in H1 2020 compared to H2 2019. Sales continued to exceed new launches, resulting in unsold inventory reduction.

Mumbai, Delhi, Jaipur property prices, HPI, House Price Index, real estate, homebuyers, rbi,

Tier-II cities may be new destination for homebuyers in post-Covid world: Ashish Sarin

In an exclusive interview, Ashish Sarin, CEO, AlphaCorp talks about the impact of the Covid-19 pandemic on real estate and shares his business outlook.

real estate, exclusive interview, Ashish Sarin, AlphaCorp, impact of Covid-19, real estate in India, homebuyers, residential units, commercial real estate, tier-II cities,

Is it right time to invest in mutual funds? Which funds to choose for better returns? Find out

Mutual funds have been a preferred source of investment for passive as well as novice investors, especially through the well-established systematic investment plan (SIP) route. However, are they good for investment now?

Average asset under management (AAUM) of the industry, comprising 45 players, stood at Rs 24.82 lakh crore in April-June quarter 2020 as compared to Rs 27 lakh crore in the preceding quarter, according to a data by Association of Mutual Funds in India (Amfi).

Good news for taxpayers! CBDT exempts certain allowances in New Tax Regime

In a bid to give further relief to taxpayaers, the CBDT has notified that a salaried employee who opts for the new income tax regime can claim certain exempt allowances.

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Walk from Home: A new trend in commercial real estate business

Satellite offices across locations help people to work near home that saves on travel time and ensures safety and productivity of the workforce.

real estate, real estate in india, Walk from Home, new trend, commercial real estate, work near home

HDFC Bank, SBI, ICICI to PNB: Top 10 banks with lowest home loan interest rates this week compared

If you’re planning to buy a home with the help of a loan, this could actually be a good time to do so owing to the low interest rates that are currently being offered.

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Income Tax Calculator, Budget 2019, How to Calculate Income Tax


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