Personal Finance Print
Financial planning: Five steps towards financial freedom
Discuss and take important actions such as paying debt, gaining control over spending, saving for children education, retirement, tax planning, early retirement, and the like.
Infosys Rating | Buy — A robust performance in the first quarter
The stock trades at a valuation of 17.4x FY20e EPS, and we retain it as our top pick. Maintain ‘BUY/SO’ with a revised target price of Rs 923 (Rs 880 earlier, 20x Q3FY21e EPS) as we roll over to Q
Do you know how to take a loan by pledging gold? This may help you
Sure, any home loan lender will consider your case for a home loan. However, if the fair market value (FMV) of the flat is higher than the sale price of Rs 30 lakh, you may still have to pay the stamp
Astral Poly Rating | Hold — Making hay while the sun shines
Growth in the adhesive segment is likely to be back-ended in FY20 due to the shift currently happening from a stockist model to a distribution-led model.
Stock corner: ‘Buy’ Shriram Transport Finance, company saw momentum loss in FY19
After nearly doubling in FY18, slippages were largely stable YoY at Rs 66 bn in FY19. However, there has been a sharp increase in bad debt write-offs in FY19 – up 60% YoY to Rs 23.4 bn.
Life insurance: High individual premium drives growth for private insurers
The company has increased focus on ULIPs in the past two years. Its ticket size in individual non-single segment was up moderately by 13% y-o-y/m-o-m.
Motor insurance: Now buy standalone own damage cover
Policyholders will have the option to renew the own damage component of a bundled cover on or after September 1, with the same insurer or different insurer, on an annual basis.
Health insurance: Six steps for managing healthcare costs
Your biggest weapon against rising healthcare costs is the various insurance plans created to cover them
Dream home: Why you should not shy away from a home loan
Before sanctioning a loan, a bank will verify that the property has a clear title, is free from encumbrances, technically sound and meets its valuation standards thus eliminating any chances of fraud
Gifts received from specific relatives are not taxable – check details
As per Section 10(4)(ii), interest income earned on NRE account is tax exempt if account holder is treated as a person resident outside India under Foreign Exchange Management Act (FEMA).
Investment tips: How portfolio choice can help you make money in volatile times
During market volatility, an investment portfolio constructed by optimising expected returns based on the level of market risk would be effective
Car insurance: Know which modification can lead to an increase in premium
Before making any critical changes in your car like upgrading the breaks and suspension of your car to improvise the car performance, it is important that you inform the insurer.
Investing in debt funds? Go for high credit quality portfolios
Equity funds are inherently more risky than debt funds, as is evident from the volatility that they have historically subjected investors to.
Mutual Funds: Now invest in CPSE ETF to save tax under Section 80C
Experts say with tax benefits like ELSS, CPSE ETFs will be attractive for individual investors for creating long-term wealth.
Budget 2019: Finance minister does a fine balance for individuals
Budget 2019 India: An additional Rs 1.5 lakh tax deduction on interest paid on purchase of a house costing up to Rs 45 lakh will benefit the middle-class
Budget 2019: Central govt employees to get tax benefit on NPS Tier II account deposits
Budget 2019 India: Deposits by government employees in Tier-II account will get Section 80C tax exemption.
Banks likely to show stable operating performance, earnings recovery in Q1
Positive outlook on ICICI Bank, SBI. Yes Bank to have the most challenging quarter while there will be focus on asset quality for IndusInd Bank and RBL Bank
Get income tax deduction on life insurance premium paid for adult children
While filing the Income Tax Return, in case the total tax payable is less than the total amount of TDS deducted, the difference can be claimed as refund.
How riders can make your life insurance cover more beneficial
These riders are nothing but additional covers such as term rider, accidental death and disability rider, waiver of premium rider, critical illness rider, etc., offering benefits beyond the convention
Mutual Funds: Six steps to reduce your investment risk
Higher risk does not necessarily mean higher potential reward, unless you know the tricks to mitigate the risk. Here are some strategies that can help you manage your mutual fund investment risk.
Budget 2019: Modi government must take these steps to check ‘growing medical expenses’
Budget 2019-20: In the next 10 years we would spend $372 billion for our healthcare according to an IBEF report published recently.
Want to invest for short term? These tips will help you
Typically, fixed income funds are not as volatile as equity funds, and the NAVs of such fixed-income funds (short duration funds) tend to move upwards steadily (except for longer duration funds which
Index funds: A good bet for risk-averse mutual fund investors
These funds are affordable and well-diversified, and they generate good returns over a period and sometimes outperform actively managed funds.
Budget 2019: Centre should raise limit for Children Education Allowance to benefit middle class income tax payers
Budget 2019-20: The limit should be raised from 100 per month to at least Rs 1,000 per child for maximum two children.
Why life insurers must focus on training agents
Rapid growth in new business requires agents to be trained and made productive irrespective of growth in the online or digital marketing.
Gold loan vs personal loan: Which one to opt for?
While gold loans are becoming a viable alternative to raise funds, look at the pluses and minuses before taking the plunge
Estate Planning: Ensure that your Will is registered
A petition needs to be filed through a lawyer before the District Judge or High Court for the grant of Probate.
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BUDGET 2019
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