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In 2015, the Indian government initiated the Sovereign Gold Bonds (SGBs) scheme with the aim of promoting an alternative form of gold investment.
Updated : Apr 01, 2025

'If govt imposes 100% income tax on Sovereign Gold Bond...': Financial expert on SGB redemption   

In a recent written reply to parliament, the government declared that the government would need to pay a total of Rs 67,322 crore to redeem all outstanding sovereign gold bonds (SGBs) as of April 1, 2025, based on the current gold price of Rs 9,284/gram. 

As of late February 2025, the HDFC Flexi Cap Fund's investment portfolio allocated 88.37% to equity, 7.88% to cash and cash equivalents, 2.95% to real estate, and 0.8% to debt.
Updated : Apr 01, 2025

Flexi cap Mutual Fund: This fund grew Rs 700 SIP to Rs 1.36 crore in 30 years; check investment details 

HDFC Flexi Cap Fund, with assets worth Rs 64,124 crore, offers an annualised return of 21.05% since launch, outperforming the NIFTY 500 TRI benchmark.

While PPF scores high on safety and tax benefits, mutual fund SIPs offer the potential for significantly higher returns.
Updated : Apr 01, 2025

Mutual Fund SIP vs PPF: What Rs 1.5 lakh annual investment will yield in 15 years; check the calculations

When comparing PPF (Public Provident Fund) and flexi cap mutual funds, the key difference lies in risk and return potential. PPF is a government-backed savings scheme. Flexi cap mutual funds invest across large-, mid-, and small-cap stocks, offering diversified exposure to equity markets.

It is recommended to gradually increase your SIP amount annually in alignment with the growth of your income when investing for long-term goals like retirement.
Updated : Apr 01, 2025

Can Rs 50,000 investment a month at present secure my retirement in 15 Years?

By investing in a Systematic Investment Plan (SIP) of Rs 50,000 each month for the next 15 years, you could potentially grow your retirement corpus to between Rs 3.2 and 3.5 crores

“There is no better time to be asset class diversified. People who don't see this: will learn a very harsh lesson in the next few years.”
Updated : Apr 01, 2025

'Look where govt will make money next...': Finfluencer's rule to get rich in India

He believes tokenized real estate is next. “Government will make this asset class tradable. The more you trade, the more money the government will make on taxes,” he said, pointing to the recent removal of indexation benefits as an early sign.

The interest rate for Public Provident Fund (PPF) is 7.1% for the April-June quarter.
Updated : Apr 01, 2025

New financial year: Why investing in PPF before April 5 of this year can be beneficial; check details

Based on the PPF scheme guidelines, the interest in the PPF account is determined by the minimum balance in the account between the 5th of each month and the end of the month. To maximise earnings, investors should make a lumpsum payment before April 5 for the financial year.

In another major shift, EPFO is set to integrate the Unified Payments Interface (UPI) into its withdrawal system.
Updated : Mar 31, 2025

EPFO to raise auto claim limit to ₹5 lakh, bringing faster PF access for 7.5 crore members: Report

EPFO logged a record 2.16 crore auto-claim settlements this financial year (as of March 6, 2025), a massive leap from 89.52 lakh in 2023–24. Rejection rates, too, have fallen sharply — from 50 percent to 30 percent.

Despite its effect on the trade deficit, gold’s role in household portfolios remains unshaken.
Updated : Mar 30, 2025

‘$750 billion in just 1 year...’: India’s gold stash fuels massive household wealth gain, beats global central banks

From heirloom jewellery to emergency savings, families across the country hold nearly 25,000 tonnes of gold, making Indian households the largest private owners of gold in the world.

A recent report by ICICI Bank Global Markets suggests that gold prices may reach between Rs 87,000 and Rs 90,000 per 10 grams in the first half of 2025.
Updated : Mar 29, 2025

Planning to invest in Gold? Here's how Gold ETFs compare to physical gold

Gold ETFs offer convenience and liquidity, while physical gold remains a traditional favourite. Explore their comparative returns and investor preferences.

The market's recent behaviour has challenged midcap funds, especially after a 7.5% decrease in SIP investments in the Nifty Midcap 150 during the downturn.
Updated : Mar 29, 2025

Are midcap funds worth the risk in choppy markets? Experts say stick to SIPs, diversifying a bit

The Indian midcap mutual fund segment, recently subjected to considerable market volatility, continued to attract consistent inflows through systematic investment plans (SIPs).

Under the Income Tax Act, 1961, POSAs offer a tax exemption on interest income under Section 10(15)(i), which is applicable under the new tax regime.
Updated : Mar 29, 2025

Post Office Savings Accounts: These accounts can be beneficial if one opts for New Tax Regime; check details

Post Office Savings Accounts (POSA) provide tax exemptions under the new tax regime, with unique advantages over conventional bank savings accounts, especially for senior citizens.

Tax-saving FDs, offered by many prominent Indian banks, present a low-risk investment avenue with interest rates between 2% and 8%.
Updated : Mar 29, 2025

Tax saving for FY25: Tax-Saving FDs offered by banks vs PPF, SCSS for financial year-end planning

With the financial year ending on March 31, 2025, tax-saving options like FDs, PPF, and SCSS under Section 80C offer varying returns and risk profiles for investors.

The interest rate for the Public Provident Fund Scheme will remain at 7.1%, while the the Senior Citizen Savings Scheme and the Sukanya Samriddhi Account, will maintain interest rates of 8.2% each.
Updated : Mar 28, 2025

PPF, SCSS, Sukanya Samriddhi: Govt announces interest rates for Post Office Savings Schemes for April-June 2025; check rates

The Centre has announced that interest rates for post office small savings schemes will remain unchanged for the first quarter of the fiscal year 2025-26, spanning April to June 2025.

The small-cap mutual funds and the Nifty Smallcap 250 index have both dropped by nearly 18% from their peak in September 2024.
Updated : Mar 28, 2025

Small cap funds: Comparing Nippon India Small Cap vs HDFC Small Cap Fund vs Bandhan Small Cap Fund -- which one has given better returns  

Many experts feel that even after the recent market correction, the outlook for Indian small-cap shares remains positive in the long term. While it may take some time for a full recovery, careful selection of fundamentally sound companies can still present opportunities for patient, long-term investors.

Experts feel Sovereign Gold Bonds (SGBs) are ideal for long-term investors seeking tax-free maturity gains, while ETFs are best for medium-term investments.
Updated : Mar 28, 2025

Gold at all time high: What's the best way to invest in gold at present? 

In India, the price of 24-carat gold increased to Rs 90,980 per 10 grams on Friday, representing a gain of Rs 1,140 per 10 grams.

Banks typically offer mutual funds through their subsidiary broking entities, which provide platforms to execute trades, including mutual fund SIPs.
Updated : Mar 28, 2025

'You are making a blunder...': Startup founder cautions investors on banks' demat platforms

Regular mutual fund plans, he points out, are typically more expensive since they involve intermediaries who charge a fee.

Quant Mutual Fund (MF) saw a decrease in its quarterly average assets under management (QAAUM) for the first time in December 2024 since June 2020.
Updated : Mar 27, 2025

Is Quant Mutual Fund the real winner of the bull market? Financial planner notes why the fund stands out

In a recent post on social media platform X, A K Mandhan, a Financial Planner and SEBI-registered Research Analyst, highlighted the impressive growth of a fund's AUM. Mandhan pointed out that the fund's AUM had increased from Rs 130 crore in March 2020 to Rs 1 lakh crore in August 2024. He emphasized that the fund emerged as a strong performer during the bullish market period, proving to be a real winner.

In India, virtual digital assets (VDAs) like cryptocurrencies and NFTs are currently unregulated and may be taxed.
Updated : Mar 27, 2025

'Invested Rs 70 lakh in unregulated crypto projects...': Financial planner on crypto investment

CA Nitin Kaushik highlighted that certain investors have unfortunately invested without caution in unregulated cryptocurrencies, leading to financial losses. It is crucial to acknowledge that cryptocurrency investments are known for their high volatility compared to traditional assets.

CICI Prudential Bluechip primarily invests 80-85% of its portfolio in large-cap stocks, with around 5-10% allotted to mid-cap stocks.
Updated : Mar 26, 2025

MF investment: This large-cap fund has given over 17% return in 5 years vs 13.20% benchmark return

Launched in January 2013, ICICI Prudential Bluechip Fund is a large-cap equity fund that primarily invests in India’s top 100 listed companies by market capitalisation. With a track record approaching 17 years, the fund has consistently outperformed benchmarks and delivered impressive returns within its category over the years.

A comprehension and execution of asset allocation techniques can enable you to confidently and efficiently navigate market fluctuations.
Updated : Mar 26, 2025

Holding cash is considered as a mistake by investors. Shall I explore liquid funds amid market correction?

During market peaks and bottoms, it may be difficult to allocate funds for purchasing stocks amidst market downturns. Nonetheless, a more effective and straightforward approach is found in the principle of asset allocation.

Younger investors have begun investing earlier than the previous generations
Updated : Mar 26, 2025

30% of GenZ begin investing in university, early adulthood: WEF

Cryptocurrency is perceived as more comprehensible than traditional investments such as ETFs, mutual funds, bonds, and stocks by younger investors, with over half of those under 44 allocating a third of their portfolios to it.

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