Money

International ETFs trading at a premium: What investors should check before buying

• India-listed international ETFs can trade at premiums to their underlying assets
• Investors in international ETFs may pay more than the value of their underlying holdings

Buying property from an NRI gets easier from October 1: Check key rule changes for residents and HUFs

• From October 1, resident individuals and HUFs buying property from non-residents can use their existing PAN for TDS compliance
• Simpler TDS compliance may ease transactions in India’s residential property market

Does a job break make EPF interest taxable? Here’s when tax kicks in

Can you save tax by gifting money to your HUF? How Section 99 changes the tax equation

7 aggressive hybrid funds delivered 12%+ 5-year SIP returns; Bank of India led with 16.5%

• Seven aggressive hybrid funds delivered 12% or more in five-year SIP returns
• Bank of India Aggressive Hybrid Fund led with 16.50%
• Five-year SIP returns may influence flows among Indian hybrid funds and asset managers

NFO Insight: WOC Diversified Equity Small Cap Active FoF NFO opens for subscription. How is it different from a smallcap fund?

• WhiteOak Capital Mutual Fund launched a Fund of Funds focused on small-cap mutual funds
• Small-cap investors can access a fund-of-funds strategy through WhiteOak Capital Mutual Fund

ETMarkets Smart Talk| F&O STT, UPI charges and trading costs: Sandeep Neema on the hidden drag on retail returns

• Sandeep Neema discussed F&O STT, UPI charges and trading costs as drags on retail returns
• Trading-cost changes affect Indian retail investors, stockbrokers and exchanges

Hybrid funds are booming: Why some advisers prefer them while others remain cautious

• Some advisers favour hybrid funds for tax efficiency and stability
• Others worry hybrid funds mean giving up returns and control
• Indian mutual fund investors and distributors face a trade-off between stability and potential returns

Taking a gold loan? Key costs, repayment rules, and risks to check before pledging jewellery

Mutual fund returns: Why average return can mislead you about your actual wealth

• Two funds both averaged 5%, but one left investors Rs.11,000 richer
• The distinction matters when Indian mutual fund investors assess actual wealth growth

Factor investing in 2026: Alpha leads as defensive strategies lag amid market volatility

Mirae Asset MF launches Life Cycle Fund 2056: How the scheme will change its equity-debt mix over 30 years

iPhone 17, iPhone 16 prices during Flipkart Big Billion Days 2026: Expected deals and bank offers

Reliance Digital brings down iPhone 17 Pro Max price in India to Rs 71,990 with Rs 9,910 flat discount, Rs 55,000 exchange and Rs 3,000 cashback

Best medium duration mutual funds to invest in September 2026

• SEBI defines medium-duration funds as investing in debt and money-market instruments with a 3–4 year Macaulay duration

Grain trader deposited Rs 5.2 crore cash in bank, filed ITR declaring Rs 7.65 lakh income, got unexplained deposit income tax notice; won case in ITAT Delhi for this reason

A data-driven analysis of mutual funds vs. PMS

• Mutual funds returned 14.5% CAGR over 10 years, versus 14.0% for PMS
• The performance gap may shape flows into Indian mutual funds and PMS providers

₹85.30 lakh cash gifts from relatives: ITAT says donors’ low income alone isn’t enough to reject genuine gifts

• Chennai ITAT deleted a tax addition of ₹85.30 lakh on cash gifts
• Taxpayer produced gift deeds, donors’ ITRs and financial statements
• The ruling may guide Indian taxpayers facing scrutiny of family gifts

Can money collected for someone else be taxed as your income? ITAT ruling on ₹20.33 lakh cash deposits

• An 89-year-old retired principal said ₹20.33 lakh in deposits were hostel fees collected for an education society
• He said only ₹2,251 was his own income

Tax audit due date remains Sept 30: No extension yet — Here's how much penalty you could face for late filing

• The tax audit report deadline is September 30
• No extension has been granted yet

Cashless health insurance claims: What policyholders can do when hospitals and insurers clash over bills, approvals, and deductions

Premium travel cards are changing as banks tie perks to broader customer relationships; here’s what you need to know

Moving from UAE to India? 6-step financial homecoming guidebook to manage tax residency, bank accounts, Dubai property, and gratuity

Retirement planning: Why costs, asset allocation, and compounding matter more than chasing returns

Expecting nil tax liability this year? Know which form to submit to avoid TDS on bank interest, rent and dividend income

• Taxpayers with nil estimated tax liability can submit Form 121 to avoid TDS on certain incomes
• The declaration applies to bank interest, rent and dividend income

Bucket strategy deployed in retirement needs a refill rule

• A safe bucket meant to cover two years of expenses needs to be refilled periodically
• A practical withdrawal rule for Indian retirees managing mutual fund portfolios

Time to correct the tax anomaly on bank FDs

Sold house, land, shares or mutual funds? Know 9 reinvestment options to claim capital gains tax exemption

• The Income-tax Act provides nine exemptions for capital gains from asset sales
• The exemptions may affect tax planning by Indian investors selling property, shares or mutual funds

Managing inflation risk

• Commodities futures can hedge inflation but carry high downside risk and may not suit many retirees
• Rental property is presented as a better alternative

Companies offering healthcare benefits see 13% drop in chronic claims, says report

• Companies offering healthcare benefits saw a 13% drop in chronic claims
• Lower claims could save up to ₹480 per employee at insurance-plan renewal
• Lower claims may ease renewal costs for employers and affect health insurers such as Star Health

How EPFO wage ceiling reset will change PF contribution math

• EPFO raised the mandatory wage ceiling from Rs 15,000 to Rs 25,000 on September 17
• Higher mandatory PF contributions may raise employment costs for Indian companies, especially labour-intensive sectors

Manufacturing mutual funds: Top scheme delivered over 23% in 1 year—did this stellar return come with higher risk?

• Top manufacturing mutual fund schemes delivered over 23% in one year

ETMarkets Smart Talk | The next 12 months may be about capital saved, not returns made: Praveen Jagwani

• Praveen Jagwani urges investors to prioritize capital preservation over high returns
• He recommends extensive diversification across assets
• The advice favors capital preservation and diversification for Indian investors amid uncertain markets

Invested in a top-performing mutual fund? Why strong returns may not translate into similar gains for you

• Investment and withdrawal timing can create a significant gap between mutual fund returns and what investors earn
• Investor cash-flow timing can distort realised returns for Indian mutual-fund investors

SBI Flexicap among 5 flexi-cap mutual funds that delivered single-digit returns in 3 years. Check details

• Five flexi-cap funds delivered single-digit returns over three years
• SBI Flexicap and UTI Flexi Cap returned 6.4% to 7.8%
• The subdued three-year returns may matter to investors in SBI and UTI flexi-cap funds

UPI MDR puts big-ticket retail payments in focus

CA submitted your tax audit report? The process doesn't end there—here's what you still need to do by 30 September

• Taxpayers need to check the tax audit report on the income-tax e-filing portal and complete remaining steps by 30 September

NPS: Can you withdraw 100% of your corpus after 60? Know the tax implications

Missed your RD instalment? Here’s how the delay can affect your account

Live on rent or purchase a home? How to make a decision in your 30s

• The article weighs renting against buying a home in your 30s
• Housing affordability and purchase decisions matter to Indian real estate and housing finance companies

Rs 50 Lakh Corpus At 35: How Long Could It Take To Reach Rs 1 Crore

• A 35-year-old saver with ₹50 lakh may be closer than expected to reaching ₹1 crore

Your SIP Has Underperformed For Three Years: What Should You Check Before Stopping It?

• Periodically review your portfolio to check whether returns align with expectations
• Portfolio reviews can help Indian mutual-fund investors assess whether SIPs still suit their expectations

Builder wants maintenance money before possession? Check these rules first

Builder changes your flat size? Know what you can do before signing

Bought a resale flat? Check this before paying the previous owner’s society dues

Rs 2,500 salary to Rs 6 Cr, Rs 3 Cr without stocks or MFs, Rs 80 L income to nil: 3 money journeys

Equities must remain in retirement portfolio despite market swings: Hsu

• Standard Chartered CEO Judy Hsu said equities should remain in retirement portfolios despite market swings

₹10 lakh in 3-year Post Office TD vs 5-year TD: Which earns more interest? Check out the calculations

• ₹10 lakh Post Office TD rates for July-September 2026: 7.1% for three years and 7.5% for five years
• Higher five-year deposit rates may compete with bank deposits for household savings

Buying a car for ₹10-15 lakh? Here’s what buyers should check before choosing a new lower-end or used higher-end model

• A ₹10-15 lakh budget can buy a new lower-end car or a pre-owned higher-end model
• Compare depreciation, loan rates, EMI, maintenance, warranty and insurance
• New-versus-used demand choices matter for Indian automakers and vehicle-finance lenders

World Tourism Day 2026 special: 5 common money mistakes Indian tourists should avoid

• International trip budgets should include costs beyond flights and hotels
• Indian travelers are advised to avoid common money mistakes when planning trips

Money gifted to spouse: Can income earned from it be taxed in your hands? Tax expert explains

• Money gifted to a spouse may be exempt, but income earned from it can be clubbed with the donor’s income

New fund offers: 6 mutual funds and 1 SIF will open for subscription this week. Check dates and details

• Six mutual funds and one Specialized Investment Fund open for subscription this week
• New fund launches offer Indian savers additional investment choices across mutual funds and SIFs

Salary earned abroad, credited to NRE account: Does that make it taxable in India? ITAT ruling explained

• Bengaluru ITAT ruled that foreign salary credited to an Indian NRE account alone cannot make it taxable in India
• The taxpayer’s employment was overseas
• The ruling may inform tax treatment for Indians working abroad and their financial advisers

EPF withdrawal rules: What happens if you withdraw full amount due to unemployment and later get a new job

• EPF members can withdraw the full corpus after 12 months of unemployment

‘I want to make her proud’: My mother, a divorcée, died and I’m her executor. Do I need to file for probate?

• The only debts were utility and credit-card bills, which the family plans to pay off

Social Security overpaid my 82-year-old mother by $20,000. What else is hiding in her finances?

• Social Security overpaid her mother by $20,000
• Her mother has a pension, investments and a house worth probably over $1 million

Big family home after retirement: Should you sell, downsize or simply stay put?

A second home for rent can drain cash even when the property looks profitable

Joel Tillinghast’s Stock-Picking Secrets: Why investors should Look Beyond the Share Price

• Joel Tillinghast advocates avoiding investing mistakes and focusing on in-depth business analysis

Financial foundation: Why insurance and emergency funds must precede stocks

• Secure income and emergency reserves before investing in stocks
• Insurance and emergency-fund priorities matter to insurers and Indian household financial-product providers