India’s insurance regulator has taken a significant step to improve the nation’s health insurance landscape. The Insurance Regulatory and Development Authority of India (IRDA) has constituted a devoted sub-committee under…
Category: Banking And Finance
Same CTC, lower take-home? The 50% wage rule explained
You open your salary slip, glance at your Cost to Company (CTC), and everything looks unchanged. But when you check your bank account, the number feels a bit smaller. If…
Indian expats in Dubai: What happens if you don’t have a will?
I am a non-Muslim Indian citizen residing in Dubai. Given the current geopolitical uncertainties, I would like to secure my estate through a Will. What happens if I don’t have…
How the new credit reporting cycle will rewire loans, EMIs and approvals
When most people think about credit scores, they think of a credit card application. For years, the card has been the poster child of urban India’s credit ecosystem. That framing…
8th Pay Commission: Why your salary hike won’t arrive soon
If you’ve been waiting for news on the 8th Pay Commission, there’s finally something to talk about. But before you start calculating your revised salary, here’s the reality — the…
Thinking about chasing rallies in defence and energy? Experts warn against it.
It’s well-known that certain sectors of the market respond strongly to geopolitical tensions. In 2003, the Iraq war sent defence and energy stocks soaring as investors anticipated increased military spending…
New salary rules in India: What the 50% wage norm means for EPF, gratuity and take-home pay
Your salary this month may look different from usual. From 1 April 2026, the government has implemented a set of that change how salaries are structured for millions of employees…
Faster withdrawals, less paperwork: How EPFO 3.0 will change your PF access
Accessing provident fund savings has long meant delays, paperwork and dependence on employers for approvals. That may be set to change as the government pushes ahead with EPFO 3.0, a…
Gold overdraft facility: Here’s all you need to know about eligibility, credit limit and comparison to gold loan
Gold overdraft is a flexible credit facility offered by banks and non-banking financial companies (NBFCs) where you can pledge your gold assets as collateral in exchange for a revolving line…
Retirement planning at 35: 7 steps to achieve financial freedom by 60
In a country like India with a population of more than 147 crores, financial freedom is a dream of many. Still, the path to accomplishing this dream is not easy.…