PERSONAL FINANCE NEWS

The primary tax benefit on health insurance comes under Section 80D. It allows deductions for premiums paid for yourself, your spouse, dependent children, and parents. For self, spouse, and children, you can claim up to ₹25,000 a year. Add parents to the policy, and you get another ₹25,000. If either parent is a senior citizen, this second limit rises to ₹50,000. (Express Photo)

Health Insurance Tax Benefits: What Counts & What Doesn’t

December 23, 2025 18:58 IST

With healthcare costs rising faster than incomes, adequate cover is essential for financial security, as a serious illness or hospitalisation can quickly erode years of savings.

After the RBI cut the repo rate by 25 bps for the fourth time this year, the floating vs fixed loan debate has resurfaced for borrowers.

Fixed or Floating Loans: Which Is Smarter After the RBI Rate Cut?

December 16, 2025 15:30 IST

With borrowing costs set to ease, the debate over floating versus fixed-rate loans has resurfaced. Understanding how changes in the repo rate affect each type of loan is key to making an informed choice, especially for first-time borrowers.

Even carefully planned celebrations can get expensive once you factor in venues, décor, catering, and jewellery.

Stressed about weddings expenses? 6 ways a gold loan can help

November 28, 2025 21:16 IST

Many families find themselves facing a cash crunch and start looking for quick ways to bridge the gap.

ITR Refund FY24-25 delayed? Here’s how to check your income tax refund status using your PAN card on the income tax portal and NSDL refund tracking page.

ITR Refund FY24-25 delayed? Here’s how to check income tax refund status using your PAN Card

November 27, 2025 09:42 IST

ITR FY24-25 Refund Status via PAN Card: ITR Refund processing begins only after a person's ITR has been successfully e-verified and the PAN card is linked with Aadhaar.

A low-rate phase is not a signal to rush into a home loan. It gives you the space to plan better, because a home loan is a long-term commitment that stays steady across interest rate cycles.

Grabbing a home loan while rates are down? 10 essentials to remember

November 26, 2025 13:04 IST

Home loan rates have been trending lower ever since the RBI reduced the repo rate to 5.5 per cent. When interest rates fall, home loans become more attractive. A lower rate means a lower EMI and lower interest paid over the loan tenure.

Income Tax FY24-25 Refund Delay: Expected credit timeline, reasons for hold-up, how to check ITR refund status, and more details

November 26, 2025 12:14 IST

ITR FY24-25 Refund Delay: Chairman Ravi Agrawal said on Monday that the tax department is looking into incorrect deductions claimed in certain cases, which is causing a delay in refunds, PTI reported.

Good to know: What really affects your credit score and what doesn’t

November 12, 2025 14:59 IST

A good credit score is earned, not bought. It rewards financial discipline—timely repayments, low utilisation, and mindful borrowing.

A good approach is to maintain one joint account for common expenses and two separate accounts for personal spending.

Joint vs. Separate Accounts: What works best for newlyweds?Subscriber Only

November 6, 2025 12:04 IST

Financial freedom is as important in a relationship as emotional trust.

Why gold prices matter for your gold loanSubscriber Only

October 30, 2025 16:05 IST

Gold loan interest rates in India range from 8% to 27% per annum, depending on the lender and your risk profile.

Here's updated last date for filing ITR Audit Reports for AY 2025-26. and Income Tax Returns (representational file photo)

Income Tax Audit Last Date: CBDT extends deadline For filing audit reports, ITR for AY 2025-26; check updated due date here

October 31, 2025 06:14 IST

Income Tax Audit Last Date for AY 2025-26: The CBDT announced that the deadline for submitting audit reports is November 10, and the deadline for submitting ITRs is December 10, 2025.

Families often buy jewellery, coins, or bars as tokens of wealth. However, these purchases are usually emotionally-driven rather than strategic.

During Diwali gold buying, how to find the right balanceSubscriber Only

October 18, 2025 11:52 IST

This Diwali, the question isn’t whether to buy gold, but how to buy it wisely, to celebrate and also strengthen your financial future.

7 common credit score myths you should know aboutSubscriber Only

September 25, 2025 18:58 IST

A score of 750 or above is generally considered good, unlocking access to the best loans and credit cards at attractive rates.

Buying a smartphone, washing machine, or furniture definitely feels more affordable when the payments are smaller and don’t pinch the budget.

Festive shopping and the fine print of no-cost EMIsSubscriber Only

September 16, 2025 20:12 IST

One of the most visible offers this time of year is the no-cost EMI, promoted as an interest-free way to spread out your payments. It looks simple and convenient at first glance.

ITR Filing FY 2024-25: Know the extended last date for AY 2025-26, latest CBDT update, penalty details, and how to file income tax returns online.

Income Tax Return Filing Last Date: What is the extended deadline for ITR filing for FY 2024-25, AY 2025-26?

September 16, 2025 08:29 IST

ITR Filing FY 2024-25 Last Date Extension: The extension of the deadline - September 16 - will only applicable to income tax returns for individuals and businesses that do not require their accounts examined.

Learn about ITR forms, common filing mistakes, and required documents.

Income Tax Return Filing Due Date 2025-26: Last-Minute ITR Guide, Documents Required to File ITR, Penalty for Late Filing

September 16, 2025 07:22 IST

Income Tax Return (ITR) Filing Due Date: The extended due date for filing Income Tax Returns for FY 2024-25 is approaching. Ensure timely and accurate submissions by September 15, 2025, to avoid penalties and interest.

Income Tax Return Filing FY 2024-25 Last Date: Know the last date to file Income Tax Return (ITR) for FY 2024-25. Learn about penalties for late filing, due dates, and the belated ITR filing process.

Income Tax Return Filing FY 2024-25: Know the last date, penalty for late filing, and belated ITR process

September 15, 2025 08:52 IST

Income Tax Return (ITR) Filing FY 2024-25, AY 2025-26: The deadline for filing ITRs, which was originally set for 31 July 2025, has been extended to 15 September 2025.

For beginners, recurring deposits (RDs) are a simple yet effective way to start an emergency fund. (Representational)

Here is how to build an emergency fund on a tight budgetSubscriber Only

September 4, 2025 22:13 IST

Consistent savings, even in small amounts, in the right instruments, can help you create this reserve.

itr filing due date extension, income tax filing, income tax filing last date, itr filing, income tax return due date extension, income tax due date, income tax return date extension

ITR Filing FY 2024-25 Last Date: What is the extended deadline for filing ITR FY 2024-25 (AY 2025-26)

September 15, 2025 08:52 IST

Income Tax Returns (ITR) Filing FY 2024-25, AY 2025-26: The deadline for filing ITRs, which was originally set for 31 July 2025, has been extended to 15 September 2025.

When a crisis strikes, many Indian households turn to gold, a trusted, tangible asset that can be quickly converted into cash.

Gold loan vs selling: Which works better in a crisis?Subscriber Only

August 18, 2025 12:36 IST

A gold loan from a bank or NBFC can be processed within hours, especially if your KYC is ready and the gold is valued.

Missed e-Verifying Your ITR? Read This Before It’s Too LateSubscriber Only

August 9, 2025 12:35 IST

ITR e-verification deadline, E-verify ITR online: Without e-verification, your return isn’t considered valid by the Income Tax Department. That means no refunds, no processing, and in many cases, penalties.

Self-employed individuals can share GST certificates, turnover records, or invoices to prove income.

Denied a loan for missing ITR? Here are 8 options to exploreSubscriber Only

July 31, 2025 12:07 IST

Lenders may still consider your credit score, bank statements, or existing relationships. Here are some practical alternatives to explore if you don’t have an ITR.

ITR Filing for FY 2024-25, AY 2025-26: How to check ITR refund status online?

ITR Filing Last Date FY 2024-25 (AY 2025-26): How to check your ITR refund status online?

July 30, 2025 08:28 IST

ITR Filing Last Date FY 2024-25 (AY 2025-26): Taxpayers are experiencing delays in receiving their income tax refunds for the fiscal year 2025-26; here's a step-by-step guide on how to claim ITR refund status.

To check if the taxes deducted match the reported tax returns, the I-T Department compares your returns with Form 26AS, AIS, and TIS.

Is your ITR refund stuck? Check for these 7 mistakesSubscriber Only

July 25, 2025 11:19 IST

ITR Refund Status FY 2024-25: E-verification must be completed within 30 days of filing. You can do this using your Aadhaar OTP, net banking, a demat account, or even at an ATM (for certain banks).

ITR Filing Last Date 2025: What happens if you miss the deadline?

July 24, 2025 08:25 IST

ITR Filing Last Date 2025: Missing this deadline may result in serious penalties and charges under Section 234A and a late filing fee under Section 234F.

As the IT department activates ITR-2 filing for FY 2024-25 online, here's all you need to know.

ITR-2 filing FY 2024-25 begins online: Know the eligibility, new updates, and more

July 18, 2025 10:30 IST

ITR-2 Filing FY 2024-25: The Income Tax Department has finally activated ITR-2 for online filing after a 100-day delay. Taxpayers can now file their returns with pre-filled data, simplifying the process. The deadline for ITR filing has been extended to September 15, 2025.