The due dates for issuance of any notice, intimation, notification, approval or sanction order, has also been extended by a period of three months.

If you have a high credit score or work for an organisation that has a tie-up with a bank for subsidised interest rates, you can get a lower interest rate.

Multi-asset funds of mutual funds can be a good option for asset allocation mix even as gold is a good diversifIer. Also, do keep emergency funds in debt funds & fixed deposits

Most companies are encouraging their existing customers to use digital channels as there has been a surge of such requirements from customers along with scarcity of service personnel at insurance offices.

The EPFO’s decision to extend the due date for filing is expected to benefit about six lakh establishments, including four lakh establishments eligible under the Pradhan Mantri Garib Kalyan Yojana (PMGKY) package.

A one-year deposit with the country's largest lender earned interest at the rate of 5.7%, which works out to a 3.99% effective yield, assuming a tax rate of 30%.

Equity investors can tilt portfolio allocation towards large-cap and multi-cap mutual funds.

Increase your allocation to gold via the gold fund route from the safety and comfort of your home.

For example, PPF offers you returns of 7.1% per annum completely tax-free whereas an 8% FD may offer you only 5.6% if you’re in the 30% slab.

Investing in high-quality companies and proven MF schemes always pays in the long term and these would be the first to recover

Closing a home loan account involves outstanding loan repayment, signing some forms, request for return of original documents, collecting no-dues certificate as well as the final interest payment certificate.

Make sure that you have the contact information of your reporting manger and HR department in a diary or phone or a place where your spouse can access the same easily.

Under the Pradhan Mantri Garib Kalyan Yojana, launched on March 26, a provision exists for withdrawal from one’s provident fund accumulation to fight the pandemic.

The due date for depositing statutory contributions, aggregating one-fourth of one employee’s monthly wages, towards provident fund, to be deposited by an employer, falls within the first 15 days of the next month.

Fund houses such as HDFC MF, Baroda MF, Nippon India MF, PGIM MF and UTI MF have exposures to debt papers issued by the Indiabulls Housing Finance, shows the data from Value Research.

Dearness Allowance (DA) Hike Latest News: The April salary, which is due to be paid in a week’s time, was supposed to be based on revised DA, along with arrears for three months (January-March).

If you want the market upside, benefit of current low prices and have appetite for volatility, you may invest in ELSS now in a staggered manner, that is, via SIP.

Debt schemes of mutual funds for long have been seen as low risk, but shuttering six schemes and leaving investors in a lurch will impact investor sentiment.

The order issued by the state finance department will impact over 16 lakh state employees and officers, approximately three lakh teachers and 12 lakh pensioners.

Now is the time to assess where you are in relation to financial goals, tax planning & cash inflows.

Credit risk funds have been seeing redemptions over the last one year. Between March 2019 and March 2020, most credit risk funds had seen outflows barring ICICI Prudential Credit Risk Funs, IDFC Credit Risk Fund and Mahindra Credit Risk Yojana.

Experts said the debacle at Franklin could lead to redemptions from other debt schemes. Investors could lose a big chunk of the Rs 25, 800 crore worth of assets held in the six debt schemes that Franklin has wound down.

Franklin Templeton MF also said that their commitment to India remains steadfast as they have been early as patient investors in India.

The RBI recently allowed banks to use Video KYC to validate loans and credit card applications. Video KYC is another effective mechanism to accelerate application processes wherein customers can use their smartphone cameras to validate themselves before a bank-appointed officer.

Gold plays an important role as a diversifier in a portfolio due to its less than perfect correlation with other asset classes.

The Irdai data showed that LIC saw its new business premiums at Rs 1.77 lakh crore in 2019-20 compared to Rs 1.42 lakh crore in the previous fiscal — a growth of 25.17%.

There would also be a significant rise in disease-specific health plans as these are only for widespread infections as against normal hospitalisation in order to keep the cost of treatment low.

VPF is the voluntary contribution by employees towards their provident fund account over and above the 12% contribution towards EPF.

The next two months will be weak and slowdown in Ulips to continue for the rest of the year

The EPFO has already extended to May 15 the due date for depositing statutory contributions for the wage month of March, due by April 15.

Contingency planning, taking heath insurance and avoiding unnecessary expenses is critical.

The motor third-party obligation of each insurer should be linked to the number of vehicles insured instead of premium derived from this segment, says Irdai panel.

Availing of the moratorium will only add to your interest burden eventually. If you have the cash, paying EMIs and credit card bills on time will be beneficial.

An emergency fund equal to 6-12 months of your monthly expenses is the financial equivalent of N95 masks. And check your health insurance plan.

Q4 Ebitda was in line with estimates; RIL on track to be debt free by end FY21, which could drive rerating; TP revised to Rs 1,618.

Equity markets in India and across the globe have corrected sharply on concerns over global growth amid the coronavirus outbreak.

While the third-party (TP) premium depends on your vehicle’s cubic capacity (CC), the motor own-damage is calculated basis the RTO/city you reside in and the make year and model of your car.

Trade unions are of the view that the retirement fund body should set a definite timeline for employers to deposit the money already deducted from employee’s monthly salary.

Reduce your debts, cut expenses and choose investment products prudently to build your retirement corpus.

After careful consideration of the evolving COVID-19 situation, SAS made the decision in March to cancel the in-person SAS Global Forum 2020 conference in Washington, DC. The health and well-being of SAS customers and employees was the company's top priority in making that decision, and while it's unfortunate that we [...]

SAS Global Forum 2020: Hybrid marketing with SAS Customer Intelligence 360 was published on Customer Intelligence Blog.

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