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Finance

Stay updated with the latest financial trends, investment tips, banking updates, and money management ideas. Learn how to save smarter, invest wisely, and build long-term financial stability with easy-to-understand guides and insights.

Finance

8th Pay Commission: ₹32,400 to nearly ₹69,000 basic pay? Fitment factor for govt salary hike decoded

ncradarsh -
Set up by Prime Minister Narendra Modi last year, the 8th Pay Commission is set to make key decisions on salary revisions and fitment factor, which will outline the updated compensation for central government employees and pensioners. Amid...
Finance

Millions of Indians are investing every year, but not everyone is building wealth — Here’s why

ncradarsh -
India's investing story has moved well past the opening chapter. It's no longer about whether people will invest, they are. By early 2026, the country had crossed 185+ million demat accounts (NSE/NSDL data) and mutual fund folios have...
Finance

PPF vs ELSS vs NPS: Where does ₹5,000/month grow the most? 15-year returns compared

ncradarsh -
PPF, ELSS and NPS are among the most widely used tax-saving investment options available to individuals. While all three offer tax benefits, they differ in terms of structure, eligibility, lock-in periods and long-term return potential.Each of these instruments...
Finance

Sukanya Samriddhi, provident fund, bank deposits, mutual funds: Compare investments for your child’s future

ncradarsh -
Securing your child's future is an important aspect of financial planning and the right investment scheme can make all the difference when it comes to meeting their goals. For parents, investing in your children's future can secure major...
Finance

Small habits, big bills: Why convenience costs more than you think

ncradarsh -
Coming back to platform fees, the escalation across Zomato and Swiggy shows a steady rise from 2023 to 2026. “Swiggy first introduced a ₹2 fee in April-August 2023, followed by Zomato in August–December 2023. By 2024, fees...
Finance

New labour laws: Here’s how much your take-home pay changes for ₹10 lakh CTC

ncradarsh -
With the new Labour Laws coming into effect from 1 April, the biggest change for post salaried individuals is in their pay structure. The shift is primarily towards long-term and retirement savings, which means your current in-hand compensation...
Finance

8th Pay Commission: Here’s how the salary structure, pay hike, DA, arrears, fitment factor and other elements are set

ncradarsh -
Constituted by Prime Minister Narendra Modi last year, the 8th Pay Commission is set to make big decisions on salary hikes and fitment factor, based on which updated compensation for central government employees and pensioners will be finalised.The...
Finance

₹5,000 SIP: regular vs step-up, how a small tweak can add lakhs to your corpus

ncradarsh -
A small habit today can transform your life quietly and decide whether you retire with ₹1.7 crore or over ₹2 crore? That is the real power of sensible SIP investing in mutual funds, and this habit...
Finance

Gold loan portfolio grows 3.8x, outstandings surpasses personal loans in December 2025 — What we know

ncradarsh -
The share of outstanding borrowings from gold loans has surpassed personal loans as of December 2025, with an increasing focus towards repeating gold loan borrowers, according to a report by TransUnion CIBIL.The research titled ‘Gold Loan Landscape Report...
Finance

What US green card holders should know about exit tax and gifting rules

ncradarsh -
I am an Indian holding a US green card for over 13 years, but am now considering relinquishing it. Will an exit tax apply in my case, and how does it work? Additionally, I want to make a...
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8th Pay Commission: ₹32,400 to nearly ₹69,000 basic pay? Fitment factor for govt salary hike decoded

Set up by Prime Minister Narendra Modi last year, the 8th Pay Commission is set to make key...
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