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Personal Finance - Angel One

Save Interest on Home Loan by Over ₹26 Lakhs by Doing This with Your EMI

Save Interest on Home Loan by Over ₹26 Lakhs by Doing This with Your EMI

23 February 2025

The financial year 2025-26 brings double good news for salaried individuals. Finance Minister Nirmala Sitharaman has announced generous income tax cuts, boosting disposable income for many taxpayers. Additionally, annual increments and performance bonuses typically disbursed around this time further contribute to higher earnings. For home loan borrowers, this extra cash presents a valuable opportunity to …

Kakeibo: A Simple Japanese Method for Better Money Management

Kakeibo: A Simple Japanese Method for Better Money Management

21 February 2025

In today’s world of digital payments and impulsive shopping, managing money wisely is more important than ever. One effective way to do this is through Kakeibo (pronounced kah-keh-bo), a Japanese budgeting technique that has been around for over 100 years. What is Kakeibo? Kakeibo, which means “household finance ledger,” was introduced in 1904 by Hani …

Unified Pension Scheme to Provide Enhanced Pension Benefits Starting April 2025: All You Need to Know

Unified Pension Scheme to Provide Enhanced Pension Benefits Starting April 2025: All You Need to Know

17 February 2025

The Unified Pension Scheme (UPS), effective from April 1, 2025, allows central government employees to switch from the NPS for assured pension payouts. It includes increased government contributions and new benefits. Central Govt Employees Can Switch to Unified Pension Scheme The Unified Pension Scheme (UPS) will be available to central government employees who are currently …

PM Kisan 19th Instalment: Government to Release Instalment on February 24

PM Kisan 19th Instalment: Government to Release Instalment on February 24

21 February 2025

The government has finally ended the wait on the much-awaited 19th instalment of the Pradhan Mantri Kisan Samman Nidhi (PM Kisan) scheme. As per news reports, PM Kisan 19th Instalment is set to be released in the last week of February 2025. The news reports further stated that PM Narendra Modi is scheduled to visit …

EPF Withdrawals via UPI to Start Soon for Faster Access

EPF Withdrawals via UPI to Start Soon for Faster Access

20 February 2025

The government is working on a new feature that will allow Employees’ Provident Fund (EPF) subscribers to withdraw their funds using the Unified Payments Interface (UPI). This move aims to make fund transfers faster and more convenient for members. EPF to Be Linked with UPI Soon The Employees’ Provident Fund Organisation (EPFO) has developed a …

How Indian Investors Can Profit Despite a Weakening Rupee

How Indian Investors Can Profit Despite a Weakening Rupee

20 February 2025

The Indian Rupee (INR) has depreciated by approximately 3.5% against the US Dollar over the past 6 months. While this may raise concerns about inflation and higher import costs, it presents an advantage for Indian investors holding US-focused mutual funds and stocks. When the rupee weakens, the value of US-denominated assets rises in rupee terms. …

LIC New Smart Pension Plan: Key Details Explained

LIC New Smart Pension Plan: Key Details Explained

20 February 2025

Life Insurance Corporation of India (LIC) has introduced the New Smart Pension Plan, a non-linked, non-participating individual savings annuity plan. This single premium immediate annuity plan offers multiple options to suit different financial needs. If you are considering investing in this retirement scheme, here are the key details: Can You Buy It with Someone Else? …

LIC Smart Pension Plan with Immediate Annuity: Plan Details, Eligibility, Payment Modes

LIC Smart Pension Plan with Immediate Annuity: Plan Details, Eligibility, Payment Modes

19 February 2025

The Life Insurance Corporation of India (LIC) has introduced its latest offering, the Smart Pension Plan, a comprehensive and flexible pension scheme designed to provide financial security for retirees and their families. This non-linked, non-participating individual/group savings and immediate annuity plan aims to cater to diverse retirement needs, ensuring a steady income stream during the …

₹505 Crore of Unclaimed Wealth Accumulates, SEBI Proposes a Systematic Returns Framework

₹505 Crore of Unclaimed Wealth Accumulates, SEBI Proposes a Systematic Returns Framework

19 February 2025

The Issue of Unclaimed Assets in Indian Markets The Securities and Exchange Board of India (SEBI) has identified a significant concern in the financial markets—unclaimed investor funds and securities. As of January 31, investors have left approximately ₹323 crore in funds and ₹182 crore in securities unclaimed. To prevent misuse and facilitate timely returns, SEBI …

From Jewellery to ETFs: The Changing Face of Gold Investment in India

From Jewellery to ETFs: The Changing Face of Gold Investment in India

19 February 2025

Gold has served as a symbol of security and prosperity in Indian households for centuries, far beyond just being an ornament. However, mean and use of gold have transformed over the years for Indians. Investing in gold by Indians is evolving. While overall gold investments are on the rise, the appeal of traditional physical gold, …

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