Fractal Analytics IPO closes with 2.6x subscription led by QIBs; investors await allotment

Aye Finance IPO ends below full subscription at 97%—What it means for investors

Patanjali Foods Q3 Results: PAT jumps 60%, margin shrinks by 210 bps 

Emergency quota in Amrit Bharat, Vande Bharat Sleeper Trains: Rules, eligibility and How it differs from Tatkal bookings

Income tax boost? Net direct tax collections rise 9% YTD as refunds fall 19% to Rs 3.34 lakh crore—10 things to know

RBI cracks down on mis-selling: Banks cannot sell financial products without customer consent from July 1, 2026

Labour force engagement rises to 55.8%, unemployment rate falls: MoSPI report

Budget 2026-27: Sitharaman highlights Rs 17.1 lakh crore capex push, higher states’ share, jobs plan and AI-skilling focus

BHEL OFS subscribed 2.3x on Day 1, Stock falls over 5%; Govt to exercise green shoe option for 5% stake sale

Chhattisgarh Cabinet approves governor’s address, appropriation bill, Rs 10,000 crore paddy payment before Holi

Choosing between a credit card and a debit card depends on your financial goals. While debit cards help you spend only what you have, credit cards offer rewards and flexibility. Understanding the differences in interest rates, ATM fees, and security can help you manage your money better. Always choose the card that fits your spending habits and financial discipline to ensure your long-term financial health.


Credit Card vs Debit Card Comparison: Benefits, Risks, and Rewards Explained Simply.

PAN Aadhaar Link Status:&nbsp;According to the ITR department, both registered and unregistered users can link their Aadhaar and PAN on the e-filing portal, even without logging in. You can use the quick link Link Aadhaar on the e-Filing home page to link Aadhaar and PAN.

Is your PAN active? What will happen if you miss to link PAN Aadhaar after December 31

PAN holders must link their PAN with Aadhaar by December 31 or face deactivation and a penalty of Rs 1,000. A cancelled PAN can block bank transactions, credit cards, investments and income tax refunds. Here is why the deadline matters and how to avoid last-minute trouble.

Last date to link PAN with Aadhaar December 31: Income tax warns of deactivation, Rs 1,000 penalty

The 8th Pay Commission is due from January 1, 2026, marking the end of the 7th Pay Commission cycle. However, experts say revised salaries may only be implemented around 2028 after the panel submits its report and the government clears the recommendations. A fitment factor of around 1.92 is seen as the most practical, which could raise the minimum basic pay from Rs 18,000 to about Rs 34,560. Dearness Allowance, likely to be around 60 to 65 per cent by 2026, will be adjusted into the new pay and then reset to zero. Employees can also expect arrears for the delay period, making the eventual payout significant.

8th Pay Commission from January 1, 2026? Why central employees may not see higher pay till 2028

Several PSU banks, including SBI, BoB, Punjab &amp; Sind Bank, IOB, and Canara Bank, are offering 444-day special FDs with attractive rates; here’s a comparison of returns on a Rs 7.77&nbsp;lakh investment.

444-Day Special FDs: SBI, BoB, IoB & more—Which PSU bank offers highest return on Rs 7.77 lakh investment?

For investors reviewing or starting their portfolios now, Roongta advised focusing on discipline rather than trends. “Ask yourself whether you are following a long-term asset allocation plan or simply reacting to recent market performance,” he said. He added that changes in asset allocation should only be made based on risk profile, financial goals, and time horizon—not past returns.&nbsp;

Time to be cautious on sectoral, thematic funds; gold a must in portfolios: Harshvardhan Roongta

Major banks including SBI, PNB and Bank of Baroda have reduced home and car loan interest rates after the RBI cut the repo rate by 25 basis points. Borrowers with repo-linked loans are likely to see lower EMIs or shorter loan tenures in the coming months.

Planning a home or car loan? 8 major banks cut interest rates after RBI decision — Check details

Here is the detailed calculation for maturity on Rs 1 lakh, Rs 5 lakh, and Rs 7 lakh on revised SBI Amrit Vrishti FD interest rates, which are effective from December 15, 2025.

SBI Amrit Vrishti FD: Check how much you can earn now at maturity on Rs 1 lakh, Rs 5 lakh or Rs 7 lakh investment after Dec 15 interest rate cut

A monthly SIP of Rs 3,500, started at the age of 25 and continued for 30 years, can grow into around Rs 1 crore at a 12 per cent annual return. The power of compounding and long-term discipline makes small investments highly effective over time.

How long does a Rs 3,500 monthly SIP take to become Rs 1 crore? See the full calculation

Before buying a house, focus on checking your credit score (650–749 is recommended) and ensuring your EMI is below 40% of your salary. Key strategies include comparing bank interest rates, checking for all hidden processing fees, and utilizing the PMAY subsidy (up to ₹2.67 lakh). Maximize savings by claiming tax deductions (up to ₹2 lakh on interest) and securing home loan insurance for financial protection.


Home Loan Checklist: Maximize Tax Savings and Secure the Best Interest Rate

3/20/30/40 Rule: Want to buy a Rs 75-lakh house? This is the pay package you should aim for

Term insurance provides high life cover at a low cost and protects families from financial hardship. It safeguards long-term goals, loan obligations and daily expenses while offering tax benefits and peace of mind. For anyone earning today, it is a foundational part of financial planning.

No term insurance yet? 10 reasons why it matters more than you think

Nepal has lifted its decade-old ban on carrying Indian Rs 200 and Rs 500 notes, allowing travellers from both countries to carry these denominations again. The move aligns with RBI rules and offers relief to tourists, patients, traders and border communities, making India–Nepal travel easier.

Travelling to Nepal? Rs 200 and Rs 500 Indian notes valid again after decade-long ban

The Ministry of Electronics and Information Technology (MeitY) has warned users about fake DigiLocker apps circulating on the Play Store. These fraudulent apps mimic the official design to steal banking details and identity documents. Users should verify the developer name as National e-Governance Division or Government of India before installing. If a fake app is downloaded, users must delete it instantly, change all passwords, and report the incident to the national cybercrime portal at www.cybercrime.gov.in.


Don't Get Scammed: Check the Developer Name Before Downloading DigiLocker from Play Store.

Here are some&nbsp;simple and easy steps that can transform your finances and put you on the path to financial freedom.

Your New Year Money Plan: 8 steps to save, spend smart, and grow your wealth

For just Rs 20 a year, you can secure an accident insurance cover of up to Rs 2 lakh under the Pradhan Mantri Suraksha Bima Yojana.

PM Suraksha Bima Yojana: Did you know you can get Rs 2 lakh accident insurance for just Rs 20? Find out how

Scammers are committing fraud using fake E-PAN card download emails, prompting a warning from the PIB. The email is confirmed as fraudulent and may contain viruses if opened. The Income Tax Department does not ask for sensitive details like PINs or passwords via email. Users are strongly advised not to reply, click any links, or open attachments from such suspicious sources to prevent system damage and data theft.

PIB Warns Against New E-PAN Card Download Email Scam: Do Not Click the Link.

Investors with a lump sum now have several alternatives that offer better returns and, in many cases, stronger tax efficiency than traditional fixed deposits. Debt funds, corporate deposits, NSC, gold products, equity funds and Kisan Vikas Patra each provide a blend of safety, liquidity and growth, allowing savers to choose the option best aligned with their risk tolerance and financial goals.

&nbsp;

Have a lump sum to invest? These 6 options can grow your money faster than FDs

Following the RBI's recent Repo Rate cut, many banks reduced their lending rates, but if your EMI remains high, the solution is Loan Refinancing. This process involves closing your expensive loan and taking a new one at a lower interest rate, providing instant EMI reduction. Refinancing also offers tenure flexibility but involves processing and foreclosure fees. It is most beneficial when switching to a significantly cheaper rate.

RBI Cuts Repo Rate, But This Method Instantly Reduces Your Loan EMI and Interest.

RBI Cuts Repo Rate to 5.25%: Here's how you can save Rs 45,000/year on a Rs 50 lakh loan

personal-finance

PPF vs SIP with Rs 1,11,111/year investment: Which can create higher corpus in 15 years?

For borrowers, the rate cuts so far have created significant savings opportunities. A home loan of Rs 50 lakh at an original interest rate of 8.5 per cent over 20 years carries an EMI of Rs 43,391, with a total interest outgo of Rs 54.14 lakh. 

RBI MPC Today: Repo rate unchanged – What does it mean for home loans, FDs and mutual funds?

RBI Governor Sanjay Malhotra announced that the central bank will issue three draft guidelines focused on key areas of consumer protection. These will address mis-selling of financial products, recovery of loans and engagement of recovery agents, and limiting customer liability in cases of unauthorised electronic banking transactions. Highlighting growing concerns over digital fraud, Governor Malhotra stated that the central bank is taking further steps to enhance the security of electronic payment systems.

RBI strengthens customer protection in digital payments with Rs 25,000 fraud cover

The Reserve Bank of India on Friday announced a series of measures aimed at strengthening customer protection, expanding financial inclusion and improving the flow of credit, as it concluded the Monetary Policy Committee meeting. RBI Governor Sanjay Malhotra outlined five key changes that are expected to shape how consumers and enterprises engage with the financial system going forward.

RBI MPC Highlights: From Rs 25,000 fraud cover to easier loans—What has Sanjay Malhotra announced for customers?

While recent updates suggest an August 31st deadline, most individual taxpayers and salaried professionals are still legally required to file by July 31st. The extended timeline is strictly reserved for non-audit business cases and specific trusts. Under the new guidelines, missing your designated date can lead to a penalty of up to ₹5,000 and the loss of the right to carry forward losses. Check your specific category now to ensure you don't face unnecessary legal friction or late fees.

Are You Caught In The July 31st Tax Trap? New Rules For Filing Your Returns

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Personal Finance News: Get latest Finance news including global economic news, top finance news, world finance news & top global financial update from India & world on Zee Business. Stay updated with information on mutual funds, fixed deposits & on tax saving.