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Niraj Kumar, CFP®
𝗡𝗶𝗿𝗮𝗷 𝗞𝘂𝗺𝗮𝗿, 𝗖𝗙𝗣® AMFI-registered Mutual Fund Distributor | ARN-134405 Founder- Veena Finserv I work closely with entrepreneurs, business owners, individuals, and families who want…
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- Bank holidays next week: SBI, HDFC, others closed on these days between 4 and 10 May; check RBI calendar
Private and public sector banks in India will be closed for two days between May 4 and 10, 2026. Customers can use online services for transactions during these periods.
- Section 80C income-tax relief: From PPF to EPF and NPS — Here's which investment options give you ₹1.5 lakh deduction
Taxpayers can rely on Section 80C of the Income-Tax Act to reduce their tax liability through deductions of up to ₹1.5 lakh in a financial year. Here are the investment options you can choose from:
- 2008 housing crash fears resurfaces — but can buyers really follow Dave Ramsey’s 25% mortgage rule in 2026?
Concerns about a housing market crash are growing among Americans as mortgage rates rise and inflation increases. Financial experts recommend keeping housing costs below 25% of income, though this is becoming difficult with rising home prices. However, a major crash like in 2008 seems unlikely.
- DA: Highest Dearness Allowance increase of 11% was in 2021 in the 7th CPC — Here's how much hikes have been announced
DA hike: The highest hike for Dearness Allowance of central government employees came in 2021 with an 11% increase from the central pay commission. Here's a look at what increments have been announced over the past few years…
- 8th CPC: What is the role of pay commissions in calculation of Dearness Allowance?
8th central pay commission: The government appointed panel determines Dearness Allowance hike, fitment factor and other allowances for central govt employees. Here's what role it plays in the decision process…
- Bank deposit risk explained: What happens to your money if a lender fails to return it?
Bank deposits are generally safe, but in case of bank failure, only ₹5 lakh per depositor is insured under the DICGC. This coverage applies to all accounts in a bank, with specific exclusions for certain deposits. Details here.
- Tax-saving FDs vs regular FDs: Interest rates, lock-in and tax benefits compared
Fixed deposits (FDs) are favored for stable returns, with banks in India offering rates up to 7%. Tax-saving FDs provide deductions under Section 80C but have a 5-year lock-in. Interest rates vary, with senior citizens receiving higher rates.
- Sovereign Gold Bonds: RBI announces redemption price for 2018 series payable on 4 May; here's how much you gain
The RBI has set the final redemption price for its Sovereign Gold Bond 2018-19 Series-I at ₹14,901 per unit, payable on 4 May 2026. Investors could see gains of nearly 386% from the issue price of ₹3,114 per unit.
- Income tax: How much cash can you deposit to prepay home loan principal without attracting I-T notice?
Income tax rules discourage cash transactions, limiting annual deposits to ₹10 lakh. Experts recommend using savings accounts for cash deposits
- How to claim stuck NPS funds with interest? Step-by-step guide for subscribers
Unclaimed National Pension System contributions can be retrieved through a mechanism specified by the Pension Fund Regulatory and Development Authority. Full details here.