Blog - Advisors India

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Floating-rate bond 2028: RBI sets 6.45% interest rate for October 2026-April 2027; what investors should know
The RBI has fixed the interest rate on Government of India Floating Rate Bond 2028 at 6.45% for 4 October 2026 to 3 April 2027. Here’s how the rate is set, what investors can earn and what to know before investing.
Some equity mutual funds earn dividends too; here's why it may not be credited to your bank account — why it happens?
Equity mutual funds invest in shares, which may generate dividends. Investors can choose either a growth or dividend plan. Here's when the dividend is not credited to an investor's bank account. 
Gold and silver price today, Oct 5: Check retail rates of 24K, 22K gold and 999 silver in Mumbai, Delhi, other cities
Gold and silver prices in India witnessed a rise during early trading hours on Monday. Check retail rates of the precious metals in top metro cities of the country.
Old Pension Scheme: Calcutta HC says employees cannot lose pension benefits over a technical job-switching lapse
Calcutta High Court has directed authorities to reconsider a government employee’s Old Pension Scheme claim, ruling that failure to disclose a prior job application or obtain technical resignation cannot by itself defeat eligibility under the 2023 pension option.
PPF maturity date falls on a holiday or you don't withdraw immediately: What happens to your money?
A Public Provident Fund (PPF) account matures in 15 years, calculated from the financial year of opening. Here's what happens if you don't make a withdrawal immediately. 
Taking a career break? Your EPF balance may stay tax-free, but interest earned after leaving the job could be taxable
A job break can affect the tax treatment of EPF interest. While the accumulated EPF balance may remain tax-free after five years of service, some ITAT rulings say interest earned after leaving employment can be taxable as income from other sources.
One mutual fund for large-, mid-, small- and micro-cap exposure: How Nifty Total Market Index schemes fare on returns
Nifty Total Market Index funds offer exposure to large-, mid-, small-, and micro-cap stocks through a single mutual fund scheme. Here’s a look at the category, its benchmark performance, and how the index funds have performed so far.
When does RBI classify bank account as dormant? Here's what rules for reactivation and unclaimed money say
A dormant or inoperative account is not a lost account. Whether the account has been unused for two years or the deposit has remained unclaimed for a decade, RBI's framework provides a route for the rightful account holder or beneficiary to recover the money.
Facing an NPS-related issue? Know how to raise a complaint through the PFRDA Pension Sahayak portal
Have an NPS or APY-related query or complaint? PFRDA’s Pension Sahayak offers a simpler way for subscribers to raise and track grievances online. Here’s how the platform works, the steps to register a complaint, and what happens if the issue remains unresolved.
UPI MDR above ₹2,000: Survey finds 76% of consumers may shift to cards or cash if merchants pass on 0.4% fee
A survey of over 67,000 UPI users suggests 76% may shift to cards, cash or bank transfers for purchases above ₹2,000 if merchants pass on the proposed 0.4% MDR. Only 14% said they would continue using UPI and bear the additional cost.