Blog - Advisors India

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HDFC Life to rely on internal cash flows, not equity, as solvency norms tighten: CFO Niraj Shah

As India’s insurance regulations tighten around capital, costs and disclosures, HDFC Life Executive Director and Chief Financial Officer Niraj Shah, in an ETCFO Exclusive, outlines the insurer’s position on equity funding, risk-based solvency, shifts in product mix, technology-led efficiencies and…

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AI, earnings and the Fed: What could drive US markets in 2026

The US stock market is nearing a third straight year of double-digit gains, driven by AI optimism, easing rate expectations and steady growth, with the S&P 500 up over 17% in 2025 after strong rallies in 2023 and 2024. However,…

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With more than 18 FTAs so far, India must shift focus to deliver export gains amid tough 2026 trade outlook: GTRI

With 18 free trade agreements (FTAs) already signed and more likely in 2026, India’s priority must now move from negotiating new deals to ensuring existing FTAs translate into real export gains, particularly in electronics, engineering and textiles, highlighted a report…

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Driven by stronger fundamentals, Tier II/III boom, retail sector set for accelerated growth in 2026

India’s retail sector is set for strong growth in 2026. Demand is shifting to smaller cities, boosting the market. Digital integration and new mall developments are key drivers. Experts predict double-digit growth, with technology and consumer focus shaping the future.

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Titan ventures into lab-grown diamonds with beYon, exclusive store to open in Mumbai

Titan Company Limited is launching its first exclusive lab-grown diamond (LGD) jewellery store in Mumbai on December 29, 2025, under the new brand ‘beYon’. This strategic move aims to diversify its product portfolio and capitalize on the growing demand for…

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Gift city mutual fund investment: From dividend to capital gains, know all about taxation for NRIs and residents

Indian residents can now invest in dollar-denominated mutual funds in GIFT City. This offers a way to diversify portfolios, especially with RBI restrictions on domestic overseas funds. Investments are made using the Liberalised Remittance Scheme. Taxation is handled at the…

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DA hike: Second dearness allowance increase to come during Diwali this year? Here's what past announcements indicate...
DA hike: Central government employees and retired pensioners are expecting a second increase in dearness allowance this year, sometime in the second half as a “Diwali gift” during the festive season.
₹1.1 trillion blind spot: How ignoring employee health is costing Indian businesses
The largest hidden cost is presenteeism—where employees show up to work but cannot perform at their full capacity. This phenomenon accounts for ₹51,000 crore of the total annual cost to employers.
Health insurance: Co-payment vs deductible explained. Which one should you choose?
Having a clear understanding of co-payments and deductibles in health insurance can help policyholders estimate out-of-pocket costs, compare plans, and avoid claim surprises. This guide explains how both clauses work, their impact on premiums, and how to choose the right policy.
ESOP tax rules for ITR filing: Know when salary tax and capital gains apply to avoid costly reporting mistakes
ESOP taxation can arise at two stages—when shares are exercised and when they are sold. Here's how salary income, capital gains, fair market value and record-keeping affect ITR filing for AY 2026-27, and how to avoid these common tax reporting mistakes.
Belated vs updated return: Which should you file if you miss the 31 July income tax return deadline?
Taxpayers who fail to file their returns within the original due date still have two other options to complete the process. Here's how belated and updated return work and which one you should choose if you end up missing the July 31 deadline. 
₹15 lakh income, different tax liabilities: Why salaried middle class ends up paying highest tax
India's income tax system is progressive - higher incomes are taxed at higher rates. However, the final tax liability depends not just on how much a person earns, but also on how that income is earned.
Personal accident cover vs standalone term insurance: Which is best fit and gives better value for money?
Personal accident cover and standalone term insurance provide financial protection but serve different purposes. Let's deep dive into similarities and differences between the two insurance policies.
Filed your ITR in the last hour? These 5 mistakes can trigger a defective return notice
As the 31 July ITR filing deadline approaches, taxpayers should review their returns to avoid errors that may lead to a defective return notice from the income tax department. Here are 5 mistakes can trigger a defective return notice. 
8th Pay Commission: 5 latest updates boost hopes for 1.1 crore employees and pensioners
The 8th Pay Commission has stepped up stakeholder consultations with meetings across India. Here are the five latest official updates, and what they mean for over 1.1 crore central government employees and pensioners.
ITR filing deadline today: Here's how much a one-day delay could cost you in interest and late fee
The deadline for income tax return filing is 31 July 2026, with over 5.4 million returns already filed. Taxpayers missing this date face late fees and interest under Sections 234A and 234F. Here's how much you may have to pay if you miss the deadline by just a day.