IRDAI’s Public Insurance Registry: How India’s Insurance Sector Could Change
India’s insurance sector connects policyholders, insurers, intermediaries, reinsurers, banks and regulators but the information they rely on remains fragmented across institutions, formats and systems. That could change with a proposal announced by the Insurance Regulatory and Development Authority of India (IRDAI) on September 1, 2026: the Public Insurance Registry (PIR), envisioned as a Digital Public […]
Mutual Fund Taxation in India 2026: LTCG, STCG & What Changed
If you’ve redeemed, switched, or even just held mutual funds this year, there’s something you should know. Some of the tax rules you remember may already be outdated. Equity funds now have different tax rates. Debt funds have lost their old long-term tax advantage. Gold and international funds have also seen changes in how they […]
ITR Deadline 2026: How Does Income Tax Act 2025 Affect Your Tax Return?
The Income Tax Act, 2025 came into force on April 1, 2026, but that does not mean your 2026 ITR automatically comes under the new law. If you are filing your AY 2026-27 income tax return, your return is still governed by the Income Tax Act, 1961. Why? Because AY 2026-27 covers income earned during […]
Rising Gold Prices & Lower Interest Rates: Gold Loan Vs Personal Loan
Gold prices have been unusually high this year. In India, domestic gold prices were around 59% higher year-on-year in Q2 2026, according to the World Gold Council. Prices have come down from their peak, but they are still at historically high levels. At the same time, more people are borrowing against their gold. The RBI […]
Angel Tax Abolished: What It Actually Changes for Startup Investors in India
If you searched “angel tax abolished India” expecting to find a shiny new tax break on your start-up investments, here is the honest headline: it isn’t one, and understanding why is far more useful than the myth. Angel tax was never a tax you paid as an investor. It fell on the startup receiving your […]
Zero GST on Health Insurance: How Much You Actually Save
If you have renewed a health or life policy in the last few months, you may have noticed something missing from the bill: the tax line. Since late 2025, individual health and life insurance premiums no longer carry the 18% tax they used to. It is one of the more visible changes to come out […]
RBI MPC August 2026: Will Your Home Loan EMI Fall? What Borrowers Should Know
As the RBI MPC August 2026 meeting approaches, many homeowners are asking one simple, practical question: will my home loan EMI finally come down? It is a fair thing to wonder. The repo rate has stayed put for a while now, home loan rates have not moved much, and every policy announcement brings a fresh […]
What is Minimum Amount Required for Portfolio Management Services in India
If you have been researching portfolio management services in India, one number keeps coming up: Rs 50 lakh. This is the minimum amount you need to open a PMS account. This is not a number that portfolio managers decide on individually. It is a regulatory requirement from the Securities and Exchange Board of India (SEBI). […]
Gold Etf Vs Gold Mutual Fund: What’s the Difference in 2026
Gold has always been a special thing in Indian households. But the way people invest in it has undergone a dramatic change. Gold ETFs and gold mutual funds are the two main options in this space, and more investors are now opting for paper gold instead of buying jewelry or coins. If you’ve been torn […]
What is a Good Expense Ratio in a Mutual Fund?
You choose a mutual fund. The returns seem promising. The fund manager has a good track record. Then you see a line in the factsheet that says “expense ratio: 2.1%.” Does that matter? Certainly. The expense ratio is the annual cost a mutual fund charges you to manage your money. It is deducted from the […]
