#Personal Finance
5 articles tagged with this topic
All articles tagged #Personal Finance
After the First Rate Hike in Nearly Four Years (RBI, 7 October 2026): A Four-Rung FD Ladder and the One Debt-Fund Number, Duration, That Shapes Your Next Twelve Months
Following the RBI's 25 bps repo rate hike to 5.50% on 7 October 2026, here is how a 4-rung FD ladder protects liquidity, the exact duration math for debt funds, and the after-tax real return reality.
9 min readPersonal FinanceSEBI’s PRIM Route (Portfolio Managers Regulations, 2026): What Paying Up to 1% a Year to Hold Direct Mutual Funds Costs at ₹25 Lakh
Under the SEBI (Portfolio Managers) Regulations, 2026 effective 1 April 2027, the PRIM route allows managers to run direct mutual fund portfolios from ₹25 lakh for up to 1% a year. Here is the fee drag math, comparison vs DIY, and 7 questions to ask.
9 min readPersonal FinanceBER vs TER (SEBI Mutual Funds Regulations, 2026): Why a Fund’s Expense Ratio Can Look Higher After 1 April Even Though Base Costs Fell
Under the SEBI (Mutual Funds) Regulations, 2026 effective 1 April 2026, the statutory expense cap now applies to Base Expense Ratio (BER), with brokerage and statutory levies unbundled. Here is the math, audit guide, and comparability rules.
9 min readPersonal FinanceIncome Tax Act 2025 Section Translator (Effective 1 April 2026): Where Your 80C, 80D, HRA and Home-Loan Interest Claims Moved for Tax Year 2026-27
The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026 for Tax Year 2026-27. Here is the verified section mapping for 80C, 80D, HRA, home loan interest, and Form 121, with exact rupee math and timeline rules.
10 min readPersonal FinanceEPS 2026 Replaces EPS 1995 (Ministry of Labour, 29 June 2026): What Job-Switchers Keep, Lose and Must Decide About the 36-Month Pension Wait
Under the Employees’ Pension Scheme, 2026 (notified 29 June 2026), job-switchers leaving covered employment face a 36-month wait for lump-sum pension withdrawals. Here is the exact rupee math, decision pathways, and passbook checklist.
9 min read