Financial Planning News India
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Emergency funds, financial goals, cash flow planning and general money management.
📰 Latest Financial Planning News
Emergency Fund vs SIP: Which Comes First?
Most Indians jump straight into SIPs and stocks before building a safety net. But if a job loss or medical bill hits, you'll break your FD, miss EMIs, and wreck your credit score. Build an emergency fund first — always.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsDA Hike Coming? Your Take-Home Could Rise ₹2,160
Central government employees are waiting for the next DA hike, expected around Dussehra 2025. Currently at 60% of basic pay, a likely 3% rise would boost monthly take-home pay and change how you should plan your EMIs, savings, and tax.
NDTV Profit - Latest₹1L Salary? How Much Emergency Fund You Need
If you earn ₹1 lakh a month, experts say your emergency fund should cover 6 to 12 months of essential expenses — EMIs, insurance, school fees included — depending on how stable your job and income are.
mint - moneyGot Married or Bought a Home? Revisit Your Financial Plan
Marriage, a home loan, or a new baby changes your entire money picture. If your financial plan is still the same as it was three years ago, it is probably working against you. Here is what to check and when.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News4 Dineouts a Month: Are You Losing ₹57,600 a Year?
Frequent small treats — weekly dineouts, food delivery, coffee runs — add up faster than one big splurge. Here's how lifestyle inflation silently kills your savings and what to do about it.
NDTV Profit - LatestWomen Retire Early But ₹0 Left in 10 Years?
More Indian women are saving for retirement — that's the good news. The bad news: most don't save nearly enough, and their money could run out in under 10 years. Here's how to fix that gap before it's too late.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsSahara Refund: Are You Eligible for ₹10,000 Crore?
Millions of Sahara depositors can claim their money back through the government's CRCS portal. If you or a family member invested in Sahara schemes, here's who qualifies, how to file, and what to do if your claim gets stuck.
NDTV Profit - LatestSole Proprietorship: 5 GST Mistakes That Cost You
Starting a sole proprietorship in India is free and simple, but GST registration, Udyam enrolment, and tax compliance trips up most new business owners. Here's what you must get right from day one.
taxguruinBuying Property? 3 Hidden Risks Cost ₹50L+
Even after checking title deeds and encumbrance certificates, your property purchase can hide unregistered rights — like family arrangements, oral agreements, or possession claims — that courts can uphold against you as the new buyer.
freefincalNew Company? ₹1 Delay Rule That Can Shut You Down
When you register a new private company in India, founders must deposit their share subscription money into the company's bank account within strict deadlines — 180 days for INC-20A filing, 30 days for share certificates, and more. Missing these deadlines can mean penalties or even company closure.
taxguruinFunding a Foreign Degree? 5 Money Rules to Follow
Studying abroad can cost ₹50 lakh to ₹1.2 crore all-in. Without a clear funding plan — covering forex risk, loan limits, and a rainy-day buffer — families end up financially stretched for years after the degree ends.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News₹10,000Cr SME Fund: Can Your Business Get It?
The government is likely to approve a ₹10,000 crore SME Growth Fund soon. If you run a small business, this could mean easier access to affordable loans and equity capital — here's what it means for you.
NDTV Profit - LatestJeevan Pramaan 2026: Is Your Pension Safe in 5 Steps?
Senior pensioners aged 80 and above can submit their Digital Life Certificate from October 1, 2026 — one month before others. Multiple options exist including face scan on a smartphone, biometric at a bank, or doorstep banking. Missing the deadline can freeze your monthly pension.
Wealth-Economic TimesSikkim DA Hike to 60%: Does Your State Owe You More?
Sikkim raised Dearness Allowance for state employees and Dearness Relief for pensioners effective January 1. Revised-pay employees now get 60% DA, up from 58%. Pre-revised pay scales moved from 257% to 262%. Here is what this means for your take-home pay and why other state employees should check their own DA status.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsECLGS Loans: Is Your Business Getting Its Share?
The Emergency Credit Line Guarantee Scheme (ECLGS) gives government-backed loans to businesses hit by COVID. If you own a small business and haven't checked your eligibility, you may be leaving free guarantee cover on the table.
NDTV Profit - LatestPaying Abroad? 20% TDS Risk on Tech Payments
When Indian businesses pay foreign companies for software or tech services, tax treatment depends on whether it is royalty or a technical service. Getting it wrong means paying 20% TDS instead of a lower treaty rate — and that hits your company's cash flow hard.
taxguruinToo Much Gold? Your ₹10L May Be a Risk — Oct 2026
Putting a large chunk of your savings into gold feels safe, but experts say going beyond 10-15% of your total wealth in one asset — even gold — is a hidden risk most Indian families overlook.
NDTV Profit - LatestIndia's Pension Gap: Is Your Old Age Funded?
India's top economist says most Indians aren't saving enough for retirement. Pension assets are just 17% of GDP — far behind developed countries. If you don't act now, you may run out of money in old age.
mint - moneyMumbai Home Demand at 14-Year High: Your EMI Risk?
Mumbai saw its highest September property registrations in 14 years. If you are planning to buy a home in Mumbai or any major city, here is what surging demand means for your loan, your budget, and your timing.
NDTV Profit - LatestGST ITC Reversal: 5 Rules That Can Hit Your Cash Flow
If your business claims GST input tax credit it is not entitled to, the government can demand it back with 18% interest. Here are the key situations where ITC must be reversed and what small business owners must do.
taxguruinRetire at 50 with ₹2Cr? 3 Gaps That Kill Plans
Many Indians dream of retiring at 50 with a big FD corpus. But fixed deposits alone rarely beat inflation over a 30-40 year retirement. Here's what your plan actually needs to survive the long haul.
freefincal5 Money Mistakes That Erase Your Salary Gains
Most Indians earn more every year but don't build real wealth. Bad money habits — lifestyle inflation, ignoring debt, no emergency fund — silently drain your salary. Here's how to spot and fix them before it's too late.
freefincalFake Net Worth, Real Default: Is Your Bank Safe?
A top businessman is accused of faking his net worth to get ₹1,000 crore in bank loans that later defaulted. Here's how loan fraud works, what banks miss, and what it means for your deposits and credit.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineNSE IPO 2025: Will You Actually Get Any Shares?
NSE plans to announce its IPO price band by September 11 and list shares in the third week of September. Here's what every retail investor must know before applying — including why most people won't get allotment.
NDTV Profit - LatestDA Arrears Delayed? Your ₹14,191 Cr at Risk
A state government has told the Supreme Court it cannot pay ₹14,191 crore in Dearness Allowance arrears in 14 days. If you are a state government employee, your DA backlog may take much longer than the court ordered.
NDTV Profit - LatestPension Arrears Paid: Is Your State Owing You Money?
Himachal Pradesh is paying 35% of pending salary arrears to state pensioners, with an extra ₹20,000 for Class-IV retirees. If you or a family member is a government pensioner anywhere in India, unclaimed arrears may be sitting in state accounts — here's what you need to know.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News8th Pay Commission: Will Pre-2026 Pensions Get Revised?
The government has forwarded demands to revise pensions for retirees who retired before 2026 to the Department of Expenditure. Here is what this means for lakhs of central government pensioners and their families.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsBRICS 2026: Delhi Hotel Surge — Can You Still Travel?
Delhi hotel prices have shot past ₹1 lakh per night ahead of the BRICS Summit. This is a real lesson in how major events spike travel costs — and why booking early or choosing alternative stays can save you thousands.
NDTV Profit - LatestLoan Waiver Blocked by Aadhaar? 3 Fixes for Farmers
Farmers applying for loan waivers often get stuck when Aadhaar fingerprint scans fail due to worn skin or old age. Alternative verification through local officials can unlock your waiver — here's how to use it.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsHigh-Yield Bonds: Is the Extra 4% Worth Your Risk?
High-yield bonds pay more interest than safe government or AAA bonds, but they come with real default and liquidity risk. Before chasing the extra return, Indian investors need to understand credit ratings, portfolio limits, and what happens when an issuer can't pay back.
mint - money