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Financial Planning News India

Last updated: (today)

Emergency funds, financial goals, cash flow planning and general money management.

📰 Latest Financial Planning News

Financial Planning

41 Restaurants Fined: Did You Pay Illegal Charges?

The government's consumer watchdog has cracked down on 41 restaurants for adding service charges to bills without telling customers. This charge is not mandatory — you have the legal right to refuse it and ask for it to be removed.

mint - money
Financial Planning

DA Hike 3-4%: How Much Extra Will You Take Home?

Dearness Allowance for central government employees may rise 3-4% soon, taking DA from 60% to around 63-64% of basic pay. This means higher monthly salary, bigger gratuity, and better HRA for over 1.15 crore employees and pensioners.

mint - money
Financial Planning

India-UK FTA: What It Saves Your Wallet in 2025

India and the UK have signed a Free Trade Agreement. For Indian professionals in the UK, a social security deal means no double contributions. For MSMEs and small exporters, new market access could mean bigger income. Here's what it actually means for your money.

NDTV Profit - Latest
Financial Planning

Delhi's ₹2,500/Month Scheme: Do You Qualify?

Delhi government plans to give ₹2,500 every month directly to eligible women through bank transfer. If you live in Delhi, here is what we know so far about who can apply and when it starts.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Financial Planning

Monsoon Wedding? 6 Costs That Can Wreck Your Budget

Monsoon weddings look beautiful and cost less on paper — but surprise rains, venue damage, and cancellations can blow your budget. Here's how to protect your money before you say 'I do' this season.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Financial Planning

Annapurna Yojana: 8 Reasons Your Payment Is Delayed

West Bengal's Annapurna Yojana sent money to 1.1 crore people, but 26 lakh applications were rejected. If your payment hasn't arrived, here are 8 common reasons why — and what you can do about it.

mint - money
Financial Planning

8th Pay Commission: Submit Your Data in 5 Steps

The 8th Pay Commission is collecting data from government employees, pensioners, and unions to recommend salary revisions. If you are affected, submitting your details now could directly shape your future pay and pension.

mint - money
Financial Planning

SBI VRS Denied After Death: Does Your Family Get ₹9.48L?

If your VRS application is already approved but you die before the official retirement date, your family still has a legal right to receive the full VRS payout. A High Court just confirmed this.

Wealth-Economic Times
Financial Planning

Fake Advisor Busted: Is Your Stock Tip Legit?

SEBI has cracked down on Anurag Jaiswal of Zara Portal for giving investment advice without a valid SEBI registration. If you follow unregistered advisors online, your money is at serious risk with no legal safety net.

SEBI RSS Feed
Financial Planning

8th Pay Panel: Submit Your Salary Data by 31 July

The 8th Pay Commission has extended its online data collection deadline to 31 July 2025. Central govt employees and pensioners should submit their pay details now — this data shapes your future salary and pension revision.

mint - money
Financial Planning

ECLGS Hits ₹1.55L Cr: Is Your MSME Loan Covered?

The government's ECLGS scheme has now guaranteed over ₹1.55 lakh crore in loans, with small businesses making up 98% of beneficiaries. If you run a small business, here's how to use it.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Financial Planning

Salary Withheld 3+ Years? Your Legal Rights Explained

An Odisha HC ruling confirmed that withholding an employee's salary for years — even during a disciplinary case — violates their right to life. Here's what every salaried Indian should know about protecting their wages.

Wealth-Economic Times
Financial Planning

DA Merger Demand: Will Your Basic Pay Jump in 2025?

Central government employee unions are pushing for DA merger with basic pay, inflation-linked hikes, and other reforms. Here is what these demands mean for government employees, pensioners, and even private sector workers watching from the sidelines.

mint - money
Financial Planning

Delhi EV Switch: Claim ₹1 Lakh Before Your Neighbours Do

Delhi's new EV policy gives four-wheeler owners up to ₹1 lakh in scrappage incentives when they junk their old petrol or diesel car and buy an electric vehicle. Here is how the money works and how to claim it.

mint - money
Financial Planning

Daughter's Property Share: Can a Father Sign It Away?

A court ruled that a father cannot give away his daughter's share in ancestral property to his son. Under Hindu law, daughters are co-owners of ancestral property by birth — not by anyone's permission.

Wealth-Economic Times
Financial Planning

Middle Class Spending: Is Your Budget Built to Last?

India's middle class is being credited for driving economic growth through consumption. But if your spending is powered by loans and not savings, you could be building someone else's economy while weakening your own financial future.

Economy | The Indian Express
Financial Planning

8th Pay Commission: How Much Arrears You May Get?

The 8th Pay Commission is expected from January 2026. Entry-level government employees at Level 1 could receive big salary hikes and one-time arrears depending on which fitment factor gets approved — here is what it means for your wallet.

Wealth-Economic Times
Financial Planning

Net Worth Hit ₹1Cr? Your Money Goals Must Shift

Once your wealth grows past a point, the old rules of saving and investing stop working. You need a new plan that protects what you have, keeps cash ready, and builds something that lasts beyond you.

mint - money
Financial Planning

Annapurna Yojana: Are You 1 of 1.2 Cr Eligible Women?

The government's Annapurna Yojana scheme has confirmed 1.2 crore eligible women beneficiaries out of 1.5 crore applicants. If you or a family member applied, here's how to check your status and claim ₹3,000 assistance.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Financial Planning

Temp Govt Workers Win Pension: Is Your Retirement Safe?

The Supreme Court ruled that temporary government employees who served long enough are entitled to pension — even without formal regularisation. This means lakhs of workers can now claim retirement benefits they were wrongly denied.

Wealth-Economic Times
Financial Planning

Delhi EV Tax Waiver: Save ₹2.5L on Your Car?

Delhi's new EV policy removes road tax on electric cars priced up to ₹30 lakh. If you were planning to buy an EV, this policy could save you lakhs — but there are conditions to know before you book.

mint - money
Financial Planning

Delhi EV Subsidy 2025: Save ₹30,000 on Your Next Bike?

Delhi's new EV policy offers purchase incentives up to ₹30,000 for two-wheelers and ₹1 lakh for electric trucks. If you're planning to buy an electric vehicle in Delhi, this could seriously cut your upfront cost and lower your EMI burden.

mint - money
Financial Planning

Passport Fees Up 139%: Budget Your July 2026 Renewal

From July 1, 2026, getting or renewing an Indian passport will cost significantly more — up to 139% higher than current rates. If you or your family need passports soon, applying before July 1 could save you thousands of rupees.

Wealth-Economic Times
Financial Planning

₹3.5Cr Saved, Zero Spent: Is Your Parent's Plan Broken?

Millions of Indian retirees have enough money but live like they don't. They save for children who don't need it, while missing out on comfort, healthcare, and joy in their final years. Here's how to fix that.

freefincal
Financial Planning

8th Pay Commission: Will Your DA Reset to Zero?

Employee unions want the 8th Pay Commission to fix how Dearness Allowance is calculated — using a better cost-of-living index so salaries actually keep up with real inflation, not just official numbers.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Financial Planning

8th Pay Commission: Is Your DA Keeping Up With Inflation?

The 8th Pay Commission is being asked to fix how Dearness Allowance is calculated. The current formula may undercount real inflation, meaning government employees and pensioners could be getting less protection against rising prices than they deserve.

mint - money
Financial Planning

8th Pay Commission: Will Your DA Formula Change?

Defence and civilian employees want the 8th Pay Commission to use a different inflation index for calculating DA. The choice of index directly affects how much dearness allowance government staff receive every six months — and by how much their take-home pay actually keeps up with rising prices.

Wealth-Economic Times
Financial Planning

Moving Back to India? Your ₹60K Budget Falls Short

NRIs planning to return to Indian metros are shocked by real living costs. A family of four needs ₹2.5–3.5 lakh monthly in cities like Bengaluru or Mumbai — not the ₹60,000 many assume from outdated memories.

mint - money
Financial Planning

Track All Investments in 1 Tool: Is Your Data Safe?

A new offline-first investment tracker called NaviPlan lets Indians monitor mutual funds, stocks, and FDs in one place — without uploading personal financial data to any server. Here's why that matters for your privacy and financial planning.

freefincal
Financial Planning

Misleading Food Labels? Your ₹500 Health Buy May Be a Scam

India's food regulator FSSAI has flagged over a dozen food brands for making false or misleading health claims. Yet these products are still being sold on quick commerce apps. Here's how to protect your wallet and health.

MEDIANAMA

Financial Planning — Quick Answers

How much emergency fund do I need?
3-6 months of monthly expenses is the standard recommendation. If your income is variable or you have dependents, aim for 6-12 months. Keep this money in a savings account, sweep-in FD, or liquid mutual fund — instant access matters more than yield. Rebuild after any drawdown.
What are the basics of a personal budget?
50/30/20 rule is a good start: 50% for needs (rent, groceries, EMI), 30% for wants (dining, travel), 20% for savings and debt repayment. Track actual spending for 2-3 months against these categories before making adjustments. Automation (auto-invest, auto-bill-pay) helps stick to the plan.
In what order should I pay off multiple loans?
Highest interest rate first (avalanche method) saves the most money mathematically. Smallest balance first (snowball method) builds motivation through quick wins. Credit card debt (usually 30-40% interest) should be prioritized either way. Refinancing high-rate loans via a personal loan can lower blended cost.
When should I start investing?
As early as possible — compounding works exponentially with time. Even Rs 2,000/month started at 25 becomes ~Rs 1 crore by 60 at 12% returns. Don't wait for 'enough' income; start with what you have. Priority: emergency fund → high-interest debt payoff → retirement + goal-based investing.

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