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Investing News India

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SIPs, mutual funds, direct stocks, ETFs and general investing news.

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Investing

Jio IPO 3.65X Subscribed: Will You Get Shares?

Jio Platforms' IPO crossed 3.65X subscription on Day 2, with institutional investors snapping up 9.42X their quota. Retail investors are fully subscribed too. Here's what this means for your allotment chances and what to do before bidding closes.

Inc42 Media
Investing

PMS Overhaul: Your ₹25 Lakh Fund Route Explained

SEBI's board approved a fresh rulebook for portfolio managers. If you invest through one, you could get a mutual-fund-only service from ₹25 lakh, a fixed-fee cap of 1%, unlisted bonds only with your consent, and a simpler agreement.

Securities and Exchange Board of India (SEBI)
Investing

SGBs Return 192%: Should You Redeem or Hold?

Sovereign Gold Bonds from the 2020-21 Series VII are eligible for premature redemption in October 2026 at ₹14,614 per unit — nearly tripling a ₹1 lakh investment. Here's how to decide whether to cash out or stay invested.

Wealth-Economic Times
Investing

AT-1 Bonds: Your ₹8,415 Cr Risk Explained

AT-1 bonds sound like safe fixed-income investments but can be wiped to zero if a bank collapses. The Yes Bank case shows exactly how this hidden risk plays out for ordinary investors who chased high interest rates.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

SEBI's PRIM Route: Is Your ₹25L Portfolio Eligible?

SEBI has launched PRIM, a new route where registered Portfolio Managers can manage your mutual fund investments using direct plans. You need at least ₹25 lakh to use it, and fees are negotiated directly with the manager — no hidden distributor commissions.

Investing

1 Statement for All Assets: Is Your CAS Changing?

SEBI is working on upgrades to the Consolidated Account Statement so investors can see all their financial assets — stocks, mutual funds, bank deposits, and insurance — in one place. A public consultation paper is expected soon.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

2 Kotak Debt Funds Frozen — Is Your SIP Safe?

Kotak Mutual Fund has stopped accepting new investments in two debt funds linked to Yes Bank AT1 bond losses. Existing investors are not blocked from redeeming, but fresh SIPs and lump sums are paused until valuation issues are resolved.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

Yes Bank AT-1 Bonds: ₹13,000 Cr Write-Off Quashed

India's Supreme Court upheld a ruling that Yes Bank cannot simply write off AT-1 bonds worth over ₹13,000 crore. This is big news for retail investors who lost money and a warning for anyone holding bank bonds today.

Latest Money & Banking, Financial News Today - news | The HinduBusinessLine
Investing

RBI's CAS Update: See All Your Money in 1 View

RBI plans to add bank deposits like savings accounts and FDs to the Consolidated Account Statement (CAS). Right now CAS only shows mutual funds and stocks. Soon, you may see everything in one document.

Investing

SEBI's Investor Drive: Are You Protected in 2025?

SEBI has launched Project Jagrook, a nationwide investor awareness push. If you invest through any broker app or mutual fund platform, you will start seeing new educational messages and warnings. Here is what it means for your money.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

SEBI's PRIM Route: Who Should Invest ₹25L?

SEBI has introduced a new route called PRIM that lets investors hand over their mutual fund portfolio to a professional manager for a minimum of ₹25 lakh — half the earlier ₹50 lakh limit for Portfolio Management Services. Here's what this means for upper-middle-class Indian investors.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

Death Certificate: 5 Steps to Protect Your Family's Money

Without a death certificate, your family cannot claim insurance, withdraw FDs, transfer property, or settle investments. Here is what documents you need, how to register, and what the October rule changes mean for you.

mint - money
Investing

Paying a Financial Adviser? 5 Signs You're Wasting Money

Many Indians hire financial advisers just to get stock or fund picks — but that's not what a good adviser is for. Here's what you should actually expect, and how to know if your adviser is worth the fee.

freefincal
Investing

Loan Against Investments: Is Your FD or MF Enough?

Banks are launching new digital tools — borrow against stocks or mutual funds up to ₹5 crore, and move your FASTag between banks without replacing it. Here's what these changes mean for your money.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

Start SIP at 30 vs 40: ₹2 Crore Gap Explained

Investing ₹10 lakh at age 30 can grow to nearly ₹3 crore by retirement at 12% returns. Wait until 40 and you get less than ₹1 crore. That one decade of delay quietly costs you over ₹2 crore.

NDTV Profit - Latest
Investing

UPI MDR Is Back: Will Your Loan App Bill You?

UPI transactions above ₹2,000 on merchant QR codes may attract a small MDR fee. Your SIP amount won't be cut, but fintech lenders and loan apps disbursing money via UPI could quietly pass this cost to borrowers through higher processing charges.

mint - money
Investing

SIP Running 5 Years? Your Goal May Still Be Off Track

Investing in SIPs is only half the job. The other half is checking whether your money is actually growing enough to meet your real goals — like a child's college fund or retirement. Most people skip this review entirely.

freefincal
Investing

Retiring at 45? Why 4% Rule Fails Your SIP Corpus

The popular 4% withdrawal rule was designed for 30-year retirements in the US — not 40+ year early retirements in India. Rising inflation and longer life expectancy make it risky for Indians retiring at 45.

mint - money
Investing

₹25,000 SIP for 30 Years: Your Crore-Worth Plan?

A monthly SIP of ₹25,000 in an equity mutual fund can grow to nearly ₹85 lakh in 10 years, over ₹2.5 crore in 20 years, and potentially ₹8-9 crore in 30 years — all thanks to compounding and rupee-cost averaging working silently for you.

NDTV Profit - Latest
Investing

Sensex at 89,000? What Your SIP Gets by 2027

A major global bank predicts Sensex could hit 89,000 by mid-2027 — a 16% rise from current levels. Here's what that means for your SIP, mutual fund portfolio, and when to stay invested.

NDTV Profit - Latest
Investing

Active vs Index Funds: Which Costs You Less?

Active funds charge more fees and try to beat the market. Index funds copy the market cheaply. For most Indian salaried investors, the low cost of index funds beats most active funds over 10+ years.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

₹5 Lakh to Invest? FD vs SIP vs Lumpsum Explained

Got ₹5 lakh sitting in your bank? Where you put it — FD, SIP, or lumpsum in mutual funds — depends on when you need the money, how much risk you can handle, and what your goal actually is.

NDTV Profit - Latest
Investing

₹10K SIP for 28 Years: Can You Build ₹7 Cr?

A flexi-cap mutual fund SIP of ₹10,000 per month, running for nearly 28 years, has grown to over ₹7 crore. This is the compounding story every Indian salaried person needs to understand before skipping their next SIP.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

US Stocks from $50: What Your Portfolio Gets Now

Indian investors can now buy ready-made portfolios of US stocks and global ETFs through curated smallcase-style baskets, starting at around $50. This opens international diversification to middle-class investors without needing large capital or deep market knowledge.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

Buy Gold in 3 Ways: EMI, Digital & Exchange

Jewellery brands now let you buy gold via EMIs, digital gold apps, or exchange old jewellery for new. Here is what each option really costs you and which one suits your budget best.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News
Investing

16 Funds Beat 20% SIP Returns: Is Yours One?

Only 16 mutual funds gave over 20% annualised SIP returns in 10 years. A ₹10,000 monthly SIP grew to ₹38.8 lakh. Small-cap and mid-cap funds led the list, with Nippon India Small Cap Fund topping at 22.51%.

mint - money
Investing

₹1 Crore by 45: Your SIP Amount at 25 vs 35

Want ₹1 crore by age 45? Starting a SIP at 25 needs far less monthly investment than starting at 35. The earlier you begin, the harder compounding works for you — here's the exact math.

mint - money
Investing

1 Portfolio Mistake: Are You Under- or Over-Risking?

Many Indians either keep all money in FDs or go all-in on stocks. Both extremes are risky. A balanced mix of safe and growth investments — adjusted to your age and goals — is what actually builds wealth over time.

freefincal
Investing

IPPB's 16.5Cr Users Get MF & Insurance Access

India Post Payments Bank has launched new platforms for mutual fund investments and insurance — covering life, health, and general cover. Its 16.5 crore customers, many in rural India, can now invest and insure directly through IPPB without visiting a separate bank or agent.

mint - money
Investing

4 SEBI ETF Rules from Sep 7: Your Trades Change

SEBI is changing how ETFs are traded on Indian exchanges from September 7. New rules cover pricing, daily price bands, pre-open auctions, and closeout procedures — affecting every retail investor who buys or sells ETFs.

Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News

❓ Investing — Quick Answers

What is a SIP and how does it work?
Systematic Investment Plan lets you invest a fixed amount monthly into a mutual fund. Auto-debit from your bank makes it hands-off. Benefits: rupee cost averaging (buying more units when prices are low), disciplined investing, small ticket size (Rs 500 minimum). Ideal for equity funds with 5+ year horizon.
How much should I invest via SIP monthly?
Common rule: 20-30% of monthly income if you're young and starting early. If saving for a specific goal (retirement, house), work backwards: Rs 5,000/month at 12% for 30 years grows to about Rs 1.5 crore. Increase SIP by 10% annually to match income growth (called Step-Up SIP).
Are mutual fund returns taxable?
Yes. Equity funds: 15% STCG (<1 year), 12.5% LTCG on gains above Rs 1.25 lakh/year (>1 year). Debt funds: taxed at your slab rate as per current rules. TDS applies at 10% on dividends. AMCs send capital gains statements you can use directly in ITR filing.
How do I pick a mutual fund?
Match fund category to your goal and horizon. For 5+ years, equity funds; 3-5 years, hybrid; 1-3 years, debt or arbitrage. Check 5-year and 10-year returns (not just 1-year), expense ratio (lower is better), and consistency of fund manager. Direct plans save 0.5-1% annually over regular plans.

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