SGB vs Gold ETF vs Physical: Which Actually Wins After Tax and Liquidity?
February 25, 2026
Most investors focus only on gold price movement. However, the way you invest in gold significantly impacts taxation, liquidity, and long-term returns. Sovereign Gold Bonds (SGBs), Gold ETFs, and physical gold behave differently despite tracking the same underlying commodity. The ... Read more
Last-Minute Tax Saving: The 7 March Mistakes That Quietly Cost You Money
February 25, 2026
Every year in March, salaried employees rush to save tax without reviewing their actual taxable income structure. This panic-driven investing often results in locking money into unsuitable products, missing documentation deadlines, or overinvesting in low-return instruments. The Indian tax system ... Read more
Health Insurance Claim-Proof Checklist: Do This Before Hospitalization
February 25, 2026
Many policyholders assume that once they have insurance, every hospital bill will be fully reimbursed. In reality, claim rejections and deductions are common due to policy conditions like room rent limits, exclusions, waiting periods, and documentation gaps. Industry-level claim settlement ... Read more
Term Insurance in India: The No-Nonsense Rules to Choose the Right Cover
February 25, 2026
Term insurance is the simplest form of life insurance. It pays a lump sum to your nominee if you pass away during the policy term. It does not offer maturity benefits. That is why premiums are significantly lower compared to ... Read more
NPS Strategy: The 80CCD(1B) Tax Benefit Setup + Allocation Rules People Mess Up
February 24, 2026
The National Pension System (NPS) is one of the most powerful retirement and tax-saving tools available in India. However, many investors use it incorrectly — either investing randomly for tax benefits or choosing poor asset allocation that reduces long-term returns. ... Read more
PF Passbook Update Timing: When Interest Appears and How to Check Correctly (No Panic)
February 24, 2026
Many Employees’ Provident Fund (EPF) members panic when they don’t see interest credited in their PF passbook for months. This often leads to confusion, unnecessary complaints, and fear that interest has not been added. The reality is simple — PF ... Read more
PF Transfer Problems? A Decision-Tree Guide to Fix UAN, Service History, and Claim Issues
February 24, 2026
Employees often face problems while transferring their Provident Fund (PF) balance after changing jobs. Issues like incorrect UAN details, service history mismatch, claim rejection, or pending approvals can delay transfers for months. Most PF transfer problems occur due to small ... Read more
Last-Minute Tax Saving Checklist: Avoid the 7 March Mistakes That Cost You Money
February 24, 2026
As the financial year-end approaches, many taxpayers rush to make last-minute investments just to save tax. This panic-driven approach often leads to wrong financial decisions, unnecessary purchases, and missed deductions. Tax saving should reduce your tax liability without harming your ... Read more
ITR Due Date Extended to Aug 31, 2026 (For Many): Who Gets It + Month-Wise Checklist
February 21, 2026
Tax filing deadlines often create confusion, last-minute stress, and costly mistakes. Many taxpayers either rush their filing process or miss important compliance steps because they misunderstand deadlines or assume more time is available. The tax filing deadline Aug 31 2026 ... Read more
Travel Money Planning in 2026: The Cash-Block Problem Most People Ignore (and the Workaround)
February 21, 2026
International travel planning usually focuses on flights, hotels, and itineraries — but many travellers ignore one critical factor: tax-related cash blockage. When booking foreign travel or spending abroad, a portion of your money may get blocked temporarily due to tax ... Read more