Building wealth is not a straight journey from ₹10,000 to ₹10 crore. There is no investment product or fixed allocation that can reliably convert a small amount into a large fortune. Wealth usually develops through a combination of income, saving, investment returns, controlled spending and time. As financial assets g…

Multi-asset allocation funds invest across more than one type of asset. A portfolio may combine Indian equities, debt securities, gold, silver, international investments, real estate investment trusts, infrastructure investment trusts and short-term money-market instruments. Although these schemes sit within the same …

Buying or selling property in India while living abroad involves more than selecting a home and agreeing on a price. A Non-Resident Indian must consider foreign-exchange rules, title verification, taxation, TDS, banking channels and repatriation of sale proceeds. The Income-tax Act, 2025 applies from April 1, 2026, wh…

Tax filing can become confusing for futures and options traders because the value of contracts traded may be much larger than the capital deposited with the broker. This often creates a mistaken belief that every active trader requires a tax audit. For Assessment Year 2026–27, which covers income earned during Financi…

Home ownership has traditionally represented stability, social progress and financial security for many Indian families. A common middle-class plan involved finding stable employment, saving for a deposit, taking a home loan and gradually building ownership. Some younger Indians are reconsidering that sequence. High p…

The National Pension System is intended primarily for retirement. Unlike an ordinary savings account, money held in an NPS Tier I account cannot always be withdrawn freely. The amount available as a lump sum depends on the type of exit, the subscriber’s sector, accumulated pension wealth and applicable PFRDA rules. Si…

The Securities and Exchange Board of India has revised the nomination process for demat accounts and mutual fund folios. The changes take effect on September 1, 2026, and are intended to make account opening simpler while ensuring that investors make a clear decision about nomination. The revised framework applies par…

GST TDS and GST TCS may sound similar, but they serve different purposes under India’s Goods and Services Tax system. Both mechanisms help the government track taxable transactions and improve tax compliance. However, they apply to different entities, transactions and payment arrangements. Understanding the difference…

The National Pension System, or NPS, is a market-linked retirement scheme regulated by the Pension Fund Regulatory and Development Authority. It allows subscribers to build a retirement corpus through regular contributions invested across different asset classes. Performance data published in 2026 shows that returns v…

The National Pension System has entered a more flexible phase with the introduction of the Multiple Scheme Framework, commonly known as MSF. Introduced by the Pension Fund Regulatory and Development Authority, the framework became available to non-government-sector NPS subscribers from 1 October 2025. Some commentator…