Investing

Sovereign Gold Bond Tax: Interest, Redemption and Sale

SGB interest is taxed at slab rates yearly. Maturity gains are tax-free only for original subscribers; other exits pay 12.5% LTCG.

GOI Floating Rate Bond 2028 Interest Rate Set at 6.45 Per Cent

The Reserve Bank of India set the interest rate for Government of India Floating Rate Bond 2028 at 6.45 per cent per annum for…

How to Open a Sukanya Samriddhi Account at the Post Office

Open an SSY account at a post office with Form-1, the girl's birth certificate, the guardian's Aadhaar and PAN, and ₹250, before…

Post Office Time Deposit: Tenures, Rates and Tax Rules

A post office FD runs for 1, 2, 3 or 5 years at 6.9% to 7.5% for July-September 2026. Only the 5-year deposit gets the old-regime…

PPF Withdrawal, Loan and Extension Rules

PPF allows a loan in years 3 to 6, one partial withdrawal a year from year 7, early closure after 5 years for set reasons, and…

Unlisted Shares in India: How They Are Bought, Held and Taxed

Unlisted shares move by off-market demat transfer at a privately agreed price. Gains are long-term after 24 months and taxed at…

Buying Gold on Dhanteras 2026: Bills, GST, Cash Limits and Tax

Dhanteras gold buying: check the hallmark, pay 3% GST, give PAN above ₹2 lakh, avoid ₹2 lakh+ cash, and keep the bill for capital…

SGB Premature Redemption: How to Exit a Sovereign Gold Bond Early

Redeem an SGB early after five years on an interest date through your bank, post office or broker, or sell it on the exchange any…

SWP in Mutual Funds: How a Systematic Withdrawal Plan Works

An SWP sells enough mutual fund units on a fixed date to pay you a set amount. Each payout is a redemption, so exit load and…

Gold Hallmark and HUID: How to Check if Your Jewellery Is Genuine

Hallmarked gold carries the BIS logo, a purity grade such as 22K916 and a 6-character HUID. Check the HUID in the BIS Care app…

NPS Withdrawal Rules: Lump Sum, Annuity and Early Exit

Private-sector NPS subscribers can take up to 80% as cash at normal exit and all of it if the corpus is ₹8 lakh or less;…

Form 15G and 15H Are Now Form 121: Who Can Submit It and How

From 1 April 2026, Form 121 replaces Form 15G and 15H. Submit it to each bank or payer to stop TDS if tax on your total income…

Muhurat Trading 2026: Diwali Session Timings and Rules

Muhurat trading 2026 is on Sunday, 8 November. NSE and BSE will announce the session timings in a separate circular before Diwali.

NPS Vatsalya: How to Open a Pension Account for Your Child

Parents can open NPS Vatsalya for a child under 18 through eNPS or a bank with ₹250. The account moves to the child at 18.

Stock Market Holidays 2026: NSE and BSE Trading Holiday List

NSE and BSE have 16 weekday trading holidays in 2026. Next up: 2 October, 20 October, 10 November, 24 November and 25 December.