ReLakhs

A lot of salaried individuals assume their EPF money is always tax-free the moment it lands in their account. That’s not entirely true!

Whether your EPF withdrawal gets taxed—or how much of it does—depends on a mix of factors, like:

How many years you’ve been in continuous service Why you’re withdrawing the money in the first place Whether it’s a full ...

One of the biggest changes introduced under the EPF Scheme, 2026 is the concept of mandatory and voluntary EPF contributions.

Many employees are asking:

Is EPF now capped at ₹1,800 per month? Can I still contribute on my full Basic Salary? Is this the same as VPF? Will my employer cont...

When we buy a life insurance policy, most of us start by comparing companies on their Claim Settlement Ratio. Some of us also look at premium rates, bonuses, or how strong the brand feels.

But there’s one more metric that rarely gets discussed—the life insurance persistency ratio.

This ratio, published every year by IRDAI, shows how consis...

Most mutual fund investors look at past returns first. Questions like “Which fund gave the highest 5-year return?”, “Which fund has the highest CAGR?”, or “Which fund has a 5-star rating?” come up all the time.

And yes, returns matter. But they are only one part of the picture.

Think of two equity mutual funds that both delivered 15% annual returns over th...

If you’re in your 50s or 60s, you’ve probably heard someone say, “Those were the days… banks used to offer 12% interest on fixed deposits!” And if you’re a younger investor, you may have wondered, “Did FD rates really go that high?”

The answer is yes. But the story behind those rates is much more interesting.

In this article, let’s take a ...