Personal Finance

SBI Funds Management IPO by the numbers: 25 facts every investor should know before the issue closes

On its second day of subscription, the IPO was subscribed 2.77 times by 4:51 pm on July 15, driven by strong demand from Non-Institutional Investors (NIIs), whose quota was subscribed 6.58 times. The Qualified Institutional Buyers (QIBs) portion was booked 1.5 times, while the Retail Individual Investors (RIIs) segment saw 1.6 times subscription

Unity Small Finance Bank hikes 501-day FD rate to 8%; senior citizens to earn up to 8.5%
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Can fluctuating gold prices impact your home loan EMI? Here's the link to borrowing costs

Investment

SBI Funds Management IPO by the numbers: 25 facts every investor should know before the issue closes

In addition to fixed deposits, Unity Bank also offers attractive returns on savings accounts.

Unity Small Finance Bank hikes 501-day FD rate to 8%; senior citizens to earn up to 8.5%

India is one of the world's largest consumers and importers of gold. When international gold prices rise, the country's import bill can increase, widening the current account deficit and putting pressure on the rupee.

Can fluctuating gold prices impact your home loan EMI? Here's the link to borrowing costs

When you buy physical gold you pay a 3% GST. Converting into an EGR or trading of EGR doesn’t incur any GST. However, converting the EGR back into physical gold once again incurs 3% GST.

EGR can help reduce India’s gold import dependence, but there is one speedbump

As investor confidence improves, money typically shifts from defensive assets such as gold to equities and other risk assets.

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SGB 2020-21 Series-IV was issued at Rs 4,802 per gram for investors who subscribed online after receiving the Rs 50 per gram digital discount.

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Market participants will continue to track global economic data, US interest rate expectations and currency movements for further direction in precious metal prices.

Gold, silver prices today (July 15): Yellow metal drops 0.5%; Silver hits ₹2.22 lakh; Check latest rates here

Bank FDs generally offer greater flexibility through premature withdrawals, although a penalty may apply. Post office schemes, on the other hand, have stricter lock-in periods.

Getting 7%+ on FDs? Compare them with PPF, SCSS, NSC at post office before you invest

Interest rates vary by lender, credit score and loan tenure. Higher credit scores usually mean lower rates.

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Gold Rate Today: On Tuesday, July 14, 2026, gold was at Rs 1,40,580 per 10 grams, while silver 999 fine was at Rs 2,17,750 per kg as of 06.50 am.

Gold allocation explained: Here's how much of your ₹10 lakh or ₹50 lakh portfolio should be in gold

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Tax

The new tax regime still allows the ₹75,000 standard deduction and employer NPS deduction under Section 80CCD(2).

ITR Filing 2026: These 15 deductions you cannot claim under the New Tax Regime

Ensure the salary income, TDS and deductions reported in Form 16 match the information available in AIS and Form 26AS.

Before filing your ITR, complete this 10-minute checklist to avoid an Income Tax notice

Experts have stressed that merely investing in Indian securities does not create taxable income.

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Taxpayers to carefully compare the AIS with Form 16, Form 26AS, bank statements, interest certificates and capital gains statements before filing their return.

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Many buyers are unaware that the 1% TCS collected by the dealer on vehicles priced above ₹10 lakh is not a permanent tax outgo.

ITR filing 2026: Bought a car above ₹10 lakh? You may be able to claim back the 1% TCS while filing your tax return

ITR-1 remains available for resident individuals with total income of up to ₹50 lakh from salary, pension, up to two house properties and other specified sources.

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Personal Finance

Investment

SBI Funds Management IPO by the numbers: 25 facts every investor should know before the issue closes

Unity Small Finance Bank hikes 501-day FD rate to 8%; senior citizens to earn up to 8.5%

Can fluctuating gold prices impact your home loan EMI? Here's the link to borrowing costs

EGR can help reduce India’s gold import dependence, but there is one speedbump

Gold rates in July: Five reasons yellow metal prices may remain under pressure through 2026

SGB 2020-21 Series-IV redemption at Rs 14,307: Returns, tax rules and ITR filing explained

Gold, silver prices today (July 15): Yellow metal drops 0.5%; Silver hits ₹2.22 lakh; Check latest rates here

Getting 7%+ on FDs? Compare them with PPF, SCSS, NSC at post office before you invest

Instant loan approved in minutes? Here's what lenders don't tell you

Gold allocation explained: Here's how much of your ₹10 lakh or ₹50 lakh portfolio should be in gold

Retirement Planning

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Beyond waterproofing: Why home insurance matters during the monsoon season

Health insurance for 8 years? Why insurers can reject your claim even after 8 years of coverage

Monsoon diseases are rising: Are you financially prepared for a health emergency?

Will using E20 petrol affect your motor insurance claim? Here's what policyholders should know

Insurance commission overhaul: IRDAI's proposal can boost customer trust, curb mis-selling: Experts

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