EDUCATION LOANS
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 25%
Are you looking at the Nifty to figure out whether to be bullish or bearish? If yes, cast your eye back to the day last year when the big correction started. Did all stocks start falling only after September 26, 2024, the day the indices peaked? No. Several stocks across segments began declining much before that day. The lesson: Focus on companies where the broader picture of growth is intact. And let the Nifty do what it is doing. Focus on the management, a key driver of earnings. Also, because GST rationalisation will likely impact earnings in a positive way, it is probably a good time to keep scepticism aside, but with conditions.
Rule of 72, withdrawal rule of 4% & more: 7 personal finance rules that help you in building wealth
This article outlines seven personal finance rules that can help you enhance your financial well-being. It covers investment doubling, retirement corpus calculation, income allocation, equity exposure based on age, borrowing limits, life insurance coverage, and emergency fund requirements. Following these rules provides a simplified approach to achieving financial goals and security.
CA shares story of how a Rs 2.8 lakh monthly earning couple's 'smart investment' turned into financial stress
A couple earning Rs 2.8 lakh per month purchased two properties, anticipating rental income to cover EMIs. However, their EMIs severely strained their finances, leaving minimal funds for other investments, even for their child's education. CA Nitin Kaushik warns against prioritizing real estate without considering liquidity and future financial needs.
What is a top-up home loan and how much can you get?
A top-up home loan offers borrowers with a good repayment history an additional loan on top of their existing home loan. The loan amount depends on the outstanding amount and repayment capacity. Interest rates are similar to home loans, and tenure aligns with the remaining home loan period. Funds can be used for various purposes, including home renovation and education.
'1.84 lakh seats offered across 286 government ITIs': UP CM Yogi Adityanath
Yogi Adityanath government approved instructor posts in Industrial Training Institutes. UP Subordinate Services Selection Commission declared instructor recruitment results. The government is working to link youth with employment. 92 trades are running across 286 government ITIs. Over the past eight years, the state government has established new government ITIs. The Uttar Pradesh Skill Development Mission is providing free skill training.
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US college and higher education fees: These key financial aids can help you fulfill your dream without burning your pocket
There are different types of financial aid and also different sources through which they can be sought such as federal and state agencies, colleges, high schools, foundations and corporations. However, it is pertinent to mention that the amount of aid available for a student depends on the respective guidelines. Several state agencies and schools use Free Application for Federal Student Aid (FAFSA) to determine college aid.
CoinSwith founder has an advice for parents who still asks their kids 'beta engineer toh ban jao'
CoinSwitch Co-founder Ashish Singhal highlights a concerning trend: companies are skipping campus placements in Karnataka's tier-2 and tier-3 engineering colleges, despite students incurring significant educational costs. He emphasizes that the demand for engineers has decreased due to AI, and skills are now more important than degrees.
Asking an educated, earning wife to contribute to household expenses is not 'cruelty': HC
The Calcutta High Court has stated that expecting an educated, working wife to help with household costs isn't 'cruelty' as defined by Section 498A of the IPC. This ruling came as the court dismissed criminal proceedings against a GSI employee and his family.
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
I need Rs 25 lakh for daughter’s college & Rs 5 crore for retirement. Can I do it with Rs 50,000 SIP?
Capricorn Weekly Horoscope (8th September – 14th September): Patience and discipline unlock progress and clarity
Capricorn Weekly Horoscope (8th September – 14th September): This week, Capricorn natives balance communication, career responsibilities, and relationships. The Moon transits from the Pisces, Aries, Taurus, and Gemini signs. Bring your focus to highlight ideas, family concerns, creativity, and health. With the Sun and Mercury in Leo, shared resources and financial matters gain importance. Venus in Cancer strengthens partnerships. Mars entering Libra on 13th September energises your career sector. Saturn retrograde in Pisces requires patience with decision-making. The Weekly Horoscope encourages persistence, diplomacy, and consistent efforts for long-term rewards.
Scorpio Weekly Horoscope (8th September – 14th September): Transformation unfolds; patience leads to steady rewards
Scorpio Weekly Horoscope (8th September – 14th September): This week for Scorpio natives focuses on creativity, work routines, and emotional growth. The Moon’s transit from Pisces, Aries, Taurus, and Gemini influences your passions, health, partnerships, and shared responsibilities. With the Sun and Mercury in the Leo sign, career advancement and leadership remain strong. Venus in the Cancer sign favours higher learning and spiritual pursuits. Mars’ entry into the Libra sign on 13th September activates introspection and healing. The Weekly Horoscope suggests embracing patience, self-reflection, and balance.
Libra Weekly Horoscope, 8th September – 14th September: Balance, harmony, and new beginnings shape the week
Libra Weekly Horoscope (8th September – 14th September): This week is significant for the Libra natives as Mars transits into your sign on 13th September, bringing energy, courage, and motivation. The Moon’s journey from Pisces to Gemini influences your health, relationships, career, and social connections. With the Sun and Mercury in Leo, friendships and communication remain strong, while Venus in Cancer boosts professional recognition. Saturn retrograde in Pisces reminds you to maintain discipline in routines. The Weekly Horoscope advises you to balance assertiveness with patience for steady growth.
From Wall Street to student street: How Nikkhil Mudgal is democratising global education finance
Nikkhil Mudgal, witnessing financial disparities, founded Lorien Finance to democratize global education. The New York-based fintech platform offers a full-stack ecosystem, integrating lending with essential support services like visa guidance and AI-powered counseling. Lorien has facilitated over $3 billion in lending, empowering students from underserved markets to pursue STEM and healthcare careers, fueling innovation and economic growth.
New TOEFL initiative gives Indian study abroad aspirants a chance to win Rs 10 lakh
ETS, in collaboration with Credila, has launched the TOEFL SUPER 50 program to support Indian students aspiring to study abroad. This initiative offers a prize pool of Rs 10 lakh, along with test preparation resources and financial planning support. Students registering for the TOEFL iBT test by December 15, 2025, and taking it by December 31, 2025, are eligible.
Govt to monitor GST rate cuts to ensure relief reaches common man: Minister
The finance ministry will closely monitor the implementation of reduced GST rates to ensure the relief reaches the common man, according to Minister Pankaj Chaudhary. This move, coupled with income-tax relief, aims to boost consumption. While income-tax relief benefits the middle class, GST relief will benefit a broader spectrum, including the poor, MSMEs, and others.
GST 2.0 gets the green light: What gets cheaper and costlier from September 22?
GST Meeting Cheaper, Costlier: The GST Council has approved changes to India's indirect tax structure. Many daily-use goods will become cheaper from September 22. Food items, consumer goods, and renewable energy devices will see reduced tax rates. However, sin goods and luxury items will remain under higher taxation. Coal will be taxed at a higher rate. Restaurants and lottery services face revised rules.
GST Council retains 28% tax and cess on tobacco, sin goods
The Union finance minister will decide on the date when the new tax rate for these items will be applicable. Currently, such products attract the highest GST rate of 28% plus compensation cess, central excise duty and national calamity contingent duty, taking the total indirect tax incidence to 53%. Average annual GST collection from tobacco products in the past five years amounted to ₹51,000 crore, along with additional education cess and surcharges from tobacco manufacturers totalling ₹27,660 crore.
1 in 3 Indian students now take loans to study abroad: Report
A recent report reveals a growing trend of Indian students relying on education loans to finance overseas studies, with 33% taking loans. Germany's popularity has surged due to its rapid return on investment, while traditional destinations like the US and Canada experience slower growth. Career prospects are now the primary motivation, shifting away from permanent residency.
From Rs 4,200 to Rs 1 crore savings: A Bengaluru man, just class 10 pass, living in rented houses realises his dream with patience and sacrifice
A Bengaluru proofreader's story inspires many. He built over Rs 1 crore in savings with a modest salary. He never took loans or credit cards. He earns Rs 60,000 monthly from fixed deposits. His family lives comfortably within Rs 25,000. He prioritizes health and simple living. He credits discipline for his success. He plans to retire in his ancestral village.
Indian shadow banks’ IPO boom falters on mounting credit stress
Initial Public Offerings of India's shadow banks face challenges. Several firms, including SK Finance and Belstar Microfinance, shelve their IPO plans. Investors are wary due to rising bad loans and economic uncertainty. Other lenders like Veritas Finance and Aye Finance delay their offerings. Concerns about unsecured loans and US tariffs add to the pressure.
CA gets the craziest client request ever while ITR filing: 'No money, bro. You pay my tax. Going for Europe vacation'
Chartered accountant Nitin Kaushik shared financial advice after a client's audacious request to cover his income tax. He urges the middle class to prioritize financial discipline, spend wisely, diversify investments, and build additional income streams. Kaushik also emphasizes the importance of insurance, avoiding lifestyle comparisons, and distinguishing between good and bad debt for long-term financial security.
Karnataka HC restrains Byju Raveendran from alienating property assets
The court’s order followed a petition by Qatar Holding, a subsidiary of the sovereign wealth fund of Qatar, which is seeking to enforce a $235 million arbitral award against Raveendran and his investment firm. The claim also has an interest component of 4% per annum, compounded daily, from February 28 last year until the payment is made, the counsel representing Qatar Holding said during the hearing. The accrued interest on the $235 million arbitral award now amounts to $14 million.
These 9 banking stocks can give up to 32% returns in 1 year, according to analysts
When it comes to banking sector stocks, learn to deal with two opposite views on the street. Over the next few months, you will hear news of how bank margins have come under pressure. Ignore those headlines, Why? The fact is that, whenever the interest rate cycle turns down, there is a phase when banks see some margin compression. So it is a cyclical phenomenon, and does not change the macro story about why banks should be a part of your portfolio. And the macro story is that banks are the best play when it comes to the growth of the Indian economy.
Pakistan’s richest business group is not a company but the Army’s Fauji Foundation, valued at $6 billion: Report
A recent report reveals Pakistan's army has amassed a vast business empire, controlling billions in assets across various sectors while the nation grapples with economic hardship. Military-linked entities dominate the country's top business rankings, benefiting from preferential treatment and tax exemptions. This concentration of wealth exacerbates inequality as ordinary Pakistanis struggle with poverty and unemployment.
Leo Weekly Horoscope (1st September – 7th September 2025): Confidence, discipline, and balance drive steady achievements
Leo Weekly Horoscope (1st September – 7th September 2025): The Leo Weekly Horoscope highlights a powerful and eventful period as the Sun, Mercury, and Ketu align in your sign, bringing confidence, strong communication, and karmic lessons. The Moon’s transits through Sagittarius, Capricorn, and Aquarius. It shapes your focus. Your creativity and joy in Sagittarius, discipline in Capricorn, and relationships in Aquarius. Venus in the Cancer sign enhances inner peace, and Mars in the Virgo sign sharpens financial dealings. Jupiter in the Gemini sign expands your social circle. Saturn retrograde in the Pisces sign encourages careful management of commitments. Rahu in Aquarius and Ketu in Leo highlight the balance between self and partnerships.
Jewellery exporters press for relief as US tariffs bite
The GJEPC is appealing to the Centre for immediate relief as the US tariffs of 50% on Indian goods are impacting the gems and jewellery industry. Exporters had anticipated tariff action, but the unexpected duty has left the industry reeling, especially in Surat.
Once in Rs 1.2 crore debt, a techie couple claim building Rs 5 crore wealth before 40
An Indian couple, starting from humble beginnings and burdened by early debt, achieved a net worth of Rs 5 crore through disciplined savings and strategic investments in real estate and other financial assets. Their financial turnaround, sparked by the FIRE philosophy during the pandemic, highlights the power of financial literacy and perseverance.
'Spent Rs 50 lakh, got nothing': Indian student’s viral post exposes dark side of US job hunt
An Indian techie highlights the struggles of international students in the US. Many graduates face massive education loans and limited job prospects. One graduate returned to Mumbai with a large debt and a low-paying job. Social media users share similar experiences. The once-promising US job market is becoming increasingly challenging for foreign graduates.
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