Home Loan
Home loan prepayment of Rs 50,000 vs Rs 1 lakh per year: Which option can save Rs 29 lakh on Rs 40 lakh loan?
Paying off a home loan faster can be achieved through partial prepayments. For a Rs 40 lakh loan at 8.5% interest, prepaying Rs 50,000 annually could save over Rs 19.60 lakh in interest and shorten the tenure by 7 years. The prepayment amount depends on a borrower’s prepayment capacity, liabilities, responsibilities, and other financial goals.
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.
Buy Rs 1 cr home with own fund or loan? This CA tells choice is not that simple, she reveals how to take a final call
Chartered Accountant Ruchita Vaghani's analysis on X compares buying a Rs 1 crore home with cash versus a loan. Paying cash offers peace of mind and immediate ownership, while a loan provides liquidity, tax benefits, and potential investment gains. She says for an Rs 1 cr 20-year home loan taken at 8.5% interest, the EMI will be Rs 86,000, and their total outgo will be Rs 2.07 cr.
Public sector banks race ahead of private lenders in home loan market in April-June: report
Public sector banks increased their home loan market share during April-June. This happened even with higher stress. Private banks' share decreased. Public sector banks have higher delinquencies in home loans. New credit card issuances declined. Private banks issued more new credit cards. Unsecured lending growth moderated. Lenders are balancing expansion with stability. The report highlights risk management and regulatory vigilance.
Using SIPs to prepay your home loan: Is it a genius strategy you should try or a gamble you should avoid?
Want to pay off your home loan faster? You can consider the EMI plus SIP strategy. It involves taking a longer loan tenure and investing the EMI difference in mutual funds. Historical data shows that potential gains from mutual funds often exceed loan interest, but investment returns might not always outpace interest rates. Consistent investing and tax deductions are crucial for success.
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?
HDFC Bank cuts lending rates on select tenures by up to 5 bps: Check how it can impact your loan EMI
HDFC Bank announces a reduction in its Marginal Cost of Funds-based Lending Rates. This move will benefit borrowers with loans linked to MCLR. The bank has lowered MCLR by up to 5 basis points on select tenures. New MCLR rates now range from 8.55% to 8.75%, varying by loan duration.
Is paying rent really a waste? CA explains the middle-class trap and breaks down the renting vs buying maths
Nitin Kaushik challenges the notion that renting is a waste of money. He argues home loans can be a bigger drain than people realize. Interest payments significantly increase the total cost of a home. Renting offers flexibility and liquidity. Buying too soon can leave families financially vulnerable. Kaushik advises careful financial planning before taking a home loan.
Home Loan tips: House owners can land in jail for claiming two primary residences, face monetary loss? Details here
Mortgage lenders want to know if you intend to use a property as your primary residence. Generally, the best interest rates and loan terms (say, a 30-year mortgage instead of a shorter one) go to those people.
3BHK for 80 lakh with 60K EMI or 40K rent in Bengaluru? Man turns to Reddit for advice
A Bengaluru couple is contemplating buying their current 3BHK for Rs 80 lakh as their landlord plans to sell. Faced with a Rs 60,000 EMI versus rising rents, they seek advice on whether to purchase or rent, considering their strong financial standing and long-term plans in the city. Redditors suggest buying, emphasizing long-term benefits and offering strategies to manage finances.
Rs 2 crore savings for Rs 1 crore home: Buy in cash or take loan? Young investor's dilemma sparks hot debate
A 28-year-old investor with Rs 2 crore in savings sparked an online debate after seeking advice on whether to buy a Rs 1 crore home outright or take a home loan while investing the remaining funds. The discussion, shared on Reddit, drew varied opinions—from paying cash for debt-free ownership to leveraging a loan for investment growth. Experts and community members highlighted the trade-off between financial security and liquidity.
Fixed, floating or hybrid: Which home loan interest rate regime works best
Indian homebuyers now have a third option beyond fixed and floating rate loans: hybrid loans. These loans offer an initial period of fixed interest rates for stability, followed by a transition to floating rates to capitalize on potential market decreases. With current low interest rates, hybrid loans provide an appealing balance of certainty and flexibility for new homeowners.
Home loan rate hike unlikely to dent housing demand, say experts
State Bank of India has increased its home loan rates, setting the new range between 7.50% and 8.70%. Experts believe the impact on overall housing demand will be limited, especially for the mass market and first-time homebuyers. While affordable and mid-range housing segments may be more sensitive, structural drivers should maintain momentum.
Gold loans lead surge in consumption portfolio: Reports
Indian borrowers are increasingly seeking larger loans, fueled by easier retail credit access from public sector banks and NBFCs, while private banks exercise caution. Gold loans surge due to high prices, led by public sector banks in value and NBFCs in small-ticket lending. Home loans see public sector banks expanding market share with big-ticket loans.
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.
‘Noida or Bangalore, sab loan par hai’: Viral video exposes harsh truth of EMI-trapped middle-class life in high-rises
A video is currently circulating online, showing an empty swimming pool in a high-rise. The video is about the financial struggles of India's middle class. Many people take loans for homes and cars. They are then stuck in jobs to pay EMIs. People online are calling it a truth bomb. It reflects anxieties about debt and urban living.
Banks sense an opportunity in GST gain for retail, MSME
Recent GST reforms, coupled with a good monsoon and improved liquidity, are poised to stimulate credit demand, particularly in retail and MSME sectors. Reduced tax rates and simplified compliance are expected to boost consumption, ease working capital pressures, and drive loan disbursements, benefiting banks and NBFCs.
Navi plans to push ahead with credit on UPI: CEO Rajiv Naresh
Navi aims to leverage credit on UPI for growth in a saturated market. The company processes millions of UPI payments monthly. Navi wants to scale up its credit line on UPI, launched with Karnataka Bank. It also focuses on expanding its home loan business and direct-to-consumer insurance strategy. Navi plans to increase its assets under management through passive mutual funds.
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.
Will Indian economy ride GST rate cut boost or capex push?
India's tax policy reset, featuring personal tax relief and GST simplification, sparks debate on the nation's growth trajectory. While some anticipate a consumption boost, particularly in discretionary sectors, others argue that investment in infrastructure will remain the primary driver. The government aims to encourage both consumption and private investment, noting a rise in private consumption's share of nominal GDP.
Property prices rise in 45 of 50 cities in Q1 of FY26: NHB report
NHB data reveals that property prices in 45 out of 50 cities increased in the first quarter of 2025-26, with the 50-city Housing Price Index rising by 5.7%. Bengaluru saw the highest appreciation at 9.1%, while Howrah experienced the maximum decline at 6.1%. Home loan interest rates also moderated by 100 basis points in February 2025.
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.
Time to think beyond correction & volatility? 7 small-caps from different sectors with upside potential of 13% to 50%
We are in turbulent and confused times, at least where the market is concerned. Sentiment on the street swings with each statement by an Indian minister or a US official, or President Trump himself. One way to deal with this is to sit it out. But if you are a smart investor with a long-term perspective you will be wondering whether this is the opportunity you have been waiting for. You may also be wondering whether, after an extended correction, small-cap stocks are at a stage where you should start looking at them? Perhaps. But you need to be smart about picking the right stocks.
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.
Startup employee takes 25% pay cut to move from Bengaluru to Mumbai. Here’s why
Despite Bengaluru's startup allure and a ₹60 lakh salary, one employee chose Mumbai for family and lifestyle. Accepting a 25% pay cut, he prioritized loved ones and home-cooked meals, purchasing a ₹4.5 crore apartment. While some questioned the financial aspect, others resonated with his decision to value peace of mind over career ambition, sparking a debate on priorities.
SBI’s home loan rate hike may delay purchases, impact first-time buyers the most: Yugen Infra
State Bank of India's decision to increase home loan rates could affect the housing market. Amit Mamgain of Yugen Infra suggests first-time buyers may delay purchases. Demand might shift towards more affordable options. Developers may need to adjust their strategies. They may focus on smaller homes and creative payment plans. Partnerships with banks could help maintain demand.
Bank of Baroda cuts loan rates by 0.25 pc on select products of car, mortgage loans
Bank of Baroda has announced a reduction of over 0.25% in interest rates for select car and mortgage loan products, effective immediately. This move, coinciding with the festive season, aims to boost credit growth amidst calls for economic expansion. The floating car loan interest rate now starts at 8.15%, while loan against property rates are down to 9.15%.
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.
Affordable housing demand may slow if costs rise, but luxury segment remains resilient: Anuj Puri
Anuj Puri of ANAROCK Group suggests home loan rate hikes may affect affordable and mid-range housing demand. Luxury housing is expected to remain stable. Cost-sensitive buyers might delay purchases. Demand for larger homes, driven by lifestyle needs, is less vulnerable. Developers may offer flexible pricing to optimize costs. The real estate sector is watching interest rate impacts.
Silent and long-term winners of GST rationalisation: 17 stocks from different sectors which fit the bill
In the last few days, a simple trade has been taking place on the street. The government cuts the GST rate on a product, price falls, and households should buy more of it. So, stocks from FMCG and some other sectors have done well. But India’s experience over the last two decades tells a subtler story: Because a family saves on tax in one corner of its consumption basket, it doesn’t mean it will spend more in that same corner. Just to put this in perspective: If one is saving money on buying a soap, that saving will not go into buying additional soap. It might go into buying anything else. What is that something else? It may even be a product that has not seen any GST cut. The fact is that there are many stocks that are silent and long-term winners of the GST rate rationalisation.
ITR Filing, UPS deadline, SBI credit card changes, Registered Post merger and more: Deadlines & key watchouts in September 2025
September 2025 brings key financial changes, including India Post merging Registered Post with Speed Post and revisions to SBI credit card rewards. Special FD schemes from Indian Bank and IDBI Bank are ending, while the ITR filing deadline for certain taxpayers is extended to September 15th. Central government employees have until September 30th to switch from NPS to UPS.
Why isn't your home loan EMI dropping after RBI rate cuts? Blame your lender
Home loan borrowers face a crucial choice between banks and housing finance companies. Banks often pass on rate cuts faster due to their funding sources. HFCs adjust rates at their discretion, leading to delays. Banks have stringent paperwork. HFCs have relaxed policies towards customers with low credit scores. However, borrowers should consider interest costs and convenience before choosing between HFCs and banks.
Roti, kapda aur makan: The firepower India's common man got as Diwali gift
GST rates slashed: India's GST revamp, dubbed the 'Great Savings Tax,' is easing the financial burden on the middle class. Reduced rates on essentials like food and clothing could save urban families 7-8% and rural families 5-6% monthly. This, coupled with income tax relief and lower interest rates, aims to boost consumption and savings, potentially transforming India into a middle-class-driven economy.
Think beyond the market’s GST rationalisation theme: 5 large-cap stocks from different sectors with an upside potential of up to 26%
There are short term themes which play in the market and then there are some stories which are long-term and structural in nature. So, if you are looking to invest from a perspective of more than the medium term, which is surely more than two years or so, ensure that, while you allocate some money to the theme of the street, you put a large part of the money in stocks where the operating matrix is such that the runaway of growth is much bigger and larger.
Jio Payments Bank to allow customers to invest idle deposits in overnight MFs
Jio Payments Bank plans to introduce 'Savings Pro,' an innovative savings account that auto-invests idle cash in overnight mutual funds for higher returns. The bank, serving over 25 lakh customers, aims to diversify revenue streams through various services and strategic tie-ups. Jio Financial Services focuses on unit economics and responsible growth, leveraging AI and analytics to enhance financial services.
Housing finance companies under lens over lending faults
The National Housing Bank is intensifying its scrutiny of housing finance companies due to breaches in loan-to-value regulations, particularly for high-value home loans exceeding ₹75 lakh. Lenders are found to be disbursing loans up to 90% LTV, violating the stipulated 75% cap.
These large- and mid-cap stocks can give more than 28 % return in 1 year, according to analysts
The way the market reacted to the GST rate rationalisation clearly shows that “sell-on-news mode” is still active. Now there are two reasons why the market has been in this particular mode. First: Some risks are still on the table (the India-US tariff tiff). The reason why we consider this a risk is that the 50% tariff cannot continue for long. Either it has to be settled, or it will escalate, with more goods being impacted, or even higher tariffs. History suggests that usually such wars don't start easily. But once they do, ego is the biggest hurdle to a solution. So, unless this is resolved by year-end, it will become an even bigger issue. The second reason: Valuations. However, GST brings some hope. We may see better top and bottom lines in some segments.
Riding the growth wave: Top 4 affordable housing finance companies to watch in 2025
Affordable housing finance companies (AHFCs) are outperforming other non-banking financial companies, driven by lower borrowing costs and rising demand. Policy support and low mortgage penetration in mid- and low-income segments are expected to fuel further growth. While competition and rising costs pose challenges, AHFCs are poised to capture a significant share of the affordable housing finance market.
8 money mistakes that can ruin your retirement and how to avoid them
Retirement needs careful financial planning. Even small mistakes can diminish savings. A withdrawal plan is crucial. Avoid locking funds in annuities. Equities should be part of the portfolio. Medical insurance is essential. Estate planning is important for seamless asset transition. Illiquid assets pose risks. Clear debts before retirement for financial stability.
'Dinner tables' and financial losses have secret connection: CA warns 'hidden' money trap can cost lakhs
Well-meaning financial advice from friends, family, or colleagues can often lead to significant long-term losses, warns CA Abhishek Walia. From risky stock tips to insurance policies and 20-year home loans, these casual suggestions may erode years of potential growth and lock individuals into costly obligations. Walia emphasizes the importance of evaluating who bears the risk before acting on any advice, as free guidance can come with the heaviest financial consequences.
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 22%
Here’s the thumb rule: Always make a distinction between what is happening to the stock price and what is happening to the fundamentals of a company or sector. There are times, however, when this is even more important. At this point of time, the risk of more headwinds for the economy are high. But did the movement of the market on Monday give you that feeling? So, a couple of things: If you are putting money into the market, make sure it is not money you need in a hurry. Also: Focus on a few businesses and even fewer stocks; and ignore the noise on the street.
Stock picks of the week: 5 stocks with consistent score improvement and return potential of more than 30% in 1 year
There is high probability that we will see more volatility in the coming days. While it is not always the case, sometimes the expiry of a derivative series contract throws light on what might happen in the near term. This time around, it has indicated continued volatility. The task for investors is therefore to reframe volatility not as a threat but as an entry point. Buying into weakness requires patience and conviction, but history tells us that those who take the longer view are rewarded. It means ignoring the noise and focusing on whether the company’s competitive edge, innovation pipeline, or consumer franchise will still matter five or ten years from now. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame.
When half your paycheque becomes the EMI: A Rs 50 lakh package can buy a flat, but can it buy peace of mind?
On paper, a Rs 50 lakh annual salary may seem enough for a Rs 1.5 crore flat. In practice, the numbers don’t stretch that far. Wealth advisor Alok Tiwari’s calculations show that nearly half of the take-home pay would go into monthly instalments, leaving little for daily living costs. Financial guidelines and housing affordability data back his warning. While banks may be willing to lend, the risk of being overextended is real.
For long-term investors: Trump or tariffs are problems with shelf life; focus on business. 10 large-caps with upside potential of up to 24%
Volatility is back on the front page, and you may hear more about it next week. Fresh tariff headlines from the US, a bout of valuation anxiety at home, and the usual chorus of “this time is different” have turned the screens red and the mood bearish. If you’ve been investing in the stock market for more than a few monsoons, though, you’ve watched this movie before. But investing is not like movies which get over in three hours max. Investing is about the underlying value of good businesses which do not get distorted by statements or headline hoggers.
These 8 banking stocks can give more than 30% returns in 1 year, according to analysts
On Tuesday, it was the banking sector which led the decline in the market. The overall decline was largely due to the street finally waking up to the fact that the additional 25% US tariff hike was inevitable. So, does it mean banking is the sector which is going to be hit the most? The answer is no. Financial services is probably one sector which will have the least direct impact of the US tariffs on its business. But when it comes to stocks, there is a relationship between what is happening and what might happen.
A bellwether signal? SBI hikes home loan rates by 25 basis points
State Bank of India and Union Bank of India have increased home loan rates, signaling a potential shift towards higher interest rates in the market, particularly affecting borrowers with lower credit scores. This move comes amid concerns over low-profit margins and increased competition, with private lenders expressing reservations about aggressive pricing strategies employed by public sector banks.
'I feel fearful': Why a 28-year-old techie is sending a distress call despite earning ₹2 lakh a month
Amidst IT sector layoff anxieties, a 28-year-old techie earning ₹1.9 lakh seeks financial advice due to debts and family responsibilities. Burdened by home, car, and gold loans, along with supporting his parents, he fears losing his gold. Social media users are advising him to sell assets, halt investments, and prioritize debt repayment to alleviate his financial strain.
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 27%
At this point of time, both the bulls and bears are pretty much even, though the bias is toward the bulls. The thing that will tilt the balance in favour of the bears is the implementation of the additional 25% tariff on Indian exports to the US on August 27. But we are assuming that better sense will prevail; and, even if they are implemented, we would soon see an India-US trade treaty that would reverse the tariff. If that happens, the bullish sentiment will get a boost and the tilt will first be toward large-cap stocks. Especially where the quality of the balance sheet is strong and there is little need for further debt for the business.
Sammaan Capital raises $300 million via overseas bond issue
Sammaan Capital (formerly Indiabulls Housing) has successfully raised $300 million through a three-year bond issuance to overseas investors at 8.95%. This marks their first international issuance under the new brand and aims to diversify their funding base, targeting 10% from international sources. The company plans further overseas borrowing to reach 10-15% within the next year.
Centrum Capital signs agreement to sell Affordable Housing Finance Business to Weaver Services
The company’s valuation is approximately Rs 800 crore and Weaver Services is acquiring a 75% stake, with the acquisition cost at approximately Rs 600 crore.
Must keep in mind GST revamp impact on tax collection, fisc: MPC member Bhattacharya
Minutes from the MPC meeting revealed discussions about potential rate cuts, but concerns over transmission, trade tariffs, and food inflation led to a pause. External MPC member Saugata Bhattacharya emphasized the neutral stance preserves options, with decisions based on incoming data.
Saving money might feel impossible, until you try Radhika Gupta’s one rule everyone can follow
Edelweiss Mutual Fund CEO Radhika Gupta, in her book Mango Millionaire, outlines a practical way for ordinary Indians to save and invest without losing sight of life’s small pleasures. Her 10-30-50 rule recommends saving 10% of income in your twenties, 30% in your thirties and forties, and 50% after that. Inspired by cricket training and the tax system, Gupta also introduces the idea of “Savings Deducted at Source”. She stresses that wealth comes less from numbers and more from forming the habit of saving early.
Couple earning Rs 1.5 lakh/month can build Rs 1.24 crore corpus in 10 years, this financial advisor tells how it can be possible
Recently, a financial advisor took to social media and shared a strategy for a couple earning Rs 1.5 lakh monthly to build a Rs 1.24 crore corpus in 10 years. His plan involves allocating funds to debt, hybrid, and equity mutual funds, along with a small investment in digital gold. However, he cautioned that achieving this requires disciplined investing and potentially high returns, especially from equity.
Residential mortgage-backed securities: 5 smart things to know
Residential Mortgage-Backed Securities (RMBS) are investment tools that transform home loans into tradable securities, offering investors access to real estate credit without direct property ownership. LIC Housing Finance recently introduced India's first public RMBS with a 20-year maturity. Read on to know if you should invest in residential mortgage-backed securities.
Centrum finalises the sale of its housing finance arm to Weaver Services
Centrum Capital is divesting its 56.4% stake in Centrum Housing Finance Ltd (CHFL) to Weaver Services for Rs 430 crore. Weaver Services, backed by Gaja Capital and founded by Satrajit Bhattacharya, will also acquire an additional 18.6% stake, bringing the total deal value to Rs 600 crore. This acquisition will enable Weaver Services to enter the affordable housing finance market.
Kaun banega mango millionaire? Try Radhika Gupta's 10-30-50 savings rule before investing money
Radhika Gupta's 'Mango Millionaire' introduces the 10-30-50 savings rule, advocating for a progressive approach to wealth building. The framework suggests saving 10% of income in your 20s, increasing to 30% in your 30s and 40s, and reaching 50% from your 40s onwards. Gupta also proposes an automated 'Savings Deducted at Source' system to cultivate consistent saving habits.
'Your money leaks or compounds': CA's reality check for Gurgaon techie couple earning Rs 15 LPA
A Gurgaon family, despite a Rs 1.2 lakh monthly income, struggled financially until they implemented a structured plan. By allocating funds to emergency savings, child's future, retirement, wealth creation, and gold bonds, they transformed their finances. This disciplined approach demonstrated that financial success hinges on planning, not just income.
Housing finance companies struggle as mortgage rate war intensifies
Housing finance companies face challenges. Public sector banks aggressively price mortgage rates. This squeezes HFC margins. Loan disbursals grow, but AUM doesn't keep pace. Borrowers are shifting loans. Bajaj Housing Finance saw a profit decline. LIC Housing Finance also feels the rate war. Competition is intense, impacting even large players. Margin pressure is expected to continue for a while.
Wealth creation has another name: Ignore noise & Trump. Just hold on to good businesses; 22 stocks from different sectors that fit the bill
With the additional 25% tariff all but a reality, here's a question: What will President Trump say or do next? Can anyone predict that? The answer is no. So, if you cannot predict what the man responsible for all the recent market turmoil will do, why try to predict what will happen to stock prices? At such a juncture, you will do well to remember that while the markets are about buying and selling, there is a third option. Which is hold. And when it comes to wealth creation, there are times when it is more important to just hold on to stocks. So if you have quality stocks, stop analysing what is happening to the Nifty and Sensex every day.
This Bangalore-based professional can save Rs 70k income tax just by switching to new tax regime
Bengaluru's Avinash Tandon, currently under the old tax regime due to a home loan and tax-saving investments, could significantly reduce his tax burden by switching to the new regime. Despite forgoing deductions, the higher standard deduction and wider tax slabs offer savings. Sudhir Kaushik of TaxSpanner.com tells how Tandon can optimise their tax by rejigging their incomes and investments.
Affordable housing outperformance signals BoP demand revival
While overall consumption shows signs of fatigue, affordable housing finance companies are experiencing robust growth, outpacing larger peers. Smaller lenders, focusing on smaller towns, have seen asset expansions ranging from 16% to 34%. This performance stands out due to the relative price inelasticity associated with affordable home buyers, signaling potential demand revival.
SBI cuts MCLR rates: Know how it may impact your loan EMI
State Bank of India has reduced its MCLR rates on select tenures by up to 5 bps, effective August 15, 2025, following the RBI's decision to keep the repo rate unchanged.
How homebuyers can protect themselves from being scammed by builder-bank nexus when buying under-construction houses
The Supreme Court recently ordered a CBI probe into a builder-bank scam on interest subvention schemes. With projects stalled and poor enforcement, homebuyers are now stuck with EMIs for undelivered houses. Here’s what you should know before opting for such plans.
For investors who have ability to think beyond quarterly results: 6 large-cap stocks with an upside potential of up to 31%
One indication that the US Fed is fine with changing its stance on interest rates was enough for the entire sentiment of the US market to change. Before the speech by Federal Reserve Chairman Jerome Powell hinting at a rate cut, the US market was under pressure because there was a feeling on the street that AI has not been as useful as it was expected to in improving corporate profitability. This led to a sharp drop in all AI related stock. For the Indian market, an event awaits on August 27. But events pass, and those thinking long term emerge winners.
Housing finance platform Weaver Services to raise Rs 1,482 crore from Lightspeed, Premji Invest
Weaver Services, a tech-led housing finance platform, is raising Rs 1,481.5 crore in funding led by Lightspeed and Premji Invest. Focused on affordable housing, Weaver targets self-employed individuals in smaller cities. The funds will support asset acquisitions, tech development, and expansion. Weaver uses AI to improve loan approvals and credit assessment.
In times of job market uncertainty, CA decodes buy flat vs rent. He suggests asking yourself 2 questions first
A recent debate sparked by a viral Reddit post questions the traditional Indian obsession with homeownership. CA Nitin Kaushik warns that buying a house prematurely can lead to financial strain, citing common mistakes like depleted savings and excessive EMIs. He argues renting offers flexibility and investment opportunities, while early homeownership can feel like a burden, limiting career mobility.
Mumbai boss narrates the emotional turmoil he suffered after saying 'today is your last day' to 25 employees in a day
A Mumbai-based corporate trainer, Sampark Sachdeva, has recalled the emotional turmoil he faced when asked to fire 25 employees in a single day. In a LinkedIn post, he described how managers were instructed to remain detached and deliver the words, “Today is your last day,” without apology or compassion. He shared how the faces of a single mother, a father with a home loan, and others continue to haunt him years later. While many professionals empathised with his honesty, some online users criticised the post as overly dramatic.
Will your loan application be rejected if you are first-time borrower with no credit history? Here's what Finance Ministry says
The Finance Ministry clarifies that lenders cannot reject loan applications from first-time borrowers without credit history. Reserve Bank of India has not set a minimum credit score for loan approvals.
Home loan EMIs to drop? Big banks like SBI, HDFC Bank, PNB, Bank of Baroda, IOB cut lending rates in August 2025; check bank wise list
Several public and private banks have revised their marginal cost of funds-based lending rates following the RBI's monetary policy meeting in August.
HDFC Bank customers get new option for Imperia programme benefits
HDFC Bank is changing the rules for its Imperia programme. A new criterion based on Total Relationship Value will start on October 1, 2025. Customers can also qualify by maintaining certain balances in their accounts. Imperia customers enjoy free services like inter-branch fund transfers and chequebook issuance. Locker rentals are also discounted for Imperia members.
Weaver Services completes acquisition of Capital India Home Loans after regulatory approval
Weaver Services has acquired Capital India Home Loans Limited. The deal is worth Rs 267 crore. It was funded by Premji Invest, Gaja Capital, and others. Weaver plans to launch a tech-led affordable housing finance platform.
These 8 banking stocks can give more than 26% returns in 1 year, according to analysts
Banking is a rare sector in which there is a probability of finding stocks with positive one-year returns. Yes, in the last one year, banking sector stocks (barring small finance banks) have been silent outperformers. As far as the street is concerned, they have been able to manage attacks by bears pretty well. On the real business side, they clearly have been able to control their non-performing assets, or NPAs. Yes, credit growth is not up to the mark, but that is fine; it will get there sooner than later. And we have our reasons for saying so.
Buy defence stocks in dips, hope for acceleration in private banks in FY27: Rajesh Bhatia
Rajesh Bhatia of ITI MF suggests optimism despite a current slowdown, citing India's strong macro context. He advises patience in defence stocks due to high valuations, favors private banks anticipating FY27 growth, and recommends focusing on auto companies gaining market share, irrespective of GST changes. Interest rate cuts and reforms are expected to drive recovery.
Buying flat is easy but...: CA shares his laid-off Pune techie friend's story
Young professionals in Pune face homeownership challenges. High-paying jobs lead to buying apartments. A Chartered Accountant shares cautionary tales of loan struggles. Job loss makes repayment difficult for some. One person rents out their flat to repay the loan. Experts advise careful risk assessment before taking large loans. Individual savings and income stability are key factors.
Rs 80,000 EMI or Rs 35,000 rent? One viral Reddit post has everyone rethinking their financial and life choices
A Reddit post ignited debate on home buying versus renting. The discussion highlights financial implications and personal priorities. Some argue hefty loans make buyers bank tenants. Others emphasize ownership benefits like stability and control. Practical advice includes buying within means and considering cheaper locations. The core question remains: is owning worth the financial strain
Bajaj Allianz Life Insurance buys 2.1% stake in JM Financial Home Loans
Bajaj Allianz Life Insurance has invested in JM Financial Home Loans. The insurer acquired approximately 2.1% stake. They purchased shares from JM Financial Credit Solutions. The deal is valued at ₹65.5 crore. Post-transaction, JM Financial's stake in the home loan arm will reduce. The agreement was finalized in August.
After losing job, he shares his pain online. The ending will make you smile and believe 'storms don't last forever'
Gaurav Sharma, an Associate Director, faced job loss in July 2020, triggering emotional turmoil and financial adjustments. Despite initial setbacks and disappointments in his job search, his resilience and support from his network led to a new job offer in August. His story highlights the importance of hope and the value of support during challenging times.
5 ways to lower your home loan EMIs despite RBI holding the repo rates
Despite the RBI announcing no changes in repo rate, homeowners can still reduce EMIs through strategic actions. Prepayments significantly cut principal and interest, while negotiating with lenders for lower rates, especially with a strong credit score, can prove beneficial. Balance transfers to lenders offering better deals can also help home loan borrowers reduce their EMI outgo.
Sebi bans Wadhawan brothers, four others; slaps ₹120-cr fine
Sebi has penalized former DHFL chairman Kapil Wadhawan, his brother Dheeraj, and four others, barring them from the securities market for five years. A cumulative penalty of ₹120 crore was imposed for diverting company funds to entities linked to promoters. The Wadhawan brothers orchestrated a scheme to siphon off funds, misrepresenting them as home loans, misleading investors and stakeholders.
Axis, Bandhan, Sammaan Capital tweak A/c practices to rewrite books
The revised accounting policy helped Sammaan Capital's report ?661.6 crore gains. In contrast, Axis Bank, which tightened its policy, made additional provisioning of ?614 crore, impacting its earnings. Bandhan Bank implemented procedural changes in the collection of dues, which led to marginal rise in stressed loans, although it did not immediately impact its earnings.
JM Financial unit to sell 2.1 pc stake in home loans arm to Bajaj Allianz Life for Rs 65.5 cr
JM Financial Credit Solutions Ltd, a wholly-owned subsidiary of JM Financial, on Sunday said it will sell a 2.1 per cent stake in its home loans subsidiary to Bajaj Allianz Life Insurance Company for Rs 65.5 crore.
Will the dream run for home loan borrowers continue despite RBI pausing repo rate?
RBI Repo Rate Cut News: The RBI has maintained the repo rate, a decision that may not immediately benefit home loan borrowers. However, with retail inflation falling to a 12-month low of 2.1% in June 2025, further rate cuts are anticipated. Experts suggest borrowers on older regimes like MCLR should switch to EBLR for quicker benefits.
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 26%
There’s an old market saying: Even when the bulls are in control, never write off the bears. Similarly, when the bears seem to be taking control, don't write off the bulls. Monday was an example of this. Now, how long will the upmove sustain? Especially as there is no clarity on the India-US trade deal or on the threatened additional tariff. At this point, the bulls and bears are pretty evenly matched. It is also likely that the street will tilt toward the bulls over a period of time (given there are no major negative surprises). If that happens, the tilt will first be toward stocks where the quality of the balance sheet is strong and there is little need for further debt in the business.
Man says firing 25 people was 'darkest day' of his career. Netizens roast him: 'Something is deeply wrong...'
Sampark Sachdeva's LinkedIn post about the emotional toll of layoffs backfired when it was ridiculed on Reddit's LinkedIn Lunatics. Intended as a reflection on leadership and compassion, the post was perceived by many as self-promotion. The criticism highlights the growing cynicism towards LinkedIn storytelling and the fine line between genuine empathy and performative leadership.
'Fake' beauty brand and Rs 40-crore case: Instagram star with 1.2 million followers in ED custody over money laundering probe
Sandeepa Virk, an influencer, has been arrested by the Enforcement Directorate (ED) in connection with a Rs 40-crore money laundering case. She is accused of defrauding individuals through a fraudulent website selling non-existent beauty products. The ED's probe also revealed Virk’s alleged links with Angarai Natarajan Sethuraman, concerning the diversion of funds from Reliance Capital Limited.
Latest version of new tax bill, 2025 clarifies two key laws on income from house property
The New Tax Bill 2025 clarifies rules for house property income. It focuses on standard deductions and pre-construction interest on home loans. A Lok Sabha Committee suggests changes for fairness. These changes affect homeowners who rent out their properties. The new bill aims to align with existing tax laws. It ensures clarity on deductions for municipal taxes and interest payments.
Can loans taken by my NRI relatives through PoA affect my credit score?
My sister and brother-in-law are NRIs and have taken multiple home loans to invest in real estate in India. They have given me the power of attorney (PoA) to act on their behalf for these loans. Can these loans affect my credit score ?
Japan's SMBC Fund invests $7 million in Shivalik SFB
Shivalik Small Finance Bank secures investment from SMBC Asia Rising Fund. The fund acquires a 4.99% stake for $7 million. Existing investors also participate in this round. The bank will use the funds for growth and technology enhancement. Shivalik is open to acquisitions for faster expansion. The bank aims for significant business growth this fiscal year.
