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Why index funds score over buying individual stocks for retail investors
Many new investors entered the market post-COVID. While individual stock picking aims for higher returns, it's challenging. Index funds provide a simpler, diversified, and low-cost alternative. They offer market-level performance and operational ease. Passive fund assets have seen significant growth, highlighting their rising popularity among investors seeking steady wealth creation.
ICICI Prudential Large Cap Fund turns Rs 10 lakh to Rs 1.15 crore in 17 years
ICICI Prudential Large Cap Fund has delivered impressive returns. A Rs 10 lakh lumpsum investment made at inception in May 2008 has grown to Rs 1.15 crore. The fund has achieved a CAGR of 15% since its launch. Over the last five years, it provided a CAGR of 19.97%.
Can these 5 mutual funds help you achieve Rs 1 crore in a decade? Heres what an expert says
An investor aims for Rs 1 crore in ten years with a Rs 20,000 monthly SIP and a 10% annual increase. An expert review indicates this may fall short. To achieve the target, the monthly SIP needs to be Rs 30,000. The investor's current portfolio is well-diversified across various fund categories.
8th Pay Commission: What happens to your DA hike until the new recommendations are implemented?
8th Pay Commission: With the approval of the 8th Pay Commission's Terms of Reference, the government is set to overhaul salary structures for employees. The current dearness allowance will remain in place until the commission's recommendations are finalised.
Freeze your credit report: When you should do it and why it matters
A credit freeze helps safeguard your financial identity by blocking unauthorised access to your credit report, reducing fraud risks while keeping your existing accounts and credit score fully unaffected.
The scorecard showcased that consistent performance is not confined to a single style or segment, with steady funds emerging across market caps and strategies
Top 7 flexi cap mutual funds to invest in November 2025
The analysis shortlists leading flexi cap funds using rolling returns, consistency, downside risk, outperformance and asset size. Several funds show improving quartile rankings. Flexi cap schemes suit moderate investors with a five- to seven-year horizon seeking long-term wealth creation.
DSP Mutual Fund launches Nifty Midcap 150 and Smallcap 250 based 4 passive funds
DSP Mutual Fund has launched four new passive schemes, including two index funds and two ETFs, focusing on the Nifty Midcap 150 and Nifty Smallcap 250 indices. These offerings provide investors with low-cost, rules-based access to the dynamic mid- and small-cap segments of the Indian equity market. The new fund offers are open for subscription until December 8.
Top 10 mutual funds to invest through SIP with a horizon of 3 years
Several mutual fund categories, including gold, value, midcap, smallcap and sector-focused schemes, have delivered strong SIP performance over recent periods. The list highlights funds that showed steady wealth creation while reinforcing that past returns should not guide final investment choices
Mutual fund AUM to bank deposits surged nearly 3 times in 10 years: Franklin Templeton India MF
Indias mutual fund industry is witnessing strong growth as assets swell, SIP activity climbs, equity inflows stay resilient and investor participation expands across regions, supported by rising interest beyond major cities and steady long-term market confidence.
Nominee vs legal heir: Clearing the biggest misconception in Indian inheritance
Many Indians assume a nominee inherits their money but the law says otherwise. Nominees are only custodians, while legal heirs or beneficiaries named in a Will ultimately own the assets.
IndiGo SBI Card ELITE Review: Can it really help you fly for free?
The IndiGo SBI Card ELITE allows earning IndiGo BluChips at a base and accelerated rate, and on achieving spend-based milestones. You can use BluChips to book free flights.
Will a new loan pull down your credit score? Heres what the expert says
A new personal loan can briefly reduce your credit score due to hard checks, but responsible repayment, limited applications and disciplined borrowing habits help strengthen long-term credit health and financial stability.
In Nifty-50 companies too, shareholder resolutions where more than 20% of Institutional Shareholders voted against decreased to 9% of total resolutions (or 54 in number) as compared to 11% of total (or 64 resolutions) in the same period last year, according to Pranav Haldea, Managing Director, PRIME Database Group.
Planning to buy luxury items with the loan money? Make note of THESE key points
Although it is not a rational thing to buy a luxury item with loan money but there could be some exceptions to the rule. Here we list out few advantage as well as disadvantages of opting for it
PPFAS may eye IPO in 2030 as earlier listing could raise heavy tax burden for employees
Parag Parikh Financial Advisory Services is eyeing a 2030 IPO, as employee stock options conclude around 2029-2030. Chairman Neil Parikh indicated this timeline, citing potential tax benefits for employees. The fund house also plans a new large-cap fund in January 2026 and is exploring NPS and specialized investment funds.
Nifty nears record highs. What should mutual fund investors do now SIP, lumpsum or book profits?
With the Nifty just shy of its all-time high, mutual fund investors are debating whether to continue SIPs, invest lumpsum, or book profits. Experts advise sticking to SIPs, using lumpsum only during meaningful corrections, and rebalancing portfolios that have turned equity-heavy. They caution against profit-booking unless a financial goal is approaching within three years, stressing long-term investing over market timing.
A leader in fixed income management oversees a vast debt portfolio. Their investment philosophy prioritizes safety, liquidity, and returns. This approach involves rigorous credit assessment and active duration management. The strategy combines long-term views with tactical adjustments. Continuous monitoring of global and economic factors guides decisions. The focus remains on delivering sustained outperformance for investors.
The end of indexation: How Indias real estate wealth play is shifting from patience to pace
For decades, property rewarded those who waited. The new tax laws will reward those who move.
A closer look at how online bond platforms are reshaping retail investing
Online bond platforms are seeing a surge in retail activity as lower ticket sizes, easier KYC and transparent RFQ trades draw first-time investors. Heres how the system worksand what buyers must watch out for.
Best gilt mutual funds to invest in November 2025
Gilt funds are not recommended to regular debt investors because they are risky and volatile. Gilt funds suffer the most when the rates go up. The bond prices and yields move in opposite directions. When the rates go up, bond prices come down. This drags down the NAVs of schemes.
Rudra Chatterjee, Managing Director of Luxmi Tea Group, discusses the company's historical ties to India's freedom struggle, the evolution of tea culture, and the importance of resilience in business amidst global uncertainties.
Mint Explainer | How do new labour codes impact your gratuity and PF?
The new labour codes have overhauled how wages, gratuity, provident fund, pension and other social security benefits are calculated. Mint explains who benefits and if your take-home salary is affected.
The bonus era returns: How families must rethink budgets as variable pay grows
With companies pushing performance-linked pay deeper into the workforce, household cashflows are becoming lumpier and harder to plan. Heres how families can adapt.
Six new NFOs, including five passive funds, to open for subscription on Monday
Equity mutual funds fall over 7% in a week; international schemes lead the losers list
Equity mutual funds fell over 7% during the week of November 1721, with international schemes dominating the losers chart.
Gold and midcaps lead 10-year returns; heres the full scorecard
Multiple investment segments have delivered over 17% returns over the past decade.
Parag Parikh Large Cap Fund to offer 5 distinct features; NFO opens in January 2026
PPFAS Mutual Fund unveiled details of its upcoming Parag Parikh Large Cap Fund at its 12th Unitholders Meet, ahead of an expected January 2026 NFO. The rules-driven fund will be built around the Nifty 100 with capped weights, broad diversification and a low expense ratio. Leaders outlined its five key features and the conditions that justify launching the new scheme.
How much capital gains tax applies when you sell mutual funds across categories? Explained
How much capital gains tax is levied on the sale of mutual funds depends on two factors holding period and category of mutual fund. We deconstruct the nuances here
Early gratuity after 1 year - check beneficiaries, new labour code rules, when are they applicable
New labour code: Amid several path breaking changes that are announced in these labour reforms, one of the noticeable ones is the provision of early gratuity which employees will be entitled to after one year of service.
Maharashtra and Delhi among top 10 states to contribute maximum to average AUM in October
Top 10 states was recorded at Rs 79.79 lakh crore as on October 2025.
Top 5 mid cap mutual funds to invest in November 2025
ETMutualFunds has handpicked the top mid-cap mutual funds by analysing their mean rolling returns.
Is diversified SIP + NPS portfolio enough to build Rs 15 crore? Heres what advisors say
A 33-year-old government teacher, Saurabh Yadav, is strategically investing in SIPs and NPS to build a Rs 15 crore corpus over 30 years. His well-diversified portfolio, with a moderate to high-risk allocation, is praised by experts. Regular reviews and controlled smallcap exposure are key to achieving his long-term wealth goal.
FD interest rates: These 7 banks offer the highest returns on long-term fixed deposits
FD rates: Most top commercial banks offer interest rates within a small range on their fixed deposits.
Instant loan vs credit card loan: How do you know which one actually works better for you?
Instant loans are generally better in terms of interest rates and immediate processing than loans against your cards
Tech, smallcap mutual funds among 3 categories delivering negative average returns in 2025
The Wealth Company Multi Asset Allocation Fund NFO is open for subscription. 10 things to know
ETMutualFunds breaks down key details of The Wealth Company Multi Asset Allocation Fund NFO, covering its strategy, asset mix, fund managers, flexibility across equity, debt and commodities, and suitability for diversified investing
NFOs: 12 mutual funds and 1 SIF are open for subscription now.Check details
Mutual funds launch new funds to complete their bouquet of offerings. Here's a detailed breakdown of NFOs live now (Source: ACE MF).
Festive credit trap: How discount deals quietly push you into debt
Digital shopping has evolved, with consumers using credit to finance purchases. While credit enables aspirations, it can lead to debt if mismanaged, highlighting the need for responsible financial planning.
Capital gains compliance gets a reset. Digital deposits, SEZ relief, mandatory e-closure explained
Indias CGAS overhaul modernises how taxpayers deposit and track capital gains, adds SEZ relocation coverage, widens bank access and mandates digital account closure for the first time.
Top 5 largecap mutual funds offer over 25% annualised return in 3 years. Check toppers
Over the past three years, the top-performing largecap mutual funds have delivered strong annualised returns of up to 28%, led by BHARAT 22 ETF and ICICI Prudential BHARAT 22 FOF. However, several funds lagged behind, including offerings from Nippon India, Axis, LIC, Tata and Sundaram.
How to fill up a personal loan application form? Follow these 5 steps
A clear guide to completing a personal loan application, highlighting key documents, credit score checks, accurate form filling, loan planning and final review to ensure smooth personal loan approval.
17 equity mutual funds offer over 20% return in 9 months. Do you own any?
Around 17 equity mutual funds have delivered over 20% returns in the last nine months, with midcap funds dominating the top performers. Mirae Asset Midcap Fund and Invesco India Midcap Fund led the pack with returns exceeding 24%. The remaining 264 funds saw returns ranging from 2.01% to 19.90%.
THESE 5 premium credit cards give tempting offers for card users
There are some premium cards which offer mind boggling offers but they come at a huge price i.e., high annual fee
MF Tracker: Sundaram Focused Fund turns Rs 10,000 SIP to over Rs 1 crore in 2 decades
Sundaram Focused Fund has turned a Rs 10,000 monthly SIP into Rs 1.12 crore over two decades, showcasing strong long-term compounding. While its inception returns are impressive, recent performance has lagged behind its benchmark and category average. Experts advise caution due to concentrated portfolios, suggesting focused funds are best for investors with high risk tolerance.
Best corporate bond mutual funds to invest in November 2025
Considering near-term or three-year-plus goals? Corporate bond funds, investing in top-rated companies, offer relative safety. While interest rate hikes remain a concern, these funds provide a stable option.
Mutual funds: Active vs passive funds which one should you choose and why?
Active and passive MFs: From choosing stocks to the scope of returns, they vary widely.
The aim of rolling out the 1600 number series is to enhance consumer trust, curb spam, and prevent fraudulent activities perpetrated through voice calls.
To invoke non-disclosure, insurers must show the condition was active when the policy was bought and medically linked to the current ailment.
Cooling-off period for personal loan cancellation: What you need to know
For personal loans, banks provide a 3 to 15-day cooling period during which the borrower can cancel the loan. Usually, there is no cancellation fee during this period.
6 factors that can pull down your credit score and how to avoid them
A declining credit score can affect loan approvals and interest rates. Understanding factors like missed payments, high credit utilisation, multiple applications, and reporting errors can help borrowers in maintain a strong credit score.
These 5 equity mutual funds deliver up to 25% return in 10 years on SIP investments
These five equity mutual funds have delivered 2125% annualised SIP returns over the past decade, with smallcap and midcap categories dominating the charts.
Thinking of investing in debt funds? Key risks and precautions you must know
Investing in debt funds is complex and risky. Key risks include interest rate risk, credit/default risk, and concentration risk.
NFO Alert: Axis Mutual Fund launches Axis Multi-Asset Active FoF
Axis MF has launched the Axis Multi-Asset Active FoF, offering a single-window solution combining equity, debt, gold, and silver through a model-driven allocation framework. The fund aims for long-term capital appreciation with dynamic rebalancing, efficient taxation, and diversified exposure, targeting investors seeking smoother returns and lower volatility over a two-year horizon.
Can Rs 30,000 SIP deliver Rs 3 crore in 15 years? Expert shares roadmap
According to financial expert Pankaj Mathpal, MD, Optima Money Managers, Ajays portfolio is well-diversified but leans heavily toward aggressive categories like small-cap and mid-cap funds
What are the pros and cons of investing in Fund of Funds?
The forgotten Tata stock has inflicted a mounting Rs 25,000 crore loss on investors as prolonged underperformance, weak sentiment, and fading confidence deepen concerns. With no clear catalyst for a turnaround, shareholders remain uncertain about recovery prospects, questioning whether the stock can reclaim value or continue its downward drift.
NFO Update: Canara HSBC Life Insurance launches NextGen Consumption Fund
Canara HSBC Life Insurance introduces the NextGen Consumption Fund. This new fund allows customers to invest in India's growing consumption driven by millennials and Gen Z. It focuses on companies benefiting from changing lifestyles and digital adoption. The fund targets sectors like e-commerce, fintech, and retail. It aims to capture the multi-trillion dollar consumption growth expected from India's young population.
Personal loan statement: 5 key details every borrower must review
Personal loan statements detail outstanding balances, EMI breakdowns, interest rates, fees, and repayment history, helping borrowers monitor loans, avoid errors, and maintain financial health through accurate monthly review.
Paytm rolls out new Hide Payments feature to boost user privacy. Details here
Paytm has launched a 'Hide Payments' feature, allowing users to manage their transaction history with enhanced privacy.
US estate tax: A hidden risk for Indian investors with US stocks or ESOPs
Any form of US-listed stockseither stock options or direct stockscan create significant wealth, but they also carry the risk of US estate taxation
Credit scores and car: Impact on auto loans, insurance and leasing
Credit score impacts all forms of borrowing from personal to car loans. Higher the score, better the chances of securing a loan on convenient terms and lower interest rates
Baroda BNP Paribas AMC launches Indias first Gift City fund investing in US small caps
Baroda BNP Paribas Asset Management has launched India's first fund offering direct access to the US small-cap market via its GIFT City branch. The Baroda BNP Paribas GIFT US Small Cap Fund allows Indian investors to diversify into US equities, overcoming SEBI's overseas investment cap. This regulated, dollar-denominated fund invests in the well-performing BNP Paribas US Small Cap Fund.
Income tax refund not credited? How to check status and understand delays
The income tax portal states that it normally takes anywhere between 4 to 5 weeks for the refund to be credited to the taxpayer's account. The refund of large amounts may take longer
Buying an under-construction home shrinks your home loan tax advantage
The tax laws dont allow interest deduction to be claimed while the property is under construction, and cap the total interest benefit that can be availed after taking possession
PPFAS receives approval to launch 2 new passive GIFT City based outbound funds
PPFAS is launching two new funds from GIFT City. These passive funds, Parag Parikh IFSC S&P 500 FOF and Parag Parikh IFSC Nasdaq 100 FOF, will invest directly in S&P 500 and Nasdaq 100 ETFs. Indian investors can now get exposure to these global indices without foreign brokerage accounts.
Gold & silver ETFs lose up to 9% in 1 month. Is it time to buy the dip or wait?
Gold and silver ETFs have seen sharp declines, losing up to 9% in a month. Experts advise holding current investments and using SIPs for averaging. While equity dips are buying opportunities, gold and silver behave differently. Investors should adopt a wait-and-watch approach unless using them as debt substitutes for the long term.
Gambling addiction is a growing problem. How to protect family assets.
Financial advisors explain how they help clients protect family wealth from adult children who have become addicted to gambling.
Best banking & PSU mutual funds to invest in November 2025
Banking & PSU debt funds offer a relatively safe investment avenue for a few years, primarily investing in government-backed entities to minimize credit risk. While interest rate fluctuations pose a risk, these schemes are generally better positioned due to shorter-duration investments.
How to start a mutual fund SIP and what happens if you discontinue it later? An explainer
A systematic investment plan is considered an effective way to plan for your future.
Sebi extends deadline for feedback on proposal to overhaul mutual fund rules
This additional expense, introduced to offset the impact of crediting exit loads back to schemes, was first set at 20 bps in 2012 and later reduced to 5 bps in 2018. The additional expense of 5 bps that mutual fund schemes were allowed to charge was transitory in nature, Sebi noted
THESE 6 credit cards have annual fee lower than 1,000. Check list here
Some credit cards with minimal benefits are offered for nil or low annual fee. These includes Amazon Pay ICICI Credit Card and Flipkart Axis Bank Credit Card, among others
How to check your credit score and spot suspicious inquiries in your report
Regularly checking your credit score helps identify suspicious inquiries, correct reporting errors and safeguard against fraud while ensuring your credit accounts, limits and repayment history remain accurate for stronger financial eligibility.
ALL Accor+ Explorer membership: Gold Elite, free nights, 30% dining Should you take it?
For an Rs. 19,499 annual fee, the ALL Accor+ Explorer membership provides benefits like 2 Stay Plus nights, Gold Elite status, a discount of 30% on dining, 15% on drinks, 15% on stays, up to 50% on Red Hot Rooms, etc.
HDFC Mutual Fund among 4 AMCs to receive over Rs 15,000 crore inflows from top30 cities in October
Several major AMCs, including SBI, ICICI Prudential, HDFC, Nippon India, and JioBlackRock, recorded strong AAUM inflows in October, while six mutual funds experienced monthly outflows.
Are your global index ETFs trading at a premium? Here are top trades and investor action plan
Invesco Mutual Fund: Eternal and Swiggy among top 10 stock holdings in October
The fund house with Rs 1.38 lakh crore AUM shared top holdings, led by HDFC Bank and ICICI Bank, with most weights slightly changing while Infosys and Swiggy remained unchanged overall.
4 mutual funds made complete exit from these 7 midcap stocks in October
Four major mutual fund houses HDFC MF, SBI MF, Nippon India MF and Quant MF fully exited seven midcap stocks in October, including IREDA, Tata Elxsi, Aurobindo Pharma, JSW Infra, Biocon and Oil India.
In October, the Capitalmind Flexi Cap Fund strategically reshaped its portfolio by divesting from Cartrade Tech, HCL Technologies, and Hitachi Energy India, while welcoming new additions like Bharat Electronics, City Union Bank, and Force Motors. The fund adjusted its stakes, increasing exposure in 22 stocks and reducing it in 2, resulting in a total AUM of Rs 185.87 crore.
Ayurvedic hospitalization: Why insurers push backand how to win claims
Ayurvedic treatment claims face closer scrutiny from insurers due to cost and necessity concerns. To increase approval chances, patients should provide detailed medical documentation, minimize hospital stays, and select accredited facilities.
Want to build wealth like successful investors? These five habits may help
Wealth is often created not by constant action, but by resisting the urge to tinker every time the market sneezes. Unlike stock tips, these behaviours can be adopted by anyone, no matter their income or portfolio size.
The Wealth Company Mutual Fund has launched a new multi-asset allocation fund, aiming to navigate market volatility by dynamically investing across equity, debt, and commodities. Experts highlight its hybrid-like structure and flexibility in commodity allocation as key differentiators, offering potential for better risk-adjusted returns.
Overseas students enrolment in the US falls 7%, there are several other countries including Russia, Poland and France which Indian students can explore aside from the US.
Best conservative hybrid mutual funds to invest in November 2025
Conservative hybrid mutual funds are the entry to the world of hybrid funds. These schemes invest mostly in debt and a small percent in equity. As per the Sebi norms, conservative hybrid schemes must invest 75-90% in debt instruments and 10-25% in stocks.
DIY investors push Fund of Funds into high demand
Fund of Funds (FoFs) are gaining traction among DIY investors due to their ease of investing, diversification, and favorable tax treatment. These schemes invest in other mutual funds, offering a single NAV and professional management. Equity-oriented FoFs provide tax efficiency with a 12.5% LTCG tax after 24 months.
Deutsche Bank In Talks To Sell India Retail Banking Business
If a sale goes through, Deutsche Bank will be the second large foreign bank to exit the India retail banking market, since Citi sold its business to Axis Bank in 2021.
Trusted Banking for a Better Tomorrow : Bank of Indias Vision
Vinod Chandrashekhar Dixit Founded on September 7, 1906, Bank of India (BOI) is celebrating its 120th foundation day. BOI has evolved into a leading financial institution, synonymous with growth, development, and efficiency. With a rich legacy spanning over a century, BOI has consistently demonstrated its commitment to excellence, adapting to changing times while maintaining [] The post Trusted Banking for a Better Tomorrow : Bank of Indias Vision appeared first on Northlines .
ONGC Videsh Eyes Banking Channel Breakthrough To Recover $350 Million Stuck In Russia
ONGC has another $600 million stuck in Venezuela due to sanctions.
At SLBC meet, Chief Minister warns against year-end lending, calls for backing SHGs, incubation centres, and developing Amravati as a financial hub
AI Can Reshape Half Of Roles In Indian Banking: Report
AI adoption can help banks overcome the challenge posed by limited productivity gains, the report said, adding that many banks are already adopting such tools.
JPMorgan names Jerry Lee global chair of investment banking, memo shows
JPMorgan Chase has appointed Jerry Lee, a seasoned industry expert, as the global chair of investment banking, anticipating a resurgence in dealmaking. Lee, formerly Goldman Sachs' global head of biopharma banking, brings extensive experience advising on over $300 billion in mergers and acquisitions. This strategic move positions JPMorgan Chase to capitalize on the expected investment banking boom in 2026.
