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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.
Canara Bank appoints former PNB CGM Sunil Kumar Chugh as ED
During his tenure at PNB, Chugh was instrumental in steering multiple transformational initiatives, making significant contributions to the banks digital, retail, and corporate banking strategies
Data analyst reveals hacks to get free airline and hotel upgrades
Airlines and hotels strategically employ upgrades to enhance customer loyalty and boost profits. These offerings aren't just bonuses; they're well-planned efforts designed to encourage repeat visits and higher spending. Opting for upgrades proves more budget-friendly than conventional promotional methods, while social media buzz functions as complimentary brand exposure.
Schools and colleges in Delhi and Uttar Pradesh observe a holiday today, November 25, 2025, for Guru Tegh Bahadur Martyrdom Day. Haryana has a restricted holiday. However, banks remain open across India. The Reserve Bank of India's holiday calendar confirms no bank closure for this occasion. Guru Tegh Bahadur was the ninth Sikh guru.
Mini TM appointed as Executive Director of Indian Bank
She has served in various positions holding the rank of Zonal Manager in Pune, Bangalore and New Delhi Zones
Flow of financial resources from Banks to commercial sector increased to 11,12,687 crore from 9,80,394 crore a year ago
Huge appetite for private credit from real estate sector
This hunger for private capital is largely due to the RBI appropriately maintaining strict limits on bank lending to real estate, to avoid asset bubbles and sub-prime risks
NBFCs AUM to cross 50 lakh crore mark in FY27: Crisil
However, bank funding would remain a crucial factor for NBFCs to achieve the projected growth, Crisil said
Veritas Finance appoints Dheeraj Mohan as Chief Strategy Officer
Mohan brings over 23 years of experience across the capital markets, wealth management and banking sectors
Director and producer Rakesh Roshan, along with his wife Pramila, has acquired five commercial units in Andheri East, Mumbai, for a total of Rs 19.68 crore. The properties, detailed by Square Yards, include multiple units with varying carpet areas and parking allocations, incurring significant stamp duty and registration charges.
Rs 1 crore by 45? The SIP 'magic formula' every 30-year-old should know
A 30-year-old can build a Rs 1 crore corpus by 45 through a disciplined 15-year SIP, assuming a monthly investment of around Rs25,000 and a 12 per cent annual return. The combination of rupee-cost averaging and compounding makes SIPs a powerful long-term wealth tool.
PPF vs FD: Where will your money grow faster over 1015 years?
PPF and FD both offer safe returns, but tax-free compounding gives PPF a clear lead over 10-15 years, especially for long-term goals. FDs still work for medium-term needs, monthly income and senior citizens.
The scorecard showcased that consistent performance is not confined to a single style or segment, with steady funds emerging across market caps and strategies
How to check income tax refund status via PAN card?
Many taxpayers are experiencing delays in receiving their Income Tax Return (ITR) refunds this year. The Income Tax Department offers online methods to check refund status via PAN on the e-filing or TIN websites. Refunds are typically processed within four to five weeks after e-verification, but delays can occur due to various reasons.
SBI Ventures plans to launch 2,000 cr climate-focussed fund in Jan-Mar
The fund would invest in early and growth-stage climate startups -- particularly, in frontier climate technologies and AI-enabled climate innovations
Banks weigh legality of accessing borrowers criminal records for loan decisions
The reason for the proposed move is that recovering funds from borrowers with criminal backgrounds comes with its own challenges, as they can pose significant difficulties for the banks recovery apparatus.
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
New labour codes explained: 10 types of employees who will benefit immensely from revised rules
Social security benefits: These reforms offer enhanced rights and benefits to employees across sectors. Fixed-term, gig, and contract workers gain improved social security and welfare. Women workers achieve greater equality and opportunity. IT, media, youth, MSME, hazardous industry, and export sector workers also see significant improvements in wages, safety, and benefits.
Want a car for half the market price? Your step-by-step guide to buying bank-seized cars
Bank-seized vehicle auctions offer cars at prices far below market value. With digital platforms like Foreclosureindia, buying repossessed vehicles is now transparent and accessible. Follow smart bidding strategies, inspect thoroughly, and drive home quality wheels at unbeatable prices.
POSPs to account for 3.13.3 trillion insurance premiums by FY2030
Since the regulator introduced the POSP framework in October 2015, the model has steadily matured through targeted reforms aimed at simplifying access, improving operational ease and broadening product availability
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.
The upcoming changes in labour legislation are poised to overhaul the way salaries are computed for employees. Many workers might find that their immediate take-home pay could shrink. The broader interpretation of what constitutes wages will influence both provident fund contributions and gratuity benefits, compelling companies to reevaluate their pay frameworks.
How Aditya Birla Capital Digital is changing the way India engages with insurance
Insurance in India is transforming from an annual purchase to a daily wellness tool. The ABCD App by Aditya Birla Capital Digital offers a new approach. It provides AI health assessments, easy family coverage, and policy management. This platform integrates health tracking and benefits, making insurance a proactive partner in everyday financial life for consumers.
Tata Asset Management unveils Titanium SIF, a hybrid long-short fund under Tata Mutual Fund
Tata Asset Management has launched the Titanium Specialised Investment Fund (SIF), a hybrid long-short strategy designed for investors with higher risk tolerance. The fund dynamically combines equity, debt, and derivative exposures to navigate various market phases, aiming for better risk-adjusted outcomes. It offers a unique mix to participate in market upswings while cushioning downside risks.
New Gratuity Rules 2025: 4 things salaried employees must know about updated Labour Code guidelines
Labour Code guidelines: India's new Labour Codes significantly reform social security, particularly gratuity provisions. Fixed-term and contract employees now qualify for gratuity after just one year of service, a reduction from the previous five years. These changes aim to broaden worker protections and simplify eligibility across various sectors.
Institutional investors dissent vote falls to 13% in H1: PRIME Database
This was in comparison to 16 per cent of total such resolutions in the same period in FY25; Like in previous years, institutional investors have largely voted against board changes and remuneration
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.
A significant ruling from a Delhi court has brought relief to a dedicated teacher, as she successfully petitioned for her 303 days of unpaid leave to be reclassified as paid child care leave. Initially, the school had pushed back against her leave, claiming that it would lead to operational difficulties, but the court sided with the teacher.
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.
In a recent case, the Allahabad High Court determined that while an agreement to sell property can set the stage for a transaction, it does not confer actual ownership. The court highlighted the necessity of a sale deed for establishing legal ownership.
NRI checklist to seek medical care in India
NRIs are choosing India for medical treatment due to lower healthcare costs, faster access to quality care, and NABH-accredited hospitals. Learn how NRI health insurance works, compare treatment costs in India vs US, and discover essential tips for medical tourism including hospital accreditation verification and claim settlement processes before planning your healthcare visit.
Are you overrelying on SIPs for achieving lifegoals?
Are SIPs really safe? Investors may overestimate the perceived safety of SIPs due to the marketing spiel, but outcomes may not always match the rhetoric. Learn the hidden risks of SIP investments, common investor mistakes, and why discipline matters more than perceived safety in achieving long-term returns.
Estate planning: What are conditional wills?
Conditional wills protect dependants and guide behaviour, but unclear wording increases scrutiny and disputes, making them a powerful, yet risky, estate planning tool. Learn which conditions are legally valid, when trusts work better than wills, and how to draft enforceable clauses that protect dependants without triggering disputes.
Should you buy Maruti, M&M and Bajaj?
While two-wheelers, tractors, and LCVs show promise with rural recovery, elevated valuations and uncertain post-festive demand warrant caution.
Big money is flowing into artificial intelligence, but hidden risks may test investor conviction soon. Learn whether AI stocks are overvalued and how much exposure Indian mutual funds and global ETFs have to this theme.
Why financial literacy is important for young earners
Young adults are more likely to learn from their peers, or in the privacy of their own spaces, or from their own experiences without parental retribution. This is why financial literacy and education for young earners is a helpful module. It should be mandatory in an induction course for a new earner.
New Zealand investor visa new path to residency?
Global investors are drawn to this island nations political stability, better lifestyle and investor friendly rules which offers two investor visa routes in 2025. Compare investment requirements, holding periods, and family inclusion benefits for both routes.
Grow in career using Buffetts investing strategy
Use his investing strategy for long-term career growth, says Devashish Chakravarty. Learn how compounding, emotional discipline, and continuous learning can transform your career trajectory over 5-10 years.
Which asset classes build a strong portfolio?
To build a strong portfolio, do not get swayed by any one asset class. Experts recommend diversification. While asset allocation is the way to go, the question remains: What is the best combination? Every investor has his/her own asset allocation. Heres a start. In this weeks TrendMap, ET Wealth compares seven asset combinations. The portfolios with gold have delivered a notable return boost in recent years, while those with zero gold exposure have persistently lagged.
What is the difference between GDP and GNP?
If you are confused by personal finance terms, jargon and calculations, heres a series to simplify and deconstruct these for you. Learn key differences between GDP vs GNP and which better measures true economic health. In the 78th part of this series, Riju Mehta differentiates between the two terms that are used to measure a countrys economic performance.
Post Office RD offers safe, government-backed returns with quarterly compounding, helping small monthly deposits grow into a 21-lakh fund in five years. The schemes tax benefits, loan facility and ease of access make it a strong choice for risk-averse savers.
Superior service should command better pricing of policies: HDFC ERGO MD & CEO Anuj Tyagi
businessline spoke toAnuj Tyagi, MD & CEO, HDFC ERGO General Insurance on the trends and challenges for the general insurance industry
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.
In a recent ruling, the Income Tax Appellate Tribunal in Chandigarh has granted a significant tax relief to Mr. Saini, a retired worker from the Punjab State Electricity Board. He will now enjoy a tax exemption for the leave encashment accrued during his tenure at the government organization.
Kotak Mahindra Bank alert: No UPI, ATM transaction above Rs 20,000 for one hour on November 23, 2025
Dear customers of Kotak Mahindra Bank, please be advised to strategize your banking actions before November 23, 2025 3.30AM till 4.30AM. On this date, any UPI and ATM transactions above Rs 20,000 will be temporarily halted, alongside the unavailability of both old and new mobile banking platforms. This is all part of an essential system upgrade to enhance your future banking experience.
Karur Vysya Bank cuts MCLR by 25 bps across board
Following the cut, the overnight MCLR is at 8.90% (9.15% earlier); the one-month and three-month MCLR are at 9.05% (9.30%); and the six-month and one-year MCLR are at 9.20% (9.45%)
Big win for Mr. Khatri! The Rajasthan High Court just ruled that his adult, married son needs his dad's permission to live in his house. This basically confirms Mr. Khatri's sole ownership rights, meaning he's in charge of who stays on his property. It's a clear victory for the father's property rights.
Insurance Bill for 100% FDI listed for winter session
The proposed amendments are expected to lay down the framework for composite licences, allowing insurers to offer multiple categories of insurance life, health and general under a single licence
Starting November 21, 2025, India is set to transform its workforce landscape with four pioneering labour codes. These reforms mandate appointment letters for every worker, ensuring transparency and security. Fixed-term employees will benefit from gratuity payouts after completing one year, while women will enjoy the option of night shifts, fostering inclusivity.
Heads up! Theres a new phishing scheme targeting Microsoft users with fake password reset emails. Scammers have set up a website similar to Microsoft's, using 'rnicrosoft.com' to lure you in. This could lead to serious security breaches for your account. Make it a habit to scrutinize email addresses and links closely. For password resets, go straight to the Microsoft homepage.
Sagarmala Finance Corporation to raise 8,000 cr this fiscal
Sagarmala Finance Corporation is India's first maritime sector-specific NBFC
JioBlackRock and Parag Parikh Liquid Funds among top 5 low cost and high return funds in 3 months
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.
Bitcoin falls to $80,000 as market makers navigate rising volatility
Selloff erases nearly 25% of Bitcoins value this month
Saturday bank holiday today: Are banks open or closed today on November 22, 2025?
Customers who push their bank related work to Saturdays should make sure to check if banks are open on the coming Saturday or not. Digital banking and ATMs will remain operational for all essential transactions. No other bank holidays are scheduled for November.
Venture debt funds widen global footprint to tap new growth pools
EvolutionX Debt Capital, Stride Ventures, BlackSoil Group and others are deepening their presence in West Asia, South-East Asia and Europe
RBI starts interlinking UPI with TIPS of Eurosystem
The proposed UPITIPS interlinkage aims to facilitate cross-border remittances between India and the Euro area
Axis Bank to raise up to 5,000 crore via NCDs
Axis Bank reported 26% year-on-year decline in net profit at 5,090 crore in Q2FY26, on account of one-time standard asset provision, higher operating expenses and muted core income growth
Banks CD ratio continues to stay above 80%, data shows
This is also limiting their ability to cut deposit rates further, even though lending rates have fallen post repo rate cuts, leading to shrinking margins analysts say
Bitcoins drop to $83,000 signals fear-driven decline, not structural, analysts say
According to Mudrex CEO Edul Patel, Bitcoins consolidation comes from weakness across major financial markets as macroeconomic uncertainty turns investors cautious
Bottlenecks delay rollout of Bima Vistaar, the all-in-one insurance product
Industry executives now expect Vistaar to be rolled out only in the next financial year
CBDT (Central Board of Direct Taxes) Chairman Ravi Agarwal has clarified that the department is currently investigating high-value and red-flagged refund claims due to suspected incorrect deductions.
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).
Karisma Kapoor to get Rs 5.51 lakh as monthly rent from her residential unit in Mumbai
Bollywood actress Karisma Kapoor has rented out her residential property located in Bandra West, Mumbai. At a monthly rate of Rs 5.51 lakh, this agreement, officially registered for November 2025, will last for one year.
Top 4 smallcap mutual funds to invest in November 2025
ETMutualFunds has shortlisted four top smallcap funds for November 2025 based on rolling returns, consistency, downside risk and long-term performance.
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.
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%.
Can smart beta funds be your shortcut to beat the market in 2026?
The RBI Governor further explained that the inherent fragility of financial institutions adds to the regulatory challenges. Banks operate on maturity and liquidity transformation, accepting short-term deposits and extending long-term loans
5 warning signs the cashless effect is draining your wallet; 5 ways to deal with it
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.
Bank treasuries turn circumspect in buying G-Secs
CCIL data shows banks net purchase of G-Secs shrank to 849 crore on November 19, 2025, against 6,716 crore on June 6, 2025
Banks' financial health improves as NPAs decline to 4.05 lakh crore: CareEdge Ratings
The report further highlights that by Q2FY26, sectoral GNPAs as a percentage of total advances for public sector banks (PSBs) continued their downward trend across all segments, reflecting broad-based improvement
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.
Kotak Mahindra Bank and super.money introduce the Kotak811 3-in-1 account. This new offering combines a zero-balance savings account, a fixed deposit, and a secured credit card. The Kotak811 super.money credit card is backed by a fixed deposit, offering a credit limit up to 90% of the FD value. This facility is also available for individuals with lower credit scores.
RBL Bank has launched two new premium credit cards: LUMIRE and NOVA. LUMIRE, an invitation-only metal card, offers exclusive luxury experiences and personalized services for Rs 50,000 annually. NOVA targets frequent travelers with 6% value back on bookings and 10% restaurant savings, priced at Rs 12,500 annually.
Employee unions are pressing Prime Minister Narendra Modi to revise the 8th Pay Commission's Terms of Reference. Key demands include reinstating the Old Pension Scheme for lakhs of employees and ensuring pension revisions for current pensioners. Unions also seek the inclusion of stakeholder expectations and an interim relief of 20% for employees and pensioners.
Exciting news for property sellers! Starting April 1, 2027, you can now effortlessly close your Capital Gains Account Scheme accounts online. This fantastic update from the Central Board of Direct Taxes eliminates previous bottlenecks that required tedious in-person applications. Enjoy a hassle-free experience as you manage your tax exemptions for property sales right from your living room!
The Bombay High Court has made a pivotal judgment by reversing the conviction of a man and his parents charged with cruelty under Section 498A. The court determined that the accusations based solely on the wife's parents' statements lacked sufficient credence.
