Tips & Tricks

DEMAT Account is very common nowadays and they are no more only connected to share markets. Now you can buy Mutual Fund, Exchange Traded Funds, Gold Bonds & NCDs etc in Demat form. Many of these issues are compulsory to be in demat form only. Demat is a facility where all these securities can beRead More

Compulsory Dematerialization of Shares

by Madhupam Krishna

compulsory demat of shares circular 2018, compulsory dematerialisation of shares, sebi circular on compulsory dematerialisation, sebi circular on dematerialisation 2018

Important Update: This article on Compulsory Dematerialization of Shares was published on 3 Dec 2018, and same evening the government postponed the date to 1 April 2019. Hence the date 5 Dec 2018 (Earlier Deadline) must be read as 31 March 2019. Compulsory DEMATERIALIZATION of SHARES is a very old and long asked initiative to makeRead More

Fixed or Floating Rate Home Loans

by Madhupam Krishna

fixed or floating home loan, Fixed Rate Loans, Floating Rate Loans, hdfc home loans, home loans, MCLR, sbi home loans

Home Loans have again started to go up after an about year. Many of you either are waiting for your dream house or have made a plunge and acquired a house on loan. You should avail fixed or floating rate home loans? Answer has been always mysterious if you are not tracking the interest rateRead More

What is Estate Planning?

by Madhupam Krishna

business succession planning, estate planning, estate planning basics, estate planning vs will, family trust, importance of estate planning, joint holding, nomination, nominee, trust, why estate planning, will making

Creating assets is on top of your mind – good. But have you thought what will happen to your assets (or liabilities) after you? Well, no one likes to think for “that day”. But friend – laws do not understand your fear of death. You need to define & document your thoughts on how yourRead More

12 New Changes in Income Tax Rules from 1 April, 2018

by Madhupam Krishna

2018, budget 2018, Exemption limit, income tax, income tax changes, LTCG, New Changes in Income Tax Rules from 1 April, new income tax rules, new modifications in income tax, Standard Deduction

New year as per Hindu calendar started with Navratras, but as per financial calendar, the New Year is April 1. Many things changes from this day in personal finance. So lets us see what will be the 12 new changes in income tax rules from 1 April 2018 through this post. This will help youRead More

2 News Ways of Misselling Financial Products

by Madhupam Krishna

Mis-selling, misselling, misselling by banks, misselling examples, misselling insurance, misselling MFs, ways of misselling

Misselling is high when markets are doing good. Simple reason, when it is easy to nudge people to invest you can play with emotion and sell crap. Off late I noticed 2 new ways of misselling financial products. These are new trends emerging for internet and present lifestyle. Let us see these new misselling waysRead More