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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Are Long-Term Taxes on Mutual Funds Going to be Introduced in the Next Fiscal Budget?

There are only a few weeks left before the announcement of the fiscal budget. Market participants are now looking for possible changes that may be announced, which would affect their investment decisions.    Some market participants anticipate modifications to Long-Term Capital Gains (LTCG) tax on equities. This is to cover the reduction of revenues due to the implementation of the Goods and Services Tax (GST).    Several analysts believe that the implementation of LTCG on equities may prevent investors from investing in this asset class. In addition to retail investors, LTCG on equities may deter institutional investors from investing. Such investors have pumped in...
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Are Tax Exemptions Being Bumped up to INR 2 lakh in the Budget 2018?

To boost savings among the Indian population, Finance Minister Arun Jaitley may be contemplating increasing the tax exemptions according to section 80C falling under the Income Tax Act to INR 2 lakh. Currently, the maximum limit under this section is INR 1.5 lakh per annum. There are several investment options eligible for tax deductions as per section 80C. Some of these include Public Provident Fund (PPF), National Pension System (NPS), National Savings Certificate (NSC), tax-saving fixed deposits (FDs), Equity-Linked Savings Schemes (ELSS), and many more. How will the increased limit affect investors? The primary aim to enhance the section 80C limit...
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Study Abroad Tips That You Will Actually Need

The prospect of going to a foreign country as a student can be a set of mixed reactions. You feel excited about the idea of exploring new avenues and learning. But, at the same time, you may have apprehensions and worries with the notion of being all alone in unfamiliar surroundings. There are a lot of things that may not be under your control abroad. Things such as food, the hostel, your academic environment or even the local safety for that matter are some of them. That being said, there are indeed certain aspects that you can take care of in...
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Still Deciding on a Personal Loan? We’re Here to Help!

These days, many people are resorting to personal loans when they are unable to arrange money from other sources. Unfortunately, there are lots of misunderstandings about personal loans that prevent people from making the best use of this financial instrument. Let’s see the what(s), when(s), where(s) and how(s) of personal loans to better understand the actual reality. Personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Since these are unsecured in nature, (i.e. the borrower does not need to bring in any collateral), the personal loan interest rates are higher than those of other secured...
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6 Types of Insurance Providers for your Two Wheeler

Accidents on roads don’t come calling you out. With reckless drivers swerving their rides on an equally pathetic road, things could get worse in the blink of an eye. To top that, if there is a bad weather, you are somewhat doomed. One slip from your bike and your hard-earned money flows out of your bank account like water. Yet, one should always be prepared. Therefore, there ought to be some risk protection and that comes with a decent bike insurance plan. With matters of money, you should not hurry. You had bought your bike with a lot of money. It’s...
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Guide to Taxation for NRIs

NRI TaxationOne of the most difficult things for a Non Residential Indian (NRI) is to understand the taxation process in India. It includes how the taxes are calculated, and when the income tax department considers an individual as non-resident. Let us decode the taxation process step by step.  A Taxpayer is categorized as NRI when:   1.       An individual resides in India for a period of less than 182 days during the year for which income tax is accessed. OR An individual, who has spent 365 days or more in India for 4 preceding years spends less than 60 days in India...
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What You Should Know If You Are Paying Pre-EMI on Home Loan

  Have you figured out if you are paying Pre-EMI or EMI for your housing loan? If not, then it is high time you understood the difference between the two. When you are taking a loan to purchase an under-construction property, you might not notice if you are paying Pre-EMI or EMI for the loan amount. You know that you have to pay a certain amount of money every month either to your lender or to the bank. Some lenders may provide you with the flexibility of paying EMI after you get possession of the house. While this may be a...
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Plan Your Expenses & Save using Bank Offers

If you’re someone who spends a lot of time surfing the web in search of interesting ideas and content, you might come across numerous cool deals and offers from reputed online sellers with deals offered by top brands, manufacturers and service providers. While these cool offers are available to all online surfers, there is a useful trick that can help you enjoy even better deals from such reputed firms. All you need to do is apply for a debit card offered by a reputed bank like Kotak Mahindra Bank Ltd. to enjoy special offers available for Kotak Bank debit card. Once...
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Benefits of E filing of Income Tax Returns in India

  Electronic filing of tax returns has become compulsory for all corporate assessees and for all individual assessees earning more than Rs. 5 lakhs in a year. Today, a significant proportion of the tax assessees in India have come under the ambit of electronic filing of tax returns. Electronic filing is a win-win situation for tax payers as well as the government. With smartphones, Internet, and technology becoming a part of our daily lives, the incorporation of technology in an important transaction like filing of tax returns can offer numerous benefits to all the parties involved in the transaction.   Benefits...
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New Age Banking - Simplest and Easiest Way to Pay Utility Bills on Time

While easy access to numerous products and services offer numerous benefits, it also brings about the added responsibility of making all utility payments on time. There was a time when utility payments consisted of paying the telephone and electricity bill before the due date.   Today, one needs to keep a track of payments for prepaid and postpaid mobile services, DTH services, gas connections, loans and credit cards, insurance policies, magazine subscriptions, and a lot more. This is where New Age banking services provided by reputed bankers can make a huge difference to your lives.   Utility Payments - Past and...
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