Author: Shalini Bhardwaj

With the financial year 2025 coming to an end soon, investors and taxpayers are looking for ways to minimize their tax liability. One of the most effective methods to save tax on equity investments is tax loss harvesting. This strategy allows you to reduce capital gains tax legally by adjusting profits with losses. Here’s how you can use this method and other strategies to maximize your savings before the financial year ends. What is Tax Loss Harvesting? Tax loss harvesting is a technique where investors sell loss-making stocks to offset capital gains from profitable investments. This helps in reducing taxable…

Transferring shares from one demat account to another, whether as a gift or for personal reasons, requires following a specific process. Unlike selling shares in the stock market, off-market transfers involve direct transfers between accounts. This guide will help you understand the step-by-step procedure to ensure a smooth and hassle-free transfer. Understanding Off-Market Demat Transfers An off-market transfer refers to the movement of shares between demat accounts without executing a sale on the stock exchange. This method is commonly used to: This process is different from regular stock market transactions and requires specific documentation. Step-by-Step Process to Transfer Shares 1.…

Success has no age limit, and two young entrepreneurs from India have proved it yet again. Shashank Kumar and Harshil Mathur, both just 34 years old, have officially become the youngest billionaires in India, according to the Hurun Global Rich List 2025. Their net worth stands at a whopping ₹8,643 crore each. These IIT Roorkee alumni co-founded Razorpay, a fintech company that revolutionized digital payments in India. The Journey from IIT to Billionaire Status Shashank Kumar and Harshil Mathur’s journey started at IIT Roorkee, where they were classmates. Their shared passion for technology and solving real-world problems led them to…

Tax season often brings the dilemma of choosing between the old tax regime and the new tax regime. Both systems have their unique benefits and drawbacks, making it important for taxpayers to evaluate their personal financial situation before deciding. With changes introduced in the Union Budget 2024, it’s crucial to understand how these tax regimes work and which one suits your needs better. Tax Slabs: Old vs New Regime New Tax Regime Slabs (FY 2024-25) The new tax regime offers lower tax rates but limits deductions. Here’s the updated slab structure: Old Tax Regime Slabs (FY 2024-25) Under the old…

A Demat account and a trading account are essential yet distinct tools for stock market investors. The Demat account acts as a digital storage for securities like shares, bonds, and mutual funds, ensuring safe and convenient ownership. On the other hand, the trading account enables the buying and selling of these securities in the stock market. While a trading account is required for transactions, the Demat account reflects the credited or debited securities. For activities like IPO applications or intraday trading, these accounts serve different purposes but often work together to streamline the investment and trading experience for users.  What…

An NRI (Non-Resident Indian) is an Indian citizen who resides outside India for a major part of the financial year. According to Indian regulations, any Indian citizen who stays in India for less than 182 days in a financial year qualifies as an NRI. Can NRIs Invest in Mutual Funds in India? Yes, NRIs can invest in Indian mutual funds. However, the process and rules are guided by the Foreign Exchange Management Act (FEMA). FEMA outlines the norms for investments by NRIs in India to ensure that funds are managed within legal boundaries. Rules and Conditions for NRI Mutual Fund…

Mutual funds have gained immense popularity as a convenient investment option. For those hesitant about the stock market’s volatility, mutual funds offer a safer and managed way to grow wealth. However, stepping into the world of mutual funds without adequate knowledge can lead to regrets. To make informed decisions, here are five crucial tips every investor should keep in mind: 1. Identify Your Financial Goals and Risk Capacity The first and most important step before investing is to clearly outline your financial goals. Ask yourself these questions: If your goal is long-term, such as retirement planning, you might opt for…

In the ever-changing stock market, the term “cheap” often misleads investors. A stock with a low price doesn’t necessarily mean it’s a bargain. Similarly, a high-priced stock isn’t always expensive. Understanding this nuance is crucial for making informed investment decisions. Why Low Price Doesn’t Mean Cheap Stock prices alone do not define their worth. Let’s break down why low-priced stocks might not always be a good deal: Valuation Matters More Than Price The value of a stock should be assessed based on its valuation metrics rather than its face value. Here are key ratios to consider: Price-to-Earnings (P/E) Ratio This…

Redeeming a mutual fund investment isn’t a decision to make in haste. Whether you’re planning to cash out for a specific goal or reacting to market changes, several factors should guide your decision. Carefully analyzing these aspects ensures you maximize the benefits of your investment while avoiding unnecessary penalties or losses. Evaluate If You’ve Achieved Your Financial Goal One of the primary reasons to redeem mutual fund investments is reaching a financial milestone. Mutual funds are often linked to specific objectives like creating an emergency fund, buying a house, funding a child’s education, or building a retirement corpus. Before initiating…

Investing in mutual funds has become one of the most popular ways to grow wealth. However, like any investment, it carries risks. Understanding these risks is crucial to making informed decisions and achieving your financial goals. Many factors contribute to mutual fund risk, from market fluctuations to economic conditions. Let’s explore how you can measure these risks effectively. Key Metrics to Measure Mutual Fund Risks Mutual fund risks are influenced by factors such as economic changes, interest rate fluctuations, geopolitical events, and even company-specific developments. Fortunately, there are metrics to assess and compare these risks. Here’s a breakdown of the…