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Why you should not take loan against PPF account

As per new, revised rules, the interest rate on a PPF loan is charged at one percent per annum.

Why government is unlikely to cut PPF interest rate sharply

Interest rates on small savings schemes are due for recalibration next week, but analysts believe the government might avoid making steep cuts.

EPF, PPF interest rate gap widens to 105 basis points: Self-employed class disadvantaged

Even if the EPF rate is cut, the difference would remain substantial thereby disadvantaging the self-employed class in terms of retirement savings.

NPS 1-year returns in high teens. Should you invest?

A sustained decline in bond yields has pushed up NPS returns. Gilt funds earned 17-20% in past one year.

PPF interest rate cut to 7.9% but are other investment options better? Here's a comparison

The interest rates of the PPF and other small savings schemes have been cut. Here is a low-down on the other options before investors.

Disillusioned with debt MFs? Catch post office schemes' high interest rates before June 30

The small savings rates may be revised downwards at the reset date post June 30 as not only has the RBI cut the repo rate but also the 10-year G sec yield has declined.

Which mutual fund schemes should I choose to invest for 10 years?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Expecting a mega annual bonus? Here’s how to make best use of it

One must carefully plan for the hard-earned money instead of splurging it on one-off expenses.

How to calculate interest on PPF balance

According to PPF rules, the interest is calculated on a monthly basis but it is credited into the account at the end of financial year on March 31.

5 popular small savings schemes to choose from

Every time markets fall, investors flock to fixed income options. Though small savings rates have been hiked, don’t go overboard investing in them.

No documentary proof for GPF advance, withdrawal

The government has with effect from March 7, 2017, liberalised conditions for taking advance from the GPF for education, illness and purchase of consumer durables.

Finance Minister Arun Jaitley defends PPF rate cut, attacks Congress

Jaitley on Sunday defended the government's decision to slash interest rates on PPF and national small savings, saying this was part of a routine procedure.

What is the actual post-tax return on different investments? Find out

The actual annualised returns of financial instruments vary from the quoted rates due to different methods of calculations involved and taxation rules.

need2know: It's all about interest rate, really

Although the government has slashed interest rates on small savings by up to 1.3 per cent, bankers are unlikely to reduce rates on deposits and advances anytime soon. The rate cut on small savings was aimed at preventing the flow of money from banks to post offices and thus pave the way for effective monetary transmission. It remains to be seen if it works that way.

Rate cut fuels savers’ dilemma: Here’s what you can do with your money

Borrowers have welcomed the rate cut and also RBI’s effort to push for increased transmission. However, it is creating a dilemma for the debt investors.

Why PPF continues to be a hassle-free investment plan for conservative investors

PPF has been a favourite investment plan with tax savers for some time now. Interest rate on PPF for this fiscal stands at 8.7%.

PPF, savings schemes interest rates reduced by 0.1% from April 1

In a blow to your investment income plans, govt has reduced interest rates on small savings schemes and PPF by 0.10% from April 1.

All you need to know about the Employees' Provident Fund

Here are articles on how to calculate your PF balance, how to check your EPF balance, benefits of linking your EPF to your Aadhaar and so on.

Last minute tax planning tips

If you haven't wrapped up your tax planning as the financial year draws to a close this week, here's a quick look at the available options and their suitability for you.

Making last-minute investments to save tax? Here's how to avoid mistakes

Taxpayers often commit investing mistakes in the rush to save tax. Find out how not to make errors you might regret later.

8 most common tax-saving instruments to cut your tax outgo

The eight most common tax-saving instruments on the basis of returns, safety, liquidity, flexibility, taxability of income and cost of investment.

Seven smart ways to reduce loan burden without stressing your wallet

If you also find it difficult to repay your loans, you may need to tweak your approach. Here are some strategies that can help you manage your debt situation better.

If rates are linked to bonds, investors won't gain much: Vijai Mantri, MD & CEO, Pramerica Mutual Fund

'Today, you will get 8.6% on your PPF because the interest rates are high. At the same time, short-term debt funds are giving returns of 9-10%.'

Gujarat industry hails Budget

Union finance minister Jaswant Singh's maiden budget is being hailed by all sections in Gujarat — be it corporate, domestic or professional associations, academic circles or business community. All have termed it the most pragmatic, growth-oriented and balanced vision that will propel the nation to prosperity.

Tax-saving options: Which is the best instrument under Section 80C?

All options are graded on the basis of returns, safety, liquidity, flexibility, taxability, and cost of investment; & ranked according to composite scores.

How to save tax in 2013: Your guide to planning

Choose an option that fits into your overall financial plan, not because it offers good returns or your brother-in-law is selling it.

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