If you’re not paying attention to inflation while investing, it could seriously impact your savings. That’s why it’s so important to consider inflation when you’re planning your investments.
Learn MoreTerm insurance is a straightforward life insurance policy that provides coverage for a specific period, or 'term'; if the insured person passes away during this period, the policy's beneficiaries receive a death benefit.
Learn MoreLet’s debunk nine common life insurance myths and offer some valuable personal finance tips to secure your financial future this festive season.
Learn MoreA common mistake is assuming that the value of retirement savings will remain constant over time. For example, a ₹5 crore corpus today will lose significant purchasing power over 25 or 30 years due to inflation.
Learn MoreThe insurance plans were launched on Monday by LIC CEO and MD Siddhartha Mohanty and will be available both available offline and online.
Learn MoreAny individual may submit an updated return, with certain exceptions, irrespective of whether they have previously filed an original, late, or amended return for the applicable assessment year.
Learn MoreITR Filing Date 2024 Live Updates: The income tax return deadline might be extended beyond July 31. Fresh updates from Income Tax Department on ITR deadline extension! What we know so far about the current status and when to expect refunds after e-verification and processing of income tax return.
Learn MoreTaxpayers eagerly await budget announcements that will increase their disposable income. Here are a few of the main anticipations that taxpayers have for Budget 2024.
Learn MoreITR Filing 2024: Penalty amount for filing income tax return after due date will be imposed. Taxpayers need to be alert as the deadline to file ITR is approaching fast.
Learn MoreIt is crucial to remember that your financial information holds significant value, encompassing all your investments and earnings for the year. Here are several important considerations to bear in mind before disclosing your ITR details.
Learn MoreThe existing standard deduction of Rs 50,000 is considered inadequate to address the rising expenses linked to the increased cost of living and, therefore, it is imperative to raise the limit of this deduction.
Learn MoreThe Income Tax Department has issued a strong advisory to taxpayers, advising them against submitting income tax returns with inaccurate claims for exemptions and deductions.
Learn MoreRegularly monitoring your financial records and staying alert for any suspicious activities is crucial for early fraud detection.
Learn MoreIn order to file a tax return online, you can access the new income tax portal logging in with PAN-based credentials and following certain steps that simplify tax filing process.
Learn MoreThere are 7 ITR forms the Income Tax Department has notified, and often, taxpayers get confused which ITR form is applicable to them.
Learn MoreTaxpayers required to file their income tax return should take into consideration the following.
Learn MoreCurrently, the benefit of section 80C is not available under the default (new) tax regime and it would be expected that this benefit be extended to even the default tax regime.
Learn MoreAfter the new government formation, the focus is now shifted to the Union Budget 2024-25. Taxpayers are hopeful that the Modi government will give them a tax relief in the upcoming budget. Experts too are of the view that FM Sitharaman would at least make some revision in deduction limits under Section 80C and 80D.
Learn MoreEvery taxpayer should make an effort to mitigate their tax liability by claiming all the available deductions and exemptions at the time of furnishing their tax returns. However, such deduction/ exemption amount should be correctly computed after considering the tax regime, residential status etc.
Learn MoreUnder Section 30 of the Indian Succession Act, if someone dies intestate, the court may issue a notice to invite claims over the property left behind after the death certificate is issued.
Learn MoreWith a comprehensive financial retirement plan, it is easy to tide over apprehensions of exhausting the corpus that may have been built during the work years.
Learn MoreBy working together, insurers, regulators, and stakeholders can further create a more inclusive and equitable insurance ecosystem that empowers women to protect themselves and their families effectively.
Learn MoreHaving insurance coverage is crucial for managing a health emergency, but it’s equally important to maintain financial stability when faced with a health crisis. Often there are many confusions and doubts when you purchase a term insurance plan, but these can be addressed if you carefully assess your requirements
Learn MoreTo qualify for GST refunds on health insurance, the proposer must be a Non-Resident Indian.
Learn MoreUnderstanding the reimbursement process and adhering to the necessary steps and documentation requirements is essential for a smooth and successful reimbursement claim experience.
Learn MoreCheck for exclusions, deductibles & limitations in the insurance policies
Learn MoreBuy these add-ons early in life to get higher and wider coverage
Learn MoreUpgrade your policies as you move from one life stage to another.
Learn MoreLIC Jeevan Kiran (Plan 870): The Life Insurance Corporation of India (LIC) has launched a new plan named Jeevan Kiran.
Learn MoreLet’s understand differences between Term Insurance and Life Insurance, enabling you to make the right decision when choosing the coverage for your specific needs.
Learn MorePersonal recommendation from friends and family or a known agent is the top trigger for insurance consideration for approx. 80% of the respondents.
Learn MoreLife insurance helps to safeguard individuals and their family against financial risks because of untimely death. Life insurance policies can also be pledged to avail loans during any financial emergency.
Learn MoreLIC Dhan Vridhhi (Plan 869): The Life Insurance Corporation (LIC) of India has launched a new close-ended plan – LIC’s Dhan Vridhhi plan. Check key details
Learn MoreIndividuals with a family history of diseases such as cancer or coronary artery bypass should opt for adequate critical illness cover. While a comprehensive health insurance policy provides coverage for expenses like hospitalisation, a critical illness policy will provide a lump sum benefit upon diagnosis of a covered critical illness, regardless of medical expenses.
Learn MoreIf policyholders have higher income and can afford higher medical expenses, they can go for a higher deductible amount to lower the total premium payout.
Learn MoreDon’t just go for the policy with the lowest premium. Conditions could apply, and you could end up spending a lot more than you saved on the premium.
Learn MoreMost individuals are cognizant of the need to factor in inflation and rising medical expenses while planning for their life’s new chapter.
Learn MoreThe policyholder can claim tax benefit of up to `25,000 under Section 80D for self, spouse and children year on year for the entire tenure of the policy.
Learn MoreLife insurance helps safeguard one’s family and oneself against two types of financial risks – untimely death and old age.
Learn MoreAcquaintances often request me to suggest life insurance products that can fetch high returns. Occasionally, they are subjected to product presentations by insurance advisors, showing returns that make them thrilled but also make them circumspect on whether the insurance products can really earn such high returns.
Learn MoreThe Life Insurance Corporation (LIC) of India has launched Jeevan Azad (Plan No. 868), which is a new plan aimed at individual savings and life insurance. As per LIC, the plan offers an attractive combination of protection and savings.
Learn MoreGroup medical cover (GMC) covers the employee and their dependents such as the spouse and children and in certain cases, parents are also covered.
Learn MoreAs young people are more healthy compared to the older people and have lower risks of getting ill, their participation helps in reducing the health insurance premium and make it more affordable for everyone.
Learn MoreThere are two primary kinds of No-Claim Bonuses that you can take advantage of in a health insurance policy.
Learn MoreLife insurance is the fastest and easiest way to ensure that your family remains financially protected. It can clear debts, pay for a child’s education, bear medical expenses, and secure the business and assets of a family.
Learn MoreYour health insurance premium increases, especially if the sum covered is large and you have certain medical conditions.
Learn MoreIt is better to revive a lapsed policy rather than buying a new one
Learn MoreOptimise your policy with cashless OPD & restoration benefits.
Learn MoreThe Income Tax rules have several provisions through which employees can reduce their overall tax outgo.
Learn MoreHaving a comprehensive health insurance becomes absolutely necessary in old age to cover the increase in expenditure on medical treatment and to cope with the high rate of inflation in the healthcare sector.
Learn MorePhysical illnesses may have tangible and evident symptoms, but most mental concerns go unnoticed or ignored.
Learn MoreThis Diwali, rather than getting into a spendthrift mode, invest in your future and make a long lasting choice of being invested in a Guaranteed Life Insurance Plan.
Learn MoreLIC Dhan Varsha (Plan No. 866) Scheme Details – Features, Benefits, Maturity, Minimum and Maximum Premium – Life Insurance Corporation recently launched the Dhan Varsha scheme.
Learn MoreA Complete Health Insurance Portfolio Review is the need of the hour amidst the uncertainties we continuously experience.
Learn MoreWhile there is a relatively better understanding now regarding term insurance policies, the wealth accumulation products can be a bit confusing for the new customers.
Learn MoreWhile the policyholder completes his part of the commitment by paying due premiums; fulfilment of the promise from the insurer’s side is completed by payment of the rightful claims.
Learn MoreLife Insurance Underwriting is the process by which life insurance companies determine a customer’s eligibility for a particular policy.
Learn MoreThe MWP Act is a provision that protects the insurance money from creditors, banks and government agencies.
Learn MoreThere are several grounds on the basis of which your health insurance claim can lead you straight to rejection or partial settlement.
Learn MoreIf you hold a car cover with Zero-Dep benefit, then at the time of a claim, the full IDV can be claimed without deduction for depreciation and damaged parts.
Learn MoreTaking an adequate insurance cover before you start your investment journey is like laying a proper foundation before constructing a building.
Learn MoreFactors like age, financial assets, liabilities, annual income, lifestyle and expenses of the dependents are some of the factors which make one decide the required life cover.
Learn MoreUsing wrong fuel in a vehicle can cause some serious damage to its engine. However, motor insurance policies do not provide any protection against such act of negligence.
Learn MoreReview your home insurance requirement every year so that your home does not remain underinsured following an enhancement in the value of your home
Learn MoreA sound financial plan for mothers has to take cognizance of their evolving needs as they go through different stages of motherhood, right from pregnancy to their old age.
Learn MoreWhile it’s great to have corporate insurance as an additional layer of protection, the key ingredient to shield you from rising medical inflation is, in fact, an individual health policy.
Learn MoreAs healthcare continues to become expensive, it has become important for everyone to get adequately covered through health insurance. Experts suggest that one should be careful while selecting the right amount of health cover.
Learn MoreThis unique safety is also needed by the people who want to save with high guarantee of reasonable returns on the amount saved every year.
Learn MoreIt is advisable to purchase a good health insurance policy at the right time to protect ourselves from getting into financial difficulties because of health emergencies.
Learn MoreAccording to some surveys, the awareness about the necessity of having insurance cover has been increased only after the damages done by the COVID-19 pandemic.
Learn MoreHealth insurers also offer top-up policies to meet the actual expenses over and above the limit available in the basic health policy.
Learn MoreThese policies were introduced by Insurance Regulatory and Development Authority of India (Irdai) in June 2020 in the midst of the Covid-19 pandemic for financial protection in case of a medical emergency due to Covid.
Learn MoreUnder monthly mode of payment the insurers offer a grace period of 15 days from the due date within which the premium installment must be paid.
Learn MoreGeneral insurers already seeing surge in travel insurance demands, expect ‘significant increase’ in insurance cover demands in next couple of months
Learn MoreGiven the nature of term insurance, you will be out of the picture at the time of claim settlement. So make it hassle-free for your nominee If your policy had lapsed earlier,
Learn MoreOpting for international travel insurance can help travelers enjoy their trips without any hassles or interruptions.
Learn MoreSection 80D allows taxpayers to avail tax deductions on the premiums paid towards health and medical insurance in a financial year
Learn MoreIt’s time to give the due recognition to the women in your family during this Women’s Day for the responsibilities that they share with their male counterparts.
Learn MoreWhile India’s Life Insurance penetration is comparable to Asian peers at 2.8 per cent of GDP, the protection gap is alarmingly high especially among women.
Learn MoreHealth insurance is one of the most important tools to help us pay hefty hospital bills and avoid a financial crisis.
Learn MoreMost of us do not read the offer documents of a health insurance policy and later blame the company for rejection/deduction of insurance claims. Most insurers apply sub-limits to the claim amount of health insurance policy to limit their liability under certain covers. It is important to note that being a part of original policy coverage limit, these claims are inclusive of sum assured.
Learn MoreTo avoid crowding at the limited numbers of government-run hospitals and to get quick medical attention, many people have no option but to visit private hospitals. However, treatments in private hospitals are generally very costly and the rate of inflation in treatment costs are also very high.
Learn MoreInsurers have to specifically give reasons for any claim denial and refer to the corresponding policy condition
Learn MoreIf you have resolved to buy a life insurance policy this year, here are some guiding points that can help you get started on your protection journey
Learn MoreLIC of India has revised the annuity rates of two annuity plans recently.
Learn MoreHere are some important tips senior citizens should not forget before buying a health insurance policy.
Learn MoreCancer is dreaded across the globe and accounts for more than 10 million deaths worldwide every year.
Learn MoreSome minor changes under the income tax laws which affect individual tax payers have been proposed in the Budget 2022 by the finance minister.
Learn MoreInadequate savings: When it comes to saving money, we as a nation are quite good at it, no? But do we save enough to encounter medical emergencies? The savings are inclined more towards being invested for better returns in the future.
Learn MoreTax exemption on maturity proceeds of Ulips with an annual aggregate premium of over Rs 2.5 lakh has been removed. However, there will be no tax on proceeds in case of death of the policyholder
Learn MoreIn an endowment plan, the sum assured along with bonus is paid on maturity while in the money-back plan, a portion of the sum assured is paid to policyholder at regular intervals.
Learn MoreHow much will be enough? That’s the question everyone stops at. There is no one answer. It depends on your current income, your lifestyle, your dependencies, etc. And how much ever you need, you can’t save it all. You will have to let your money grow to that.
Learn MoreThe CBDT has rolled out the new Annual Information Statement on the Compliance Portal which provides a comprehensive view of information to a taxpayer with a facility to capture online feedback.
Learn MoreAs per the RBI rules, all Credit bureaus are mandated to issue one free full credit report, including credit score, to anyone who asks for such a report.
Learn MoreInsurers to increasingly focus on bundled offerings with hybrid features, innovative bite-sized or context-based solutions
Learn MoreVery soon we will be entering the last quarter of the financial year 2021-22, hence this is the time to do the necessary computation and transactions.
Learn MoreNot renewing an insurance policy even during the grace period defeats the purpose of buying a cover and your financial protection is at risk
Learn MoreAlways remember to read your policy document and the terms and conditions of the policy to know what is included and what is not.
Learn MoreA normal health plan is a must for covering most of your medical treatment costs while the critical illness plan will come handy in case of critical illness, where the treatment costs are much higher.
Learn MoreSuch policies provide the child enough funds to continue education even if he loses his parents.
Learn MoreThe most important reason for planning exclusively for retirement is the change in the fabric of the family structure.
Learn MoreWith COVID-19 restrictions easing out, vehicles are once again back on roads as usual. This might be the best time for you to re-evaluate your vehicle insurance needs.
Learn MoreYour health or life insurance document enumerates the terms and conditions of the policy contract. Strictly adhere to these to avoid any claim rejection
Learn MoreAn annuity plan, designed to secure a guaranteed stream or source of income post-retirement, can help your parents with a financial cushion after they’ve retired.
Learn MoreBefore one chooses the best insurance plan, it is important to understand the life insurance definition so that the best insurance can be chosen.
Learn MoreThe recent pandemic brought home the acute need for proper financial planning. This festive season is a good time as any to gift your loved one’s life-long security by gifting them an insurance plan.
Learn MoreLook for medical insurance with the shortest waiting period and minimum number of diseases under this period
Learn MoreIf you are planning to take a home loan, this is a favourable time to take the plunge. But do remember to have a repayment plan in place to avoid any financial stress later.
Learn MoreBuying a thing on debt or on equated monthly installment (EMI) may appear affordable, but making a habit of doing so may create tremendous financial stress on you in future.
Learn MoreThe capital gains tax provisions for NRIs are similar to those for the resident individuals except for the applicability of TDS provisions. Like resident investors, the taxability of capital gains also depends on the holding period and the type of investments sold.
Learn MoreThe only con of guaranteed income plans is the overall return of the product is usually lower than its counterparts but that is mainly because of the insurance portion in-built into the plan
Learn MoreHappy Dussehra 2021: An advice to remember especially when someone has just started out! Following a trusted expert or paying heed to market cues on future swings from a market leader, can help an investor to be watchful.
Learn MoreAs one’s parents age, the hospital visits and ailments increase. In the backdrop of such a landscape, the best decision one can make for one's elderly parents and grandparents is to purchase a health insurance policy for them.
Learn MoreITR Filing Tips for FY 2020-21 (AY 2021-2022): The deadline to file the income tax return for salaried or small business individuals has been further extended to 31st December 2021.
Learn MoreNot everyone has the time and skills to manage their financial portfolio optimally. For such customers, ULIP provides an effective way to participate in the market as well as an insurance cover to deal with uncertainties of life.
Learn MoreIf an individual’s CIBIL score has been falling, they might have taken financial decisions that have dented their score. To fix that, he/she first needs to understand what has affected the score.
Learn MoreSection 80C includes an exhaustive list of investments on which you can claim tax deduction while filing for your taxes. Some of these are Employee Provident Fund, Public Provident Fund, life insurance and so on.
Learn MoreThe Reserve Bank of India (RBI) today cautioned people against frauds being conducted in the name of KYC updation. In a statement, the RBI said it has been receiving complaints/reports about customers falling prey to frauds being perpetrated in the name of KYC updation.
Learn MoreAs equity shares of a company are considered as capital assets, selling such shares would either result in a capital gain or capital loss.
Learn MoreIf handled carelessly, credit cards can adversely impact your financial health for a long time to time. These five common signs indicate you are using your credit card the wrong way.
Learn MoreHaving a good credit score goes a long way. Experts say a good credit score is a gateway to a smooth financial life. That is the reason many individuals actively seek information to manage their creditworthiness.
Learn MoreThis Independence Day, be well informed and choose to be free of financial worries by covering your risks with insurance.
Learn MoreHere's a five-point checklist to help you set your future goals and build a unique plan for your financial freedom and security.
Learn MoreLet's see 7 different types of health insurance plans and what they have to offer.
Learn MoreTry to improve your credit score even if you get a loan with a higher rate at the beginning so that the risk premium gradually gets lowered during the course of the loan
Learn MorePension plans are a combination of Insurance Plans with Annuity. Experts say the ideal way of investing in it is to start investing in the late 20s wherein the premium is relatively low comparing it with later years of age.
Learn MoreFrom budgeting missteps and impulse purchases to inadequate contingency planning and much more, nobody is immune to financial faux pas.
Learn MoreIt is important to understand whether one should apply for a home loan with a co-applicant or as the sole applicant.
Learn MoreIn view of the exorbitant hospital and medical bills that are being accrued be it due to COVID treatment or any other medical reason, people have started not only opting for health insurance but also choosing the best health protection available.
Learn MoreEven though an emergency fund of at least 3 months' expenses is a must to deal with a crisis, it might not be possible for everyone to hold up such savings. Under such circumstances, a quick loan comes out to be the only option.
Learn MoreTry to make as much part-prepayments as possible when the applicable home loan interest rates are low and your credit score is high
Learn MoreEven in a low interest rate scenario, life insurance products offer benefits that no other financial product does including life cover, additional riders, guaranteed returns, safety net, and tax benefits.
Learn MoreThe procedures that require medical care and are completed within 24 hours are called daycare procedures.
Learn MoreThe pandemic may have brought drastic changes to our daily lifestyle, however real estate investments are here to stay and will grow in popularity.
Learn MoreThe government is likely to reduce the interest rates on small savings schemes from July 1 to keep in line with falling interest rates in the market
Learn MoreMany investment options are readily available in the financial market, but life insurance is the one if opted for at an early age, provides multiple benefits ranging from, providing protection to your family in your absence, planning your retirement, adds financial security, helps in saving tax.
Learn MoreDo you have enough savings to live a comfortable retired life? Can you afford a sabbatical in your professional life and pursue your passion? Can you afford to send your kids abroad for education? If you are afraid to answer these questions, it is time you re-evaluate your financial choices and think about building wealth.
Learn MoreLife insurance policies of the pure protection variety, known as term Insurance, are basic and most necessary form of life insurance cover.
Learn MoreIncome Tax relief has also been provided on any amount received by an employee from the employer or any well-wisher for treatment of Covid-19.
Learn MoreLast Date to Link PAN Card with Aadhaar Card: Your PAN Aadhaar linking needs to be completed within the due date else the PAN will become ‘inoperative’.
Learn MoreYou can claim tax deductions against education loans under Section 80E of the Income Tax Act. However, there are a few things to keep in mind.
Learn MoreIn terms of tenure, while many lenders offer long loan tenures of up to 30 years for repayment, try to choose a tenure not longer than 20 years.
Learn MoreWith many policyholders are among Covid-19 casualties, it's important to know the effect of death of an insured person on an active health insurance policy.
Learn MoreUnexpected Covid-19 deaths have devastated families across the country. Not just emotionally, Covid has destroyed families financially as well.
Learn MoreThese insurance policies have another essential element of coverage that immunes a vehicle from theft. Vehicle theft is one of the most common crimes, especially in major cities; hence, it is all the more essential to have a vehicle insured.
Learn MorePrices of popular cryptocurrencies like Bitcoin, Etherium and DogeCoin have dropped massively in the last 24 hours.
Learn MoreNurses Day 2021: Right from Florence Nightingale in the Crimean War to Fatu Kekula who help to treat Ebola patients in Liberia, nurses have been at the forefront of any healthcare crisis.
Learn MoreThe most common ground for rejection is incorrect or false information in the application/claim form
Learn MoreUnlike the Baby Boomers and Gen X, millennial parents and especially millennial mothers will have to make smarter financial decisions to secure a future for themselves as well as their children.
Learn MoreIf your policy covers maternity benefits, costs incurred during hospitalisation as a result of maternity will be covered up to the sum insured limit. In some instances, the cover is also available for any medical complications of the newborn child.
Learn MoreBefore you start repaying loans, make sure you have an adequate investible surplus for meeting your long-term goals.
Learn MoreThe reforms in the second wave are expected to increase not only the country's insurance penetration rate but also lead to a conscious shift in the insurance product mix.
Learn MoreA structured retirement planning starting at an early age will help unleash the power of compounding for a longer period of time, thus helping accumulate a bigger corpus.
Learn MoreIt is important for women to focus on planning their finances for meeting their long-term goals and aspirations.
Learn MoreWith this, not only will you be able to get the best interest rate but can also keep the overall interest cost low till the end of the home loan tenure.
Learn MoreIn 2020-21, LIC has achieved its highest-ever first year premium income of Rs 56,406 crore under individual assurance business with a 10.11% growth over last year.
Learn MoreA comprehensive car insurance plan not only covers the mandatory third-party insurance for your vehicle but also provides coverage for any damages to your own vehicle as well!
Learn MoreThis financial burden can be supported by a special financial protection plan called ‘Critical Illness Plan’. You should purchase a critical illness plan along with a health insurance plan.
Learn MoreHere is a list of some important questions to help you avoid making a mistake while you plan to take a home loan.
Learn MoreLike all other festivals these nine incarnations also teach us many life lessons to deal with different facets of life including investments.Chaitra Navratri or Vasanta Navratri marks the beginning of the new year of Vikram Samvat of Hindu calendar. Navratri is celebrated to worship nine manifestations of Goddess Durga that represent different characteristics of the Adi Shakti.
Learn MorePlanning for your child’s future is no longer a decision you can procrastinate. It needs your urgent attention, especially if you are a new couple or new parents.
Learn MoreA term insurance cover should be in place at least till retirement, or till the time one has dependents or liabilities like loans
Learn MoreBoth annuity plans and term insurance plans can help you to plan your retirement as there are different variants available in the market
Learn MoreFinance Minister Nirmala Sitharaman on Thursday said salary income earned by non-resident Indians in Gulf countries would continue to be exempt from tax in India.
Learn MoreCountless people are confronting new financial realities a year after the first of the Covid-19 lockdown announcements. The past year may not have been equally difficult for all of us, but it has surely forced each one of us to rethink our financial priorities. With a resurgence of cases in many regions and vaccinations still in the early phases, the Covid-19 pandemic is far from over.
Learn MoreIncome Tax Changes: March 31 is an important date for income taxpayers in India as a number of changes are going to kick in from April 1.
Learn MoreAccordingly, LIC said its 113 divisional offices, 2,048 branches, 1,526 satellite offices and 74 customer zones will receive maturity claims from policyholders irrespective of the servicing branch of the policy.
Learn MoreThe Life Insurance Corporation (LIC) of India has launched Bachat Plus, a non-linked, participating, individual life assurance savings plan.
Learn MoreDue to the declaration of the lockdown and suspension of international flights owing to the outbreak of COVID-19, many NRIs had to prolong their stay in India.
Learn MoreReduction in the recent home loan interest rates will benefit new borrowers as the rate cuts will only be applicable for them and not to the existing borrowers.
Learn MoreSeveral banks offer women savings accounts and credit cards tailored to their needs besides better terms on loans
Learn MoreRevisit your financial plan at intervals and make necessary adjustments. This will ensure you are not financially stressed but at the same time able to achieve your life goal
Learn MoreIt is important to choose one’s health cover wisely, else it can drain one's money without providing any adequate protection.
Learn MoreThe need to buy health insurance coverage for self and family is to avoid dipping into one's savings to meet the cost of hospitalization.
Learn MoreAfter a motor insurance policy expires, the first and foremost thing the policyholder should do is to inform the insurance company. Experts say informing the insurer should be done on a priority basis, as soon as the policyholder gets an update about the motor insurance policy's expiry.
Learn MoreA comprehensive motor insurance policy covers you for both third-party damages and own damages
Learn MoreUnion Budget 2021-22: The Finance Minister presented the first paperless Union Budget 2021-22 in the Parliament yesterday. While no structural changes have been proposed to the personal tax rates, it introduced some relief measures and proposals to facilitate ease of compliance for the taxpayers explained hereunder:
Learn MoreFinance Minister Nirmala Sitharaman, while presenting the Budget 2021, has proposed taxability of interest on various provident funds where income is exempt.
Learn MoreHaving a good credit score goes a long way. According to experts, almost 6 out of 10 millennials are rejected due to low credit score when applying for credit cards, mortgages, car loans, and other financial products.
Learn MoreGenerally salaried individuals need to submit their investment proof by December end, so that tax deducted at source (TDS) may be adjusted – in case there are differences in proposed investments and actual investments – against the salaries of January, February and March.
Learn MoreThe ongoing COVID-19 pandemic has impacted almost every financial instrument in a significant manner, especially those soon approaching retirement as they are not able to take a cautious call on where to keep the accumulated corpus invested.
Learn MoreOnce you have identified investment instruments based on your income, age, risk-taking abilities, and time in hand, you should consider the following factors before you actually invest in the preferred options.
Learn MoreThe beginning of 2021 is also the time when you should plan to overcome any financial setbacks that were brought about by the Covid-19 pandemic in 2020.
Learn MoreEmergency loans are the next safest bet after friends and families when you are in dire need of cash. They are better than payday loans and title loans as they are more economical and easier to pay off.
Learn MoreThe tax department in a tweet said 5.95 crore ITRs for Assessment Year 2020-21 were filed till January 10, 2021, as compared to 5.67 crore ITRs filed for the previous Assessment Year by September 10, 2019.
Learn MoreEveryone has limited resources to spend, and to reorient oneself, there is a need to change certain consumption habits. So curtail unnecessary expenses, invest in your health and save money for the essentials
Learn MoreTo ensure that assesses file their income tax return (ITR) on time, the provision of late fee up to Rs 10,000 was introduced in the Union Budget 2017.
Learn MoreIf you can prove that your income can support EMI payments through an increase in the salary or through additional sources of remuneration, a lender can entertain your loan requests even if you depict a low credit score.
Learn MoreThis is the time of the year when a majority of us make some resolutions as regards our physical fitness but only a few make resolutions for remaining financially fit.
Learn MoreTaking care of one's finances and creating a solid financial plan have become more important now, particularly in view of the Covid-19 like situations, which can turn our lives topsy-turvy.
Learn MoreTaxation rules for debt and equity investments are different. So look at the tax implications on each instrument before investing
Learn MoreInvesting in long-term instruments during your earning years helps you save more and get the benefit of compounding
Learn MoreStarting with term plans at a young age to pension plan on retirement and a variety of health covers all through life, there are insurance plans made for every life situation
Learn MoreTax saving is crucial, and it is an important parameter, but it is not the only parameter for considering any investment avenue or product. Investment gives financial freedom.
Learn MoreFiling your income tax return for FY 2019-20? To make the return filing process simpler, here are a few things to keep in mind.
Learn MoreWhile it is imperative to check what all events are covered under the policy, choosing the right sum insurance is equally important.
Learn MoreLaden with high levels of non-performing assets (NPAs) or bad loans in their books, most banks have made the Indian banking sector a notoriously dangerous one.
Learn MoreEvaluate your earnings and compare it with your expenses. Curtail the unnecessary spending and save the money to celebrate bigger and more important milestones.
Learn MoreThe MPC’s decision to continue with the accommodative stance, despite the current inflationary pressures, clearly demonstrates the RBI’s prioritisation of economic growth over inflation.
Learn MoreThe structure protection plan covers the structure of your house from any kinds of dangers and risks. In addition to this, the policy also protects any permanent fixtures within the house.
Learn MoreFiling of ITR is necessary for carrying forward any losses sustained during the year for set-off in subsequent years
Learn MoreAnnuity products from life insurers cover an individual for life, remove reinvestment risks and are not vulnerable to market volatility
Learn MoreThe ITR forms notified carry some significant changes. Taxpayers should bear in mind these changes while filing their ITR for AY 2020-21.
Learn MoreIf you get your parents enrolled under an individual health cover before they turn 60, there will be no burden of co-payment for a lifetime
Learn MoreBeing wise with money shouldn’t be seen as a punishment but rather as a guilt-free way to make the most of your hard-earned money.
Learn MoreCritical illness insurance policies provide financial support to the insured if they are diagnosed with cancer.
Learn MoreAn emergency corpus can be built over a period of time, allocating a portion of the income in a disciplined manner. In case you use up a part of the corpus for any sudden requirement, you need to replenish the same as quickly as possible for future use.
Learn MoreFor professionals and others, who don't get regular salary, Income Tax Returns (ITRs) are used as income proof for various purposes.
Learn MoreThe deadline for filing returns by individual taxpayers for FY 2019-20 has been extended by a month till December 31, the finance ministry said on Saturday.
Learn MoreGiven the correlation between wealth and well-being, nearly 50 per cent of respondents would like to advise their younger selves to start investing as early as possible in life.
Learn MoreThose who haven’t already planned for retirement, say that they expect to start planning for it by the age of 51, reveals a survey by PGIM India Mutual Fund.
Learn MoreEmployers have ensured to extend help to employees to make the work environment conducive – reimbursement of certain expenses, grant of additional allowances or benefits, extended medical coverages, etc.
Learn MoreThere is a need for a disciplined approach to ensure that balance is created between monthly expenses and savings with the intention to meet long-term financial goals as well as creating emergency funds.
Learn MoreIt has been clarified that a payment gateway would not be required to deduct TDS provided the e-commerce operator has already deducted the tax on the same transaction.
Learn MoreEven if a poor student wants to take assistance from his/her relative(s), the amount of tax will be added to the financial burden if the amount exceeds Rs 7 lakh.
Learn MoreWhether it is rent waivers or vacant property due to lockdown, the government needs to consider the tax impact on rental income
Learn MoreEvery Central Government pensioner has to submit life certificate for further continuation of the pension amount.
Learn MoreA self-employed individual faces a plethora of more challenges than a salaried individual and this is why it is all the more important for a self-employed person to invest in term plan.
Learn MoreThe CBDT has extended the last date for furnishing of belated and revised ITRs for Assessment Year 2019-20.
Learn MoreShould you really opt for the loan restructuring plan if you’re eligible for it and will it be useful to you? Find out.
Learn MoreAccording to the World Heart Federation, heart disease is known to be a silent killer which takes the lives of 17.5 million people each year accounting for 31% of global deaths.
Learn MoreIn a rush to file their ITRs on time, many taxpayers make some ITR filing mistakes which sometimes cost them dearly. Here we take a look at some of them.
Learn MoreCatch up on missed payments as early as possible and make on-time payments to improve your credit score
Learn MoreThese top-up and super top-up plans work as supplementary health plans, especially for policyholders that only hold an employer's health plan as well as for policyholders that have a low sum insured in their basic health plan.
Learn MoreThe uncertainties of healthcare happenings emphasize why millennials need to secure their future and that of their families via term insurance plans.
Learn MoreInsurers offer traditional endowment products with a guaranteed return and these are better suited to those who look for a steady growth of their funds.
Learn MoreITR-1 or Sahaj, which is the most simple form, is for resident individuals whose total annual income is less than Rs 50 lakh and have income from salaries, one house property, interest income and agricultural income up to Rs 5,000.
Learn MoreDepending on the pace of economic recovery, home loan interest rate bottoming out may take anywhere between several months to a few years. So when to switch to a fixed rate depends on this trend in interest rate movement and your own reading of the situation.
Learn MoreMost banks have now lowered their home loan interest rates compared to those of last year while some are offering rates under 7% per annum.
Learn MoreMaharashtra has the highest number of claims, followed by Tamil Nadu. So far, insurers have settled over 1.06 lakh claims amounting to more than Rs 1,000 crore.
Learn MoreHome finance companies are known for easier and hassle-free paperwork, providing higher loan-to-value to borrowers.
Learn MoreWhile some misconceptions restrict users from making the most of their credit cards, others may result in wrong usage. Let’s understand 5 widespread misconceptions about credit cards.
Learn MoreThe trend shows that there is huge demand for short-term COVID-19-specific covers, especially among the first-time buyers of health insurance.
Learn MoreHealth and life insurance is not just a matter of benefit but a necessity in these times of emergency. It is predicted that the majority of individuals will be inclined to get a risk cover.
Learn MoreHealth insurance cover can be purchased not only for yourself but also your spouse, children and parents so that the whole family can enjoy the coverage.
Learn MoreLIC continues to be the dominant life insurer with a market share of 75.90 per cent in policies and 68.74 per cent in first-year premium, it said in a statement on Thursday.
Learn MoreWhile choosing an insurance policy, there are more things to look at instead of just the premium of the policy.
Learn MoreWhile in some cases all the house property may remain self-occupied, in others, the second house property may be given to someone on rent. Here's how you can claim tax benefits on second house.
Learn MoreThe Finance Act 2020 has shifted back to the classical system of taxing dividend in the hands of shareholders/unit holders from 01 April 2020, and abolished dividend distribution tax (DDT), wherein the incidence was on the company.
Learn MoreIf you have already availed the home loan, you can always go ahead and refinance your loan at a lower interest rate, from other banks or housing finance companies.
Learn MoreOnly banks are mandated to offer loans based on an external benchmark rate (EBR) or loans linked to MCLR.
Learn MoreThe New Form 26AS would help the honest taxpayers with updated financial transactions while filing their returns, whereas it will desist those taxpayers who inadvertently conceal financial transactions in their returns.
Learn MoreEveryone wants to become a crorepati and win lakhs and crores of prize money on TV game shows like KBC. However, have you ever wondered whether that prize money is tax-free or one has to pay some tax on that?
Learn MoreNormally, the due date for completion of filing Income Tax Return (ITR) is July 31 of the relevant Assessment Year (AY) for the assessees, whose income needn't be audited.
Learn MoreWhile filing ITR, there are some common mistakes that you must avoid at all costs. Here are some of the mistakes that can result in getting an income tax notice.
Learn MoreThe situation is particularly alarming for senior citizens as their hard earned retirement corpus would be eaten up by high inflation and taxes.
Learn MoreWhile a loan applicant can do very little on the income, job and employer fronts, he can certainly take some steps on the credit score and EMI affordability fronts to improve his loan eligibility.
Learn MoreWhat if you are able to ride through the economic recession without making a reduction in your family’s standards of living, your children’s higher education or your life goals? All of this is actually possible with the power of Passive Income.
Learn MoreThe Supreme Court and consumer courts have repeatedly ruled that homebuyers cannot wait indefinitely, but it has not been clarified when compensation can be claimed in the event of a delay.
Learn MoreThe RLLR regime has ensured that the benefits of rate cuts are compulsorily passed on to the borrowers.
Learn MoreSenior Citizens between 60 and 80 years of age and Very Senior Citizens above the age of 80 years enjoy additional tax benefits compared to those available to individuals below the age of 60 years.
Learn MoreThe mistakes in using credit cards can be costly and can even end up making you fall in a debt trap.
Learn MoreThe choice between gold loan and personal loan will primarily depend on the borrower’s needs and profile.
Learn MoreThe government had announced some relief measures in relation to payment of taxes during the lockdown period. One such relief is reducing the interest liability on tax payments falling due between March 20 and June 29, but paid by June 30, 2020.
Learn MoreIn view of the lockdown and restrictions due to the COVID 19 pandemic, the Government of India has recently announced certain relaxations on the timelines relating to statutory compliance matters.
Learn MoreThe Concessional Tax Rate regime permits the CBDT to notify the allowances which shall continue to be exempt in the hands of the salaried taxpayers opting for CTR.
Learn MoreBefore you actually sit down to file your income tax return (ITR) for FY2019-20 or AY 2020-21, there are certain tasks which you need to complete beforehand.
Learn MoreNational Insurance Awareness Day 2020: In the wake of COVID-19 outbreak, insurance has become one of the most important financial tools to have for the worst times
Learn MoreUniversalising life insurance can help citizens in case of a financial crisis, whether at individual or national level, during their lifetime as well as after death
Learn MoreIn a bid to mitigate the hardship of individual taxpayers and businesses in times of the Covid-19 pandemic, the government has made some changes in the income tax compliance requirements.
Learn MoreWhen filing Income Tax Return (for FY 2020-21), you have to calculate tax by adding up income from all sources and subtracting deductions under Section 80C/ 80D/ standard deduction, etc.
Learn MoreFinancial loss is a real issue in situations like the COVID-19 pandemic when one doesn’t know treatment costs and whether the government will pay or not.
Learn MoreFloods during monsoon can damage assets such as homes, manufacturing establishments, factories, shops and offices. A comprehensive insurance cover can help in such a situation
Learn MoreChapter VI A of Income Tax Act contains various sub-sections of section 80 that allows an assessee to claim deductions from the gross total income.
Learn MoreReviewing your credit report not only helps keeping a check on your credit score, it would also give you sufficient time to take corrective measures and rectify errors, if required.
Learn MoreThe notified income tax return forms enable taxpayers to claim tax deductions for tax-saving investments, payments, donations and investments for capital gains exemption, made during the extended period until 30 June 2020.
Learn MoreThe CBDT circular provides relief to those stranded in India during FY 2019-20. CBDT has also tweeted that another circular for FY 2020-21 will be issued once the travel ban is lifted.
Learn MoreThe transmission of low interest rates has been quicker in the case of Repo-Linked Lending Rates than Marginal Cost-of Lending Rate or a Base Lending Rate home loan.
Learn MoreLoans against insurance policies are generally offered against selected traditional or endowment life insurance policies that have a surrender value. Note that, there is a waiting period of 3 years for policies to be eligible for loans.
Learn MoreThe taxpayers who owe no GST tax to the government till now had to log onto the GST tax portal and file their tax returns but now the same facility could be availed by sending a simple text message.
Learn MoreCommerce & Industry Minister Piyush Goyal has advised builders to sell projects at reduced prices to clear unsold inventory. However, is it possible for developers to do that?
Learn MoreIn the absence of proof, it may not be possible to get moratorium for April 2020. However for availing the moratorium for May to August 2020, drop an email on hello@clix.capital.
Learn MoreWhile the ongoing lockdown is likely to impact your loan processing and disbursal due to limited staff and working hours, keeping in mind these five tips will certainly boost your loan approval chances.
Learn MoreGetting stuck in a credit card debt spiral not only ruins one's budget but also eats into all of their future income until it’s cleared. Hence, credit cardholders should understand that and avoid extensive use of their cards
Learn MoreAs the Financial Year (FY) 2019-20 ended in the midst of the nationwide lockdown to contain the spread of COVID-19, many taxpayers faced hardship in making last minute tax-saving investments.
Learn MoreOther banks offer higher interest rates — HDFC Bank pays 5.6% and both ICICI Bank and Bank of Baroda pay 5.55% for the same product.
Learn MoreThe revamped Form 26AS will now come into effect from June 1, the Central Board of Direct Taxes (CBDT) said.
Learn MoreSBI Latest FD Rates: The new rates of interest will apply to fresh deposits and renewals of maturing deposits.
Learn MorePeople facing job loss or salary cuts may be in financial distress and need funds urgently to meet their day-to-day expenses.
Learn MorePolicyholders should take all possible steps to avert further damage. As insurance companies do not allow policyholders to make a profit out of a claim, therefore, any exaggeration of a claim will not be entertained.
Learn MoreIn the Modified PMVVY, the interest rate will keep varying depending on the financial year in which the investment is made.
Learn MoreEPF calculation: In the CTC salary model, take-home pay goes up by 4% of wages before tax, but for others hike in take-home is at the cost of reduced total salary.
Learn MoreHome, Personal Loan EMI Moratorium: With the hardship continuing due to the ongoing lockdown, the RBI has extended the moratorium of term loans by a further three months till August 31, 2020.
Learn MoreBelieve it or not but there are insurance policies which can help substitute your income in case of contingencies. Let’s understand the different types of insurance plans which help cover the loss of income in this pandemic
Learn MoreBefore finalising your home-buying plans in the shadow of the Covid-19 crisis, you should take a moment to first understand how the pandemic is impacting the real estate sector.
Learn MoreHere is how the new RBI steps will impact the common man including borrowers, depositors and businessmen.
Learn MoreInitially an assured rate of return of 7.40 % per annum for the year 2020-21 per annum will be provided and thereafter to be reset every year.
Learn MorePost-COVID-19, the environment could be different and as a young and salaried buyer, one needs to keep following them for the opportune time.
Learn MoreSenior citizens need to check the rules for waiting period for cover of existing diseases and co-payment charges when selecting a health insurance plan.
Learn MoreLong-term health insurance is undoubtedly the most economical and viable health and practical choice, given the increase in lifestyle diseases in current times.
Learn MoreAs a salaried employee, go for non-refundable advance from EPF or take loan against your PPF account. You can also take a loan against your life insurance policy to tide over these difficult times
Learn MoreIn times like the current one, when even getting out of one's home and meeting people are considered risky, there should be no excuse for not having adequate life and health cover if one can afford it.
Learn MoreAt a time when the whole world is dealing with the COVID-19 crisis, fraudsters are coming up with new ways to steal money as well as data from users.
Learn MoreOut of box situations do demand out of Court settlement-mediation, conciliation and negotiation- as Courts have their own limitations, we must be conscious of.
Learn MoreThe IRDAI states that the premium installment facility may be offered either as a permanent feature or may be offered as a temporary relief for a period of 12 months.
Learn MoreInsurance as a primary ingredient in a holistic and well-rounded financial portfolio is going to be the most immediate demand of a post-Covid developing world.
Learn MoreAdopting these 5 ways can help manage your credit card dues, without incurring hefty finance charges.
Learn MoreThere has been an increase in the use of online tools and apps which brings with it a heightened risk of Cyber fraud.
Learn MoreAs per the directions of IRDAI, insurers have even introduced Coronavirus-specific health insurance products that provide dedicated coverage against the deadly virus.
Learn MoreNo decision has been made on when passenger train services will be resumed on the Indian Railways network.
Learn MoreFrom an individual tax perspective, most of the proposals of the Finance Bill, 2020 have been incorporated in the Act with /without modifications.
Learn MoreThe government has decided to provide immediate tax relief to about 1 lakh businesses and 14 lakh taxpayers.
Learn MoreIt is not necessary that everyone can avoid contracting this disease. This is where a health insurance policy can help you even in the current times.
Learn MoreThe loan deferment is a welcome move for the borrowers who are facing any cash flow mismatch on account of the recent outbreak of Covid-19.
Learn MoreAfter today's rate cut, it remains to be seen how much impact with the recent rate cuts, it will have on the home loan and other borrowers.
Learn MoreThe Finance Minister Nirmala Sitharaman in a press conference has announced that the last date for filing tax returns has been extended.
Learn MorePAN-Aadhaar Link Deadline: The last date for PAN-Aadhaar linking has been extended
Learn MoreFollowing the day long 'Janta Curfew' on March 22 to ensure that people maintain social distancing, many states have announced lock down till March 31, 2020.
Learn MoreTreatment expenses can be reimbursed by insurer or customer can opt for cashless facility
Learn MoreThe Indian Banks' Association (IBA) has announced that effective Monday banks will undertake only essential services like cash deposit and withdrawal, cheque clearances, remittances and government transactions.
Learn MoreThe banks have started sending awareness messages to avoid visiting public places and the use of currency notes.
Learn MoreWith the rising cases of coronavirus in the country, several banks have revised their banking times and have suspended non-essential services.
Learn MoreS&P BSE Sensex recorded its worst ever single day fall after closing down by 3,934 points or 13.15 per cent. Earlier on March 12, Sensex crashed 2,912 points to record its worst single-day fall.
Learn MoreKeeping large amount of cash at home is not only a security hazard, but the money locked in lockers also lose their purchasing power over time due to inflation.
Learn MoreA combination of provident fund, super-annuation schemes and NPS can offer limited pension only. Individual pension plans of life insurance companies can help fill up the gap
Learn MoreHere are a few steps that the urban woman should take to be in charge of her money and achieve financial independence.
Learn MoreOn International Women's Day, if you or your friends are getting ready to start their family and have kids – there's a helping hand from health insurance policies in India.
Learn MoreSome insurance companies are also offering discounts based on the profession of the insured (viz: doctors, teachers, lawyers etc). But beware of car insurance firms who claim to offer 'free' insurance - this is usually free only for the first year and cannot be customized.
Learn MoreThe costs of hospitalisation including the treatment during the quarantine period have to be settled by insurers as per the terms and conditions of the policy.
Learn MoreContributions to retirement benefit schemes like EPF, Superannuation Fund, NPS etc not only help in building a retirement corpus, but also provide tax benefits.
Learn MoreThe Budget 2020 proposes to amend section 115A of the Act to extend the benefit of not filing return of income to non-residents whose total income includes income by way of royalty or Fees for Technical Services (FTS).
Learn MoreWhen porting your health cover, you are allowed to carry forward the waiting period for pre-existing diseases and maternity already associated with the previous insurer
Learn MoreAs the jewellery has been held for more than three years, this will be long-term capital gains so the sale proceeds shall have to be reduced by indexed cost of acquisition, to arrive at capital gain, which shall be taxed at the rate of 20%.
Learn MoreTo avoid misuse of information by miscreants, users are requested not to share their booking and cancellations details on social media platforms.
Learn MoreGold investment risks and options in India: Being the second-largest consumer of gold, investing in gold and gold jewellery has always been a favourite option in India, especially among women.
Learn MoreEvery day many people still fall prey to such scams and lose a lot of money. These fraudsters take advantage of the ignorance and lack of knowledge of customers on the usage of such new platforms.
Learn MoreWith the purchase of high-end performance cycles supported with adequate riding gears and accessories for the long-distance route, insurance in this sector is also rising.
Learn MoreLife insurance provides insurance cover for many years. The question is, should the requirement of insurance change as times go by?
Learn MoreFrom obtaining a No Objection Certificate to getting back all your original documents, make sure you tie up all the loose ends after paying the last EMI on your home loan
Learn MoreAny error or incorrect information in your credit report can lead to rejection of your credit application. This makes it imperative to develop the habit of reviewing your credit report periodically.
Learn MoreIn the 31st meeting held by the GST council, an introduction to a new GST return system for taxpayers was decided.
Learn MoreThe new coronavirus epidemic is almost certain to become more deadly as the death toll in China alone crosses 2200 mark. However, does your insurance policy cover you for this deadly virus?
Learn MoreIn a falling interest rate scenario, your investments may not fetch the same rate of return thus impacting your regular income needs.
Learn MoreAll general and health insurance companies may offer a Standard Health Insurance Product even before April 1, 2020.
Learn MoreIf women start accepting life insurance as an effective savings and protection tool, it can benefit crores of Indian families and the women themselves.
Learn MoreIf women start accepting life insurance as an effective savings and protection tool, it can benefit crores of Indian families and the women themselves.
Learn MoreYou may face obstacle in claiming tax deductions on interest payment and principal repayment if home loan is taken in joint names.
Learn MoreIndians well settled in a foreign land understand the importance of life insurance to protect the financial needs of their family members.
Learn MoreFirstly, start with making a goal - it doesn't have to be a complicated one. Try to make it simple, sorting out your debts and getting rid of them one by one, building an emergency fund, or making a budget for a big expense.
Learn MoreWhile purchasing life insurance, policyholders should also look at factors other than claim settlement ratios, such as brand, financial robustness of the insurer, product suitability, governance standards, and superior customer service.
Learn MoreHealth insurance, apart from saving you from the massive cost of medical expenses in case of an adversity, even helps you enjoy tax rebate.
Learn MoreNPS TDS Deduction: Annuity payable by the Annuity Service Providers (ASPs) to NRIs and OCIs will be taxed at source in accordance with the rates applicable as per the Double Taxation Avoidance Agreement (DTAA) of the country where they reside.
Learn MoreNPS TDS Deduction: Annuity payable by the Annuity Service Providers (ASPs) to NRIs and OCIs will be taxed at source in accordance with the rates applicable as per the Double Taxation Avoidance Agreement (DTAA) of the country where they reside.
Learn MoreAt a time of economic slowdown, government-owned insurance group LIC has not only gained market share but has also made getting insured attractive to millennial population.
Learn MoreIncome Tax Deductions for Individuals: You may be aware of the deductions from gross total income available under Income Tax Act 1961.
Learn MoreIf the ITR is processed by the I-T Department but still the tax refund is not credited in the bank account, then it might be possible that the taxpayer has not fulfilled the new requirement.
Learn MoreGST Latest Circular: CBIC has made it compulsory to use a unique document identification number (CBIC-DIN) to protect honest taxpayers from any harassment.
Learn MoreOne of the best ways to stay financially secure and independent as a senior is to continue to work, earn and stay relevant.
Learn MoreA taxpayer is eligible to receive an income tax refund when excess taxes have been paid by him either through tax deduction on payments made to him or direct tax payments as advance or self assessment tax.
Learn MoreOn September 6 , IRDAI notified the constitution of a working group to recommend the implementation framework and methodology for a potential premium-driving behaviour regime.
Learn MoreHere are 10 income tax and other investment benefits available exclusively for senior citizens.
Learn MoreUlips provide a risk cover and enable one to invest into equity or debt markets basis their risk appetite and gain significant returns which can then be used to accommodate their goals.
Learn MoreWhile there is scope to bring in more exciting features in traditional products, insurers need to build a committed band of agents who can make customers understand the need to remain loyal to a product for a long time
Learn MoreTo avoid tax notice, penalties and prosecution, taxpayers having total income over Rs 2.5 lakh must not forget filing of their ITR for the AY 2019-20 on or before August 31, 2019.
Learn MoreThe ease of availing funds often leads borrowers to overlook some of the crucial aspects of availing a personal loan.
Learn MoreITR Filing 2019: Unlike salaried individuals, filing tax returns for a freelancer can get slightly complicated. Here's how they can do it.
Learn MoreApart from lower premium, Jeevan Amar plan has much wider features and flexibility in both premium payments and getting death claims compared to now withdrawn term plan Amulya Jeevan.
Learn MoreFor income tax purpose, a senior citizen is an individual resident in India who is of the age of sixty years or more at any time during the relevant previous year.
Learn MoreAfter filing your ITR, if you realise that there was a mistake in entering account details in which refund is scheduled to come, or the details have been changed, log in to your e-filing account to check if the ITR is processed or not.
Learn MoreIt is advisable to be extra careful while filing income tax return this year as even a small mistake can result in the issue of a notice from the Income Tax Department.
Learn MoreTry to save 30% of your net-of-tax earnings and don't fall prey to debt traps by spending more than your earnings
Learn MoreWith interest rates falling, insurers are likely to reduce the annuity rate. Those aged 50 and above must buy annuity policies at current rates to enjoy high income rest of their life
Learn MoreOpting a loan against a life insurance policy is also known as pledging, where a loan can be issued by the insurance companies itself, or any other financial institutions.
Learn MoreNumerous people buy health insurance without knowing its numerous exclusions, one amongst which is waiting period. Here's all you need to know.
Learn MoreWithout Form 16 and with Form 26AS showing no TDS was deducted and deposited, many employees are in dilemma how to file ITR on time and whether to pay tax again.
Learn MoreIRDAI has constantly issued such public notices communicating policyholders and new buyers that it does not sell any insurance products.
Learn MoreSalary received from all the employers during the financial year will have to be clubbed to arrive at your total income and be taxed accordingly.
Learn MoreIf your neighbors or any third-party gets harmed, due to fire break down in your house, the insurance company covering your house will also pay for such incidents.
Learn MoreITR Filing: Make sure to file your income tax return on or before the due date of August 31, 2019 to avoid penalties.
Learn MoreOne of the most important factors to take into consideration when choosing a home loan is the interest rate.
Learn MoreThe survey highlights that instances of taking a loan for family needs are the highest in cities like Patna (61%), followed by Lucknow (58%), Nagpur (56%) and Jaipur (54%).
Learn MoreThe best way one can determine the tenure of one's life insurance policy is by determining the duration of one's financial obligations.
Learn MoreNot only LIC of India's new term plan Jeevan Amar is much cheaper than its just withdrawn Amulya Jeevan Plan, but it is also more flexible and has much wider features.
Learn MoreITR Filing 2019-20: It might be complicated to compute the tax liability of non-salaried taxpayers as their income streams may be irregular in comparison to salaried taxpayers.
Learn MoreWhen planning to buy a life insurance policy, it is often observed that most people fail to understand the various elements that together make a life insurance cover, following which they end up investing in a wrong product.
Learn MoreInsurers classify untimely deaths into various categories, based on which deaths are covered or not covered, and the insurance company declines or pays the death benefit.
Learn MoreTaxpayers usually take into consideration only the income from their main occupation while filing their ITR. However, it is also important to factor in the income from “other sources”.
Learn MoreIncome Tax Return e-Filing for AY 2019-20: ELSS is considered as one of the most attractive tax-saving investments, because of its capacity to generate higher return in the long term, as well as for its tax efficiency.
Learn MoreEarlier, in case of the policyholder's death by suicide, during the first year of policy issuance, there were no regulatory provisions for any refund to a policyholder.
Learn MoreHow to file income tax return: Reporting LTCG details while filing the income tax return (ITR) for the assessment year 2019-20 has now been simplified.
Learn MoreAadhaar-PAN name mismatch: If your name is different in PAN and Aadhaar Card, you will face difficulties in linking your PAN and Aadhaar Card.
Learn MoreIt is important to understand the kind of policies available and choosing the right health insurance coverage as per your health conditions and family type.
Learn MoreUnion Budget 2019 India: Benefits for housing has been one of the key areas of focus for the government and there has been heightened expectations from the common man since the current limit of deduction for housing loan interest at Rs. 200,000 per annum is grossly inadequate.
Learn MoreLIC’s Nav Jeevan plan is a non-linked with profit endowment assurance plan, with the options to pay either single premium or limited premium for 5 years.
Learn MoreVarious companies have disease-specific plans, such as those for cancer and diabetes. Critical illness plans offer cover even after the insured have been diagnosed with any of the listed critical illness.
Learn MoreThese riders are nothing but additional covers such as term rider, accidental death and disability rider, waiver of premium rider, critical illness rider, etc., offering benefits beyond the conventional insurance policy.
Learn MoreThe customers of Life Insurance Corporation (LIC) of India need not worry anymore about remembering the due date of paying the LIC premium or take out time to stand in a queue to pay the renewal premium.
Learn MoreWhen an individual is buying life insurance, the core purpose should not be limited to just tax saving. It has a more significant purpose and importance to our lives.
Learn MoreBudget 2019 India: Increase the basic assumption limit by Rs 50,000 including for the senior citizen. The women taxpayers may also get a higher base exemption limit in Union Budget, says Kuldip Kumar, Partner and Leader Personal Tax, PwC.
Learn MoreGiven the sharp increase in medical costs, it imperative to opt for a health insurance plan as with old age comes several ailments that are expensive to treat and care for.
Learn MoreUnion Budget 2019 India: A GST waiver should be approved for Life Protection Plans because while life insurance gives people financial protection, consumption of alcohol is considered dangerous to health.
Learn MoreTaxpayers would like to know their entitlement to deductions towards the payments for housing accommodation and their entitlement for house rent exemption. Here's how the tax works out.
Learn MoreWhen you invest in an FD, the principal amount is invested at a fixed interest rate and you gain interest on your deposits, which accrues and grows over time.
Learn MoreFiling ITR on time is beneficial in many ways while keeping you tax-compliant. Here's all you need to know.
Learn MoreBuyers using credit need to be cautious of the fact that they don’t end up in a debt trap. Here are ways to manage debt better even while using a credit card.
Learn MoreESI scheme being contributory in nature, all the employees in the factories or establishments to which the Act applies shall be insured in a manner provided by the Act.
Learn MoreMake sure you call and inform the insurer of your health-related emergency and which hospital you are going to be admitted in.
Learn MoreWhile finding the perfect gift is anyway a difficult task, what’s more difficult is finding a meaningful gift that would express your heartfelt love for your father.
Learn MoreWhen it comes to taxation, we often tend to use the terms tax credit and tax deduction interchangeably. However, are these two the same?
Learn MoreThe most important factor to be considered about the issuer of debt, is the ability to repay the capital, and also the interest payouts.
Learn MoreInvestments have three characteristics: safety, income and growth. The first thing you need to decide is which of these three characteristics is most important
Learn MoreOften people don’t save and plan for their retirement, assuming that when the time comes, employer benefits will be enough. However, they will not cover all your retirement needs.
Learn MoreYou can significantly reduce your income tax outgo if you use the perquisites provided by your employer in the right way.
Learn MoreIt is important for us to re-evaluate our health insurance on a regular basis just to make sure that we and our family members are adequately covered.
Learn MoreA non-resident or a person not ordinarily resident in India, earning income in the form of salary and interest, is required to furnish return of income in India.
Learn MoreLife insurance is an important piece of every family’s financial protection plan, but it is especially important for single parents.
Learn MoreIn India, there are numerous insurance companies offering sufficient home insurance policies to cover your home against a natural disaster.
Learn MoreThe Central Board of Direct Taxes (CBDT) specified that non-individuals are mandatorily required to apply for PAN in case they do not possess one by May 31, 2019.
Learn MoreWhen you take a loan, do review your insurance covers. Repayment of loan even when you are not around, will ensure that your family get peaceful enjoyment of assets you built using the loan
Learn MoreThe kind of post-retirement lifestyle you envisage, family circumstances, your health status—all influence what kind of a nest egg you will need for your sunset years.
Learn MoreScrutiny notice received by an individual can be grouped into limited scrutiny or complete scrutiny.
Learn MoreAn NRI need not be present while buying the policy; he or she can purchase the policy from his or her current resident country either through online mode or by communicating via written communication with the insurer.
Learn MoreThe most appropriate financial planning tool available to ensure the safety of one’s loved ones is a Family Floater health insurance plan that covers each family member.
Learn MoreThe exemption limit for the financial year 2019-20 available to a resident senior citizen is Rs. 3 lakh.
Learn MoreIn order to avoid a situation where you are not able to make a car insurance claim, you should familiarize yourself with the reasons why even a genuine claim made on your behalf may get rejected.
Learn MoreIf you are relying on your group health insurance and plan to buy a cover after retirement, it will not only be expensive but insurers may reject your case on medical grounds
Learn MorePolicyholders should be aware of the common reasons that could lead to a rejection of a claim, leading to financial distress to the nominee or beneficiary.
Learn MoreTop-up loans mean the bank adds an additional amount to the borrower's existing home loan. Taking a top-up loan on an existing home loan is a better option, as they are easily available at a good interest rate.
Learn MoreCreating a secured financial future for the newborn is one of the most important things young parents should do, but very often many of them do not know what to do and where to begin.
Learn MoreAny income arising to a resident of India from any source shall be taxable in India. Hence, income earned from the transfer of shares held by a resident of India in a foreign country will be taxable under the head “income from capital gains” in India.
Learn MorePersonal loans are popular and easily accessible, but pay attention to the various charges, fees and penalties.
Learn MoreWith Thursday’s fall, the Sensex has lost 1,508.42 points or about 4% in the last seven sessions, marking its longest losing streak in nearly three months.
Learn MoreYour life insurance should be big enough to take care of your present as well as future needs of your dependents
Learn MoreAwareness levels around the concept of Living Will were poorest in Jaipur and Chandigarh, while with 36% and 31% respectively, the awareness levels in Delhi and Mumbai were highest.
Learn MoreThe advertisement campaigns often launched by insurers focus on promoting particular insurance plans and not the concept of insurance.
Learn MorePermanent Account Number (PAN) is the tax identification number mandatory for filing income tax returns (ITR) and can be applied either online or offline.
Learn MoreDo you know what will be the value of today's Rs 1 crore 30 years later? It will be Rs 23 lakh if you consider inflation at 5%. So, in three decades a neat sum of today can become less than one-fourth of its value
Learn MoreInsurance sector regulator Irdai has asked all the insurers to inform policyholders through messages on receipt of premium from January 1, aimed at protecting the interest of consumers.
Learn MoreInvestors are quite often unsure about how much money they need for a comfortable retirement. If Rs 1 crore is good enough for you, here's how you can save that much money.
Learn MoreCBDT has clarified that in the case of senior citizens, no TDS is required to be deducted u/s 194A, where the amount of such income doesn't exceed Rs 50,000 in aggregate.
Learn MorePermanent Account Number (PAN) is the tax identification number mandatory for filing income tax returns and can be applied either online or offline.
Learn MoreWhen buying an adequate health insurance, there are numerous factors that must be kept in mind to get the best coverage possible.
Learn MoreIf you are an SBI customer, then you need to be aware of the latest steps your bank has taken or is going to take in the immediate future.
Learn MoreAs per the Income Tax Act, PAN is necessary to be quoted in various documents or transactions. However, in certain cases Form No 60 can also be used. Here's all you need to know.
Learn MoreMost people wait for the tax season to set in to buy insurance policies in a bid to save tax. That's, however, not a good idea. Here's why.
Learn MoreThe income tax department Tuesday said quoting of father's name in PAN application forms will not be mandatory in cases where mother of the applicant is a single parent.
Learn MoreRemember, planning for your retirement is a continuing process. It needs a lot of introspection, discipline and your time.
Learn MoreAfter retirement, many government employees choose to move to a different location, causing a huge logistical issue for them to access the Life Certificate to get their rightful pension amount.
Learn MoreClose to 78% of the total 347 equity mutual fund schemes have registered negative returns in the last one year, with over 106 schemes giving negative returns of more than 10%
Learn MoreIRDAI has recently proposed new draft product guidelines for linked and non-linked life insurance policies, which are set to benefit insurance buyers substantially.
Learn MoreThe basic objective of buying life insurance is to provide maximum financial security to the dependants in case of untimely death of the policyholder.
Learn MoreThe Delhi High Court has recently approved initiating prosecution proceedings against an individual taxpayer for not filing ITR and failing to respond to the tax notices sent to him.
Learn MoreYour financial health is extremely important as it determines how well you will be able to achieve your goals and ambitions, and in turn improve your quality of life.
Learn MoreWhile planning your cash flow strategy for the later years, you need to ask yourself if you are creating enough to last a lifetime?
Learn MoreWith the NPS money started gushing in after the change of pension policy of the Central and sate governments in 2004, LIC has launched a new pension plan – Jeevan Shanti.
Learn MoreUnlike a corporate policy, which you can avail till you are working in the organisation, your own health insurance policy will remain with you as long as you keep renewing it.
Learn MoreIf you want to claim your income tax refund, then you should keep a few important things in mind. Here is all you need to know.
Learn MoreA life insurance policy is a long-term contract between the policyholder and the insurer for financial protection to the dependents if the policyholder dies during the tenure of the policy.
Learn MoreWith 72% of Nifty mid-cap stocks falling this year — and 28% by more than a fourth — the market is mostly in a bear grip
Learn MoreLeave travel allowance and house rent allowance are two of the simplest ways in which a salaried employee can save tax
Learn MoreThirty people including 22 tele-callers have been arrested by the Cyberabad police in New Delhi for allegedly cheating nearly 2,000 SBI credit card holders to the tune of Rs five crore.
Learn MoreLife insurance is the most secure way to provide safety to your loved ones. However, choosing the right insurer is not an easy job.
Learn MoreIncome Tax rules require the legal representative to pay tax and file ITR in case property is inherited from the deceased. This article discusses in detail the various tax compliances arising after the death of a person.
Learn MoreInvesting in the name of parents and parents-in-law can not only help save tax but also ensure higher post-tax returns on investment.
Learn MoreBitcoin’s meteoric rise last year had many observers calling it one of the biggest speculative manias in history. The cryptocurrency’s 2018 crash may help cement its place in the bubble record books.
Learn MoreLife Insurance has several benefits. We often ignore how valuable it can be because of the unawareness. Here are reasons why you must cover yourself under a life insurance today.
Learn MoreAn insurer’s claims settlement ratio and lapse ratio alongwith average productivity of its insurance agent tells how efficient an insurer is
Learn MoreFiling of the income tax return is important because it is the documented proof of your income. However, you cannot file your return without some documents.
Learn MoreHow many Indians are covered by life insurance? According to Irdai’s Handbook 2016-17 (Table 9A), 32.81 crore of policies are in force in the books of life insurance firms in India.
Learn MoreLife Insurance Corporation of India (LIC) bettered the industry growth average by registering 16% year-on-year growth at Rs 2,494.7 crore, data from Kotak Institutional Equities showed.
Learn MoreInsurance companies offer a wide range of specialised travel insurance plans such as family floater, senior citizens, students and multiple trips plans for business travelers.
Learn MoreGiven that the self-employed have irregular income, it is essential to have adequate emergency funds, life and medical insurance
Learn MoreAs the new financial year has already begun, people have started mulling over where to invest and how to save tax during this year. Here are the key tax changes which may impact your cash flows and investment decisions for FY2018-19.
Learn MoreRetired people, after starting the second innings of their life, look out for steady regular income from their investments.
Learn MoreSenior citizens can now invest up to `15 lakh in the pension scheme to get Rs 10,000 a month for 10 years and protect against any fall in the interest rate
Learn MoreLiving a financially-secured retirement life requires strong and disciplined financial planning for a significant period of time to build an adequate retirement corpus. Unfortunately, that is not done in most cases!
Learn MoreSome of you might wonder that you haven’t received your Form 16 yet and, also, there is ample time for income tax filing for FY2017-18, then why to start getting prepared for the same at this point of time? Here are the reasons.
Learn MoreLIC's western zone, which has been the flagship for the Corporation from the beginning, has sold a record Rs 9,002 crore in new premium in FY18, adding 3,463,582 new customers, the life insurance giant has said.
Learn MoreIn the wake of the Income Tax Department's warning to salaried taxpayers, you not only need to be tax-compliant, but also need to file your I-T returns carefully if you want to avoid the wrath of the taxmen.
Learn MoreBefore filing the income tax return for FY2017-18, we need to take cognizance of the latest changes in the tax rules to enable ourselves to file tax returns correctly.
Learn MoreIf you want to save tax and also avoid the wrath of the taxmen, then you are required to do a number of things throughout the year to achieve your goals and be tax-compliant. Here are some top tasks you need to complete in FY18-19.
Learn MoreAt a time when corporate loan growth has slowed down, retail loans have reached a new high, at 25% of overall loans in February, as per RBI data.
Learn MoreAt this stage of life, a financial mistake can be detrimental to you and your family's future, as you may not have much time to recuperate.
Learn MoreYou can buy a health insurance policy up to the age of 65 years. Once the proposal is accepted, there is no exit age provided the policy is continuously renewed
Learn MoreAs we step into the new fiscal year, it is imperative that we plan our finances. Let us review the key changes which may impact the cash flow and investment decisions for FY2018-19.
Learn MoreMarch 31st is just a few days away. This means that many of your financial tasks, which you could not complete during the year, need to be completed during the next few days. Here's what you must do.
Learn MoreIrdai has directed insurance firms not to reject any health insurance claim based on exclusions related to genetic disorder. This follows Delhi High Court’s judgement that the exclusionary clause of genetic disorders in the insurance policy is ambiguous and discriminatory.
Learn MoreThe exposure draft said that in case of vintage cars, a discount of 50 per cent would be allowed for private cars certified as 'vintage cars' by Vintage and Classic Car Club of India. There is a proposal to reduce the third-party premium on in certain category of vehicles (four-wheeled) used for carrying passengers.
Learn MoreLife insurance policies are better designed to pay the benefits at critical milestones in a child’s career by providing cover against the risk of death and ensuring that child’s education is fulfilled under all circumstances.
Learn MoreThough their interest rates have been falling since April 2016, popular schemes like Public Provident Fund (PPF) still remain the most sought after investment option to create a tax-free nest egg.
Learn MoreBesides, the loan processing cost, interest rates on loan, documentation for loan against life insurance are quite less and hassle-free compared to taking a personal loan.
Learn MoreIt is that time of the year when taxpayers are looking for options to save their income tax liability as individuals have to make the investment before March 31, 2018 to claim the deduction in the financial year 2017-18.
Learn MoreFrom preparing a financial plan to automating bill payments to reducing your debt burden, each plays a big role in ensuring good financial health
Learn MoreClaim Settlement Ratio is the total number of death claims approved by an insurance company in a financial year. While LIC paid claims on 7,56,399 policies, ICICI Pru Life settled 10,539 policies in FY17. HDFC paid claims on 12,421 policies in the same time period.
Learn MoreBitcoins or cryptocurrencies are new buzzwords both for investors and tax authorities.
Learn MoreRetirement planning must be a continuous process with an appropriate asset allocation strategy comprising equity, debt, gold, real estate and even alternative investments.
Learn MoreInsufficient life insurance cover and mismanagement of a life insurance contract can ruin the future of your dependents
Learn MoreThe main reason behind under insurance is lack of awareness and knowledge. Due to this, the insured remains exposed to a number of dangers.
Learn MoreNTPC on Thursday informed stock exchanges that Life Insurance Corporation (LIC) of India now holds a 14.24% stake in the company, a day after the government raised about Rs 9,100 crore by selling a 7% stake in the state-run power producer through an offer for sale (OFS).
Learn MoreNon-resident can claim benefit of DTAA to avoid income tax here. A non-resident is taxed only on income that is received in India, or that accrues or arises, or is deemed to accrue or arise, in India. Since salary income is received in India it will be chargeable to tax in India.
Learn MoreLife insurance is a long-term contract. Check your insurance company’s reputation, its claim settlement record and whether it has a trained workforce before signing on the dotted line
Learn MoreThe revised PPF and NSCs are set at 7.8%, while KVPs will earn only 7.5%.
Learn MoreWhile growing financial awareness has helped the surge in popularity of health insurance, many insurance features are still unknown to the vast majority of policyholders.
Learn MoreThere are various reasons for women not buying as much health insurance as men do. Let’s take a look at them, and what can be done to fix it.
Learn MoreAssuming your total taxable income for FY 2016-17 is below Rs 2.5 lakh, as per income tax provisions it is not mandatory to file return of income.
Learn MoreLand auctions conducted by the City and Industrial Development Corporation in Navi Mumbai last week saw bids lower by as much as 40% compared with those in November.
Learn MoreThe policyholder or his nominee has to raise the claim for any due payment including death claim, maturity claim, survival benefit or premium due for refund within three years.
Learn MoreA very recent research report has revealed that in India, only road accidents have claimed 1,50,000 lives in 2015, a very disturbing figure indeed. Similarly, data regarding railway accidents are equally frightening
Learn MoreLIC registered a 27.22% growth in FY17, higher than the industry average as well as its private peers.
Learn MoreGeneral insurance companies saw their gross direct premium at Rs 1.27 lakh crore, a growth of 32% in financial year 2016-17.
Learn MoreAs India is vulnerable to natural disasters such as earthquakes, tsunamis and cyclones, here are some insurance covers which you must have to protect yourself and family during any natural calamity.
Learn MoreThe government today appointed two more managing directors to the nation’s largest financial powerhouse LIC — B Venugopal and Sunita Sharma, for a period of nearly two years.
Learn MoreThe announcement of new income tax return (ITR) forms usually marks the start of a new financial year. From announcing a new, compact and short ITR-1, the total number of forms has also been brought down to seven from nine earlier. Here are some key issues that an assesses must keep in mind while filing his returns for AY 2017-18.
Learn MoreIT is commonly believed that life insurance plans are meant for saving on individual taxes. This belief is further reinforced by reports appearing in the media during the last quarter of the financial year when people start thinking about optimising their tax liability through various exemptions allowed by the Income Tax Act.
Learn MoreNon-life insurance companies' total premium grew 33.4 per cent to Rs 10,287.74 crore in February this year. While, specialised PSU insurers’ underwritten premium during the month rose by 124 per cent to Rs 890.22 crore.
Learn MoreThe life insurance industry registered 35.13% growth for new business premium till January 2017, largely due to the high growth in the group as well as individual single premium policy.
Learn MoreThe new business premium of life insurance companies grew by 27.8 per cent to Rs 13,138.10 crore in January, compared with the year-ago month.
Learn MoreIn order to soothe the pains of demonetisation and widen the tax base, the government may look at moderating the tax rates and broad-basing the taxation system, in the Budget, to be presented by finance minister Arun Jaitley on February 1. The big challenge for the government is to plug the issue of low compliance
Learn MoreAccording to M Ravichandran insurance is treated as a compulsion and not as an essential component and the government can do much in changing this perception.
Learn MoreGovernment may levy a charge on cash payments and cash deposits, and bring more cash transactions under the radar of PAN tracking.
Learn MoreEven after the passage of two months since the government withdrew high value currency notes from the market, dust is yet to settle down on the issue, with both support and opposition stacked up in equal measure.
Learn MoreWith Election Commission announcing the poll dates for five states - Goa, Uttar Pradesh, Uttarakhand, Punjab and Manipur- the question that arises now is, whether the Budget can be presented on February 1 or not?
Learn MoreState Bank chairperson Arundhati Bhattacharya today hinted that the mega merger of its five associate banks and Bharatiya Mahila Bank (BMB) could be pushed to the next financial year as it is still awaiting the government notification on the move.
Learn MoreThe life insurance sector has huge potential to grow as it is one of the important pillars for financial protection
Learn MoreLife Insurance: the first image that comes to most people’s minds upon hearing this phrase is some variation of an old couple playing with their grand kid.
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