Tax and Investments
The article emphasizes the importance of understanding tax implications. It highlights the significance of advance tax payments and the consequences of delays
in income tax refunds. Investors should be aware of the rules governing taxation on gifts received during weddings and the tax treatment of alimony. Furthermore, it touches upon the impact of the new income tax act and the revised forms for ITR filings, particularly for the FY2024-25. The deadline for ITR audits, which fell on December 10, was also addressed, along with guidelines for the Form 12BB review, helpful for salaried employees to minimize TDS. Additionally, it highlights the scrutiny that fake tax deductions undergo and offers advice on dealing with increased scrutiny.
Banking and Loans
Banking and loan-related topics are thoroughly discussed in this financial guide. The article offers updates on changes in lending rates by various banks, including HDFC and PNB, following the RBI's repo rate reduction of 25 basis points to 5.25%. It also examines updates from SBI and Canara Bank regarding their lending and fixed deposit rates. Furthermore, the article delves into the changes in debit card lounge access rules introduced by HDFC Bank and the revamped airport lounge access policy by SBI Card, effective from January 10. The implications of loan recovery calls are also addressed, detailing what agents are permitted and prohibited from doing, according to RBI regulations. It also offers advice on obtaining car loans, with five tips to help borrowers save money and avoid pitfalls.
Market Trends
This article offers insights into market trends and investment strategies, discussing the performance of various investment options. It covers the rising adoption of travel insurance among Indian travelers, with a jump of 43% due to increased risk awareness. It examines the impact of the record IPO boom in India, with Goldman Sachs and JPMorgan predicting it to extend into 2026. Moreover, it explores silver price predictions for 2026 and the potential for a continued rally. A separate section focuses on retirement planning, highlighting ten annuity blind spots investors should avoid, and how a Rs 15,000 monthly investment can be turned into Rs 1 crore based on the 15x15x15 SIP rule. There's also an examination of market corrections by financial experts, along with a look at which stocks are favored in 2026 by brokerages.
IPO Insights
The article provides updates on various IPOs. It highlights the listing details of Corona Remedies IPO, with a GMP increase to 31% ahead of its Monday market debut, and gives a price prediction. The article also covers the ICICI Prudential AMC IPO, noting its subscription status on day one and the rise in GMP. The performance of the KV Toys IPO is detailed, including the finalization of the allotment and the latest GMP. Lastly, there's a look at the Zepto IPO, which is expected soon and is gearing up for a Rs 4,000-crore public offering.
Investment Strategies
The guide addresses investment strategies with the aim to provide clarity for investors. It discusses the impact of RBI's weekly credit updates on borrowers and how Sebi is making IPO document reading easier for retail investors by simplifying issue disclosures. The article also looks at how Sovereign Gold Bonds investors could potentially get returns of 366% as RBI announced the final redemption for a specific SGB series. Insights are provided on the recent surge in the stock market and its potential impact. It also explores various perspectives on the market, like Robert Kiyosaki, who warned of a potential market crash and is betting on silver. The article then provides insights on how the new labor codes could affect take-home pay for individuals.
