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Personal Finance Tips: Most of us keep saving money through fixed deposits (FDs), recurring deposits (RDs), provident fund (PF) accounts or systematic investment plans (SIPs) without giving it the thought it actually deserves. The bank deduction goes through, the balance inches up, the graph rises and everything looks fine on the surface. But underneath this…
Last Updated:November 25, 2025, 7:30 PM IST Guaranteed return plans offer up to 6.9% tax-free returns from day one, remaining unaffected by future interest rate changes or market fluctuations FDs, which were considered safe investments, no longer offer the same returns as before. (Representative/Shutterstock) The financial environment is continually evolving, with interest rates fluctuating and…
Planning for retirement is essential for ensuring financial security in your later years. In India, several government-backed and regulated schemes are designed specifically to help individuals save for retirement. This article explores key retirement schemes that play a crucial role in financial planning. 1. Employee Provident Fund (EPF) The Employee Provident Fund (EPF) is a…