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6 Reasons Why You Should Prepare Your Financial Plan Today

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6 Reasons Why You Should Prepare Your Financial Plan Today

In a world where financial stability is both a goal and a challenge, one thing is certain: you are going to have financial milestones and goals to reach, which makes planning paramount. Whether you dream of a comfortable retirement, pursuing your passions, or achieving personal milestones, having a solid financial plan in place can be the key to turning those dreams into reality. In this blog, we delve into the top 6 reasons why you should prepare your financial plan today, empowering you to take control of your financial destiny and build a life of security and abundance. Financial planning …

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5 Mistakes to Avoid When Filing Your Taxes This Assessment Year

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5 Mistakes to Avoid When Filing Your Taxes This Assessment Year

Filing your taxes can often feel like navigating a labyrinth of documents, rules, regulations, and potential pitfalls. However, armed with the right knowledge, you can successfully steer clear of costly mistakes that could jeopardize your finances or even trigger a tax notice. In this blog, we will explore five common errors that taxpayers often make while filing their taxes, providing you with invaluable insights on how to avoid them. Whether you’re a seasoned taxpayer or a first-timer, this guide will empower you to ensure a smooth and stress-free tax filing experience. So, let’s delve into the five mistakes you need …

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Your Complete Guide to PFF: Renewal, Loan, Withdrawal

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Your Complete Guide to PFF: Renewal, Loan, Withdrawal

In a world where financial security and stability are paramount, exploring investment avenues that offer both growth and safety becomes essential. Public Provident Fund (PPF), a popular and time-tested investment option that has been a trusted ally for individuals looking to secure their financial future. The Public Provident Fund, launched by the Government of India, has been a go-to investment choice for crores of people for over half a century. Individuals unable to be part of the EPF scheme can opt for PPF to save for retirement or meet other financial goals like child’s education or child’s marriage. Here’s a …

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Using the Investor Education & Protection Fund Platform To Claim Shares & Dividends

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Using the Investor Education & Protection Fund Platform To Claim Shares & Dividends

Protecting the interest of investors is one of the primary objectives of SEBI and the government. They regularly come up with rules and regulations that ensure the financial safety of investors. Back in 2016, the government formed Investor Education and Protection Fund (IEPF) to further protect the interest of investors. The IEPF authority ensures that unclaimed shares, dividends, or debentures remain with IEPF until the rightful owners claim them. In this blog post, we will learn what IEPF is all about and how to raise a claim through the IEPF portal. What Is Investor Education and Protection Fund? The government …

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How do you select dividend-paying stocks?

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Dividend stocks are a great way to build long-term wealth, providing you with a steady stream of income while also allowing you to benefit from potential share price appreciation. However, not all dividend stocks are created equal, and it’s not just about the dividend yields! With so many options available, it can be challenging and daunting to select the best ones or know where and how to start. In this blog post, we’ll share some tips and tricks to help you choose the best dividend stocks for your portfolio, ensuring that you maximize your returns and minimize your risks. So …

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Core Sectors In India And How They Impact Your Portfolio

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Core Sectors In India And How They Impact Your Portfolio

Four or five months back, India was standing on the brink of a coal shortage. For a country like India, where 70% of the energy needs are met by coal, the looming shortage rang alarm bells across the country. But why did every industry across all the verticals panic? What’s so dangerous about coal shortage? It’s because the coal sector is a sector upon which most industries depend. No matter which industry a company is associated with, it invariably requires electricity to run properly. There are some industries – like the Aluminium industry – that will be forced to stop …

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Private Funding of Indian Railways to Develop 15 Stations Across India

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Private Funding of Indian Railways to Develop 15 Stations Across India

Indian Railways is under the ownership of the Ministry of Railways, Government of India. This government-run organisation operates the world’s 4th largest National Railways System in the world. It runs about 13169 trains every day (long and short suburban routes), covering around 7325 stations all across the country. Now Indian Railways has planned for a massive overhaul of the entire collection of its operating networks – the stations (urban, suburban, and rural); platforms; locomotive coaches, and engines. This massive boost has been announced by the Government of India under “Make in India.” The railways have announced and identified 2 major …

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নতুন বছরে শুরু হোক লক্ষ্য স্থির করে বিনিয়োগ

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নতুন বছরে শুরু হোক লক্ষ্য স্থির করে বিনিয়োগ

এসে গেল আরও একটা নতুন বছর। গত একবছরে কতটা এগোতে পারলেন? গুছিয়ে নেওয়ার কাজটা সেই কবে থেকে করবেন ভাবছেন! কিন্তু হয়ে উঠল কি? চিন্তা নেই! নতুন একটা লাইন টেনে জীবনটা আজ থেকেই বেশ গুছিয়ে শুরু করুন। নতুন খাতা, হালখাতার প্রয়োজন নেই। হাতের মুঠোয় মোবাইলই আপনার জীবনকে গুছিয়ে নিতে সাহায্য করবে। ব্যাঙ্কের অ্যাপ থেকে গত এপ্রিল থেকে মার্চ – কত খরচ হল দেখে নিন। সহজেই পেয়ে যাবেন। যদি ইচ্ছা হয়, তলিয়ে দেখুন, মাসের সাধারণ খরচ কত হল, ছেলেমেয়ের জন্য নিয়মিত খরচ কত, বছরে বিশেষ বিশেষ সময়ে কত খরচ করেছেন। আলাদা করে শুধু দেখে নিন, নিয়মিত বিনিয়োগের খাতায় কত গেছে। যেমন, মাসিক …

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Silicon Valley Bank Collapse: How the Wave Can Impact Us?

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Silicon Valley Bank Collapse: How the Wave Can Impact Us?

“SVB was not just a bank; it was the lifeline for startups,” said the Chief Financial Officer of one startup on the social media platform Reddit. Now that Silicon Valley Bank (SVB) has been shuttered, not only is the money of the startups stuck, venture capitalist-backed startups will now find it difficult to raise capital. The entire startup funding ecosystem is under threat. But all this information concerns the startups in the United States. What about India? Will the collapse of the SVB negatively impact the growth of listed companies – especially those that depend on banking, financial services, and …

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ELSS কী? কেন এতে বিনিয়োগ করা ঠিক হবে?

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ELSS কী? কেন এতে বিনিয়োগ করা ঠিক হবে?

ELSS বা ইক্যুইটি লিঙ্কড সেভিংস স্কিম এক ধরণের মিউচুয়াল ফান্ড। এই জাতীয় মিউচুয়াল ফান্ডে প্রাথমিকভাবে স্টক মার্কেট বা ইক্যুইটিতে বিনিয়োগ করা হয়। আয়কর আইন ১৯৬১-র ৮০সি ধারার অধীনে কোনও ব্যক্তি এই ELSS-এ বছরে ১,৫০,০০০ টাকা পর্যন্ত বিনিয়োগে কর ছাড়ের সুবিধা পান। এই স্কিমের মাধ্যমে বছরে সর্বাধিক ৪৬,৮০০ টাকা পর্যন্ত কর সাশ্রয় করা যায়। বেশিরভাগ ক্ষেত্রেই দেখা যায়, সাধারণ মানুষ বছরের শুরুতে বা জানুয়ারি মাস আসার আগে কর, বিনিয়োগ ইত্যাদি নিয়ে খুব একটা ভাবনাচিন্তা করেন না। অনেক দেরিতে তাঁদের ঘুম ভাঙে। অফিস থেকে কর সংক্রান্ত নথি জমা দেওয়ার ডাক এলে তখন তাঁরা জেগে ওঠেন। কিন্তু ততক্ষণে অনেকটাই দেরি হয়ে যায়। সেই …

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