# Money Indices

> Empowering Your Financial Future, Every Day.


## Posts

- [How a Good Credit Score Can Reduce Your Home Loan Interest Rate and Save Lakhs](https://moneyindices.com/finance/personal-finance/credit-score-reduce-your-home-loan/): Discover how a good CIBIL credit score can help lower your home loan interest rate, reduce EMIs and save lakhs. Learn practical ways to improve your credit profile and negotiate better lending terms.
- [How to Start Investing in Your 20s (India)](https://moneyindices.com/finance/how-to-start-investing-in-your-20s-india/): Starting to invest in your 20s in India usually means five practical steps: clear short-term cash needs and debts you cannot ignore; build a basic emergency buffer; complete KYC; pick simple regulated products that match your time horizon and risk capacity; and invest regularly while learning.
- [What Is a Mutual Fund SIP and How Does It Work in India?](https://moneyindices.com/finance/what-is-sip-how-it-works-india/): A Systematic Investment Plan (SIP) is a mode of investing a fixed amount in a mutual fund scheme at regular intervals — commonly monthly — instead of only investing a lump sum.
- [What Is Mutual Fund and How Does It Work? (India Beginner Guide)](https://moneyindices.com/finance/what-is-mutual-fund-how-it-works-india/): A mutual fund pools money from many investors, issues units, and invests that money in securities according to a disclosed scheme objective.
- [How to Add or Change a Bank Nominee: Complete Step-by-Step Guide (Online & Offline)](https://moneyindices.com/guides/how-to/how-to-add-or-change-a-bank-nominee/): Declaring a nominee in your bank account can be one of the easiest yet most significant financial decisions that you may do.
- [Don’t Fall for the Equity SIP Illusion: The Truth About Long-Term Wealth Creation](https://moneyindices.com/investment/dont-fall-for-the-equity-sip-illusion/): Investing through SIPs (Systematic Investment Plans) has become one of the most popular ways for Indians to build wealth.
- [The New Income Tax Game 2026: What exactly is this game?](https://moneyindices.com/finance/personal-finance/the-new-income-tax-game-2026/): Following the 2025 Budget and the enactment of the New Income Tax Act 2025, Income Tax is no longer merely a matter of asking, “Should I file a return or not?” It has now literally evolved into a game—and *you* are the player.
- [NPS Vatsalya: Is It a Good Fit for Your Child’s Education Fund?](https://moneyindices.com/finance/personal-finance/nps-vatsalya/): NPS Vatsalya is a PFRDA-regulated National Pension System scheme for minors.
- [Why Fuel Retailers Win While Producers Lag in 2026: Understanding the Oil Price Shift](https://moneyindices.com/markets/gold-commodities/fuel-retailers-win-while-producers/): The global oil market is once again at a turning point.
- [Income Tax Laws & Budget 2026: Where will the new tax amendments land?](https://moneyindices.com/tax/where-will-the-new-tax-amendments-land/): Where will the new tax amendments land — in the old Income Tax Act, 1961 framework, or under the newly structured Income Tax Act, 2025?
- [6 Tax Mistakes to Avoid in the First Year of Retirement (2026 Guide)](https://moneyindices.com/finance/tax-planning/6-tax-mistakes-to-avoid-in-the-first-year-of-retirement/): Retirement is supposed to be a time of relaxation, financial stability, and freedom from workplace stress.
- [Incurred Claim Ratio (ICR): Meaning, Importance & How It Affects Your Health Insurance Decision](https://moneyindices.com/finance/insurance/incurred-claim-ratio/): Health insurance is one of the most important financial protections you can buy.
- [Private Credit in India: Chasing High Yields in Debt’s Wild West – Opportunity or Hidden Risk?](https://moneyindices.com/finance/personal-finance/private-credit-in-india/): The Indian investment landscape is evolving rapidly.
- [Weak Rupee, Costlier Foreign Degrees: Is Studying Abroad Still Worth It in 2026?](https://moneyindices.com/finance/personal-finance/studying-abroad-still-worth-it/): Studying Abroad Still Worth It in 2026 has long been a dream for Indian students.
- [Which Equity Fund Categories Do You Really Need? A Practical Guide for Smart Investors](https://moneyindices.com/markets/mutual-funds/equity-fund-categories/): The Indian mutual fund industry offers more than 10 equity fund categories.
- [How to Handle a Cashless Health Insurance Claim When Hospitals Deny It](https://moneyindices.com/finance/insurance/how-to-handle-a-cashless-health-insurance/): Health insurance is meant to reduce financial stress during emergencies — especially through cashless treatment, where the insurer directly settles the bill with the hospital.
- [Auto Stock Rally 2026: What Drove Maruti, M&M and Bajaj Auto, and the Risks to Know](https://moneyindices.com/markets/stocks/auto-stock-rally-2026/): Summary: India’s auto rally pushed Maruti, M&M and Bajaj Auto to strong gains, driven by festive demand and rural recovery.
- [Credit Cards vs Forex Card: The Best Way to Handle Money When Travelling](https://moneyindices.com/finance/loans-credit/credit-cards-vs-forex-cards/): Summary: Credit cards have become the safest and most cost-efficient way to manage money abroad, thanks to low forex fees, better security, and global acceptance.
- [How Safe Is Your SIP? Understanding the Real Risks and Returns of Systematic Investment Plans](https://moneyindices.com/finance/personal-finance/how-safe-is-your-sip/): Summary SIPs are not fully risk-free — they reduce volatility but don’t guarantee returns. Long-term discipline, market cycles, and investor behavior ultimately decide SIP performance.
- [Gold vs Real Estate: How They Compare for First-Time Investors](https://moneyindices.com/markets/gold-commodities/gold-vs-real-estate/): Summary: Gold usually needs a smaller amount to start and is easier to sell, while real estate needs high upfront costs and long-term commitments.
- [The Global ETF Premium Trap: Why Investors Must Stay Alert](https://moneyindices.com/finance/personal-finance/the-global-etf-premium-trap/): Summary: Global ETFs in India are trading at high premiums due to demand-supply imbalance and regulatory limits.
- [FII Matters How Foreign Investors Shape the Indian Stock Market](https://moneyindices.com/investment/fii-matters/): Foreign Institutional Investors (FIIs) play a crucial role in shaping India’s stock market, with the US alone accounting for over 41% of total FII assets under custody.
- [Time to Expand Market Cap Buckets? | A Detailed Analysis](https://moneyindices.com/stock-market/time-to-expand-market-cap-buckets/): India’s market has grown, but SEBI’s fixed large-cap, mid-cap, and small-cap definitions are outdated.
- [Wedding Gifts Are Tax Free in India — But Keep Proper Documentation](https://moneyindices.com/tax/gifts-are-tax-free/): Wedding gifts in India are completely tax-free.
- [Read the Fine Print to Smoothen Your Travel Insurance Claims](https://moneyindices.com/finance/insurance/travel-insurance-claims/): Traveling is exciting, but unexpected flight delays, missed connections, lost baggage, or medical emergencies can turn a happy trip into a stressful situation.
- [Doing SIP Mutual Fund Tax in Wife's Name? Understand Tax Slab and 'Capital Gains' Rules Clearly!](https://moneyindices.com/finance/sip-mutual-fund-tax-in-wifes-name/): However, long-term investors are not very worried about this.
- [Income Tax Notice Under Section 142 (1): What does it mean? What is its purpose? What is its scope? A full guide for taxpayers](https://moneyindices.com/finance/tax-planning/income-tax-notice-under-section-1421/): Getting an Income Tax Notice can be quite distressing, especially under Section 142(1) of the Income Tax Act.
- [PPF After 15 Years: How Extension Without Contribution Works, With an Example](https://moneyindices.com/finance/the-secret-of-ppf/): PPF explained: The Public Provident Fund (PPF) is a government-backed savings scheme that offers tax exemption and an interest rate set by the government.
- [Emergency Fund: Avoid 'these' mistakes while creating an emergency fund; Learn how to plan properly?](https://moneyindices.com/finance/avoid-these-mistakes-while-creating-an-emergency-fund/): Although many people worry about the future, very few people prepare to face sudden financial crises.
- [IPO wave: rules to follow before you apply](https://moneyindices.com/finance/ipo-wave-follow-these-rules-make-money/): In 2025, India witnessed a huge wave of IPOs.
- [Rule of 72 explained: What is the exact math behind the ‘Rule of 72’?](https://moneyindices.com/investment/the-rich-use-this-secret-formula-to-double-their-investments-rule-of-72/): Rule of 72: If you think that rich people increase their wealth by taking big risks or using some 'magical' scheme, then you are wrong.
- [Your health insurance will not end even after leaving the job; follow this Policy Porting Process](https://moneyindices.com/investment/your-health-insurance-will-not-end-even-after-leaving-the-job/): Group Health Insurance: When a person changes or leaves the job, they often do not realize that their company's group health insurance policy automatically terminates on the same day.
- [Important news about Share Market, important rules will change, what will be the benefit for investors? SEBI's master plan](https://moneyindices.com/stock-market/what-will-be-the-benefit-for-investors-stock-market-new-changes/): Stock Market New Changes: Securities and Exchange Board of India (SEBI), Chairman Tuhin Kant Pandey has said that India's capital markets are no longer just a reflection of economic growth, but have become its main pillar.
- [Banking: Are you thinking of becoming a guarantor for a friend or relative's bank loan? Then read this carefully or else you may face a big problem!](https://moneyindices.com/loans/guarantor-for-a-friend-or-relatives-bank-loan-then-read-this-carefully/): Bank Loan Risk: To get a bank loan, your CIBIL score must be good. Along with that, if your income is regular, the bank will easily give you a loan.
- [AI Stock Crash: What was feared is happening! Finally the bubble bursts, the prediction comes true; 1.5 lakh jobs lost, investors alert!](https://moneyindices.com/stock-market/ai-stock-crash-the-bubble-bursts/): Stock Market Collapse: There is currently a lot of chaos in America, the world's largest economy and stock market.
- [Learn these 5 financial rules at the age of 30: A simple money checklist](https://moneyindices.com/finance/these-5-financial-rules-at-the-age-of-30/): Financial Planning: In today's financial age, everyone wants to earn a good income, and many do.
- [Penny Stocks Explained: Swadeshi Industries and the Risks to Know](https://moneyindices.com/stock-market/shares-of-just-29-paise-go-straight-to-rs-100/): Share Market: The stock market has many ‘penny stocks’, shares of small companies that trade at a very low price.
- [UPI Payment: Does digital payment mean dopamine spending in your brain? Did UPI turn off your 'saving mode'?](https://moneyindices.com/finance/does-digital-payment-mean-dopamine-spending-in-your-brain/): How UPI payments affect your brain: Ever since the concept of digital payment came into our lives, the habit of carrying physical cash has gone.
- [India Manufacturing Hub: Global Hub India! Not just a market, now hi-tech factories in the country; Impact of PM Modi's policies](https://moneyindices.com/business/not-just-a-market-now-hi-tech-factories-in-the-country/): India is no longer just a big 'market'. Now it is rapidly emerging as a global manufacturing hub.
- [Bitcoin Price Fall: Why Bitcoin Fell Sharply in 2025, Explained](https://moneyindices.com/investment/is-this-the-right-time-to-invest-in-bitcoin/): In 2025, the price of Bitcoin fell sharply. In early November 2025, Bitcoin fell sharply from its peak in early October.
- [Why Has Gold Demand Dropped Significantly After Diwali 2025? Key Reasons Explained](https://moneyindices.com/finance/gold-demand-falls-sharply-after-diwali-2025/): Gold demand in India has fallen by 16 per cent in the July-September quarter of the current financial year.
- [5 stages of financial life, explained](https://moneyindices.com/finance/grow-%e2%82%b95-lakhs-into-%e2%82%b950-crores/): Moving through the stages of financial life is not just about money; it is also about thinking, discipline and patience.
- [Government Job: Recruitment for 938 government posts in Maharashtra; Applications can be made till October 27, know the process…](https://moneyindices.com/jobs/recruitment-for-938-government-posts-in-maharashtra/): The Maharashtra Public Service Commission has announced a bumper recruitment for government jobs in the state.
- [Madras High Court recognises crypto as property: Cryptocurrency to be treated as 'property'; Historic Madras High Court verdict](https://moneyindices.com/finance/madras-high-court-recognises-crypto-as-property/): Madras High Court recognises crypto as property: Madras High Court Justice N.
- [Midwest IPO Listing October 2025: Share Price, Subscription, and What Investors Should Know](https://moneyindices.com/stock-market/midwest-ipo-listing-share-price-subscription/): Midwest Limited is a company that sells natural stones like granite and marble. In October 2025, this company made its debut on the stock market in India.
- [Gold Reserves: RBI's gold reserves cross $100 billion for the first time; What is India's foreign exchange reserves?](https://moneyindices.com/finance/rbis-gold-reserves-cross-100-billion-for-the-first-time/): RBI's Gold Reserves: The Reserve Bank of India's (RBI) gold reserves have crossed $100 billion for the first time.
- [Gold Prices Explained: What Has Been Driving Gold, as Discussed in Axis Securities’ Dhanteras 2025 Report](https://moneyindices.com/investment/gold-prediction-gold-to-rise-another-30-percent/): Gold prices: Gold was trading at record levels around Dhanteras 2025.
- [Tata Motors Share Price Dropped by 40%: How the Demerger Adjustment Works](https://moneyindices.com/finance/tata-motors-share-price-down-40-after-demerger/): If you opened your portfolio today and noticed Tata Motors’ share price down by nearly 40%, you might have been alarmed.
- [How to Save Money from Your Salary in 2026](https://moneyindices.com/finance/how-to-save-money-from-your-salary-in-2026/): Saving from your pay in 2026 is not merely about cutting corners; it's about wiser financial planning adjusted to the cost-of-living reality today, unexpected expenses, and a digital lifestyle.
- [BLS International: Business Overview and Key Risks](https://moneyindices.com/investment/bls-international-stock/): BLS International Services Limited works in the citizen services and visa outsourcing segment.
- [Understanding the Nasdaq Composite: Key Insights and 2025 Market Overview](https://moneyindices.com/stock-market/nasdaq-composite-index-2025/): One of the most well-known stock market indices in the world, the NASDAQ Composite tracks the performance of numerous companies that are listed on the NASDAQ stock exchange.
- [Now UPI payments will be made without PIN number; News about the work of GPay, PhonePe users, what is the feature and how will it work?](https://moneyindices.com/finance/upi-payments-will-be-made-without-pin-number/): How to Use Biometric Authentication for UPI Payments: Do you do financial transactions through Google Pay, PhonePe or Paytm? Then this news is for you.
- [Rubicon Research IPO 2025: What You Need to Know](https://moneyindices.com/finance/rubicon-research-ipo-2025/): Rubicon Research, one of the most prominent entities in India's pharmacy landscape, specifically in specialty and generic manufacturing, kicked off the IPO process on October 9, 2025.
- [Tata Capital IPO Allotment Status: How to Check and What to Expect](https://moneyindices.com/finance/tata-capital-ipo-allotment-status/): The Tata Capital IPO closed its subscription process on October 8, 2025, and we wait with bated breath for the long-awaited allotment status announcement today, October 9.
- [Tata Capital and LG Electronics IPO: What Investors Need to Know in 2025](https://moneyindices.com/investment/tata-capital-and-lg-electronics-ipo/): Tata Capital and LG Electronics IPO's - Two of India’s most talked-about initial public offerings (IPOs) took place in October 2025: Tata Capital and LG Electronics India.
- [Gold Rate Today India 2025: Historic Surge, Price Crosses ₹123,000 Per Tola](https://moneyindices.com/finance/gold-rate-today-india-2025/): Gold Rate Today: Gold's historic race, price of one tola crosses ₹123,000, how much did the price increase today?
- [Financial technologies are in rapid transformatory mode in how individuals access consumer loans, with lending becoming more inclusive, transparent, and custom-made.](https://moneyindices.com/finance/financial-technologies-are-in-rapid-transformatory-mode/): Rising financial technology has displaced traditional lending, forging a new world in which fintech firms and their collaborators spearhead innovation throughout the entire credit cycle.

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