PERSONAL FINANCE


Moneylife Digital Team 24 June 2025
Over the past three years, India’s retail credit market has been undergoing a gradual but unmistakable transformation, marked by evolving consumer behaviour, a recalibration of lender strategies and a shift in risk appetite. The June 2025 Credit Market Indicator (CMI) report  released by...

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Moneylife Digital Team 23 June 2025
In response to a worrying increase in requests for help, Moneylife Foundation has launched a new online credit counselling service to provide early-stage guidance to individuals facing personal debt distress. The initiative is accessible to people across India and offers one-time, initial...

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Moneylife Digital Team 23 June 2025
In response to a worrying increase in requests for help, Moneylife Foundation has launched a new online credit counselling service to provide early-stage guidance to individuals facing personal debt distress. The initiative is accessible to people across India and offers one-time, initial...

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Sponsored Post 23 June 2025
Planning for retirement is one of the most important financial goals in life. With increasing life expectancy and rising inflation, ensuring a steady pension income after retirement is crucial to maintain a comfortable lifestyle. The National Pension System (NPS) is a popular government-backed...

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Vijay Jadhav (IndiaSpend) 20 June 2025
In a decade to 2023-24, the structure of Indian households’ financial savings has changed. Deposits still hold the lion’s share, but instruments such as stocks, small savings and government bonds, and provident and pension funds have seen a rise in popularity.   Similarly, while banks...

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Moneylife Digital Team 19 June 2025
India’s Insolvency and Bankruptcy Code (IBC/the Code) continues to shape borrower behaviour positively and unlock recoveries for lenders, but the process remains fraught with delays and high haircuts, reveals a detailed analysis by rating agency ICRA Ltd. The report, based on data till March...

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Sponsored Post 18 June 2025
In India, mutual fund investors are no longer limited to basic investment plans. With growing awareness and digital access, tools such as the SIP calculator and SWP calculator have emerged as essential components in wealth planning. But while both calculators are based on mutual fund investing,...

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Sponsored Post 18 June 2025
Every single person wants to go on a trip to their dream destination a few times on a yearly basis. The humdrum of everyday life makes things stressful, which is why vacations are important. But, affording international trips once or twice a year requires significant money. So, most people opt...

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Moneylife Digital Team 17 June 2025
Asset reconstruction companies (ARCs) are expected to see a significant uptick in debt recovery from stressed real estate projects this fiscal, with recovery rates poised to rise by 1,600bps (basis points) to 38%, says a note from CRISIL Ratings.   A CRISIL Ratings analysis of around 70...

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Sponsored Post 17 June 2025
Term insurance plans are simple and useful ways to protect your family’s future. If something happens to you, a term plan gives your family a fixed amount of money. This money helps them manage day-to-day life, pay off loans, or cover important costs. It brings peace of mind, knowing your loved...

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Moneylife Digital Team 09 June 2025
In a strong critique of persistent problems in India’s microfinance sector, M Rajeshwar Rao, deputy governor of Reserve Bank of India (RBI), says the industry remains trapped in a vicious cycle of over-indebtedness, exorbitant interest rates and coercive recovery practices. Speaking at HSBC’s...

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Moneylife Digital Team 09 June 2025
In a significant consumer protection ruling, the national consumer disputes redressal commission (NCDRC) has directed Reliance General Insurance Company Ltd to pay Rs15 lakh to a Himachal Pradesh woman who lost her husband in a road accident, along with 9% interest per annum (pa), Rs20,000 as...

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Moneylife Digital Team 06 June 2025
India’s top-15 banks earned a staggering Rs21,773 crore in commissions from selling life insurance, mutual funds and other financial products in FY23–24 — much of it by promoting schemes from their own group companies. In the case of Kotak Mahindra Bank, 100% of the life insurance commissions...

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Abhay Datar 06 June 2025
“I have taken a loan from a bank and now cannot repay. Its agents are threatening me.”    “I have taken multiple loans and now I cannot repay any of them.”    “Recovery agents somehow got contact numbers of my friends and relatives and are now spreading the news that I am not paying the...

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Moneylife Digital Team 06 June 2025
The Government of India is preparing to introduce the Banning of Unregulated Lending Activities (BULA) Bill in the upcoming monsoon session of Parliament which begins on 21 July 2025. The proposed legislation aims to clamp down on illegal and predatory lending practices, particularly those...

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The central information commission has issued strict warnings to two central public information officers (CPIOs) of the National Institute of Open Schooling (NIOS) for violating provisions of the RTI Act by denying two students photocopies of their answer sheets.   In both cases, the CPIOs...

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Moneylife Digital Team 03 June 2025
The national consumer disputes redressal commission (NCDRC) has upheld a compensation award of Rs25 lakh and costs against Max Life Insurance Co Ltd, directing the insurer to pay the assured amount along with interest and costs to a Chandrapur-based widow, whose husband’s death insurance claim...

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Moneylife Digital Team 30 May 2025
In a significant judgement, the national consumer disputes redressal commission (NCDRC) has directed ICICI Lombard General Insurance Company Ltd to pay Rs2.99 crore along with interest to a Mumbai-based widow, holding that the insurer had unfairly rejected her claim on technical and ambiguous...

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Moneylife Digital Team 30 May 2025
In a significant judgement, the national consumer disputes redressal commission (NCDRC) has directed ICICI Lombard General Insurance Company Ltd to pay Rs2.99 crore along with interest to a Mumbai-based widow, holding that the insurer had unfairly rejected her claim on technical and ambiguous...

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Sponsored Post 30 May 2025
The insurance sector has grown immensely in the past few years, resulting in many companies offering various options and policy benefits. Today, you can easily search, compare, and buy term insurance online with a few clicks.   However, knowing the fundamentals of term insurance is essential...

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