Fixed Income

Hedging Investments – Types & Strategies

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Hedging Investments basically means reducing or controlling the risk involved in a certain transaction. In other words, Hedging Strategies are investment positions intended to offset the potential losses that may be incurred by a companion investment. Insurance is the best example of hedging. When we buy a house worth lakhs of rupees, we usually buyRead More

Understanding Form 15G & 15H – To Avoid TDS

by Madhupam Krishna

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Form 15G or Form 15H are self-declaration forms that show that an individual’s total income is below taxable slab hence tax is not to be deducted. But who can submit these? Is there any rule governing the submission of Form 15H & Form 15G? Let’s check these today. You can also download Fillable Form 15GRead More

Taxation on PF Withdrawal – All Scenarios

by Madhupam Krishna

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EPF or employee Provident Fund is hard-earned money through your service to an organization. Overall if a person is attaining superannuation, it is supposed to be tax-free. BUT NOT ALWAYS! Money received from EPF can be taxable or there can be tax deducted at source (TDS). Let us understand Taxation on PF Withdrawal or TaxationRead More

7 Best Investment Options for NRIs in 2020

by Madhupam Krishna

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While there are many NRI Investment Options in India, one should check his requirement & risk appetite. Your home country may restrict, but in India barring few exceptions, NRIs are allowed to invest in many options. Here is the comprehensive List updated till April 2020. India has rapidly grown and provides the potential of sharingRead More

PPF 2019 (7 New Changes & New PPF Forms)

by Madhupam Krishna

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Government just changed & tweaked, the norms for PPF or Public Provident Fund. These changes were made on 12 Dec 2019. Here is what changed in the New PPF 2019 guidelines. Also, download the new PPF forms. New PPF forms (1-5) are available at the last of this post. These guidelines will be called asRead More

Senior Citizen Savings Scheme – Updated 2023

by Madhupam Krishna

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The Senior Citizen Savings Scheme (SCSS) 2019 will replace the SCSS 2014 is a very good option for retired persons. This scheme got major updates & changes on 7 Nov, 2023 (mentioned below). The SCSS offers an attractive rate of return and interest is paid quarterly. This makes it a perfect product for senior citizensRead More