Budget 2026

Taking a joint home loan is becoming increasingly common among couples in India. With rising property prices and dual-income households, many homebuyers are now choosing shared ownership and joint EMI payments. But the big question is, how should couples split ownership and EMIs in a joint home loan to maximise tax benefits and improve approval chances? Here is a simple and practical guide to help you understand the right approach.

If you have recently taken a home loan or are planning to, you may have come across home loan insurance. Many banks recommend it at the time of loan approval, which often leaves borrowers wondering whether they should buy home loan insurance or skip it. Understanding how home loan insurance works and where to buy it can help you make a smarter financial decision. Let’s break it down in a simple and clear way.

There’s an important update for customers of Punjab National Bank. The bank has warned that inactive accounts must complete their KYC process soon, or face possible closure after the deadline. PNB has set April 15, 2026, as the final date for KYC updates. If customers fail to comply, the bank may close inoperative accounts from April 16 onwards, without any further notice.

Big changes are coming for ATM users as leading banks like HDFC Bank and Punjab National Bank roll out updated rules starting April 1. These revisions will impact how often you can withdraw cash, the fees you pay, and even how UPI-based withdrawals are counted. In a key update, HDFC Bank has announced that ATM cash withdrawals made using UPI will now be included in the monthly free transaction limit. Earlier, these cardless withdrawals were treated separately.

Amidst global supply chain disruptions impacting energy routes, Indian Oil Corporation advises customers to book LPG cylinders only when necessary. This measure aims to prevent panic-driven demand spikes that could strain delivery systems, assuring consumers that supply remains steady despite geopolitical tensions affecting key shipping lanes.

The Employees' Provident Fund interest rate for FY 2025-26 is set at 8.25 percent. Interest is credited two to three months after government approval, with updates happening in phases. Calculations are based on the monthly running balance, considering previous balances, withdrawals, and new contributions, with the final amount rounded to the nearest rupee.

Post Office MIS Explained; How To Earn Fixed Monthly Income With Secure Investment: The Post Office Monthly Income Scheme offers a secure way to earn a fixed monthly income with government backing. With a five-year tenure, it provides stable returns on a one-time deposit, ideal for conservative investors seeking predictable earnings and capital protection over market volatility.

Your debit card stuck in an ATM can be stressful. Stay calm and do not force the card. Contact your bank's customer care immediately. Block your card to prevent misuse. If the ATM is your bank's, retrieval is faster. For other banks, it takes longer. Your card is safe inside the machine. Simple precautions can prevent this issue.

For around ₹1,200, telecom giants Jio, Airtel, and Vi offer distinct recharge plans. Jio provides ample data and AI perks, Airtel focuses on entertainment and creative tools, while Vi bundles Netflix and flexible data options. Choose based on your primary usage needs for data, entertainment, or creative pursuits.

EPF Vs PPF; Which Scheme Delivers Better Returns For Rs 1.2 Lakh Annual Investment: Retirement planning is crucial for financial security. EPF and PPF are popular government-backed savings schemes in India. An annual investment of Rs 1.2 lakh in EPF for 15 years can build a corpus of approximately Rs 35.96 lakh. The same investment in PPF yields around Rs 32.54 lakh. EPF offers higher returns due to its interest rate.