Money

Best flexi cap mutual funds to invest in July 2026

Flexi cap funds offer fund managers investment freedom across market capitalizations and sectors. These schemes are recommended for moderate investors seeking long-term wealth creation over five years. Investors should carefully select schemes aligning with their individual risk appetite and temperament. Several flexi cap funds are highlighted for potential investment in July 2026. Performance metrics like rolling returns and downside risk guide...

Are Indians finally monetising their gold?

Gold is no longer just an heirloom in India; it's fast turning into working capital. On the other hand, Beijing is stockpiling it like never before. Two very different stories for one asset class. Gold loans surge, India's silent credit shift Let's start with India. Reserve Bank of India data shows loans against gold jewellery crossed 4 lakh crore ...

Stop three bad money habits before they ruin your financial future

Real estate investor Matt Theriault highlights three destructive financial habits that can quietly undermine wealth-building efforts over time.

Best SIP funds over 20 years: Only 5 equity schemes out of 600 delivered over 15% returns across every long-term investment period

Only 5 out of nearly 600 equity mutual funds delivered over 15% SIP returns across 3, 5, 10, 15 and 20 years. See the top long-term performers.

Fino Payments Bank June update: Deposits rise 11%, loan referrals surge 3.5x

Fino Payments Bank reported an 11% year-on-year growth in deposits to ₹2,755 crore, with 3.1 lakh new accounts opened. Its loan referral business saw a 3.5x increase to ₹240 crore, but transaction throughput declined 35% due to the shift to UPI.

In what countries do people save the most money?

How much money families manage to keep in their bank accounts varies wildly across the globe. Recent global data from World Population Review reveals a fascinating picture of personal finance habits. Some nations have incredibly high reserve funds driven by cultural traditions or economic caution. Meanwhile, several wealthy developed countries show surprisingly low numbers. Rising living costs, strong social safety nets, and different levels of financial education play huge roles in these outcomes. In this gallery, we explore 30 countries to see exactly where people are holding on to the largest portions of their hard-earned paychecks. Click to know what drives their saving habits.

Equity fund inflows jump 26% in June after May slowdown; mid and large-cap funds lead

Net inflows into equity mutual funds increased 26.48% to Rs 28,973.41 crore in June, reversing the slowdown seen in May when inflows had slipped to Rs 22,907.77 crore.

Explained - Key factors why PSU bank shares surged up to 10% on Friday

Shares of public sector banks rallied on Friday, July 10, with the Nifty PSU Bank index emerging as one of the top sectoral gainers, driven by strong quarterly earnings from Indian Bank.Indian Bank led the gains, surging as much as 10%, while State Bank of India, Canara Bank, Bank of Baroda, Bank of Maharashtra, Punjab National Bank (PNB) and Bank of India advanced between 2% and 9%.The rally came after Indian Bank reported a healthy set of...

7 benefits of having a high-interest savings account

Unlock better returns on your savings with high-interest accounts, offering more than just secure fund storage. These accounts provide easy access to your money, making them ideal for emergency funds and short-term goals. Benefit from convenient digital banking features and cultivate stronger saving habits. Discover how these accounts can boost your financial discipline and help your money grow efficiently.

SBI Funds Management set to launch ₹11,692 crore IPO amid promising growth projections

Powerful psychological facts about money

Discover fascinating psychology insights about money, spending habits, and the decisions that shape your financial life. #Psychology #Money #PersonalFinance

Should you let AI manage your money? The pros and cons of financial automation

Managing money has become much easier over the years. Bills are paid automatically, SIPs are invested on schedule, salaries are credited instantly, and budgeting apps can track your spending in real time. Automation is now a part of everyday financial life for many Indians. It offers convenience and helps build discipline. But it also raises an important question. If technology can manage your money, how much of your financial life should you...

Is a mansion tax for properties 'worth' £1.5m or more fair? This is Money podcast

Twice as many households could be forced to pay a new 'mansion tax' latest speculation suggests.

3 things you should never do with your money

Learn the 3 crucial mistakes to avoid when managing your money. Discover how to make your money work for you, not against you. #MoneyTips #PersonalFinance

New tax regime: 7 smart ways salaried employees can reduce their tax while filing ITR in 2026

Salaried individuals can still reduce their tax liability under the new tax regime for FY 2025-26. Key deductions include employer contributions to NPS and EPF, a standard deduction of Rs 75,000, and interest on home loans for let-out properties. Exempt perquisites and certain official allowances also offer tax benefits.

Anand Rathi Wealth Q1 profit soars 60%; Co seeks SEBI nod to act as MP sponsor

Wealth manager posts strong June-quarter earnings as it looks to enter the mutual fund business, subject to regulatory approval.

Maharashtra, Odisha women cash schemes drive financial autonomy, alter household spending—EAC-PM paper

Paper finds male relatives of women getting cash transfers in Maharashtra spend 49% less, save 23% more monthly, while women’s own spending is up 46%. Odisha also shows dip in men's spends.

The mindset of money - which side are you on?

Jaspreet Singh discusses the two types of people in the world: those focused on problems and those focused on possibilities, and how mindset impacts financial success.

Micron to invest over $250 billion in US by 2035 as AI chip demand surges

Micron Technology said on Thursday it plans to invest more than $250 billion in the U.S. through ​2035, driven by surging demand for memory chips in the AI ‌era and President Donald Trump's push to bolster domestic chip production.The new investment plan represents a jump from the $200 billion that Micron announced last June, which was already ​increased by $30 billion from its original spending plans.Shares of Micron were ​up about 8% in early...

Silver rate today, July 11: Silver prices see movement again; check the rates for 10 grams and 1 kilogram for July 11.

Silver Price Today: Uncertainty persists in global markets due to ongoing tensions between the US and Iran, impacting silver prices as well. Fluctuations were observed in both precious metals during trading on the Multi Commodity Exchange (MCX). However, retail gold prices in the domestic bullion market remain high. Silver prices have continued to experience volatility following the end of the ceasefire. Amid shifting trends in domestic and...

21Shares: Bitcoin could hit $100,000 by year-end for these 4 reasons

Bitcoin (CRYPTO: BTC) may be approaching one of its most appealing long-term buying windows, according to 21Shares. Four Reasons For BTC Accumulation Bitcoin’s decline in 2026 has been driven primarily by macroeconomic headwinds rather than deterioration in the asset’s fundamentals, the firm stated in a report released on July 8. While U.S. spot Bitcoin ETFs recorded roughly $2.5 billion in outflows during June, much of the selling reflected the...

How banks make money: Five main sources of profit revealed

Your money: How much life insurance is enough?

A ₹1 crore cover may not be sufficient to protect your family. Here’s how to calculate what you actually need

SoftBank, fintech firm PayPay in talks to invest in retail giant Seven & i: Report

The investment will likely total several hundred billion yen and Sumitomo Mitsui Card, a unit of Sumitomo Mitsui Financial Group, may also take a ‌stake, Bloomberg ⁠said.

US stock market today: Dow Jones, Nasdaq flat as SK Hynix debuts; S&P 500 heads for winning week

The Dow Jones Industrial Average rose over 120 points or 0.23% and S&P 500 gained over 0.13%.

Gold ETFs bounce back with Rs 3,443 crore inflows after May's surprise outflows

If May had raised questions about whether investors were losing interest in Gold ETFs, June's data has answered them. After witnessing net outflows of Rs 725 crore in May, Gold ETFs attracted fresh investments worth Rs 3,443 crore in June, according to data released by the Association of Mutual Funds in India (AMFI). The sharp turnaround suggests May's outflows were more of a temporary pause than the beginning of a sustained slowdown. The...

Bitcoin falls close to $62,000 as geopolitical risks weigh, $143 million ETF inflows offer support

Bitcoin and Ethereum prices saw a decline on Thursday amid geopolitical tensions. Renewed geopolitical risks pushed investors toward a risk-off stance globally. However, spot Bitcoin ETFs recorded significant net inflows, offering price support. The global crypto market capitalization edged down, reflecting broader market sentiment. Analysts suggest Bitcoin's $60,000 level remains a critical support zone.

5 viral money affirmations people are repeating to attract wealth and abundance

Here are five affirmations that are simple, meaningful, and easy to remember.

The new financial status symbol isn’t a luxury car — it’s quitting power

For years, wealth was easy to spot—a luxury car, a premium address or the latest gadget. But a quieter shift is underway. Increasingly, financial success is being measured not by what people buy, but by the choices their money allows them to make. Here's why "quitting power" is gaining attention.

Bank of Maharashtra Q1 result: Profit rises 27% to Rs 2,020 crore, gross NPA flat at 1.45%

Bank of Maharashtra reported a 26.8% year-on-year rise in Q1 net profit to Rs 2020 crore, with net interest income up 14.5% and operating profit increasing 21.3%.

Rupee gains 9 paise to settle at 95.38 against US dollar

Mumbai, Jul 10 (PTI) The rupee rose 9 paise to settle at 95.38 against the US dollar on Friday as the greenback weakened and crude oil prices eased despite uncertainties over West Asia peace. Positive sentiment in the domestic equity markets also supported the local currency, according to forex traders. At the interbank foreign exchange market, the rupee opened at 95.27 against the greenback and traded in the range of 95.22 to 95.42 before...

Why NRIs are rushing to lock in FCNR deposits before RBI's September 30 deadline

RBI's special FCNR(B) deposit window has sparked strong interest among Non-Resident Indians (NRIs), with banks offering up to 7% interest on US dollar deposits. Dharmendra Maurya, Founder of Rupeeflo, said higher returns, tax benefits and the September 30, 2026 deadline are prompting NRIs to act quickly.

SCSS vs MIS: Which offers higher interest on a Rs 5 lakh investment?

Senior Citizens Savings Scheme offers a higher interest rate than the Post Office Monthly Income Scheme. An investment of five lakh rupees in SCSS yields approximately forty-one thousand rupees annually. The Post Office Monthly Income Scheme provides nearly thirty-seven thousand rupees in annual interest. SCSS offers tax benefits on principal investment under Section 80C of the Income Tax Act.

Buying the dip vs SIP: Which strategy delivers better returns? Here's what math says

Market swings often lead investors to seek ideal buying moments. However, historical data shows systematic investment plans outperform market timing strategies, as cash on the sidelines incurs opportunity costs.

Financial horoscope today, July 11, 2026: Aquarius signs will see financial gains, know the status of other signs

Today's Financial Horoscope, July 11, 2026: You will maintain a completely responsible approach in financial matters. You will pay special attention to your family business. You will manage your professional arrangements well.

Muthoot Microfin shares jump 16.5% in biggest one-day gain in over a year after Q1 business update

Muthoot Microfin shares rose 16.5% on July 10, reaching ₹245 due to strong June quarter results, highlighting a 49% increase in disbursements. The firm reported improved asset quality and diversified its portfolio, aiming to double AUM to ₹30,000 crore by FY30.

SBI's Rs 1,655 crore move ahead of mega IPO: Here's what's happening

Mumbai/IBNS, July 10 -- State Bank of India (SBI) has decided to sell a 1.4 percent stake in SBI Funds Management Ltd. through a pre-initial public offering (pre-IPO) deal worth Rs 1,655 crore, according to the company's filing cited by media reports.

Open this special account as soon as you receive your first salary; you will have a full ₹32.5 lakh in hand after 15 years, with zero risk

Private sector employees often complain that despite working for 15 years, they have no savings. Even after a decade or more of employment, they struggle to gather enough funds to buy a home. This happens because, while they earned money, they failed to save it. Nowadays, young people are increasingly inclined towards the stock market and mutual funds; there is a growing craze for investing in mutual funds. However, the reality is that not every...

Bengaluru woman shares why viewing expenses differently changed her financial mindset

The video was shared on Instagram by Upasna Dogra, a Bengaluru resident, who reflected on her relationship with money.

France adds a new millionaire every 15 minutes. How does Europe compare?

Eastern Europe recorded the fastest growth in dollar millionaires in percentage terms, while the UK, France and Spain ranked just behind the US in the number of new millionaires added. View on euronews

Still have a Rs 2,000 note? Here's what you need to know as RBI says 98.47% have been returned

If you still have a Rs 2,000 banknote, there’s no need to worry. While most of these notes have already been returned to the banking system, they continue to remain legal tender, according to the Reserve Bank of India (RBI).The central bank said 98.47% of the Rs 2,000 banknotes that were in circulation when their withdrawal was announced on May 19, 2023, have now been returned.Only Rs 5,451 Crore Worth Of Rs 2,000 Notes Still In CirculationThe...

Gold, silver prices today: Why bullion remains volatile this week

Gold and silver prices remained under pressure in international markets on Friday (July 10), even as geopolitical tensions in West Asia and uncertainty over the US Federal Reserve's policy path continued to keep investors cautious.COMEX Gold was trading at $4,126.20 an ounce, down 0.35%, while COMEX Silver fell 0.44% to $60.48 an ounce in early trade.The weakness comes after a volatile week in which bullion prices swung sharply on changing...

Daily numerology horoscope, July 11, 2026: Know budgeting, savings, financial stability and investment advice for all numbers

Daily Numerology for July 11, 2026: Discover what today's numerology predictions reveal about your finances, investments, savings and long-term money plans based on your birth number. Number 1 (People born on 1, 10, 19 and 28 of any month)Ganesha says today is the perfect day to focus on your financial matters. You will find it helpful to make long-term plans. Review your budget and investments to ensure that everything is by your future goals....

Keke Palmer was supporting 5 people as a teenager - then she finally broke down

Keke Palmer opens up about the hidden emotional cost of becoming a child star and carrying her family out of poverty at a young age. From growing up in a struggling neighborhood in Illinois to becoming the breadwinner through movies, television, and Nickelodeon fame, Keke explains how survival mode slowly took over her entire identity both on and off camera. The video explores the pressure of supporting her family for over 20 years, the emotional exhaustion that came with constantly “performing,” and the moment her young son unintentionally forced her to confront the trauma she had buried for years. It’s a powerful story about childhood responsibility, burnout, generational survival, and finally learning how to rest after spending a lifetime trying to save everyone else.

Federal Bank shares gain 1% after lender secures first international investment-grade rating from S&P

Shares of Federal Bank rose over 1% in early trade on Friday after the private sector lender announced that it had received its first international investment-grade issuer credit rating from S&P Global Ratings. At 9:39 am, the stock was trading at Rs 331.40 on the NSE, up 1.11%. In an exchange filing, the bank said S&P Global Ratings has assigned it an inaugural long-term issuer credit rating of BBB-/Stable and a short-term issuer credit rating...

Gold loans surge: India's silent credit shift as China stockpiles gold

Gold is no longer just a family heirloom in India—it is increasingly becoming a source of working capital. As households and small businesses turn to gold-backed loans for quick access to credit, the country's lending landscape is undergoing a quiet transformation. At the same time, China is accumulating gold reserves at a rapid pace, strengthening its strategic position amid global economic uncertainty. Why are Indians borrowing against gold while Beijing is buying more of it?

Learn how wealthy individuals leverage inflation to grow portfolios

Real estate investor Matt Theriault breaks down how inflation can become a wealth-building tool when leveraged strategically by high-net-worth investors.

RBI faces $100 billion challenge after record currency defense

RBI faces a challenge unwinding its large bearish dollar bets. The central bank has begun trimming its massive short dollar forward position. This unwinding must be carefully managed to avoid currency market destabilization. Recent measures aim to attract foreign capital and support the rupee. Forecasters predict continued pressure on the Indian currency for the year.

Is your child ready to make smart money decisions? Enrol them now in the TOI Money Masterclass

A new Times of India initiative, The Money Masterclass, aims to equip children aged 9-15 with essential financial skills often overlooked in traditional schooling. Covering topics from earning and saving to digital safety and wealth growth, the program uses relatable Indian examples. Taught by a Chartered Accountant, it offers a comprehensive toolkit and certificate, preparing young minds for financial independence. Early bird and sibling...

Gold rate today (July 10, 2026): Check 24K, 22K, 18K prices in Delhi, Mumbai, Kolkata, Chennai, Lucknow and other major cities

Gold Rate Today (July 10, 2026):Gold prices declined in early trade on July 10 as MCX futures slipped. Check the latest 24K, 22K and 18K gold rates across major Indian cities.