The government on Monday, June 30, 2025, announced that the interest rates on small savings schemes, including PPF, SSY, NSC, and post office deposits, will remain unchanged for the second quarter of FY 2025-26 (from July 1, 2025 to September 30, 2025), according to a finance ministry notification. Interest Rate Chart: Scheme Interest Rate (July–September…
IntroductionEstate planning involves the strategic organization and management of an individual’s assets to ensure an orderly transfer upon their incapacitation or death. The primary objectives of estate planning include preserving wealth, minimizing tax liabilities for beneficiaries, and facilitating the seamless distribution of assets. Key tax considerations in estate planning include capital gains tax and income…
Originally posted on December 21, 2019, updated on 15.06.2025 The government issued a notification on November 9, 2023, making several important changes in the popular Senior Citizen’s Savings Scheme (SCSS), Public Provident Fund (PPF), and 5-year post office time deposit. New rules for premature closure of Account: The earlier rule says; “Provided further that on…
The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for girl children in India, designed to promote their welfare and education. It allows parents or legal guardians to open a savings account for a girl child until she reaches the age of 10, with deposits made for 15 years and the account maturing after…
Portfolio Management Services (PMS) offer a structured and professional approach to managing investments, particularly for individuals seeking personalized strategies, expert guidance, and diversified asset allocation. While PMS provides numerous advantages, it is essential to consider potential drawbacks before opting for such services. Advantages of Portfolio Management Services 1. Expert Management of InvestmentsOne of the most…
The landscape of Portfolio Management Services (PMS) in India has witnessed significant transformation, driven by evolving investor expectations, regulatory advancements, and technological progress. From conventional investment vehicles to more dynamic and customized strategies, PMS offerings have broadened to serve a diverse clientele more effectively. Below are some of the latest developments shaping the PMS and…
The portfolio management process is a structured approach to achieving an investor’s financial objectives through strategic investment planning and execution. This process generally consists of six critical steps: ConclusionThe portfolio management process is integral to effective wealth management, providing a disciplined framework for aligning investments with an individual’s financial goals and risk tolerance. Each step…
Portfolio management is a disciplined approach to investing that involves the strategic planning, selection, and oversight of investment assets to achieve specific financial goals. The effectiveness of portfolio management lies in aligning investment strategies with an investor’s objectives, risk tolerance, and time horizon. The following are the key elements of portfolio management: 1. Investment Objectives…
In the realm of investment management, Portfolio Management Services (PMS) and Mutual Funds represent two prominent vehicles, each catering to distinct investor profiles. While mutual funds are designed to serve a broad spectrum of investors seeking simplicity, diversification, and cost-efficiency, PMS is tailored for High Net Worth Individuals (HNIs) who seek personalized, hands-on management of…
Portfolio Management Services (PMS) and Investment Banking represent two distinct domains within the financial services industry, each serving different client needs and delivering specialized outcomes. Portfolio Management refers to the professional management of an individual’s or institution’s financial assets to achieve specific investment objectives. PMS offers personalized investment strategies tailored to a client’s financial goals,…