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Loan against PPF: Check borrowing limit, rate of interest and other details

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New Delhi: Once a person enters the retirement phase, pension replaces salary as the constant source of income. Therefore, retirees often mistake the end of their working life for the end of their tax liability. However, taxes are not payable merely on salaries; rather, income from any source may be subject to income tax.Even after a person stops working, multiple sources could generate income, such as rental properties, pensions, FD interest, capital gains, etc.When a person files an Income Tax Return (ITR) after retirement, the total income must be calculated with caution. This can be done by dividing it into three categories: recurring taxable income, one-time retirement benefits that may be fully or partly exempt, and investment income earned after retirement. Check all applicable tax exemptions and deductions carefully, depending on the tax regime. This way, a person can file taxes more efficiently and avoid incurring a penalty.Taxable income includes:Uncommuted pension: Though a standard deduction may be available depending on the tax regime chosen, the monthly pension income is taxable.Pension, annuity, and dividends: Income received as a pension or annuity from insurance companies, as well as dividend income, is taxable. Interest received from cumulative fixed deposits, interest on income tax refunds, income from part-time gigs, and gains from switching or redeeming mutual funds are also taxable.Interest earned: Interest earned on FDs, RDs, savings accounts, post-office deposits, and Senior Citizens' Savings Scheme (SCSS) accounts is taxable. The old tax regime offers deductions of up to Rs 50,000 under Section 80TTB of the Income-tax Act, 1961 (applicable to returns for FY 2025-26); the new tax regime, however, does not provide such deductions.Capital gains: Depending on the type of asset and the period of holding, tax may be applicable on gains from the sale of listed shares, mutual funds, immovable property, gold, and other capital assets. The Annual Information Statement keeps a record of transactions reported by banks and other financial institutions. Therefore, figures must be filled in carefully, including those related to switching schemes or redeeming mutual funds.Rent: Income from residential and commercial properties let out on rent is taxable, with a 30 per cent deduction available for the applicable rental income. Deductions can also be claimed on home loan interest wherever applicable.A person with zero tax liability may fill Form 121 (which replaced Forms 15G and 15H from April 1, 2026, under the Income-tax Act, 2025) to avoid Tax Deducted at Source (TDS) on FDs and other applicable sources of income.Income up to Rs 5 lakh per annum under the old tax regime and Rs 12 lakh per annum under the new tax regime has nil tax liability. Gratuity of up to Rs 20 lakh is exempt from tax for non-government employees. For central or state government employees, the full amount is usually exempt from tax.Retirees should ensure that they avoid any mismatch between the information filed in the ITR and that reported by financial institutions. Documents related to pensions, bank accounts, and capital gains should also be kept together and checked regularly. For retirees, it is important to know the applicable exemptions, required documents, tax rebates, and taxable investments to avoid discrepancies.

When a person files an Income Tax Return (ITR) after retirement, the total income must be calculated with caution. This can be done by dividing it into three categories: recurring taxable income, one-time retirement benefits that may be fully or partly exempt, and investment income earned after retirement.

Retirement tax rules: Which income is taxable when filing ITR?

ITR filing after retirement: Which income is taxable and what exemptions apply?

New Delhi: Unified Payments Interface (UPI) has made money transfers quicker and easier. A person doesn't have to dive into the wallet to count the notes or look for change. The quickness, however, may prove to be a bane with one missed glance. A wrong QR code, an incorrect UPI ID, or an error in the phone number can take your money to an unintended destination.When a UPI transaction is made, the money is usually debited from the remitter's account and transferred to the beneficiary's within a very short span of time, not leaving enough time to cancel the payment or take any action. Therefore, when a transfer is made to a wrong UPI ID, a person has no other option but to raise a complaint with the application used and the concerned bank.The recovery process begins once the person reports the incorrect transaction. However, the process is not unilateral, since it now involves two bank accounts: the remitter's and the beneficiary's. The cooperation of the beneficiary would be necessary for the successful return of the money.The UPI app used to make the transaction has a provision to raise a complaint. The person can select the concerned transaction from the transaction history and report it. Since the transfer involves both the UPI app and the bank, reporting the money transfer through the UPI app may not be enough and could take more time to be resolved.Once the complaint is raised with the UPI application, informing the bank is the next important step. Keep all the details needed to report the payment, such as the transaction ID, recipient's UPI ID, amount transferred, and date of transfer.One may contact the bank's customer care and explain the situation. The bank may then take up the matter with the beneficiary's bank and facilitate the return of the money with the recipient's help. Since the process involves two banks, the remitter's bank cannot retrieve the money from the beneficiary's account on its own.One can conclude that recovery is not guaranteed and depends on cooperation from the receiver's end.This situation must be differentiated from failed transactions in which the money is debited from the sender's account but is not credited to the beneficiary. In that case, the recipient's bank is supposed to intervene rapidly and refund the money by the next day (T+1). The Reserve Bank of India (RBI) also directs banks to act promptly when a transfer to a merchant fails and recover the amount by the fifth day (T+5). In case of a delay, the bank has to pay a penalty of Rs 100 for each day to the customer. However, the penalty does not apply in circumstances arising out of the customer's mistake.If the recipient does not cooperate or the banks take longer than usual to refund the money from a wrong UPI transaction, the remitter may take up the matter with the Reserve Bank of India's (RBI) Integrated Ombudsman mechanism, subject to the applicable eligibility conditions.

When a UPI transaction is made, the money is usually debited from the remitters account and transferred to the beneficiarys within a very short span of time, not leaving enough time to cancel the payment or take any action.

Sent money to the wrong UPI ID? Here's what to do

Wrong UPI transfer: How to recover money sent to the wrong UPI ID

New Delhi: India may soon cross the 100 million-square-feet mark in 2026 as it continues to be the most mature flexible office market globally. By 2030, it is expected to extend to 160 MSF as per a report.The country's flexible office inventory accounts for 10.5 percent of the total office stock and reached 88.7 million square feet in the first half of 2026, the report from Cushman &amp;amp; Wakefield said.India's growth in the sector can be ascertained by its gradual transformation from an amenity into a strategic component of occupier real estate portfolios while it scored 100 per cent on the firm’s Flexible Office Market Maturity Index.The country seconds United States in being the most active market in the world as it occupied 10.2 percent share of global bookings in H1 2026, up from 2.2 per cent in H1 2025, according to an Upflex analysis.India continues to demonstrate strong momentum across occupier demand, supply growth and operator activity. The expansion is being underpinned by sustained occupier demand.However, India's flexible workspace has shown considerable growth as the operators across India's top eight cities in H1 2026 leased 8.5 MSF in rhe workspace. this marks their strongest first-half performance as the flexible workspace now accounts for around 20 per cent of overall office leasing in India.In addition, operators leased 44.1 MSF of space, representing more than 720,000 flex seats between 2023 and 2025, while managed office requirements averaged between 350 and 500 seats, the report noted.Meanwhile, seat demand has expanded consistently despite periods of macroeconomic volatility, growing nearly 7-fold from nearly 38,000 seats in 2020 to an estimated 3 lakh in 2026.“Greater institutional participation is bringing long-term capital and discipline into the sector, while evolving occupier expectations are pushing operators towards higher-quality, more sophisticated offerings. With newer demand pools also emerging, including AI-led businesses, the opportunity for flex is becoming both broader and more enduring,” said Ramita Arora, Executive Managing Director, Bengaluru &amp;amp; Head - Flex, India, Cushman &amp;amp; Wakefield.Demand is evolving too with GCCs and multinational companies increasingly using flex to enter and expand across markets. AI is emerging as another growth opportunity, with India among the leading markets to have developed a mature AI ecosystem within the flexible office sector.Plug-and-play scalable workplaces are particularly aligned with the rapidly evolving space requirements of AI companies, the report noted.(With inputs from IANS)

The countrys flexible office inventory accounts for 10.5 percent of the total office stock and reached 88.7 million square feet in the first half of 2026, the report from Cushman &amp; Wakefield said.

Flexible office market: India to hit 160 MSF by 2030

Flexible office market: India likely to cross 100 MSF in 2026; to hit 160 MSF by 2030

New Delhi: Platform and gig workers, unlike salaried employees in the formal sector, have no structured income or organised retirement model for social security. However, the Pension Fund Regulatory and Development Authority (PFRDA) has provided an avenue for financial security to service partners without regular employment and income.Workers such as delivery partners can now contribute towards retirement funds without a minimum or maximum limit. The PFRDA introduced the NPS e-Shramik model in October 2025, aiming to bridge the social security gap between employees in the formal and informal sectors by providing an organised platform for gig workers.The PFRDA has not fixed a minimum amount to be contributed, allowing the platform aggregator and the platform service provider to decide the amount. The contribution can be made solely by the platform, by the worker, or by both."No minimum or maximum contribution thresholds shall be applicable, in line with the existing Corporate Model. To ensure effective contributions, the Platform Aggregator/Platform Service Partners are free to fix a minimum contribution for each instance of credit into the individual pension account, for e.g., Rs 99 per month per contribution," the PFRDA mentions in its circular.The worker may choose to build a corpus by making regular contributions depending on their income at any given point in time, until the retirement age is reached. Moreover, there is an option to shift or port the individual pension account from one platform aggregator to another and change from the Platform Service Provider Scheme offered by the pension funds to the Common Scheme.The only limitation is that if a worker is simultaneously employed with two or more platforms, their individual pension account can be linked to a single aggregator at a time. The model provides flexibility and ease to workers in terms of contributions, employment, and accounts.The exit and withdrawal provisions for the Platform Service Provider Scheme shall follow the All Citizen Model, as specified under the PFRDA (Exit and Withdrawals) Regulations, 2015. A non-government subscriber exiting at the normal exit point can take up to 80 per cent of the accumulated wealth as a lump sum, while the remaining 20 per cent must be used to buy an annuity if the total amount exceeds Rs 8 lakh. If the amount is Rs 8 lakh or less, the entire amount can be taken as a lump sum. In case of premature exit, the worker can take 20 per cent as a lump sum, while the remaining 80 per cent is required to be used to buy an annuity, since the scheme aims to promote long-term retirement savings. The model provides a provision for partial withdrawal for specific purposes, subject to the subscriber fulfilling the eligibility conditions.The PFRDA provides an incentive of up to Rs 100 for each new NPS account to encourage NPS adoption among gig workers and facilitate support for the Points of Presence (PoPs), which are responsible for educating and creating awareness among Platform Service Partners while building the necessary onboarding mechanism. PoPs do not charge workers any fees during the onboarding stage.With India's gig-work environment widening, it has become increasingly important to provide workers with a stable yet flexible avenue to build a corpus, like any salaried employee.

Workers such as delivery partners can now contribute towards retirement funds without a minimum or maximum limit. The PFRDA introduced the NPS e-Shramik model in October 2025, aiming to bridge the social security gap betwe

NPS e-Shramik: A flexible pension option for gig workers

NPS e-Shramik: How gig workers can build a retirement corpus with flexible contributions

New Delhi: Wealth creation has no single route that can be accessed quickly. Even a rise in salary does not guarantee a good bank balance. Rather, a calculated approach towards sorting your income for expenses and savings may help you create a buffer that provides a dependable safety cushion. It is a long-term process that requires discipline and financial strategy. Thus, it becomes necessary to keep an eye on habits that may eat away at your wallet.Earning more does not guarantee a healthy bank balance, whereas a person with a relatively lower income may have enough savings to depend on in times of crisis or to spend on vacations. It begins with introspection. Look for the leaks in your monthly budget and fix your money habits.<h2>Waiting for the right time</h2>People often wait for the right time, the right salary, or the right job to start saving and investing. However, the right time never arrives for those who keep waiting. One does not have to save a large chunk; one may start small if the monthly income is limited. What matters is inculcating a habit of saving and investing. Usually, people are advised to save 20–30 per cent of their salary. However, this may vary depending on one's necessary expenses. The amount can be increased as the salary grows.Savings should not become a burden. Thus, set aside the amount your pocket allows while also keeping some money for personal expenses such as shopping, weekend getaways, and movies. The harm is done by neglecting the importance of saving, splurging money, and prioritising leisurely expenditures over building a buffer.<h2>Ignoring emergency funds</h2>Even if you build savings through investments, one unexpected expense may wipe out a significant portion of your funds in one go. Ignoring an emergency buffer can cost you years of hard-earned money. Thus, building an emergency fund is just as important.Unforeseen expenses such as job loss, house repairs, or a medical emergency may force you to dip into your investments if you don't plan for such situations in advance. Thus, build contingency funds alongside investments, while medical emergencies can be dealt with through adequate insurance.<h2>Saving what is left</h2>Waiting until the end of the month to save whatever is left is not the right way to save. Instead, one should set aside the investment amount as soon as the salary hits the account.It helps build discipline through consistent saving, prioritising investments, and setting aside a predetermined amount. This is because nothing may be left at the end of the month, leaving you waiting for the next paycheque.<h2>Lifestyle expenditure</h2>It often happens that people increase their lifestyle expenses just as their income rises, without realising the impact this has on their wallets. Impulse buying may create a false sense of satisfaction, particularly when a discount appears, but it can burn a hole in your pocket. Similarly, other recurring expenses, such as app subscriptions that you don't use, constant food deliveries, and visits to overpriced restaurants without considering your budget, can be detrimental to your wealth.Spending on yourself is important to sustain your happiness and confidence. However, splurging money regularly on such activities may harm your future finances. It is okay to order food once or twice a week, but doing so every day is not advisable, particularly when you consider the additional platform charges and delivery fees.People often consider small expenses harmless, which might prove to be a big mistake. Small but recurring expenses, when accumulated, can weigh down your budget.<h2>Credit cards, loans, and insurance</h2>Insurance, loans, and credit cards are effective financial tools when used strategically. In fact, they may help you avoid dipping into your savings to cover additional expenses. However, without proper planning, they may eat away at your income through premiums, interest payments, fees, and other charges.While loans may help you meet major expenses, such as building a house and funding education, the EMIs may put pressure on your monthly budget. Similarly, credit cards offer convenience and short-term purchasing power, but unpaid balances can accumulate interest and late payment charges. Insurance, on the other hand, provides financial protection, but unsuitable policies with higher premiums can lead to unnecessary payments.

Earning more does not guarantee a healthy bank balance, whereas a person with a relatively lower income may have enough savings to depend on in times of crisis or to spend on vacations. It begins with introspection. Look for the leaks in your monthly budget and fix your money habits.

Good salary but struggling to save? 5 money habits to avoid

Good salary, low savings? 5 money habits that can hurt your financial security

New Delhi: It is a common misconception among the salaried employees that earning up to Rs 12.75 lakh annually removes their tax liability. The confusion arises since Section 87A under the new tax regime provides workers with an enhanced limit of rebate on income taxed at the normal slab rates.The maximum rebate limit under the concerned section is Rs 60,000 due to which income up to Rs 12 lakh becomes entirely tax-free. Also, Rs 75,000 is the standard deduction due to which gross salary up to Rs 12.75 lakh is exempted from tax.However, assuming that the rule provides complete exemption from paying any kind of tax might not be correct, since one may still have to file an income tax return. Section 87A is not a provision for tax exemption for employees earning up to Rs 12 lakh. Instead, it specifies the amount as the salary limit for tax rebate.The exemption is applicable strictly to income taxed at regular slab rates, while incomes taxed under special provisions may still attract taxes.Therefore, even those with gross salary up to the limit applicable for exemption would still need to file Income Tax Return in case they have income from sources which are taxed under other slab rates. This makes identifying the nature of income necessary.Short-term capital gainsShort-term capital gains (STCG) under Section 111A cover income from equity shares, equity-oriented mutual funds, and units of a business trust, which are taxed at a flat rate of 20 percent, subject to the applicable rules.Long-term capital gainsWhen earnings are made from selling listed shares or redeeming listed equity mutual funds, the person is liable to pay tax under Section 112A of the Income Tax Act. Other capital gains are also taxable under special-rate provisions, such as Section 112.Moreover, there is no rebate available under Section 112A. Therefore, any person who has zero tax liability on salary or other gains would still have to pay tax on long-term capital gains.Cryptocurrency/Virtual Digital Asset (VDA) gainsTaxpayers with income from cryptocurrency investments such as bitcoins and other digital assets have a tax liability at a flat rate of 30 percent. Under Section 115BBH of the Income Tax Act, earnings from Virtual Digital Assets (VDAs) are taxable.Lottery and gamesIf a taxpayer wins a lottery or has income from online games or shows, tax liability applies under special provisions of the Income Tax Act.Before concluding that Section 87A puts a threshold on tax liability from incomes of all kinds, one should do a deep dive into tax implications under different provisions. Even with salary up to Rs 12 lakh, you may still have to pay tax arising from incomes other than your salary.

The maximum rebate limit under the concerned section is Rs 60,000 due to which income up to Rs 12 lakh becomes entirely tax-free. Also, Rs 75,000 apply as the standard deduction due to which gross salary up to Rs 12.75 lakh is exempted from tax.

Salary up to Rs 12 Lakh: Here's why you have to file ITR

Salary up to Rs 12 Lakh: Here's why you may still have to pay tax

New Delhi: Introduced by the Delhi Development Authority (DDA), Master Plan for Delhi 2047 (MPD-2047) aligns with the visions of Viksit Bharat 2047 and sets out a long-term framework for land use and development in the region.It succeeds MPD-2021 after coming into force on August 20, 2026.MPD-2047 cover measures for urban-planning to focus on key areas such as infrastructure, mobility, housing while ensuring the city's economic as well as environmental growth.Delhi Lieutenant Governor T.S. Sandhu suggested wider public participation in the implementation of the Master Plan, following which the DDA introduced a set of Frequently Asked Questions (FAQs) on Master Plan for Delhi-2047 (MPD-2047) on August 30, 2026.The FAQs which are available on the website lays out the information on the various provisions of the Plan essential to citizens and stakeholders.They cover a wide spectrum of subjects, including General Provisions, Development Control Norms, Redevelopment, Heritage and Public Spaces, Land Pooling Policy, Transit Oriented Development (TOD), High Density Corridors (HDC), Low Density Areas (LDA), and In-situ Slum Rehabilitation (ISR), the statement said.The DDA also introduced the "MPD-2047 (Feedback)" facility through its Citizen Services platform, enabling citizens and stakeholders to directly share their suggestions and feedback related to the Master Plan.Accessible at citzservices.dda.org.in, users simply need to sign up on the platform, after which the "MPD-2047 (Feedback)" option becomes visible in the menu bar. Besides, it can also be accessed under "At Your Service" section, the statement added.The feedback option facilitates a channel to citizens and stakeholders to put forward their views regarding the Master Plan, encouraging dialogue and participation while actualizing the propositions laid out in the plan.To further simplify the understanding of the Master Plan, the DDA has also made available creatives and other visual communication material covering various themes and provisions of MPD-2047, the statement added.These resources present planning concepts and key provisions in a simple and accessible manner, enabling citizens and stakeholders to better understand the development framework and opportunities envisaged under the Plan, it said.These digital initiatives complement DDA's ongoing three-month stakeholder engagement programme, under which 20 meetings are scheduled on various aspects of MPD-2047.The engagement will bring together elected representatives, government agencies and service providers, industry bodies, architects and planners, residents' and group housing representatives, farmers and landowners, and other concerned stakeholders, the DDA said. (With inputs from IANS)

MPD-2047 cover measures for urban-planning to focus on key areas such as infrastructure, mobility, housing while ensuring the citys economic as well as environmental development.

MPD-2047: Here's how to check FAQs and share suggestions with DDA

Delhi Master Plan 2047: Check FAQs and share suggestions with DDA

New Delhi: Leaving a job before the specified retirement age may stop an employee's Employees' Provident Fund (EPF) contributions, but what happens to the amount in their PF account? Employees may wonder whether the amount stops earning interest as soon as they resign or continues to earn interest.The Employees' Provident Fund Organisation (EPFO) specifies a certain period during which an account earns interest based on the age at which the employee leaves their job. It is important for account holders to know these details to manage their finances accordingly.As per the EPFO, an account stops earning interest 36 months after retirement or reaching the age of 55, whichever comes later. Even if a person decides to take premature retirement or is unemployed, the minimum retirement age of 55 would be considered, and interest would continue until the age of 58. Only after that does the account cease earning interest.Account holders should understand a few conditions regarding their employment status to determine the status of their accounts. This would help them estimate the total amount accumulated by the time the account stops earning interest, allowing them to plan their finances for the post-retirement period accordingly.Once the 36-month period is over, the account becomes inoperative, following which no further interest is earned on the principal. Here are the four cases explained:Case 1: Retirement before 55In the case of early retirement, the minimum retirement age of 55 would be considered, and the account would continue accumulating interest until the retiree reaches the age of 58.Case 2: Retirement at 55Once a member retires at the age of 55, the account would earn interest until the age of 58 and become inoperative after reaching that age.Case 3: Retirement at 58When a person retires at 58, the EPF account would stop earning interest and become inoperative at the age of 61.Case 4: Retirement at 70If a person retires at the age of 70, the EPF account would remain active for three years and become inoperative at the age of 73.Even in cases of early retirement and unemployment, accounts remain active until the person reaches the age of 58. An inoperative account does not get blocked; it simply stops accruing interest. Other cases in which interest accrual in the account may stop after three years include permanent migration and death, subject to the applicable terms.Interest credited by the EPFO may take some time to reflect in the account. Users might face a delay, but they cannot be denied the interest earned under normal circumstances. Claims related to Provident Fund withdrawals are usually settled within 20 days. In case of a delay beyond that, the person may raise a complaint at epfigms.gov.in.

The Employees Provident Fund Organisation (EPFO) specifies a certain period during which an account earns interest based on the age at which the employee leaves their job. It is important for account holders to know these details to manage their finances accordingly.

Retired or unemployed? Know when your EPF interest stops

EPF interest after retirement: When does your PF account stop earning interest?

New Delhi: A financial emergency may arise unexpectedly and without warning. It may be in the form of medical bills, house repairs, education-related expenses, and more. Such situations may force a person to take personal loans. While a personal loan is an option that can prove useful, the borrower should explore other options as well before deciding on one.If the amount required is not large and can be repaid within a specified period, a loan against your Public Provident Fund (PPF) balance can be more efficient.PPF is a government-backed savings scheme for long-term financial planning, offering tax benefits, guaranteed returns, and a 15-year lock-in period. The interest rates are decided by the government, while contributions range from Rs 500 to Rs 1.5 lakh a year. Deposits can be made either in a lump sum or in instalments.It is a convenient and low-cost borrowing option that lets a person borrow a specified amount against their PPF balance within a specified period while preserving long-term savings. This way, the person does not have to take personal loans with high interest rates.Borrowers must be aware of the conditions of the loan before applying. The amount that can be borrowed is limited; therefore, it should not be assumed that the entire amount available in the account is eligible for a loan. Moreover, there is a specified period within which a person may apply for a loan.A person is eligible to apply for a loan from the third financial year after opening the account until the end of the sixth year. The amount that can be borrowed is also limited and should not exceed 25% of the total balance available at the end of the second financial year preceding the year in which the person applies.<h2>Benefits</h2>Once the loan is approved, the borrower has to repay the principal amount within 36 months, and the interest can be repaid in two monthly instalments after that. Thus, for the limited amount required, the person has up to three years to pay off the loan amount.The interest charged on the amount borrowed is also relatively lower. The current rate of interest charged on the borrowed amount is 1% per annum above the prevailing PPF deposit interest rate. The current rate of interest earned on PPF investments is 7.1% per annum, which means the loan is charged at a rate of 8.1% per annum.For a short-term financial need, a person does not need to take a personal loan, which usually charges a higher rate of interest, further burdening the borrower.Moreover, the provision for taking a loan against the PPF balance allows a person to continue investing without applying for another hefty loan. The borrower does not have to break the PPF account and withdraw years of savings, yet can avail themselves of an easy, accessible, and small-sized loan for short-term needs.However, the person may be charged a higher rate of interest for not repaying the loan amount within the 36-month period. The interest rate charged for late repayment is 6% above the prevailing PPF rate.<h2>How to apply</h2>A person may apply for a loan by submitting Form D along with a passbook or KYC documents to the concerned bank or post office.A person is allowed to take one loan in a financial year and may apply for another only after fully repaying the previous loan, including the principal and interest.

PPF is a government-backed savings scheme for long-term financial planning, offering tax benefits, guaranteed returns, and a 15-year lock-in period. The interest rates are decided by the government, while contributions range from Rs 500 to Rs 1.5 lakh a year. Deposits can be made either in a lump sum or in instalments.

Check how a loan against PPF balance can help during emergency

Need urgent money? How a loan against your PPF balance can help

New Delhi: The Delhi High Court has declared the Nehru Place District Centre a “no-hawking” and “no-vending” zone while allowing 90 authorised vendors to shift to a designated site. Thus, the whole area, except the portion marked for the authorised vendors, would no longer be open for vending and hawking.A Division Bench of Justices Prathiba M. Singh and Dinesh Bhatt passed the direction, permitting Town Vending Committee-II (TVC-II) to take a decision on the vending rights of the 90 vendors. The High Court clarified that TVC-II has to decide whether these vendors are entitled to a Certificate of Vending and, if they are, the area where they would be vending. The decision has to be made within two months of the constitution of TVC-II.According to the bench led by Justice Singh, of the more than 400 vendors currently selling in the Nehru Place District Centre, most are unauthorised. The 90 vendors involved in the proceedings have relevant protection and recognition, with 62 vendors being associated with Manushi Sangathan, 22 vendors in W.P. (C) 6823/2017, and six vendors in two other connected petitions.“Under these circumstances, bearing in mind that the TVC-II is about to be constituted and these vendors have been vending in this area for several years, the above-mentioned vendors shall be permitted to vend at Site X marked in the map below,” the judgment said.It added, “Insofar as the Nehru Place District Centre area, except the identified portion above as marked X, the entire Nehru Place District Centre is declared as a ‘No-hawking zone’ and ‘No-vending zone’.”The authorised vendors listed in Annexure A had until October 12 to shift to the earmarked area. Moreover, after October 12, the Municipal Corporation of Delhi (MCD) had the authority to remove all unauthorised vendors from the area.The Delhi Fire Services were also instructed to inspect the area after the removal of unauthorised vendors and file a compliance report.The Delhi Police were also directed to cooperate with the MCD and the DDA to ensure compliance with the judgment. The matter will be listed on November 30 for consideration of the Delhi Fire Services' compliance report.<h2>Petitions</h2>The High Court said that, based on the photographs taken as recently as September 26 and placed on record by both the petitioners and the respondents, there was “no manner of doubt” left that the declaration of the Nehru Place District Centre as a no-hawking and no-vending zone deserved to be confirmed.The judgment took note of the protection available to certain vendors under the Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014, as well as a recent Supreme Court decision stressing the need to provide workable alternatives to vendors displaced from no-vending zones.The High Court said, “In terms of the aforesaid decision, if the street vendors are vending in a ‘No-vending zone’, the MCD or the concerned authority has a duty to assist them in moving from a ‘No-vending zone’ to a vending zone, so as to provide the street vendors with a workable alternative from where they can earn their livelihood.”The Delhi High Court was referring to the Supreme Court’s April 9, 2026, decision, which held that the removal of vendors must be carried out with care, fairness and responsibility, and that authorities should actively assist them in shifting to designated vending zones.(With inputs from IANS)

A Division Bench of Justices Prathiba M. Singh and Dinesh Bhatt passed the direction, permitting Town Vending Committee-II (TVC-II) to take a decision on the vending rights of the 90 vendors. The High Court clarified that TVC-II has to decide whether these vendors are entitled to a Certificate of Vending and, if they are, the area where they would be vending.

Nehru Place declared ‘no-vending’ zone: Here's what Delhi HC ordered

Delhi HC declares Nehru Place District Centre ‘no-hawking’, ‘no-vending’ zone; compliance report due Nov 30

New Delhi: India's CPI inflation is likely to peak at 6.7 percent to 6.8 percent in November, an Ecowrap report from the State Bank of India’s Economic Research Department has said."India's CPI inflation has recently firmed up, rising to 5.54 percent in September 2026, compared with 4.82 percent in August, marking the highest reading under the revised CPI series. The increase is driven largely by sharply higher food prices, with food inflation climbing to 7.74 percent and essentials like onions, garlic, and lemons recording steep jumps," said Ecowrap report.Rural areas face higher inflationary pressures at 6.08 percent compared to urban centers at 4.88 percent.However, the report said that overall inflation trajectory is vulnerable to significant upward risks from a deficient monsoon, persistent El Niño effects, and elevated commodity and energy prices, all of which could perpetuate supply-side constraints.The persistence of inflation generalisation, reflected in the increase in the number of commodities accounting for 75 percent of CPI’s weighted contribution from 25 in August’26 to 31 in September’26, suggests that price pressures are becoming more diffused across the consumption basket rather than being concentrated in a few items."Against this backdrop, alongside persistent rupee weakness, we believe that the peak policy rate could reach 6.0 percent, necessitating a calibrated but firm monetary policy response to contain inflation and anchor expectations," said Ecowrap report.The report added that the RBI could consider couple of options like adopting a calibrated tightening approach by raising the MSF rate in the interregnum by 25 bps from 5.75 percent to 6 percent. The central bank may also raise repo by 25 bps in December which will ultimately lead to a MSF rate at 6.25 percent.Secondly, the report added that RBI could opt for a more decisive 50 bps hike in the repo rate in December policy signaling a stronger commitment to containing inflationary pressures."The choice between the two options would depend on the persistence of inflation and the trajectory of the rupee going forward. Going forward, the RBI’s policy response will depend on the persistence of underlying price pressures, the evolution of food and energy prices, and the trajectory of the rupee, with the key priority being to prevent temporary supply-side shocks from translating into broader and more persistent inflationary pressures," the report added.Globally, the FAO Food Price Index increased by 5.8 percent Y-o-Y in September, reflecting an uptick in international food commodity prices. According to the FAO research, rice yields during El Niño episodes are typically 1.0-1.5 percent below their expected trend, while wheat and maize yields generally remain near normal levels. Stronger El Niño events are associated with more predictable yield outcomes, though not necessarily more severe declines, whereas weaker events tend to result in greater variability in yield performance."We expect Q3 CPI inflation would be around 6.5 percent and Q4 at 5.6 percent...and full year FY27 inflation average to be around 5.3 percent. The estimate largely depends upon pressures from supply side on account of the deficient monsoon, ongoing El Niño conditions and high energy and other commodity prices," said Ecowrap report.

Indias CPI inflation has recently firmed up, rising to 5.54 percent in September 2026, compared with 4.82 percent in August.

CPI inflation likely to peak at 6.7%-6.8% in November: Report

New Delhi: A Systematic Investment Plan (SIP) is a prominent method of investing that offers market-linked returns. Investors often opt for it to build wealth over time while having an appetite for risk. SIPs inculcate discipline, as they require a person to regularly contribute an amount towards a future corpus, which may grow over time through the concept of compounding.The funds invested through an SIP grow depending on market-linked returns and help accumulate wealth for long-term goals while spreading market risks and losses incurred over a long horizon. An SIP instils discipline in financial planning and helps accumulate a part of one's income to leverage for corpus building. A small monthly portion of one's income can thus generate a substantially bigger amount over time.A regular SIP involves investing a fixed amount at regular intervals, often monthly, in mutual funds. However, there is a provision to widen the scope of gains by increasing this regular contribution every year. This method of investment is called a Step-up SIP, which accelerates wealth growth as income grows.As the amount of regular investments increases every year with rising income, the total output grows significantly.A Step-up SIP automatically increases the investment amount by a fixed percentage at a fixed interval. This works well for building wealth for retirement, education funding, and buying property. It also helps in beating inflation and spreading out losses over a long period as income increases.Take two examples: In Case 1, the monthly investment is Rs 5,000, with an annual return of 12 percent and an investment period of 15 years. With a total investment of Rs 9 lakhs over 15 years, the returns would amount to Rs 16,22,880, building a corpus of Rs 25,22,880.In Case 2, the investment amount is increased annually by 10 percent, making the total investment Rs 19,06,349. This would lead to returns of Rs 24,35,576. Thus, the corpus generated would be Rs 43,41,925. The wealth generated in the two scenarios differs significantly due to a mere 10 percent increase in investment each year.However, the actual wealth generated may vary, as annual returns depend on the stock market, which keeps fluctuating.For people looking to generate wealth in a relatively shorter period, a Step-up SIP could generate more wealth than a conventional SIP. Those who have started investing late in life could start small and gradually increase the amount to generate more wealth.On the other hand, youngsters or early-stage professionals who have fewer responsibilities and enough time to accumulate wealth may choose Step-up SIPs. Compounding works over a longer duration to generate a corpus as salaries rise within shorter spans of time.Step-up SIPs are not free from risks, since the money goes into the stock market, which does not offer guaranteed returns. Moreover, they require an income that grows proportionally with the increase in the investment amount; otherwise, the SIP may create a burden on the investor. Unforeseen circumstances may also lead to additional expenses, affecting one's capacity to invest.Investment planning requires reflecting on one's expenditures, goals, circumstances, and the risk one can afford to take in case a loss is incurred. What matters is the decision to invest in a timely and consistent manner, after choosing the approach that suits one's situation and goals.

The funds invested through an SIP grow depending on market-linked returns and help accumulate wealth for long-term goals while spreading market risks and losses incurred over a long horizon. An SIP instils discipline in financial planning and helps accumulate a part of ones income to leverage for corpus building. A small monthly portion of ones income can thus generate a substantially bigger amount over time.

Here's how to boost long-term wealth through step-up SIP

Step-up SIP: How small annual increases can boost long-term wealth

New Delhi: India's headline inflation rose to 5.54 percent in September 2026 on an annual basis, provisional data released by the National Statistics Office (NSO) showed on Monday. The reading was higher than the 4.83 percent inflation recorded in August. The surge in retail annual inflation was driven primarily by skyrocketing food prices, data showed."Year-on-year inflation rate based on All India Consumer Price Index (CPI) with base year 2024 for the month of September, 2026 over September, 2025 is 5.54%(Provisional)," said the NSO data.The provisional data released by the government showed, consumer inflation stood at 6.08 percent in September, compared with 4.88 percent in urban areas as against 5.24 (rural) and 4.31 (urban) in August.Food prices continued to remain a key driver of inflation during the month. The all-India food inflation rate, based on the Consumer Food Price Index (CFPI) was at 7.74 percent (Provisional). Corresponding inflation rates for rural and urban are 8.06 percent and 7.18 percent, respectively.The CPI (General) index for the combined category increased to 109.49 in September from 108.74 in August. Similarly, the combined CFPI index rose to 112.17 from 110.73 during the same period.The NSO said real time price data are collected from selected 1407 urban Markets (including online markets) and 1465 villages covering all States/UTs. The response rate during September was 100 per cent in both rural and urban markets, ensuring comprehensive coverage of price movements.The government will release the Consumer Price Index data for October 2026 on November 12, 2026, or the next working day if the scheduled date falls on a holiday, said Ministry of Statistics &amp; Programme Implementation.

The provisional data released by the government showed, consumer inflation stood at 6.08 percent in September.

India's annual retail inflation stands at 5.54% in September

New Delhi: Gold exchange-traded funds (ETFs) posted massive rise in investor interest in September. Gold ETF net inflows surged 71.4 percent month-on-month to Rs 4,451 crore from Rs 2,597 crore in August, data released by the Association of Mutual Funds in India (AMFI) showed on Monday.Investors routed money into Gold ETFs and equity mutual funds, even as the broader mutual fund industry faced massive withdrawals from fixed-income (debt) schemes. The broader mutual fund industry saw net outflows of Rs 1.33 lakh crore during the month, reversing net inflows of Rs 41,353 crore recorded in August, AMFI data showed.Debt-oriented mutual funds emerged as the biggest source of outflows. Net withdrawals rose sharply to Rs 1.83 lakh crore in September as compared to Rs 8,127 crore in the previous month.Net redemptions from debt funds fell to Rs 82.64 lakh crore from Rs 87.08 lakh crore in August.In sharp contrast, equity mutual funds maintained their growth momentum and continued to attract investor money. Net inflows into equity schemes increased 30.6 per cent to Rs 38,307 crore in September, up from Rs 29,328 crore in August.Among equity categories, Small-cap funds remained the most preferred category. Small-cap funds witnessed inflows of Rs 9,039 crore against Rs 7,973 crore in the previous month. Mid-cap funds too gathered healthy investor participation with monthly inflows surging Rs 7,835 crore compared with Rs 6,989 crore in August.Flexi-cap funds also grew strongly. It recorded net inflows of Rs 6,702 crore, up from Rs 5,059 crore in the preceding month. Sectoral and thematic funds witnessed inflows increase to Rs 3,640 crore from Rs 1,713 crore.Among other equity categories, Large-cap funds returned to positive zone after a month of outflows. It witnessed net investments of Rs 859 crore in September, compared with net outflows of Rs 1,147 crore in August.Meanwhile, multi-asset allocation funds attracted Rs 3,667 crore, largely unchanged from Rs 3,671 crore in the previous month.Investor participation through systematic investment plans (SIPs) remained robust, with monthly SIP contributions touching a record high of Rs 32,490 crore in September, marginally higher than Rs 32,297 crore recorded in August.With IANS Inputs

Investors flooded money into Gold ETFs and equity mutual funds, even as the broader mutual fund industry faced massive withdrawals from fixed-income (debt) schemes.

Gold ETF inflows post sharp rise in September; jump over 71% to Rs 4,451 crore

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