Business

Your money: How can you climb out of a debt trap?

Easy credit is pushing more Indians into financial distress. Experts outline five steps to regain control of your finances and steadily reduce your debt burden

One salary is much bigger than the other? How couples can manage their money

Money can be awkward to talk about, even between people who share almost everything else. The conversation becomes trickier when one partner earns substantially more than the other. It isn't always about who pays the bills. Sometimes it's about whether both people feel equally involved in financial decisions, or whether one quietly starts feeling like they're carrying more of the responsibility. Dual-income households are becoming increasingly...

Proverb of the day: Why "Money often costs too much" reminds us that some prices cannot be measured in wealth

Stay updated with the latest news on Times of India. Get all the trending City News, India News, Business News, and Sports News. For Entertainment News, TV News, and Lifestyle Tips, visit Etimes.

India may get Rs 10 and 20 polymer notes from next year

The Reserve Bank of India has begun preparations for a pilot of polymer banknotes by inviting global bids for substrate supply. The trial, likely to start with Rs 10 and Rs 20 notes, will shape any wider rollout.

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.

Content creator Ankur Warikoo and his wife Ruchi share 5 money rules they live by after having 2 kids

Budgeting plays a crucial role in family life. It requires efficient planning and prioritising, based on individual values and needs. For this, it’s important to pay no heed to the latest trends. Indian entrepreneur and content creator Ankur Warikoo and his wife Ruchi revealed how they spend their money on a monthly basis at the age of 45 with two kids. Their five rules may come handy if you are struggling to categorise your expenses. Don’t give...

MCX evening update: Gold gains, silver up around 2.20%

Mumbai, July 21 -- MCX Gold futures are trading in an upbeat manner today. The benchmark Aug-26 contract soared 1% at Rs 142715 per 10 grams. The counter hit Rs 143K per 10 grams in intraday moves. The counter has been almost unchanged over last one-week. The open interest in the counter slipped marginally today.

SBI Funds IPO: 13 employees became crorepatis after blockbuster listing; top holding worth ₹121 crore

SBI Funds Management's IPO has unlocked significant wealth for its employees, with years of stock ownership translating into multi-crore holdings after the company's market debut. At the issue price of ₹574 per share, 13 employees hold vested equity worth more than ₹1 crore each, according to the prospectus.The country's largest asset manager made a strong debut on Dalal Street on Tuesday. The stock listed at ₹610 on the BSE, a premium of 6.27%...

The Odyssey mints Rs 70.56 crore on day 5 as Dhamaal 4 crosses Rs 127 crore at the Indian box office

Christopher Nolan's The Odyssey continues its dream run on Day 5, while Dhamaal 4 remains strong beyond Rs 127 crore and Lenin maintains a steady hold at the Indian box office.

Can a Rs 50,000 monthly salary help you build a Rs 1 crore corpus?

A SIP Calculator shows how individuals earning Rs 50,000 a month can potentially build a Rs 1 crore corpus through disciplined mutual fund SIP investments, long-term compounding, and consistent annual investment increases.

Explained: Why FCNR deposits are driving the $20 billion inflows under the RBI's swap scheme

The Reserve Bank of India's (RBI) concessional swap facility has attracted more than $20.7 billion in foreign exchange inflows in just over a month, with Foreign Currency Non-Resident (Bank) [FCNR(B)] deposits accounting for more than 84% of the total.The strong response comes despite expectations that higher US interest rates and global uncertainty would weigh on inflows. However, Devang Shah, Head of Fixed Income at Axis AMC, believes the...

Paytm in focus after highest-ever quarterly EBITDA; Q1 profit jumps 79%

Paytm kicked off the new financial year with record profitability, stronger payment volumes and rising financial services revenue, keeping the stock in focus.

Rupee falls 6 paise to 96.42 against US dollar in early trade

Mumbai, Jul 21 (PTI) The rupee depreciated 6 paise to 96.42 against the US dollar in early trade on Tuesday as heightened geopolitical uncertainty put pressure on most Asian currencies, including the rupee. Forex traders said the rupee came under pressure from a combination of factors — crude oil prices climbed on renewed geopolitical tensions, and demand for the US dollar increased as investors moved toward safe-haven assets. At the interbank...

COIN stock jumps, XRP leads crypto majors after Scott Bessent signals Clarity Act is on Senate’s ‘one-yard line’

Bitcoin climbed above $66,000 for the first time since mid-June, while XRP outperformed the broader crypto market.

India's margin trading boom raises fresh concerns after SEBI's derivatives crackdown

India’s efforts to curtail equity derivatives trading have prompted some of the country’s mom-and-pop investors to shift into leveraged stock bets, driving a surge in margin loans and regulatory caution over the blistering pace of growth.The world’s most populous nation is home to more than 130 million retail stock traders, with a median age of 32. Their appetite for higher-risk bets had fuelled an options trading boom, raising concerns about...

MFs kept buying these 14 stocks for 3 quarters; shares surged up to 101%

Mutual funds have steadily raised stakes in several BSE 500 companies over the past three quarters, reflecting institutional confidence. Among these stocks, multiple companies delivered strong one-year returns, with some gaining over 50%. The trend highlights sectors and businesses that have attracted consistent buying interest from large investors.

Ethereum price today (July 21): ETH holds strong as investor confidence grows - check latest rates in USD, INR, GBP, euro and yen

India, July 21 -- Ethereum remained one of the top-performing cryptocurrencies on July 21, 2026, as the world's second-largest digital asset continued to attract strong investor interest amid improving market sentiment and growing institutional adoption.

How to invest Rs 10 lakh: Smart strategies to grow your wealth over time

For many people, earning their first Rs 10 lakh is more than just a financial milestone; it is the result of years of disciplined saving, smart investing and hard work. Some reach it through salaries, bonuses, business profits or property sales, while others build it steadily through monthly investments. But once they get there, one question often follows: What’s the smartest way to invest Rs 10 lakh for the future?According to Moneycontrol,...

Financial horoscope today, July 21, 2026: Cancer signs will gain position and prestige, know the fate of other signs

Today's Financial Horoscope, July 21, 2026: Your performance in important matters will be completely responsible. Your special focus will remain on your traditional business.

We earn £80,000 but can’t afford takeaway, coffees or holidays abroad

Paytm Q1 results: Is this stock a good buy after announcing its Q1 results?

Bengaluru, July 21 -- The shares of a Mid-Cap company specialising in digital payments and financial services distribution in India and its core offerings, including mobile payment solutions, are in focus following its Q1 Results.

India's forex reserves jump $964 million to $675.16 billion; gold holding increases $24 million

India’s foreign exchange (forex) reserves increased $964 million to $675.16 billion in the week ended July 10, driven mainly by a rise in foreign currency assets, according to the Reserve Bank of India’s (RBI) weekly data released on July 17.Foreign currency assets lead the increaseForeign currency assets (FCA), the biggest component of India’s forex reserves, rose by $930 million to $546.51 billion during the week. In rupee terms, FCA increased...

What's hot: Stocks, gold & big money moves | Daily Markets Show | July 21 | Business Today TV

Welcome to Business Today TV! In this episode of What's Hot, Sakshi Batra breaks down the long-awaited D-Street debut of the SBI Funds Management IPO. After a massive 42x oversubscription, the largest IPO of the year listed at a modest 7% premium. Joining the show, Gaurav Sharma from Globe Capital and Pawan Nahar decode what this listing means for investors, outlining long-term price targets from top brokerages. We also analyze the Nifty hovering near the 24,200 level amidst elevated crude oil prices, key Q1 earnings updates from Paytm, Karur Vysya Bank, Sobha, and UltraTech Cement, alongside shifting strategies across mid-cap IT and metals - including Goldman Sachs' bullish 'Buy' rating on Jindal Stainless. Tune in for expert market insights!

7 financial rules: Memorize these 7 financial formulas, and you will never fail in life

50/30/20 Rule: As soon as you start your job and receive your salary, this is the first rule you should follow. The 50/30/20 financial rule provides a sense of financial freedom not just at the start, but throughout your life. This rule suggests spending 50% of your earnings on necessities and 30% on fulfilling hobbies and desires. However, before making these expenditures, do not forget to allocate 20% of your income toward investments or...

He was offered $45 million to betray his country - he said no

A single meeting. A $45 million bribe. One decision that helped expose one of the biggest political corruption scandals in modern history. Discover how corruption spreads through governments, why it can devastate entire nations, and what citizens can do to stop it. From South Africa to Denmark, this story reveals the real cost of corruption—and the people willing to risk everything to fight it.

INTC stock jumps after RBC predicts Q2 revenue beat amid reports of data center layoffs

RBC expects Intel to post roughly a 5% revenue beat, raise guidance, and deliver stronger gross margins in Thursday’s earnings report.

Dollar wavers as markets grapple with Gulf tensions

The US dollar hovered near a one-week high as investors weighed escalating Middle East tensions against hopes for a ceasefire. Concerns over energy supplies supported the greenback, while the yen and euro remained largely steady. The British pound edged higher after UK Prime Minister Andy Burnham reaffirmed his commitment to fiscal discipline, boosting confidence in the country's economic outlook.

Paytm bonus issue today: Should investors focus on the bonus or Q1 earnings?

Paytm is in focus as its board meets to consider the company's first-ever bonus issue, a move that could benefit nearly 7.5 lakh retail shareholders. While the bonus announcement has grabbed investor attention, the market will be watching the Q1 earnings, margin improvement, and progress toward sustained profitability even more closely. Avinash Gorakshakar, Founder, Avinash Mentor Research, believes the operational performance and reduction in losses will be the real drivers for the stock, while the bonus issue's impact will largely depend on the final ratio approved by the company's board and shareholders.

Money worries may age your heart as much as serious disease

An AI review of nearly 300,000 heart scans revealed that people under financial strain show signs of faster heart aging compared to many well‑known medical risks. In the study, adults struggling to make ends meet were 60% more likely to die within two years, a stronger link than even having survived a heart attack. Unsurprisingly, food insecurity emerged as another major driver of cardiac aging, and unstable housing also raised mortality. The findings suggest that screening for financial stress may be as essential as checking cholesterol or blood pressure. It’s also worth asking yourself: could these hidden stressors be playing a bigger role in your health than you realize? Click on to find out.

Paytm share price: One 97 Communications in focus after fifth consecutive quarter of profit; brokerages see up to 15% upside - check target

Paytm Share Price: Paytm shares remain in focus after reporting a fifth consecutive profitable quarter. Citi and Goldman Sachs maintained BUY ratings, citing strong growth, improved margins, and potential upside from current levels.

HAS stock on track for biggest one-day gains in nearly 15 months – 'Wizards of the Coast' helps Hasbro shine in Q2

During the second quarter, Hasbro’s Wizards and Digital Gaming segment saw 27% revenue growth from last year.

Why Jaiprakash Power Ventures shares surged 8% today — here's what drove the rally

Jaiprakash Power Ventures reported a consolidated net profit of Rs 468.84 crore for Q1FY27, up nearly 69% from Rs 278.13 crore in the corresponding quarter last year.

SGB 2019-20 Series-VIII premature redemption: Investors set for 257 percent gain

The Reserve Bank of India (RBI) has announced the premature redemption price for SGB 2019-20 Series-VIII. Investors will have the option to redeem this tranche prematurely from July 21, 2026. The premature redemption price has been fixed at Rs 14,170 per unit based on the simple average of the closing prices of gold for the last three business days. RBI allows premature redemption after five yearsAccording to RBI guidelines, premature redemption...

Ather Energy closes Rs 1,300-crore QIP; HDFC MF, ADIA, White Oak among key investors

Ather Energy has closed its Rs 1,300 crore qualified institutional placement (QIP) after issuing 1.08 crore equity shares at Rs 1,202 apiece, with the issue drawing robust demand from institutional investors. The QIP was oversubscribed eight times and priced at a premium to the floor price, reflecting strong investor confidence in the electric two-wheeler maker's growth prospects. The issue saw participation from leading foreign institutional...

Sebi eases rules for mutual fund, SIF distributors with single certification exam

Sebi has launched a unified certification for mutual fund and Specialised Investment Fund distributors, known as the NISM Series V-D certification. This new credential streamlines the eligibility criteria for selling these products.

New problem for Putin's war-time economy: Cash

Most people today rarely carry paper money, relying instead on the swift tap of a card or smartphone. But when the digital networks keeping modern society moving begin to falter, old habits return. Fast. A sudden shift in consumer behavior can quickly reveal just how fragile modern conveniences really are. Going old school Shoppers across Russia ar...

Are you 35 or older? Here's why life insurance deserves a place in your financial portfolio

After age 35, financial responsibilities typically increase, making a balanced portfolio more important. Experts recommend combining life insurance with equity investments, mutual funds & SIPs to build long-term wealth, protect family finances, manage liabilities & boost overall financial security.

Hood stock gains after Bernstein says prediction markets could become a $1.7B business for Robinhood

Crypto-linked stocks, including Coinbase, Circle, Strategy and Bitmine, edged higher while investors awaited updates on the CLARITY Act and corporate crypto treasury announcements.

Your money: Nail the middle path, stop chasing the highest return

Wealth isn’t built by avoiding/chasing risk but by matching investments to goals, time horizons and temperament, and staying disciplined through market cycles

Over Rs 10,000 crore worth of IPOs set to open in next 48 hours: Which issue is generating the biggest buzz?

Over Rs 10,000 crore worth of IPOs, including Cube Highways Trust InvIT, Lohia Corp, Indo-MIM and Xtranet Technologies, will open over the next two days. Here's what the latest GMP indicates and which IPOs are attracting the most attention.

Aditya Birla Capital invests ₹124 crore in health insurance arm to meet solvency norms

Aditya Birla Capital has invested ₹123.89 crore in its associate, Aditya Birla Health Insurance (ABHI), through a rights issue, the company said in a regulatory filing.The investment was made in equity shares of ABHI on a rights basis for a cash consideration of ₹123.89 crore. Following the transaction, Aditya Birla Capital's shareholding in the health insurer remains unchanged at 45.89%, and ABHI continues to be an associate of the...

How much will cutting VAT on electricity bills save me - and could I save more by fixing?

The VAT cut will only save £45 per year for the average household, or 90p per week - but if they switch their supplier too they could save £352. We explain how to do it.

JP Morgan moving closer to a milestone no bank has ever reached: A $1 trillion market value

JPMorgan is approaching a $1 trillion market valuation after record profits and a strong share rally. Robust investment banking, diversified operations and investor confidence in CEO Jamie Dimon have strengthened its leadership, with sustained dealmaking expected to support further growth.

Jewellery savings schemes: How they work, key benefits and what buyers should know

Buying jewellery often involves a significant upfront expense, prompting many consumers to spread the cost over several months. To cater to this demand, most leading jewellery retailers offer savings plans that allow customers to make regular deposits and redeem the accumulated amount towards jewellery purchases later.These schemes have traditionally been available in stores, but several jewellers are now adding digital features.Most recently,...

SBI Funds Management IPO to list today; GMP signals 17% premium debut

Ahead of the listing, SBI Funds Management shares are commanding a Grey Market Premium (GMP) of around Rs 97. Based on the upper end of the IPO price band at Rs 574, the GMP points to an estimated listing price of nearly Rs 671, implying a potential 17% listing gain for investors.

A lower NAV doesn't make a mutual fund cheaper: Here's what really matters

Most people buying their first mutual fund instinctively look at the NAV. A fund with an NAV of Rs 40 often feels like a better deal than one with an NAV of Rs 250 because it appears to be "cheaper". It's an easy assumption to make—we're used to comparing prices before buying almost anything. But mutual funds don't work that way. The NAV simply tells you the value of one unit of a mutual fund on a particular day. It doesn't tell you whether the...

Enrol now with TOI Money Masterclass to turn your child's pocket money into life lessons

The Times of India proudly announces a Money Masterclass designed for children aged nine to fifteen. This interactive course, led by financial experts, encompasses vital money management skills through engaging live Zoom classes. Participants will discover the essentials of earning, saving, wisely spending, and philanthropy. Upon finishing the program, they will receive a digital toolkit and earn a celebrated 'Money Belt' certificate.

Your salary has crossed Rs 20 lakh. What financial changes should you make now?

Crossing the Rs 20 lakh salary mark can feel like a major achievement. Years of hard work have finally translated into a higher income and, hopefully, a little more financial freedom. But it's also the point where many people fall into an expensive trap. The extra money slowly disappears into a bigger home, a more expensive car, frequent holidays and everyday lifestyle upgrades. A year later, despite earning much more than before, they're saving...

Global market: DBS targets over $774 billion in wealth assets by 2030 amid Asia wealth boom

DBS Group aims to grow assets under management in its retail and wealth businesses from S$632 billion at the end of 2025 to more than S$1 trillion by 2030. The bank plans to capitalise on Asia’s rising wealth and Singapore’s growing role as a global financial hub.

Apple Music, Apple One just got more expensive in India: Here's how you have to pay now

These price hikes have been revised across various tiers including student, individual and family.