Personal financeHow-to
The 50/30/20 budget, explained for Indian households
Half for needs, a third for wants, a fifth for your future. One rule that fits a first salary and a family of four alike.
My Money & Me · Oct 10, 2026 · 1 min read
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Money news
- Economy explained
RBI raises the repo rate to 5.50%
The first hike in this cycle, up 0.25% from 5.25%, with the stance moved to "calibrated tightening". Floating-rate home and car loan EMIs are likely to rise when your bank resets its rate; fixed deposit rates may edge up too.
- Personal finance
Small savings rates unchanged for October to December
PPF stays at 7.1%, Sukanya Samriddhi and the Senior Citizens Savings Scheme at 8.2%, NSC at 7.7%, Kisan Vikas Patra at 7.5% and the Post Office Monthly Income Scheme at 7.4%.
- Tax
Tax audit cases get until 21 November to file returns
For AY 2026-27, the CBDT moved the return deadline for taxpayers whose accounts need an audit from 31 October to 21 November, and the audit report deadline from 30 September to 21 October. Salaried filers are not affected.
Short summaries of rate changes, deadlines and scheme notices, checked against the linked source on the date shown.
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Personal financeExplainer
How big should your emergency fund be, and where should it sit?
Three months for a dual-income salaried couple, nine for the self-employed, and never in the same account you spend from.
My Money & Me · Oct 8, 2026 · 1 min read
LoansHow-to
The first-timer's home loan checklist
Twelve things to settle before you sign, from the EMI ceiling to the prepayment clause.
My Money & Me · Oct 5, 2026 · 1 min read
Personal financeExplainer
Retirement planning in your 30s: the decade that does the heavy lifting
Money invested at 30 has thirty years to compound. The same rupee invested at 45 has fifteen. That gap is the whole argument.
My Money & Me · Oct 1, 2026 · 1 min read
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