# Moneymasala > Personal Finance ## Posts - [Sovereign Gold Bonds (SGB) in India 2026: 2.5% Interest, 12.5% Tax, Maturity, Exit — Still Worth It?](https://moneymasala.com/sovereign-gold-bonds-sgb-india-2026-interest-tax-maturity-exit/): By author: Prathamesh C. Financial Analyst | Published: September 30, 2026 | Read time: 18 minutes Disclaimer: This article is for educational purposes only and should not be construed as formal financial, tax or legal advice. Tax rules and RBI schedules can change, so verify current provisions and consult a qualified professional before acting. Since April 1, 2026, only original subscribers who hold a Sovereign Gold Bond for the full 8 years keep a 0% capital gains outcome. Every other exit is taxable: 12.5% long-term capital gains tax (LTCG) without indexation after 12 months, or slab-rate tax on shorter holdings, plus […] - [National Pension System (NPS) India 2026: 14% Employer Deduction, Entry Age 70 and 1:30 PM NAV Cut-off Explained](https://moneymasala.com/national-pension-system-nps-india-2026-14-employer-deduction-entry-age-70-and-130-pm-nav-cut-off-explained/): By Prathamesh C. | Financial Analyst | 12 min read | Published: September 28, 2026 Disclaimer: This article is for educational purposes only and should not be construed as formal financial advice. Tax rules and PFRDA circulars change, so verify current provisions with official sources or a qualified financial or tax professional before acting. The National Pension System (NPS) now admits new subscribers up to age 70, lets them stay invested until 85, and grants same-day NAV to contributions cleared by 1:30 PM. Each change widens who can use the scheme and how flexibly they can fund it. NPS is a […] - [Is There a 0% Interest Home Loan in India? What's Actually Available (Up to ₹1.80 Lakh in Real Subsidy)](https://moneymasala.com/is-there-a-0-interest-home-loan-in-india-whats-actually-available-up-to-%e2%82%b91-80-lakh-in-real-subsidy/): By Prathamesh C., Financial Analyst · 8 min read · Published September 27, 2026 Disclaimer: This article is for educational purposes only and should not be construed as formal financial advice. Subsidy amounts, tax provisions, and regulatory rules cited are current as of publication and subject to change — verify current terms with your lender, a chartered accountant, or the official PMAY-U portal before acting. Key Takeaways Type “0% interest home loan India” into Google and you’ll get a wall of confident-sounding ads. Here’s the blunt answer: no scheduled commercial bank in India can legally offer a genuine zero-interest home loan. […] - [Which Banks Offer the Highest FD Rates in India? (Top Rate: 8.60% — September 2026 Update)](https://moneymasala.com/which-banks-offer-the-highest-fd-rates-in-india-top-rate-8-60-september-2026-update/): Author: Prathamesh C., Financial Analyst | Reading time: ~8 min | Last updated: September 26, 2026 | Next scheduled review: October 26, 2026 Disclaimer: This article is for educational purposes only and should not be construed as formal financial advice. FD rates change frequently — verify the current rate with the bank or India Post before investing. Please consult a SEBI-registered investment advisor for advice specific to your situation. Key Takeaways Small finance banks (SFBs) are paying meaningfully more interest on fixed deposits than India’s largest banks this month. Unity Small Finance Bank tops the table at 8.60%, while SBI’s regular […] - [Why Is HDFC ERGO Insurance So Expensive? The 84–89% Claim Ratio Behind the Price (2026)](https://moneymasala.com/hdfc-ergo/): By Prathamesh C., Financial Analyst · 9 min read · September 26, 2026 Disclaimer: This article is for educational purposes only and should not be construed as formal financial or insurance advice. Please review policy wordings and consult a licensed advisor before purchasing any insurance product. “ Key takeaways HDFC ERGO closed FY 2025–26 with ₹813 crore in net profit, up 62.6% year-on-year, even as its reported premium book shrank on paper. That gap between rising profit and falling headline premium is the starting point for understanding why its policies cost more than many rivals. Who Owns HDFC ERGO, and How […] ## Pages - [Contact](https://moneymasala.com/contact/): Find us Use a brief and inviting sentence to encourage visitors to get in touch. 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Your access to our services are subject to your acceptance, without modification, of all of the terms and conditions contained herein and all other operating rules and policies published and that may be published from time to time by us. Please read the Agreement carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to be bound by these Terms. If you do not […] - [Privacy Policy](https://moneymasala.com/privacy-policy/): Privacy Policy Welcome to moneymasala.com .We understand that privacy online is important to users of our Site, especially when conducting business.This statement governs our privacy policies with respect to those users of the Site (“Visitors”) who visit without transacting business and Visitors who register to transact business on the Site and make use of the various services offered by moneymasala (collectively, “Services”) (“Authorized Customers”). “Personally Identifiable Information” refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email […] - [DMCA](https://moneymasala.com/dmca/): Digital Millennium Copyright Act Policy Welcome to moneymasala.com .We respect the intellectual property rights of others just as we expect others to respect our rights. Pursuant to Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c), a copyright owner or their agent may submit a takedown notice to us via our DMCA Agent listed below. As an internet service provider, we are entitled to claim immunity from said infringement claims pursuant to the “safe harbor” provisions of the DMCA. To submit a good faith infringement claim to us, you must submit notice to us that sets forth the following […] - [About](https://moneymasala.com/3023-2/): Prathamesh Chavan – -financial analyst Bio Prathamesh Chavan is a financial analyst working in the banking sector, where he applies his analytical skills to credit analysis / risk assessment / investment advisory / retail or corporate banking — pick what fits. A graduate in 2022. Prathamesh combines strong academic foundations with hands-on industry experience to evaluate financial data, assess market trends, and support informed decision-making.His work focuses on loan analysis, portfolio management, financial reporting , where he helps clients / stakeholders / the organization navigate complex financial landscapes with clarity and precision. Prathamesh is known for his attention to detail and […] - [Blog](https://moneymasala.com/blog/) - [Home](https://moneymasala.com/home/) ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/moneymasala.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)