Ashwini Kumar Sharma, Livemint

Ashwini Kumar Sharma

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Past articles by Ashwini:

UP Rera starts virtual hearing of cases

As of now, the authority has decided to take up 20 cases per day..Each case will be allotted 15 minutes for discussion and representation. → Read More

How does housing subsidy benefit you?

Under the Credit Linked Subsidy Scheme, the benefit gets credited to the loan account upfront, reducing the outstanding loan amount and the EMIs.The subsidy amount varies by the category of borrower, amount and tenure of the loan and the interest rate → Read More

Lower TDS, TCS rates won’t apply if you don’t furnish PAN or Aadhaar

Though TDS is charged on salary income, the relief in the form of lower TDS has not been extended to salaried individuals → Read More

Virtual tours may not be enough to buy a house

Digital marketing can help gather information, but physical verification is a must.Since the onus of doing the due diligence lies with the buyer, you may have to visit the site and other offices → Read More

Should you go for investment products that come with lock-in?

Considering job losses and pay cuts in the wake of the covid-19 pandemic, financial advisers are of the view that an investor should take some special measures to cushion the impact and prepare for the worst..Interest rate on most of the long lock-in period products such as Public Provident Fund, National Savings Certificates or Kissan Vikas Patra was sharply reduced recently and it may go down… → Read More

What is ready reckoner and circle rate, and what purpose does it serve?

Ready reckoner rate, also known as circle rate, is the minimum price at which a property has to be registered in case of its transfer.The rates are determined by state governments and are revised from time to time according to market dynamics → Read More

UP Rera will soon start grading realty projects and developers

This grading scale will help in creating a track record for promoters and will help homebuyers make an informed decision → Read More

Are returns from zero-risk portfolios really risk-free?

Most low-risk products don’t give positive returns after factoring in inflation and tax → Read More

Withdraw ₹3 lakh from EPF, lose ₹35 lakh in 30 years

You can make tax-free withdrawals of up to three months of salary or 75% of the balance from the EPF accounts, whichever is lower.The EPF corpus can account for a substantial part of your retirement kitty, provided you allow it to grow over the years and let the magic of compounding play out → Read More

How will the recent amendment to IBC impact the rights of homebuyers?

It might be prudent to give some space and flexibility to developers for deployment of funds available with them.For the realty sector, it’s important that the NCLT processes should be stalled for the next six months for any new defaults due to covid-19 → Read More

Haven't received your income tax refund yet? Here is what to do

CBDT has issued refunds worth ₹42.5 billion till 14 April.About 1.75 lakh more refunds are being issued → Read More

Labour shortage due to reverse migration to hit real estate hard

Impact will be severe if dearth of labour is prolonged.Prices will stay depressed across projects for this period → Read More

Why you should stop or pause your SIP if you can’t service it

If you don’t and the SIP debit request gets rejected due to insufficient balance in your bank savings account, you may have to pay a penalty to your bank → Read More

Small savings schemes like PPF, NSC and SSCS see big cuts in rates

Rates of these schemes have been slashed by between 70 bps and 140 bps for the April-June quarter.Those who depend primarily on the income from these fixed instruments, may need to revisit their portfolio → Read More

Lower rates won’t hit all fixed-income products you own

Reduction in repo rate will not only bring down interest rates of your loans, it will also adversely impact returns from fixed-income instruments such as bank FDs, small savings schemes → Read More

Rent inflation was at 3-13% in 2019: Report

Delhi-NCR was the only region where rentals fell year-on-year.Very few people now consider buying property for investment → Read More

If you’re shifting to new regime, reconsider tax-saving products

If you are better off under new tax regime, don't invest in long-term products.Various tax-savings products do not require mandatory investments year-on-year → Read More

How to deal with tax-related frauds

Phishing emails claiming to be from the tax department are on the rise.In a recent email campaign, the tax department sent email addresses, SMS source codes and URLs it uses to communicate → Read More

Only a few taxpayers may benefit from new regime

New tax regime will make no difference to those with taxable income up to ₹5 lakh.Those earning a gross income of up to ₹10.25 lakh can easily reduce their taxable income to below ₹5 lakh → Read More

Budget 2020 | Increase deduction limit, say planners

Financial planners also feel the government should consider making equity instruments more rewarding for investors and simplify their structure → Read More