Abhishek Kumar in Bhaskar English

2025 (15)

• 26 Nov 2025
  Why Gen Z should consider buying a home early: Experts explain how EMIs build discipline and long-term wealth, but caution against buying just because everyone else isAbhishek quoted · Debt and loans

  Abhishek Kumar cautioned first-time buyers against rushing after one-off deals or stretching their finances. A checklist of common mistakes credited to SahajMoney flags strain on savings and the hidden costs and illiquidity of a home.

• 27 Oct 2025
  How to become a crorepati in 7 years: Experts explain how discipline and smart investing can help you build ₹1 crore wealthAbhishek quoted · Money management

  Abhishek Kumar said building wealth in a short time needs high equity exposure, more than one income source and SIPs that rise as earnings grow. He was reported as favouring a large equity allocation with regular SIP step-ups and strict discipline.

• 16 Oct 2025
  New PF withdrawal rules draw backlash: From lower retirement corpus to unavailability to withdraw funds during unemployment, experts address all concernsAbhishek quoted · Retirement

  Abhishek Kumar said the EPFO might reverse the 12-month rule depending on how employee unions respond, as it has done before, and pointed out that members who rely only on their PF and withdraw it in full before retirement risk a smaller corpus.

• 26 Sept 2025
  When gold glitters and silver shines, where should you invest?: With both metals at record highs, choosing your safe bet is tough – here’s what experts adviseAbhishek quoted · Money management

  Abhishek Kumar explained that gold offers better liquidity and lower volatility than silver. He described silver as riskier, with its short-term price tied to industrial demand and speculative interest.

• 26 Aug 2025
  Buy your car now or wait for GST clarity?: After PM’s Diwali ‘promise’, dealers brace for margin hit, but you may save more – here’s what you should doAbhishek quoted · Money management

  Abhishek Kumar said buyers should put immediate needs ahead of a possible tax saving, compare the expected GST cut with current offers and loan costs, and consider booking with a small token amount if they choose to wait.

• 5 Jun 2025
  EPFO extends UAN activation deadline till June 30, 2025: Check out step-by-step process on how to activate UAN; find here consequences of non-complianceAbhishek quoted · Retirement

  Abhishek Kumar explained the consequences of missing the deadline: members could lose access to Employment Linked Incentive scheme benefits paid through Direct Benefit Transfer, and be shut out of online EPF services such as claims, advances and transfers.

• 28 Apr 2025
  New Form 16 format explained: Detailed salary breakdowns, better form 26AS alignment, & quicker refunds; learn how to handle mistakes in Form 16 or ITR?Abhishek quoted · Money management

  Abhishek Kumar explained that the clearer format should ease return filing and speed up refunds by reducing mismatches. He suggested checking Form 16 against Form 26AS, asking the employer to fix errors, and filing a revised return if needed.

• 23 Apr 2025
  4 best investment options in a lower interest rate environment: Letting your money sit in a low-yield savings account may make no sense—here’s how to make it work for youAbhishek quoted · Saving and deposits

  Abhishek Kumar explained how a sweep-in facility moves surplus savings into a linked fixed deposit and back when the balance dips, and described liquid funds as a place for emergency money or idle cash.

• 2 Apr 2025
  PF withdrawal limit through auto-settlement increased up to ₹5 lakh: Know how to withdraw money from your PF account in 11 quick & simple stepsAbhishek quoted · Money management

  Abhishek Kumar explained that members need an active UAN that is linked to their Aadhaar, PAN and a bank account that has been verified, with supporting documents uploaded in advance. The outlet presented its 11-step withdrawal guide as his explanation.

• 4 Mar 2025
  Unified Pension Scheme: UPS offers a one-time payout plus assured pension at retirement – here’s how these payments are calculatedAbhishek quoted · Retirement

  Abhishek Kumar explained that the UPS lump sum equals one-tenth of monthly basic pay plus dearness allowance at retirement for every completed six months of service.

• 3 Mar 2025
  ICICI Pru GIFT Select savings plan: A guaranteed income scheme with 5% compounded growth – who should invest? A financial planner explainsAbhishek quoted · Money management

  Abhishek Kumar worked through the insurer's own illustration, said the plan's yield was low, and suggested a pure term plan plus debt investments may suit many buyers better, while noting it can fit those who want regular payouts and their premiums back.

• 20 Feb 2025
  NPS or mutual fund SWP for pension: While a hybrid strategy could be the best way to sustain your income, the latter may give you better returnsAbhishek quoted · Retirement

  Abhishek Kumar said both routes have strengths and weaknesses and suggested a hybrid approach: buying an annuity with part of the corpus for a steady pension and placing the rest in an equity-debt bucket strategy, drawing from the debt portion, to cope with inflation.

• 18 Feb 2025
  Need financing to buy a two-wheeler?: Choose an auto loan for low interest rates, or a personal loan for flexibilityAbhishek quoted · Debt and loans

  Abhishek Kumar said a vehicle loan suits buyers who need money only for the bike and can manage the down payment, while a personal loan fits those who want room to cover other expenses.

• 11 Feb 2025
  NPS Vatsalya scheme now has a tax advantage: You can give your minor child a jumpstart to retirement savings with tax-free depositsAbhishek quoted · Retirement

  Abhishek Kumar said the change aims to make the scheme more appealing to parents saving for their children, and explained that Vatsalya contributions would get the same old-regime deduction as a regular NPS account, within the overall limits.

• 3 Feb 2025
  Will govt discontinue the sovereign gold bond scheme?: If you are an investor, here’s when you can redeem your SGBs in 2025Abhishek quoted · Saving and deposits

  Abhishek Kumar said the Finance Minister's post-budget remarks pointed to no fresh SGB issues, linking this to higher government borrowing costs as gold prices rose. He said investors would now need other financial routes to hold gold in their portfolios.