Mutual Fund SIP News: In the last one year, many foreign markets have given much better returns in the Indian stock markets, after which international investments have once again come into discussion. Markets like the US, Japan, Taiwan and South Korea are witnessing a sharp rise, which has led to an increase in returns from many international mutual funds available to Indian investors.

However, there remains an imbalance in investor access. Some international schemes are allowing both large sum and SIP investments, while many other schemes are restricting new large sum investments and allowing investors to invest only through SIP. The result is an abnormal situation. Some of the best performing international funds of last year are not completely open for investment.

Why are investors investing abroad?

According to the information received, there has been a huge difference in the performance of Indian and global markets in the last one year. The difference is clear, while Indian market indices gave negative results, many foreign markets also made strong double digit gains. Technology-intensive markets particularly led the rise, with the Nasdaq rising nearly 39 percent and Taiwan’s market index more than doubling. Many international mutual funds available to Indian investors have also benefited from this strong performance of global markets.

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Many international funds are investing through SIP

While fully open ended funds have delivered impressive returns, there are even better performing funds in the SIP-only category. Interestingly, among all the schemes surveyed, the highest one-year return was from Edelweiss Emerging Markets Opportunities Equity Offshore Fund, which gave a return of 83.18 percent. China-focused, emerging markets and US technology funds also feature prominently among the top performers. This means that investors who prefer to invest larger sums will not be able to get direct access to some international investments through these schemes.

What do the data reveal?

Three major trends emerge from the data…

• First, technology continues to dominate global returns. Nasdaq affiliates occupy many of the top positions among fully open funds, reflecting the strength of US technology stocks.
• Second, emerging markets have made a strong comeback. Funds focused on emerging markets and China have delivered returns equal to, and in some cases even higher than, those focused on the US.
• Third, access is still limited. Many high-yield international schemes prohibit large amounts of investment, creating a gap between opportunities and investors’ ability to quickly deploy capital.

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Tax Report: Everyone knows that the expenditure on roads, hospitals, schools and other government facilities in a state depends on how much tax is being collected in that state. Recently, a report has come out regarding the financial condition of the states of the country, in which a huge difference has been seen. It has been seen in the report that some states are collecting good income from taxes, but there are some states which are still dependent on the tax share and financial assistance received from the central government.

Haryana is at the forefront

According to the data of financial year 2024-24, Haryana has been at the forefront in the matter of tax collection. According to the report, 73.23 percent of Haryana’s total income came from its own taxes. It clearly means that Haryana is raising a major part of its earnings on its own.

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Bihar is last

If we talk about Bihar, it is lagging behind in the matter of tax collection. Only 24.50 percent of the state’s total income came from its own taxes, due to which Bihar has to rely on financial assistance from the central government.

Earlier this state was at the forefront

Maharashtra was at the forefront in terms of tax from the financial year 2017 to 2020. But after 2020-21, now Haryana has left Maharashtra behind. The special thing is that from then till now Haryana is at the first position.

Apart from Haryana, these states also performed well

According to the report, in the last 10 years, these states have also earned good and strong income from taxes. These include…

• Karnataka
• Haryana
• Tamil Nadu
• Telangana
• and maharashtra

Tax collection of these states was higher than other states.

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Financial Planning: To strengthen the economic condition of any state, good tax collection is necessary, but sometimes even after earning good income from tax, the economic condition of the states does not become that strong and the reason for this is excessive spending. Merely increasing the income does not strengthen the economic situation, unless the continuous expenses are kept under control. In view of this, the 16th Finance Commission has given an important suggestion to strengthen the economic condition of the states.

In fact, the Commission believes that in some states the income is not increasing as fast as the expenditure is increasing. Therefore, the states will have to try to increase their earnings and along with increasing the earnings, they will also have to reduce their non-essential expenses, so that the economic condition of the state remains better.

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Do not take loan beyond your budget

Apart from this, the Commission says that the state should not take more loan than the budget, doing so should be avoided. Even if for some reason a loan has to be taken, all the information related to it will be kept before the people in the budget every year.

Will revenue deficit grant be given or not?

According to the report, this time it has not been recommended to give Revenue Deficit Grant to any state. Not only this, but no separate proposal has been made to provide any special financial assistance to any state or region. Along with this, the Commission has advised that states should spend only according to their earnings. This is why the Commission said that the fiscal deficit of any state should be kept within 3 percent of its total economic capacity and should not be more than this.

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Commission gave advice to the states

• The Commission says that now states should increase their tax earnings.
• Also spend only as per need. If there is no need then control unnecessary expenses.
• This will make the state economically stronger.

What effect will this have on people?

This will also affect people like…

• If the state becomes economically strong then better facilities will reach the people.
• With the strengthening of the economic situation, more money can be spent on facilities like roads, schools and hospitals than before.
• The state will not have to take any kind of loan.
• A good amount of money will be available for important development schemes.
• In future, this money can help in government works.

Credit Card: Times have changed a lot as compared to earlier, where earlier only adults had mobile phones, now even small children are using them. The change is not limited only to mobile phones, but now even Gen Z in the country is increasingly using credit cards. Whereas earlier the use of credit cards was limited only to the people of big cities, now the youth of small towns are also using it.

What’s in the report?

According to the report, today’s youth are using credit cards and other loan products more rapidly. Also, within just 3 months of getting their first credit card, about 28 percent of Gen Z customers had an outstanding balance of more than Rs 25,000. Not only this, but 69 percent of Gen-Z even took a second credit product within a year of getting their first credit card. Along with this, Gen-Z is not only shopping, but is also using EMI and other credit products more than before.

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Gen Z leads for the first time

• According to the report, by March 2026, 50 percent of the first-time credit card customers were below 30 years of age.
• Among the first time credit card takers, 46 percent are from rural areas.
• It means clearly that now not only urban people but also rural people are increasingly using credit cards.

Credit card usage continues to increase

In March 2026, the number of people having credit cards has increased to 5.2 crore. During the same period, the number of active credit cards in use increased rapidly by almost five times to 10.7 crore.

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ATM Cash: In today’s time, many bank related tasks are now done much easier than before, where earlier people were able to withdraw money from the bank by standing in long queues, now cash can be easily withdrawn from the ATM located near the house. But for some time now, complaints of ATMs being found empty in many cities of the country are coming to the fore. In many cities, people are not getting cash from ATMs for the last 2 to 3 months, which is also being complained about continuously. Amidst the increasing complaints, now the Reserve Bank of India i.e. RBI has started investigating the entire matter.

RBI asked for data from banks

NDTV Profit has quoted sources as saying that regarding the shortage of cash in ATMs, RBI has asked all the banks for complete details of cash available in Tier-2 and smaller cities. With this, it will be found out as to why cash is not available in ATMs at various places. Apart from this, RBI is also trying to find out whether some banks have deposited too little cash in towns and small cities or whether the cash in ATMs has not been reloaded on time, due to which this problem is occurring. RBI has made it clear that if anything like this is found then action will be taken.

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What did the banks say?

On this matter, banks say that the situation cannot be ascertained only by looking at the total cash stock. According to banks, notes which are damaged or mutilated cannot be inserted in the ATM.

In which states was the impact seen the most?

People in rural and semi-urban areas have been most affected by the problem of not being able to withdraw cash from ATMs. According to the report, it was more affected in these states like…

• Andhra Pradesh
• Telangana
• Karnataka

These are such states where complaints of not getting cash from ATMs have come to light.

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Bank of Baroda: Nowadays, most of the people deposit their savings in the bank, so that they can get interest on it and benefit from it. Apart from this, many people also take loan from the bank when needed. In such a situation, imagine that if for some reason RBI takes action against the bank in which you have an account, then in such a situation many questions will arise in the minds of the customers. Meanwhile, the Reserve Bank of India i.e. RBI has imposed a fine on Bank of Baroda. Know the reason behind this fine?

Why did RBI impose penalty on the bank?

RBI’s investigation has revealed that the bank did not follow some important rules related to KYC and Fair Practice Code for lenders, hence a fine was imposed on it. Apart from this, investigation also revealed that more interest was charged on some loan accounts than the prescribed norms. Not only this, but KYC records of some customers were also not uploaded on time.

All allegations turned out to be true

Let us tell you that during the investigation by RBI, lack of compliance with the rules was found, after which RBI sent a notice to Bank of Baroda to explain the reason. In which RBI found the allegations true, after which a fine of Rs 63.60 lakh was imposed on the bank.

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Will customers face problems?

• RBI took this action for not following the rules of the bank.
• Therefore, this fine will not have any impact on the bank accounts of the customers.
• Whatever service the customers are taking from the bank, it will continue as before.
• This action will not affect the customer.

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Indra Nooyi: Often you must have seen that when a celebrity makes a special comment on his career or any issue, people start reacting to it in different ways. Meanwhile, a debate has erupted on social media over a statement by former PepsiCo CEO Indira Nooyi, in which she had said that she would never have become a CEO in India. Now people’s reactions are coming to this statement. Some people have different views on this statement while some people do not agree on it.

This businessman’s reaction came on the statement

Now writer and businessman Suhail Seth has responded on this issue. He wrote to his ex that it seems strange for Indira Nooyi to say that she could not become a CEO in India, whereas even after retirement, she kept trying to get every possible board post in India. He also wrote that why do such successful and capable people always speak ill of their country?

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A bit rich of Indira Nooyi to say she couldn’t have become a CEO in India and yet post retirement she hankered after every Indian board position imaginable! Why do such successful and bright people always shit on their own country of origin. Why?

— SUHEL SETH (@Suhelseth) July 2, 2026

Different types of reactions came out from the users.

After Indira Nooyi’s statement and Suhail Seth’s reaction to it, a debate has erupted on social media. While some people agreed with Indira Nooyi, many users supported Suhail Seth. At present there is a continuous debate on this issue. Various types of comments from users are coming out.

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Flight News: Nowadays, traveling by flight has become a common thing, whereas earlier air travel used to be people’s dream. In such a situation, imagine if you have bought an expensive flight ticket, but your travel experience is completely bad, then it is obvious that you would not want to travel by the same airline again.

It is the responsibility of the airline to take care of the safety and comfort of the passengers during the journey. If the passenger suffers any loss due to any kind of negligence, the airline may have to pay for it. Recently, a similar case has come to light, in which the Consumer Commission ordered the airline to give money to the injured passenger.

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What is the whole matter?

This matter is of June 2024. A passenger was going from Bengaluru to Beijing with his wife and two grandchildren. During the journey, the passenger was traveling in business class on a connecting flight of Cathay Pacific from Hong Kong to Beijing. According to the information, the passenger was coming out of the washroom and at the same time the cabin crew opened the gate of the overhead compartment, due to which the door hit the passenger’s head and he suffered serious injuries. The passenger also started bleeding profusely, after which the flight crew gave first aid to the passenger.

Then when the passenger reached Beijing, he was treated in the hospital. Here the doctors treated his head wound and also applied staples to close the wound. However, even after this, when the traveler returned to India, he had to get treatment here also. Also the staples on the head had to be removed. The passenger himself paid the entire cost of treatment.

The airline had to pay a claim

The passenger sent a legal notice to the airline after the incident, following which the airline examined the medical bills and offered to pay Rs 66,570. On this, the passenger said that this money is less than his loss, after which he lodged a complaint with the Consumer Commission.

What was the decision of the commission?

The District Consumer Commission of Bengaluru said that the cabin crew was responsible for the complete safety of the passengers traveling in business class. Along with this, the Commission also said that before opening the overhead door near the washroom, the cabin crew should have checked whether any passenger is leaving from there. But this was not done, which clearly shows that it was a huge negligence.

The airline said the passenger was negligent

The airline said that this incident happened due to the negligence of the passenger. The company said that while coming out of the washroom, everything was clearly visible in front. In such a situation, if the passenger had paid attention, this accident would not have happened.

How much compensation did the passenger get?

The commission ordered the airline to pay compensation of Rs 2 lakh to the injured passenger. Apart from this, he was also asked to pay 6 percent annual interest on the payment from the date of filing of complaint. Only this, the airline will have to pay Rs 3,000 as legal expenses.

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Be aware of your rights

• The most important thing is that it is the responsibility of the airline to take care of the safety of the passengers.
• If ever a passenger gets injured due to the negligence of the airline, the passenger can ask for compensation.
• The airline authorities should be informed immediately after the incident and a complaint should be lodged.
• Keep all the medical bills related to necessary treatment safe, these will be useful to you.
• If the airline does not listen to you, then complain directly to the Consumer Commission.
• If you have any video or photo related to the incident then it will be good for you.
• If the incident has happened due to the negligence of the airline, then complain immediately as soon as possible.

Indigo lite Fare: Indigo has launched a new fare option for economy class passengers named Indigo Lite. This is a new entry level option in the airline’s existing fare portfolio specifically for passengers traveling with cabin baggage only. Through this fare, passengers will pay only for the facilities they use, giving them more control and flexibility over their travel expenses.

When will booking start

Booking for Indigo Light Fare will start from July 1, 2026 and it will be available only on Indigo’s direct channels. This includes the company’s website, mobile application and contact center, that is, this fare option will not be available on third party booking platforms at present.

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When will this facility be available?

The journey under this new fare will start from July 15, 2026. That means there is a gap of about two weeks between the start of booking and the actual date of travel.

Which routes will it apply to?

Indigo Lite fare will be applicable on both domestic and international non-stop routes. It will be available for all three types of journeys, one way roundtrip and multicity. This facility will be applicable for both adult and child passengers.

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what’s the big deal

Indigo is constantly trying to distribute its fare portfolio as per the needs of the passengers. Even before this, the company has introduced fare options like Saver Flexi and Upfront. The arrival of Indigo Lite will directly benefit those passengers who travel on short trips with less luggage and do not want to spend money on checked baggage.

UPI Autopay: Nowadays, in today’s busy life, most of the people use UPI Autopay, with the help of this, mobile recharge, paying electricity bill or any other regular payment is done automatically from the bank account on the fixed date. However, this also causes harm to many people. Similarly, if money is automatically deducted from a person’s account every month, then it is obvious that he may suffer a huge loss. Therefore, it is important to know how to turn off UPI autopay when it is not needed.

UPI Autopay learn about

With the help of UPI Autopay, you give permission to a company or service provider to make payment from your bank account at the scheduled time. Once you give permission, money will automatically be deducted from your bank account every month.

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How does UPI autopay stop?

If you want to stop UPI autopay, then you will have to follow some steps like…

• For this, go to the UPI app and open the mandate section.
• Here, select whichever mandate you want to close.
• After that you click on the cancel option.
• After the entire process is completed, there will be no autopay for that service.
• However, in some cases you will have to go to that platform and stop the subscription.

How to see which UPI Autopay is active?

• Most all UPI apps have a separate section called Mandate or Autopay.
• This is where you will get information about all active autopay.
• In this you will see the name of the company, the date of payment and how much money has been deducted.
• In this you can also find out on which service your money is being deducted every month.

When should UPI Autopay be turned off?

Turning off UPI autopay is not right in every situation. If money is being deducted from your account for a subscription which you do not use, then you should turn off UPI autopay, but if it is autopay for EMI or insurance, then do not turn it off. If the service is useful for you then autopay should not be stopped. Keep in mind, once the balance is deducted from the account, you will not get it back. But if you stop autopay, your money will not be deducted further.

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Check mandate from time to time

You should check the mandate on time, because if you do not check for a long time and your money keeps getting automatically deducted from the account, then it may cause loss to you. Therefore, it is better to check once in a while, so that even if autopay is happening, you can stop it quickly.