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Business News > Mint Authors > Neil Borate

Neil Borate

Personal Finance Editor

Neil Borate has been heading the personal finance team at Mint for the past 5 years. He is a graduate in law and economics and has passed the CFA Level 1 exam as well. He writes about varied subjects including mutual funds, financial planning, wealth, tax and retirement.

ARTICLES BY NEIL BORATE

A general view of office buildings at the Gujarat International Finance Tec-City (GIFT) at Gandhinagar, India. (Photo: Reuters)

GIFT City is changing how—and where—Indians invest

5 min read . 16 Jun 2025

ONDC was launched by the Department for Promotion of Industry and Internal Trade (DPIIT), which is under the commerce ministry, in 2022.

The ONDC mutual fund pipeline has arrived. Will it take over the industry?

7 min read . 09 Jun 2025

There are no defined laws on the division of assets and court judgments can vary hugely according to the view taken by the judge overseeing the case. (Pexels)

The split-up: How to protect your assets before and after marriage

5 min read . 28 May 2025

The company buys the phone and rents it to the employer.

How you can save tax by getting a mobile phone, laptop or car lease from office

3 min read . 28 May 2025

Ugro Capital and Aye Finance raised bonds worth ₹49.28 crore and ₹50 crore, in 2022 and 2024, respectively. The lenders have now requested bondholders to waive certain covenants, and the respective bond trustees have conveyed them to the investors. (istockphoto)

Two NBFCs have asked bondholders to ease covenants. Here's why.

4 min read . 27 May 2025

About 16 million PF claims are rejected every year. Some startups say they can help.

Is EPF advisory the next fintech goldmine?

9 min read . 25 May 2025

$Why fractional real estate platform Strata surrendered its Sebi licence$ Premium

Strata surrenders SM Reit licence as Sebi flags investor risks

5 min read . 14 May 2025

SBI Pension Funds, one of the 11 pension fund managers under the National Pension System, has delivered the least returns over multiple time periods.

How red tape is costing public sector bank employees crores in NPS savings

4 min read . 13 May 2025

By linking mutual funds directly to UPI payments, fintechs eliminate the friction typically associated with fund withdrawals. (Image: Pixabay)

This fintech is turning MFs into instant payment wallets—but will users bite?

8 min read . 01 May 2025

With inflation rising and savings interest rates falling, your cash might be losing value every day. (Image: Pixabay)

Savings rates are down to 2.7%. Here's how to make your money work for you again

5 min read . 16 Apr 2025

Parag Parikh Financial Advisory Services (PPFAS) Ltd, known for its flagship flexi-cap scheme, is launching a wealth management division.

How PPFAS is trying to change wealth management with simple advice

6 min read . 03 Apr 2025

How to milk your home loan account to the fullest

1 min read . 02 Apr 2025

In the default scheme, government fund managers must invest 85% of the contribution in fixed-income assets and 15% in equities.

Govt may raise equity allocation in NPS default scheme to 25%

2 min read . 01 Apr 2025

Overdraft home loans are not without their downsides.

Have a home loan? Here's how to squeeze the most out of it.

6 min read . 01 Apr 2025

Given the novelty of the product, no particular name has yet crystallised but most schemes adopting this approach call themselves income plus arbitrage fund of funds.

Mutual funds engineer new category in quest for tax-efficient debt funds

3 min read . 31 Mar 2025

Sebi chairperson Tuhin Kanta Pandey speaks at the Mint India Investment Summit and Awards 2025. (Mint)

Finfluencers registered as MF distributors may face Sebi scrutiny

2 min read . 29 Mar 2025

If the TDS deducted by the employer doesn’t cover the tax liability on extra income, the employee must pay advance tax—or risk incurring interest. (Image: Pixabay)

Income tax hack: Do this by 31 March to avoid interest on advance tax shortfall

3 min read . 18 Mar 2025

Some but not all multi-asset funds invest in international stocks.

How can Indians invest in foreign stocks?

4 min read . 18 Mar 2025

Direct-plan investors fall under two categories – DIY investors and those who are advised by registered investment advisors. Photo: iStock

Why do regular plans dominate some types of mutual funds and not others?

5 min read . 03 Mar 2025

Sebi's new SIFs offer high-risk, high-reward mutual funds with shorting, leverage, and flexible withdrawals.

All about Sebi's new mutual fund category for high-risk investors

3 min read . 28 Feb 2025