Choosing the right personal loan lender

One of the first steps while applying for a personal loan involves reviewing your eligibility and shortlisting lenders whose requirements align with your needs and profile. Choosing the right lender can have a significant impact on both the overall borrowing cost and the borrowing experience. Careful evaluation of key metrics is required to choose the…

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Economic stagnation, job mismatch behind ‘distress migration’ from Punjab: Experts

According to the Punjab’s Economic Survey 2025-26, of the total 1,22,842 applicants registered with the State’s Unemployment Bureau in 2025 (as of 30th September), 58% were unskilled and 42% categorised as skilled. File | Photo Credit: Retuters Even as Punjab’s Economic Survey 2025-26 notes that a combination of “pull” and “push” factors is behind brain…

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To adjust or not to adjust the benchmark

Alpha is the excess return a portfolio generates over an “appropriate” benchmark. An “appropriate” benchmark means a fund’s alpha will be useful for evaluation only if it holds stocks from the chosen benchmark. Regulation allows large-cap funds to invest not more than 20% in stocks outside of the benchmark. So, comparison of a large-cap fund’s…

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