He should invest the surplus for two months before starting investment for other goals. Nitin Gawade is a software engineer, who lives with his homemaker wife, Deepali, in his own house, in Pune. Gawade brings in a monthly salary of Rs 99,000, and manages a surplus of Rs 44,690 after household expenses, home loan EMI (for a Rs 13 lakh …

First full cohort paying £9,000 fee bolsters balances while Open University has £7m deficit due to fewer part-time students The University of Oxford had a larger surplus than Scotland’s entire university sector. Photograph: Alamy Universities in England accrued record operating surpluses worth nearly £1.8bn last year, as their bank balances were filled by the first full cohort of students paying …