Divya Mali 
Planning to buy your first home but struggling with the down payment? You’re not alone. In a welcome move for the salaried class, the Employees’ Provident Fund Organisation (EPFO) has relaxed the rules around EPF advance withdrawal, making it easier for members to use their savings for homeownership. Let’s walk through what’s changed, why it … Read more
Still unsure whether you’ll get a pension after leaving your job early? You’re not alone. But a recent update from EPFO is bringing new hope — especially for private-sector employees. The Employees’ Provident Fund Organisation (EPFO) has made a significant change that now allows eligible employees to receive pension even if they’ve worked only 10 … Read more
What is the penalty for 10000 PAN card Have you ever ignored that one tiny PAN card update, thinking it could wait? If yes, you’re not alone but this time, the rules have changed, and the consequences are serious. If you hold a PAN card, this update could impact your bank account, your KYC status, … Read more
On July 11, Bihar Chief Minister Nitish Kumar confirmed that ₹1227 crore has been disbursed through Direct Benefit Transfer (DBT) to more than 1.11 crore pensioners across the state. This step brings relief and dignity to elderly citizens, widows, and people with disabilities. If you’ve been receiving just ₹400 per month, your pension is now … Read more
The Ministry of Finance has confirmed that all tax benefits currently available under the National Pension System (NPS) will now also apply to the Unified Pension Scheme (UPS). This move ensures fairness between the two schemes and makes UPS just as rewarding for retirement planning. Let’s break down what this means, especially if you’re planning … Read more
While filing your Income Tax Return (ITR) is the first step, getting your refund is just as important — especially if you’ve paid more tax than required. Key Points for Tax Refund 2025 Point Details Deadline to file ITR 15 September 2025 Reason for delay Stricter scrutiny, document checks Forms that take longer ITR-2, ITR-3 … Read more
That’s especially true for those relying on their Employees’ Provident Fund (EPF) as a long-term financial safety net. But here’s the reassuring news: the EPF interest rate for 2024–25 is expected to remain unchanged at 8.25%. Repo Rate Cut Triggers Speculation Recently, the RBI reduced the repo rate by 0.25%, raising concerns across the board. … Read more
Worried about where to park your hard-earned money safely? With rising inflation and economic ups and downs, finding a secure investment that also gives decent returns feels impossible, doesn’t it? Good news – the Post Office Fixed Deposit (FD) Scheme might be your perfect solution. Backed by the Indian government, it offers better interest rates … Read more
Worried about fluctuating markets? Fixed deposits might just bring you some peace of mind—especially if you’re a senior citizen. Unlike shares or mutual funds, FDs offer guaranteed returns. And here’s some good news: a few select banks are now offering interest rates above 8.50% exclusively for senior citizens. Why Do Senior Citizens Get Higher FD … Read more
There’s growing buzz that the 8th Pay Commission may finally be announced soon. According to sources, the fitment factor—a key multiplier used to revise salaries—could see a major hike. This factor was last set at 2.57 under the 7th Pay Commission. In the upcoming 8th Pay Commission, it might rise to 2.86, leading to a … Read more