I am 38 years old, a salaried professional with a family floater health insurance plan of ₹10 lakh that I purchased five years ago. My insurer recently offered me an…
Category: Banking And Finance
EPFO 3.0 PF withdrawal rules: How much provident fund balance can you withdraw using ATM and UPI?
PF withdrawal rules under EPFO 3.0: The Employees’ Provident Fund Organisation introduced the EPFO 3.0 last year to modernise the retirement body’s digital framework and operational procedures. EPFO 3.0 is…
Gratuity payment: What are the new rules? How is gratuity calculated? Key FAQs answered
The new labour codes, which were implemented from 1 April, have introduced significant changes to provident fund, salary and gratuity payments among others. Under the new labour codes, the Centre…
Loan against PPF: What is it? Who can avail loan against Public Provident Fund? Interest rates and how to repay
A Public Provident Fund (PPF) account is one of the most tax-friendly savings instruments for long term savings as you do not have to pay any taxes on interest and…
How to position your portfolio for resilience in volatile times
A portfolio is built around a family’s risk profile, return expectations, time horizon, liquidity needs, taxation and diversification. In that sense, it is purpose-built, designed for specific outcomes rather than…
How to plan summer holidays amidst soaring airfares due to West Asia war
This year’s summer holidays are not a simple beach-versus-mountains or Eiffel Tower versus Burj Khalifa decision. Instead, the West Asia war is likely to shape where you travel and how…
PPF: Can a Public Provident Fund account be closed prematurely?
Offering a 7.1% tax-free interest rate, the Public Provident Fund (PPF) stands as one of the most lucrative fixed-income avenues for investors. It is primarily engineered as a secure, long-term…
From pension disbursal system to auto settlement, how EPFO 3.0 reforms have improved user experience
To modernize its digital framework and operational procedures, the Employees’ Provident Fund Organisation introduced the EPFO 3.0 initiative in 2025. Recently, Shobha Karandlaje, Minister of State for Labour and Employment,…
8th Pay Commission: From old pension scheme to improved questionnaire – full list of demands by Govt staff body
The Staff Side of the National Council (Joint Consultative Machinery – NC JCM) has written to the , raising concerns about the current process for submitting memorandums. In the letter,…
The first 30 days of FY27: 7 smart money moves to make in April
Fast-forward a few months, and March often turns into a scramble—last-minute tax-saving, hurried investment decisions, and a feeling that things could have been handled better. But right now, in April,…