It often begins with a small, almost forgettable decision—No grand strategy, no market timing. Just a quiet promise to stay consistent for 10 years. But somewhere along the way, a…
Category: Banking And Finance
New labour laws: Here’s how much your in-hand salary changes for ₹6 lakh CTC
The Indian government has implemented new labour laws from 1 April, with major focus towards helping salaried individuals save for their retired life. The biggest change for you is in…
PPF rules explained: Why your investment may stay locked in for more than 15 years
The Public Provident Fund () comes with a 15-year lock-in period, making it a popular choice for long-term savings. Backed by the government and offering assured returns, the scheme is…
Income below exemption limit? These 3 transactions make ITR filing compulsory
If you think you can skip filing your income tax return just because your income is below the basic exemption limit, you may want to pause for a moment. The…
Why SIPs should remain core to your personal finance strategy in 2026: 5 reasons investors are staying invested
In 2026, even as global and domestic markets, i.e., the Nifty 50 benchmark index, continue to swing under the weight of geopolitical tensions such as the US–Iran war and the…
Individual policy, family floater, or top-up: Which is the most cost-effective?
My employer provides a group health cover of ₹3 lakh for my family. My wife is covered separately under her employer’s group policy. We feel the combined cover is inadequate…
8th Pay Commission: NCJCM’s ₹69,000 basic pay proposal and 3.83 fitment factor explained
The National Council of Joint Consultative Machinery (NCJCM) has recently proposed a minimum basic pay of ₹69,000 for Group C employees under the upcoming 8th Pay Commission. This proposal is…
Consent-driven credit: Why consumer-controlled data is shaping the future of lending
The global financial system is moving towards stronger data privacy and customer control. People want to know how their data is used and who has access to it. In this…
New tax regime allows meal card benefit – 5 conditions to claim ₹200 per meal tax-free
The tax treatment of benefits has seen a major shift with the introduction of the latest income tax rules. From 1 April 2026, the tax-exempt limit on employer-provided meals has…