What RBI’s New Bulk Deposit Rules Mean The RBI’s revised deposit rules, effective October 1, 2026, require banks to publish bulk deposit rates daily, maintain uniform pricing for comparable deposits, and allow different rates based on liquidity risk. RBI Bulk Deposit Rules 2026: What Changes From October 1 The RBI bulk deposit rules 2026 will introduce stricter disclosure requiremen

Why Filing ITR Matters Even When No Tax Is Payable Filing an income tax return can remain useful even when your final tax liability is zero. A timely ITR may help you claim excess TDS, carry forward eligible investment losses, document your income, and support future loan or visa applications. Benefits of Filing ITR With Zero Tax: 5 Reasons It Matters The benefits of filing ITR with zer

Documents Needed After Changing Jobs Taxpayers who changed jobs during FY 2025-26 must combine salary and TDS details from every employer. They should also verify AIS and Form 26AS and collect records related to bank interest, rent, home loans and capital gains before filing their return. Changed Jobs This Year? Keep These Papers Ready for ITR Filing New Delhi, July 28, 2026: ITR filing after a job change in

New vs Old Tax Regime for ₹13 Lakh Salary Explained A salaried person earning ₹13 lakh in FY 2025-26 may pay substantially less tax under the new regime. A corrected comparison for AY 2026-27 shows how the ₹75,000 standard deduction and Section 87A marginal relief change the final liability and regime choice.   ₹13 Lakh Salary Tax in 2026: Which Regime Is More Beneficial? A salaried taxpayer earning ₹13 lakh annually

New EPFO Portal: PF Claims, Balance Check To Get Faster For Employees The new EPFO portal is expected to make PF claims, balance checks, and claim tracking faster for employees by bringing key provident fund services under a centralised digital system. The upgrade is aimed at reducing delays, cutting manual work, and making EPFO services easier to access for millions of members. New EPFO Portal Brings Services Under One Platform

July 1 Financial Changes: ITR Deadline, Aadhaar Update, Passport Fees And Credit Card Rules Several important financial changes have come into effect from July 1, 2026, and many of them directly affect Indian households, taxpayers, bank customers, and credit card users. From income tax return filing deadlines to Aadhaar email updates, passport fee hikes, fuel price cuts, and revised card benefits, these new money rules are worth checking before making financial de

RBI Bank Mis-Selling Rules 2027: What Customers Must Know From January 1, 2027, bank customers in India will get stronger protection against forced insurance sales, hidden charges, confusing consent screens, and manipulative app pop-ups. The Reserve Bank of India has issued new directions to stop commercial banks from pushing financial products that customers did not ask for or may not need.

RBI Reviews Plastic Currency Notes Plan For India RBI Governor Sanjay Malhotra says polymer currency notes are under review, but no final decision has been taken yet. India’s currency system may see a major material change in the future, as RBI Governor Sanjay Malhotra said the proposal to introduce polymer, or plastic, currency notes is under consideration. He clarified that no final decision has been taken yet and the RBI is still examining the pros

Anupam Mittal’s Twice-A-Month Salary Idea Starts Fresh Payroll Debate In India Anupam Mittal’s suggestion to pay salaries twice a month has triggered debate over employee cash flow, financial stress, and payroll challenges in India. Anupam Mittal’s suggestion that Indian companies should consider paying salaries twice a month has started a fresh debate on how employees receive their monthly income. The idea sounds simple. Instead of waiti

Gratuity Or Pay Hike: A Common Career Decision Many Indian employees face this confusion when they are close to completing five years of service: should they secure gratuity first or move ahead with a better job offer? The answer depends on the gratuity amount, the salary hike, and the long-term value of the new role. Gratuity is usually linked to continuous service and can become a useful lump-sum benefit for salaried workers. Why Employees Pre

In a country where income levels vary dramatically across cities, professions, and lifestyles, earning ₹70 lakh per year sounds impressive. Yet in today’s economic landscape, a pressing question arises: does a ₹70 lakh annual salary make someone truly affluent, or does it still place them within India’s expanding middle class? The answer is far from straightforward. Redefining Middle Class in Modern India Tradition

Personal loans for holidays are gaining popularity in India, particularly among younger travelers and residents of smaller cities. According to a recent report, 27% of personal loan borrowers used the funds for travel, marking a noticeable rise from previous years. This surge in demand has pushed holiday loans ahead of other personal loan categories, such as home renovation loans. The trend is being largely driven by Tier-2 and Tier-3 cities, which now account for a significant port