Daily money management tips like saving, budgeting, income planning, expenses control, and basic financial habits for beginners.
Earn ₹25,000 or less and wondering whether you now get a pension? On 12 October, EPFO put out a clarification on who is eligible for the Employees’ Pension Scheme (EPS) after the wage ceiling was raised from ₹15,000 to ₹25,000 a month. The short version: EPS eligibility now covers employees earning up to ₹25,000, subject…
Form 15G and Form 15H no longer stop TDS on your EPF withdrawal. From tax year 2026-27, the form you need is Form 121, a single declaration under the Income-tax Act, 2025 that replaces both. EPFO has said so on X, as Moneycontrol and The Economic Times reported on 9 October. If you filed a…
Three steps, in this order: complain to the insurer in writing, give it a month, then take it to the Insurance Ombudsman if the reply is a no or never comes. That is the free route for an insurance claim rejected, delayed or short-paid, and it works without a lawyer. Most people skip the first…
Most readers who write to us after a sale aren’t asking about the price they paid. They want to know where their cashback is. That question is worth settling before you check out in Big Billion Days 2026, which Flipkart opened to everyone on Friday 9 October. Instant discounts come off the bill straight away….
From Monday 12 October, the most an SBI credit card can take off a non-mobile order on Amazon falls from ₹1,500 to ₹1,250. On mobiles it falls from ₹1,000 to ₹750. The Amazon Great Indian Festival 2026 opened to everyone at midnight on 8 October and is still running today, 10 October, and the SBI…
Ankit, a 31-year-old software tester in Gurugram, had a generous Diwali week. His company gave him ₹12,000 in gift vouchers. Five college friends sent a total of ₹40,000 over UPI for his new flat. His mama, his mother’s brother, gave him a 10-gram gold coin worth about ₹1.4 lakh. Then, a few days later, another…
The Amazon Great Indian Festival 2026 opens to all customers on 8 October, and the main bank deal is a 10% instant discount on SBI credit cards, SBI debit cards and SBI credit card EMI, according to Amazon’s festival announcement. Early Deals are already live on Amazon.in. Amazon has also listed unlimited 5% cashback for…
October 2026 is the first full wage month under the new EPF wage ceiling of ₹25,000 a month, which took effect on 17 September 2026. For a large group of salaried employees, that means a bigger October salary PF deduction. If your provident fund contribution was capped at the old ₹15,000 ceiling and your PF…
The rupee fell 37 paise to close at a provisional 96.31 against the US dollar on Thursday, 1 October 2026, its weakest level in more than two months, PTI reported. It had settled at 95.94 on Wednesday. With banks and currency markets shut on 2 October for Gandhi Jayanti, Thursday’s close is the latest dollar…
From 1 October 2026, a resident individual or Hindu undivided family (HUF) buying property from a non-resident no longer needs a Tax Deduction and Collection Account Number (TAN) to handle the TDS. The buyer can now deduct, deposit and report TDS on property purchase from NRI sellers using their own PAN, through an amended Form…