# पैसे Samjho > Smart Finance Ki Baat ## Posts - [आपका क्रेडिट स्कोर कम क्यों है? क्रेडिट स्कोर कैसे सुधारें?](https://paisesamjho.com/credit-score-kam-kyon-hai/): क्या आप घर खरीदने के लिए होम लोन लेने की प्लानिंग कर रहे हैं? बैंक गए, सारे डॉक्यूमेंट दिए, सैलरी भी ठीक-ठाक है… फिर भी लोन रिजेक्ट हो गया? अक्सर ऐसे मामलों में समस्या पैसे की नहीं होती, बल्कि क्रेडिट स्कोर की होती है। बहुत से लोगों को यह तक नहीं पता होता कि उनका... - [सुकन्या समृद्धि योजना (SSA) 2026 गाइड: कैलकुलेटर, ब्याज दर, जमा राशि आसान शब्दों में](https://paisesamjho.com/%e0%a4%b8%e0%a5%81%e0%a4%95%e0%a4%a8%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b8%e0%a4%ae%e0%a5%83%e0%a4%a6%e0%a5%8d%e0%a4%a7%e0%a4%bf-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-ssa/): सुकन्या समृद्धि योजना (Sukanya Samriddhi Yojana) भारत सरकार की एक खास बचत योजना है, जो बेटियों के भविष्य को सुरक्षित करने के लिए बनाई गई है। इस योजना की शुरुआत “बेटी बचाओ, बेटी पढ़ाओ” अभियान के तहत की गई थी।इस योजना में माता-पिता या अभिभावक अपनी बेटी के नाम पर खाता खोल सकते हैं और... - [India's Forex Reserves Fall $18.3 Billion to $747.6 Billion in Week to 25 September](https://paisesamjho.com/forex-reserves-fall-september-2026/): India’s forex reserves fell by $18.34 billion to $747.56 billion in the week ended 25 September 2026, according to the Reserve Bank of India’s weekly data released on Friday, 2 October. Business Standard, citing Bloomberg data, called it the biggest weekly fall on record. It was the third weekly decline in a row, after reserves touched $785.71 billion in the week ended 4 September. Most of the drop came from foreign currency assets, which fell $15.57 billion, while gold reserves fell $2.59 billion. The fall came as the rupee weakened past 96 per dollar. For Neha Kulkarni in Pune, whose son’s […] - [SEBI Orders Investor Awareness Messages on Broker Apps From 1 November; Revamps Letter-Check Tool](https://paisesamjho.com/sebi-broker-app-investor-messages/): SEBI has told every stock broker to display investor awareness messages supplied by the regulator on their websites from 5 October 2026, and on the landing page of their trading apps from 1 November. The circular, dated 1 October 2026, falls under Project Jagrook, SEBI’s investor education campaign, and comes ahead of World Investor Week 2026. The same day, SEBI said it has revamped its Document Number Verification System, the online tool for checking whether a letter or notice that claims to come from SEBI is genuine. The subject of the letter is now a mandatory field for verification. For Rohit […] - [Bank Locker Rules: What the Bank Pays If Your Locker Is Robbed, and When It Can Open It](https://paisesamjho.com/bank-locker-rules/): Meena Joshi rents a medium-sized locker at her bank’s branch in Jaipur for ₹4,000 a year plus GST. Inside are her wedding jewellery, which she values at about ₹12 lakh, her property papers and a few gold coins. Like many locker holders, she has never read the agreement she signed, and she assumes the bank would cover the full value if something went wrong. The bank’s liability is far narrower than that. This guide uses Meena’s locker to explain the bank locker rules RBI set out in its revised instructions, in force since 1 January 2022: what the bank owes you, […] - [Re-KYC and Account Freeze: Why Your Bank Blocked Withdrawals and How to Get Debits Back](https://paisesamjho.com/re-kyc-account-freeze/): Farida Khan, 54, a school clerk in Lucknow, tried to withdraw ₹20,000 from her savings account in August 2026 and was told at the counter that debits were blocked. Her salary had been credited two days earlier without trouble. The reason was a pending re-KYC: her account, opened in 2015, had fallen due for a KYC update, and the SMS reminders had gone to a phone number she no longer used. This guide uses Farida’s account to explain how often banks must update KYC, what notice they have to give, how a partial freeze works, and the quickest ways to get […] - [Nominee vs Legal Heir: Who Gets a Bank Account's Money After a Death, Under RBI's 2025 Rules](https://paisesamjho.com/nominee-vs-legal-heir-bank-account/): Sunil Rao, a retired railway employee in Nagpur, died in July 2026 at 68. He left ₹9 lakh in a savings account where his wife Lata was the registered nominee, and a ₹12 lakh fixed deposit he had opened years earlier without naming anyone. His son Arun assumed the whole amount would simply go to his mother. The bank’s answer was different for each account, and the reason is the difference between a nominee and a legal heir. This guide uses Sunil’s two accounts to explain nominee vs legal heir rights, the documents banks can ask for, the deadlines RBI now […] - [Cheque Bounce Rules: The 30-Day Notice, 15-Day Wait and Section 138 Deadlines Explained](https://paisesamjho.com/cheque-bounce-rules/): Kavita runs a small catering business in Pune. On 6 October 2026 she deposits a cheque for ₹85,000 from a corporate client, dated 5 October. The next evening her bank’s SMS says the cheque has been returned: “funds insufficient”. She has the cheque, a return memo and a client who has stopped answering calls. What she does in the next 30 days decides whether a cheque bounce stays a payment dispute or becomes a criminal complaint the client has to answer in court. This guide follows Kavita’s ₹85,000 cheque through the law and the bank’s process, with the exact deadlines she […] - [Are Banks Shut Every Saturday? PIB Calls Viral Gazette Fake as 5-Day Banking Talks Begin](https://paisesamjho.com/5-day-banking-saturday-holiday/): PIB Fact Check said on 1 October 2026 that a viral “gazette notification” declaring every Saturday a holiday for public sector banks is fake. Banks are open today, Saturday 3 October, and the rule from 2015 still applies: the second and fourth Saturday of each month are holidays, and the other Saturdays are working days. Separately, the committee set up to examine 5-day banking held its first meeting on Thursday, 1 October. That talk has not produced any decision yet, and no government notification on Saturdays has been issued. What the fake gazette claimed The document, shared widely on WhatsApp and […] - [Tax on Diwali Gifts 2026: The ₹50,000 Rule, the Relatives List and the ₹15,000 Voucher Limit](https://paisesamjho.com/tax-on-diwali-gifts/): 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 friend handed him ₹15,000 in cash. Of all these, the cash looks the smallest, yet it is the gift that changes his tax on Diwali gifts the most. The rules come from two places: the Income-tax Act, 2025, for gifts from people, and the Income-tax Rules, […] - [RD vs FD: Why a Recurring Deposit Earns Less Than an FD at the Same Rate](https://paisesamjho.com/rd-vs-fd/): Priya, 29, a teacher in Indore, can save ₹10,000 a month. Her brother Rohan has ₹1.2 lakh sitting in his savings account. Both go to SBI on the same day in October 2026. Priya opens a 12-month recurring deposit, Rohan books a one-year fixed deposit, and both get the same 6.25% rate. A year later, both have put in ₹1.2 lakh, yet Rohan earns almost twice as much interest. That gap is the heart of the RD vs FD choice, and it comes entirely from timing, since the rate is identical. Why Rohan’s FD earns more at the same rate Most […] - [Loan Settlement vs Closure: What a 'Settled' Remark Does to Your CIBIL Report](https://paisesamjho.com/loan-settlement-cibil/): Neha lost her job in Pune in March 2026 with ₹3.2 lakh still outstanding on a personal loan. By August the bank’s recovery team was offering a one-time settlement: pay ₹1.9 lakh and the bank would give up the remaining ₹1.3 lakh. It sounds like a clean exit. The catch is what a loan settlement leaves on the credit report, and how that differs from a loan that is fully closed. This guide follows Neha’s offer through RBI’s settlement rules, the settled vs closed difference on a CIBIL report and the steps that can turn one into the other. If her […] - [SMA and NPA Explained: What Happens on Day 31, 61 and 91 After a Missed EMI](https://paisesamjho.com/sma-npa-missed-emi/): Suresh runs a hardware shop in Jaipur and pays a car loan EMI of ₹21,500 on the 10th of every month. In June 2026 a supplier paid him late and the EMI bounced. Nothing seemed to happen that week, but the bank’s system had already started counting. That count decides when his loan moves through the SMA and NPA stages, and the dates are set by RBI rules, so you can work them out before the bank’s letter reaches you. This guide uses Suresh’s loan to show what happens on each day after a missed EMI, how a cash credit limit […] - [Personal Loan for Diwali 2026: Bank Rates From 9.99%, Processing Fees and Cheaper Alternatives](https://paisesamjho.com/personal-loan-for-diwali/): Personal loan interest rates at India’s large banks start at 9.99% a year at ICICI Bank and Axis Bank, 10.00% at SBI, 10.50% at HDFC Bank and 10.99% at Kotak Mahindra Bank, according to their websites on 3 October 2026. Those are starting rates. The average rate ICICI Bank actually charged on personal loans disbursed in April to June 2026 was 11.45%, SBI’s mean for the same quarter was 11.54%, and Axis Bank’s was 13.07%. If you are weighing a personal loan for Diwali, the rate you are offered, the processing fee and the timing around RBI’s 7 October policy decision […] - [Best Credit Card for Online Shopping in 2026: Cashback on Amazon, Flipkart and Swiggy Compared](https://paisesamjho.com/best-credit-card-online-shopping/): Two colleagues in Bengaluru spend about the same every month: around ₹12,000 online across Amazon, Flipkart and a few other sites, and another ₹8,000 in shops. One earns roughly ₹440 a month back on her card. The other earns ₹680 on his. The difference is the card, and in a festive month, when that ₹12,000 can double, the gap grows with it. There is no single best credit card for online shopping for everyone. The right card depends on where you shop, how much, and whether the cashback is capped. This guide compares six popular cashback cards using the features printed […] - [No Cost EMI Explained: Processing Fee, GST on Interest and the Discount You May Lose](https://paisesamjho.com/no-cost-emi-hidden-charges/): Riya bought a ₹30,000 phone last Diwali on a six-month no cost EMI. She expected six bills of ₹5,000 each. Her first credit card statement showed ₹5,000, plus a processing fee, plus GST on that fee, plus a smaller GST line she couldn’t place. None of it was large. All of it surprised her, because the checkout page had said “No Cost”. That is how no cost EMI works for most buyers. The bank still charges interest; the seller or brand gives you a discount equal to that interest, so your instalments add up to the listed price. The extras come […] - [Amazon Great Indian Festival 2026 Bank Offers: 10% Off on SBI Cards From 8 October, Plus ICICI and Pay Later Cashback](https://paisesamjho.com/amazon-great-indian-festival-2026/): 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 Prime members on the Amazon Pay ICICI Bank credit card, 10% cashback on a range of Amazon Pay Later purchases, and up to 10% extra savings for Prime members on select offers. What Amazon has not published yet is the maximum discount per SBI card or […] - [GST Council Meeting on 7 October: What to Expect From the 57th Meeting, From ITC on Group Insurance to GST on UPI MDR](https://paisesamjho.com/gst-council-meeting-october-2026/): The 57th meeting of the GST Council will be held on Wednesday, 7 October 2026, in New Delhi from 11 AM, according to a GST Council Secretariat office memorandum dated 6 September that moved it from 12 September. Officers will meet on 5 and 6 October, and the final agenda has not been made public. Reports ahead of the GST Council meeting on 7 October point to process changes rather than new tax rates: unblocking input tax credit (ITC) on group insurance and some other business costs, faster refunds, simpler registration for small online sellers, and a possible review of the […] - [Upcoming IPO October 2026: Carlsberg India, TMC Transformer, Matangi Rubber, Ujin Pharma Get SEBI Nod; No New Mainboard Issue Next Week](https://paisesamjho.com/upcoming-ipo-october-2026/): SEBI has issued observations on the draft IPO papers of Carlsberg India, TMC Transformer, Matangi Rubber and Ujin Pharma, The Economic Times reported on 1 October 2026, which allows the four companies to launch public issues subject to market conditions. None has announced dates or a price band, and the upcoming IPO October 2026 calendar for next week (5 to 9 October) shows no new mainboard issue opening, according to Chittorgarh’s IPO tracker on 2 October. Four mainboard IPOs from last week are due to list instead. Markets are shut today for Gandhi Jayanti and reopen on Monday, 5 October. Four […] - [Car Sales September 2026: Passenger Vehicle Wholesales Up 21.4% to 4.63 Lakh; Maruti Up 36.9%, Kia Posts Record](https://paisesamjho.com/car-sales-september-2026/): Domestic passenger vehicle (PV) wholesales rose 21.4% to 4,63,081 units in September 2026 from 3,81,435 a year earlier, Business Standard reported on 1 October, with a weak base doing much of the work. Company-wise car sales September 2026 figures show Maruti Suzuki’s domestic PV wholesales up 36.9% at 1,81,838 units, Tata Motors and Mahindra & Mahindra up in the mid-teens, and Kia India posting its highest monthly total since entering India. These are wholesale numbers, meaning vehicles dispatched from factories to dealers, and not registrations by buyers. Car sales September 2026 by company Carmaker September 2025 September 2026 Change Maruti Suzuki […] - [GST Collection September 2026: Gross GST Rises 14.7% to ₹2.04 Lakh Crore; Import GST Up 25.9%](https://paisesamjho.com/gst-collection-september-2026/): Gross GST revenue rose 14.7% to ₹2,03,521 crore, or about ₹2.04 lakh crore, in September 2026, from ₹1,77,365 crore a year earlier, according to provisional data released on 1 October. Provisional data on GST collection September 2026 also show GST on imports up 25.9% at ₹65,525 crore, against 10.1% growth in gross domestic revenue to ₹1,37,996 crore. Refunds fell 3% to ₹27,001 crore, so net GST revenue rose faster, by 18.1% to ₹1,76,520 crore. The figures come from the official revenue report on the GST portal, which notes that they are provisional and may change slightly on finalisation. GST collection September […] - [Dhanteras 2026 Gold: Festival on 6 November, Gold at ₹1.48 Lakh per 10 g, and What Jewellers Expect](https://paisesamjho.com/dhanteras-2026-gold/): Dhanteras falls on Friday, 6 November 2026, and buyers are heading into the festival with gold well below its early-2026 peak. India Bullion and Jewellers Association (IBJA) data show 24-carat (999) gold at ₹1,48,138 per 10 grams at the 1 October closing, before GST and making charges. This guide covers the Dhanteras 2026 gold calendar, where prices stand, what jewellers told The Indian Express they expect from the festive season, and how coins, jewellery, ETFs and digital gold compare. There is no fresh benchmark today. IBJA’s site shows a holiday for 2 October (Gandhi Jayanti), so the 1 October rates remain […] - [October Salary PF Deduction Goes Up: EPF Wage Ceiling of ₹25,000 Can Cut Take-Home Salary by Up to ₹1,200 a Month](https://paisesamjho.com/pf-deduction-october-salary/): 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 wages are ₹25,000 or more, your own 12% share rises from ₹1,800 to ₹3,000, which leaves ₹1,200 a month less in hand. Employees who were already contributing on their actual basic pay see no change in their own deduction. The Union Cabinet approved the revision on […] - [Dollar to Rupee Today: Rupee Slips to 96.31, Two-Month Low; What It Means for Travel, Overseas Fees and NRIs](https://paisesamjho.com/dollar-to-rupee-today/): 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 to rupee today rate, and the next trading session is on Monday, 5 October. The rupee opened at 95.95 on Thursday and touched an intraday low of 96.34 before closing at 96.31, according to PTI’s report in The Hindu. BusinessLine put the close at 96.3150, down […] - [Should You Stop SIP Investments When the Market Falls? Nifty Down 8 Weeks: Pause, Continue or Exit](https://paisesamjho.com/should-you-stop-sip/): Ritu, a 32-year-old in Pune, started a ₹10,000 monthly SIP in a Nifty 50 index fund early this year. Her latest statement shows the investment below what she has put in, and this week she asked a colleague whether she should stop SIP payments until the market recovers. Many investors are asking the same thing after the Nifty 50 fell for an eighth straight week, its longest losing run since 2001, according to The Economic Times. The answer usually turns on your own cash flow, debts and goals. This guide looks at what the current fall looks like in numbers, how […] - [RBI Policy October 2026: 8 of 10 Economists Expect First Repo Rate Hike Since 2023, to 5.50%, on 7 October](https://paisesamjho.com/rbi-policy-october-2026/): Eight of 10 economists polled by Business Standard expect the Reserve Bank of India to raise the repo rate by 25 basis points, from 5.25% to 5.50%, when its Monetary Policy Committee (MPC) announces the RBI policy October 2026 decision on Wednesday, 7 October. The poll, published on 2 October, comes after retail inflation rose to 4.82% in August. If the MPC goes ahead, it would be the first repo rate hike since February 2023. The repo rate has been held at 5.25% for the last four policy reviews, after cumulative cuts of 125 basis points in 2025, Business Standard noted. […] - [Petrol Diesel Price Hike Coming? Rates Unchanged on 1 October 2026 as Oil Companies Lose ₹8–9 a Litre; ATF Up ₹16](https://paisesamjho.com/petrol-diesel-price-hike/): Petrol and diesel prices were left unchanged on 1 October 2026, with petrol at ₹102.12 a litre and diesel at ₹95.20 in Delhi, according to retail price data published by the Petroleum Planning and Analysis Cell (PPAC). On the same day, oil companies raised the price of aviation turbine fuel (ATF) for domestic airlines by ₹16 to ₹137 a litre. No petrol diesel price hike has been announced, but rating agency ICRA estimates that state-run oil marketing companies are losing ₹8 a litre on petrol and ₹9 on diesel. The petrol price in Delhi and other cities has not moved since […] - [Sensex Today: Sensex Falls 570 Points to 71,910 on 1 October 2026; Nifty Losing Streak Hits 8 Weeks, Longest Since 2001](https://paisesamjho.com/sensex-today-1-october/): The Sensex today, Thursday 1 October 2026, fell 570.59 points, or 0.79%, to close at 71,909.70, after touching an intraday low of 71,292.88. The Nifty 50 lost 198.50 points, or 0.88%, to end at 22,421.95. Auto stocks led the fall, while IT was the only sector index to rise, BusinessLine and India Today reported. Friday is a market holiday for Gandhi Jayanti, so this close stands until trading resumes on Monday, 5 October. The holiday-shortened week also extended the Nifty losing streak to eight straight weeks, the longest run of weekly declines since 2001, according to The Economic Times. The index […] - [Stock Market Holiday Today: NSE, BSE Closed on 2 October 2026 for Gandhi Jayanti; MCX Shut, Trading Resumes Monday](https://paisesamjho.com/stock-market-holiday-today-2-october/): The NSE and BSE are closed on Friday, 2 October 2026, for Mahatma Gandhi Jayanti, so the stock market holiday today means no trading in equities or equity derivatives. NSE’s trading holiday circular for 2026 (Circular 172/2025, dated 12 December 2025) lists 2 October as holiday number 11 of 15 for the year. The commodity exchange MCX is also shut for both its sessions. Regular trading resumes on Monday, 5 October. The last session before the break was Thursday, 1 October, when the Sensex fell 570.59 points to 71,909.70 and the Nifty 50 lost 198.50 points to 22,421.95, according to BusinessLine. […] - [How to Close a Credit Card: RBI's 7-Day Rule, ₹500-a-Day Penalty and the CIBIL Impact](https://paisesamjho.com/how-to-close-credit-card/): A bank or card company must close your credit card within seven working days of your request once all dues are paid, and pay you ₹500 for every calendar day of delay after that. It cannot make you send the request by post, and it must tell you by email or SMS once the card is closed. These are Reserve Bank of India rules, and knowing them makes it much easier to work out how to close a credit card without being stuck on hold or charged an annual fee for a card you no longer use. Learning how to close […] - [How Much Term Insurance Cover Do You Need? Income Multiple, HLV and Needs Method With an Example](https://paisesamjho.com/how-much-term-insurance-cover/): Rahul is 32, earns ₹12 lakh a year and has a wife, a two-year-old daughter and a ₹40 lakh home loan. His employer gives him group life cover of ₹36 lakh, and he assumes that is enough. It isn’t. If he died tomorrow, the loan alone would take more than the entire payout, and his family’s living costs for the next 25 years would be left uncovered. Working out how much term insurance cover you need takes about 20 minutes and three simple methods, and this guide goes through each of them using Rahul’s numbers. A term plan pays a fixed […] - [SBI ATM Charges From 1 October 2026: Salary Accounts Get Only 5 Free Other-Bank ATM Transactions](https://paisesamjho.com/sbi-atm-charges-october-2026/): From 1 October 2026, State Bank of India salary package account holders get only 5 free transactions a month at other banks’ ATMs, down from 10. The cap applies at all centres and counts cash withdrawals and non-financial transactions such as balance enquiries together, according to an SBI public notice listed on the bank’s service charges page. SBI ATM charges beyond the free limit are unchanged at ₹23 plus GST per cash withdrawal and ₹11 plus GST per non-financial transaction. Transactions at SBI’s own ATMs, cardless cash withdrawals and customers with other types of savings accounts are not affected by this […] - [Nityas Gems IPO and Vishal Nirmiti IPO: Price Band, Day 1 Subscription Status, Conflicting GMP](https://paisesamjho.com/nityas-gems-vishal-nirmiti-ipo/): The Nityas Gems IPO was subscribed 0.20 times on its first day, 30 September 2026, with retail investors bidding for 0.52 times the shares reserved for them, according to HDFC Sky’s end-of-day data. The Vishal Nirmiti IPO, which opened the same day, was subscribed 0.05 times by 5 PM, Capital Market reported. Both issues close on Monday, 5 October, and are scheduled to list on BSE and NSE on 8 October. Nityas Gems IPO and Vishal Nirmiti IPO at a glance Detail Nityas Gems and Jewellery Vishal Nirmiti Issue size About ₹108.4 crore (fresh issue only) About ₹178 crore (₹145 crore […] - [AC Price Hike October 2026: Haier, Blue Star, LG, Voltas Raise Prices; TVs Up to 20% Costlier](https://paisesamjho.com/ac-tv-price-hike-october-2026/): Air-conditioners get costlier from Thursday, 1 October 2026. Haier, LG, Voltas and Blue Star are raising AC prices by 5–8%, BusinessLine reported on 26 September, and several makers are also raising prices of LED TVs, washing machines and refrigerators. The AC price hike October 2026 comes just before Dhanteras on 6 November and Diwali on 8 November. It will not reach every shop shelf straight away: Godrej says dealers are holding roughly a month’s stock bought at the old prices. AC price hike October 2026: who is raising prices and by how much Company Products Hike What was said Haier ACs […] - [TDS on Property Purchase from NRI: No TAN Needed from 1 October 2026, How Form 141 Works](https://paisesamjho.com/tds-property-purchase-from-nri/): 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 141 with a new Schedule E, and then issue Form 132 to the seller as the TDS certificate. The change comes from CBDT Notification No. 121/2026 (G.S.R. 830(E)) dated 22 September 2026, which notifies the Income-tax (Fifth Amendment) Rules, 2026. The obligation itself is unchanged: the […] - [Gold Price Today 30 September 2026: IBJA 24K at ₹1,47,888, Silver Slips to ₹2,20,435](https://paisesamjho.com/gold-silver-price-today-30-september/): IBJA’s benchmark 999 gold closed at ₹1,47,888 per 10 grams on Wednesday evening, 30 September 2026, up ₹221 from ₹1,47,667 on Tuesday evening, while silver 999 fell ₹1,165 to ₹2,20,435 per kg. The gold price today had opened higher, with the India Bullion and Jewellers Association’s morning rate at ₹1,48,379, before easing by the evening fix. IBJA rates exclude 3% GST and making charges. Gold price today: IBJA rates for 30 September Purity 30 Sep morning 30 Sep evening 29 Sep evening Change (evening) Gold 999 (24K), per 10 g ₹1,48,379 ₹1,47,888 ₹1,47,667 +₹221 Gold 995, per 10 g ₹1,47,785 ₹1,47,296 […] - [Home Loan EMI After RBI Rate Hike: How Much More You Pay on ₹30 Lakh, ₹50 Lakh and ₹75 Lakh](https://paisesamjho.com/home-loan-emi-rbi-rate-hike/): A ₹50 lakh home loan at 7.5% for 20 years costs ₹40,280 a month. If the Reserve Bank of India raises the repo rate by 25 basis points on 7 October and the bank passes it on in full, the same EMI becomes ₹41,047. That ₹767 difference is the smallest version of the home loan EMI after RBI rate hike question borrowers are now asking, because some economists expect more than one hike. The repo rate is 5.25% today, as shown on the RBI website. This guide shows how much EMIs rise on ₹30 lakh, ₹50 lakh and ₹75 lakh loans […] - [Sensex Today: Sensex Ends at 72,480, Nifty at 22,620 on 30 September; Market Down Nearly 6% in September](https://paisesamjho.com/sensex-today-30-september/): The Sensex today fell 48.78 points, or 0.07%, to close at 72,480.29 on Wednesday, 30 September 2026, and the Nifty 50 lost 95.75 points, or 0.42%, to end at 22,620.45. It was the third straight losing session for both indices. The Sensex had been up as much as 533.16 points at a high of 73,062.23 before last-hour selling in metal and pharma shares wiped out the gains, PTI reported. Wednesday was also the last trading day of September and of the July–September quarter. Over the month, the Sensex lost 4,476.98 points, or 5.81%, and the Nifty dropped 1,459.95 points, or 6%, […] - [Post Office Interest Rates October 2026: SCSS, Sukanya at 8.2%, PPF 7.1%, All Unchanged](https://paisesamjho.com/post-office-interest-rates-october-2026/): The Finance Ministry on 30 September 2026 left every small savings rate unchanged for the October–December quarter, so post office interest rates October 2026 stay exactly where they were in July–September. The Senior Citizens’ Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) continue at 8.2%, the Public Provident Fund (PPF) at 7.1% and the National Savings Certificate (NSC) at 7.7%. The Department of Economic Affairs issued the decision through Office Memorandum F.No.1/4/2019-NS dated 30 September, covering 1 October to 31 December 2026, and India Post circulated it to all post offices the same day as SB Order No. 12/2026. Rates on […] - [Tax Audit Deadline Extended to 21 October 2026; ITR Due Date for Audit Cases Now 21 November](https://paisesamjho.com/tax-audit-deadline-extended/): The Central Board of Direct Taxes (CBDT) on 28 September 2026 extended the due date for filing tax audit reports for assessment year 2026-27 from 30 September to 21 October 2026, and the income tax return deadline for these audit cases from 31 October to 21 November 2026. The tax audit deadline extended announcement came in a press release two days before the original date, and the formal order was to be issued separately. CNBC-TV18, the Times of India and professional sites including CAclubindia reported the same dates. As of 29 September evening, we had not seen the formal notification on […] - [Car Loan Interest Rate 2026: Lowest Bank Rates, EMIs and Fees Compared](https://paisesamjho.com/car-loan-interest-rate/): Priya and her husband have picked a ₹10 lakh hatchback for Navratri delivery, and the dealer’s finance desk has already quoted them 9.5%. Their own bank’s website shows a car loan interest rate starting at 7.6%. The difference between the two, on a five-year loan, is close to ₹1,000 a month and more than ₹50,000 over the tenure. Most car buyers sign at the dealer’s desk anyway, because the paperwork is ready and the car is waiting outside. This guide lays out what banks are charging in the second half of September 2026, how much the EMI changes between the cheapest […] - [How Much Gold Can You Keep at Home? Limits, Inherited Jewellery and No-Bill Buying](https://paisesamjho.com/how-much-gold-at-home/): With the wedding season starting in mid-October and gold still near ₹1.48 lakh per 10 grams, two questions are coming up again: how much gold can you keep at home, and is it safe to buy jewellery without a bill? On 29 September 2026, Mint, citing Bloomberg, reported that some jewellers are offering cash buyers discounts of ₹5,000 to ₹10,000 per 10 grams for deals without an invoice, and up to about 6% on bulk purchases. The same day, Business Standard reported on how families can prove that jewellery was inherited, citing a Kolkata ITAT ruling that accepted over 3.2 kg […] - [Tax on Lottery Winnings: Why the ₹30 Crore Onam Bumper Prize Shrinks to ₹16.47 Crore](https://paisesamjho.com/tax-on-lottery-winnings/): The ₹30 crore first prize in Kerala’s Thiruvonam Bumper BR-111 lottery, drawn on 26 September 2026, will shrink to roughly ₹16.47 crore in the winner’s hands once the agent’s commission and the tax on lottery winnings are taken out. The winning ticket, TL 360615, was sold by a vendor in Taliparamba in Kannur district, according to Onmanorama and Mathrubhumi. The winner had not been identified publicly as of 29 September. Kerala printed about 90 lakh tickets at ₹500 each for this draw, a turnover of around ₹450 crore. Different outlets have quoted different take-home figures, from about ₹15.5 crore to over […] - [NPS Swasthya Launches 1 October: Health Cover, 25% Withdrawal and Costs Explained](https://paisesamjho.com/nps-swasthya/): NPS Swasthya, the Pension Fund Regulatory and Development Authority’s new health-linked product under the National Pension System, is set to be launched on Thursday, 1 October 2026, which PFRDA marks as NPS Diwas. Finance Minister Nirmala Sitharaman is expected to launch it, according to Mint and Business Standard. PFRDA’s operational guidelines, issued on 18 September 2026, describe a separate NPS Swasthya investment account paired with a compulsory super top-up family floater health policy. Subscribers can withdraw up to 25% of their own contributions to pay medical bills, with no waiting period and no cap on the number of withdrawals. Premiums and […] - [Sensex Today: Sensex Slips 242.65 Points to 72,529, Nifty 50 Ends at 22,716](https://paisesamjho.com/sensex-today-29-september/): The Sensex fell 242.65 points, or 0.33%, to close at 72,529.07 on Tuesday, 29 September 2026, while the Nifty 50 lost 64.05 points, or 0.28%, to end at 22,716.20. It was the second straight losing session. The Sensex had been down as much as 707.72 points at the day’s low of about 72,064 before buying in metal and pharma stocks cut the loss, according to PTI reports carried by the Times of India and BusinessLine. On Monday, both indices had fallen more than 1.5%, with the Nifty closing at its lowest level since early April. Sensex today: closing numbers Index Close, […] - [Gold and Silver Price Today: Second Day of Falls on 29 September, IBJA Rates](https://paisesamjho.com/gold-silver-price-today-29-september/): Gold and silver fell for a second straight session on Tuesday, 29 September 2026. The India Bullion and Jewellers Association (IBJA) closing rate for 24-carat gold was ₹1,47,667 per 10 grams, down ₹313 from Monday, and 999 silver closed at ₹2,21,600 per kg, down ₹1,453. The declines were far smaller than Monday’s 4% crash in silver, but they took the two-day loss to about ₹4,450 per 10 grams for gold and ₹10,750 per kg for silver. Here is the gold and silver price today in detail, what moved the market and what it means for festive buyers. Gold and silver price […] - [UPI MDR Supreme Court: No Stay on 0.4% Merchant Charge From 15 October](https://paisesamjho.com/upi-mdr-supreme-court/): The Supreme Court on 28 September 2026 declined to stay the new 0.4% merchant discount rate (MDR) on UPI payments above ₹2,000, which is due to take effect on 15 October. In the UPI MDR Supreme Court hearing, a bench of Chief Justice Surya Kant and Justices Joymalya Bagchi and V Mohana issued notice to the Centre, the Reserve Bank of India and the National Payments Corporation of India, and asked them to file their replies within four weeks, according to the Times of India and India Today. The charge is capped at ₹300 per transaction. On top of it, 18% […] - [PF Withdrawal Rules 2026: How Much EPF You Can Withdraw Under the New Scheme](https://paisesamjho.com/pf-withdrawal-rules/): Ravi, 31, has ₹4 lakh in his EPF account and a sister’s wedding in December. Two years ago he would have had to work out which of a dozen withdrawal categories applied, how many years of service each needed and what share of which balance he could touch. Under the PF withdrawal rules in the new Employees’ Provident Funds Scheme, 2026, the answer is shorter: ₹1 lakh stays locked as a minimum balance, and he can take up to ₹3 lakh for the wedding. That is the core of the new system, and it applies to every EPF member. The Labour […] - [Jeevan Pramaan 2026: Pensioners Aged 80+ Can Submit Life Certificate From 1 October](https://paisesamjho.com/jeevan-pramaan-life-certificate/): Pensioners aged 80 and above can submit their annual life certificate, including a digital Jeevan Pramaan, from Thursday, 1 October 2026. Everyone else gets the usual November window, with 30 November as the last date. The October head start comes from a standing Department of Pension and Pensioners’ Welfare (DoPPW) order of 18 July 2019, and it applies again this year: the Economic Times and Mint both reported on 29 September that the 1 October window for super-senior pensioners is open as usual. A certificate submitted in this cycle stays valid until 30 November of the following year. DoPPW had not […] - [Gold Loan Guide 2026: Per-Gram Amount, RBI LTV Rules and What a Price Fall Means](https://paisesamjho.com/gold-loan-guide-2026/): My uncle in Coimbatore has taken a gold loan every Diwali for as long as I can remember. He pledges a couple of bangles in October, pays for the festival and a few gifts, and gets them back by February when his crop money comes in. He’s always treated it as the most sensible loan there is: cheap, fast and no questions asked. This year two things have changed. The RBI’s new gold loan rules are fully in force from April 2026, and gold prices just had their sharpest fall in weeks. Both affect how much you can borrow and what […] - [Bank Account Debit Hold RBI Draft: 60-Day Cap on Money-Mule Freezes Explained](https://paisesamjho.com/bank-account-debit-hold-rbi/): A friend who teaches tuition in Bhopal got a nasty surprise in June, the kind of surprise the new bank account debit hold RBI draft is trying to fix. A parent paid her fees by UPI, and two days later her bank froze ₹18,000 in her savings account. Nobody called. She found out when her debit card was declined at a medical store. It took her five weeks, three branch visits and a letter from the local cyber cell to get the money released. The parent, it turned out, had been a victim of a fraud further up the chain, and […] - [Income Tax Refund Status AY 2026-27: Refund Not Received? Reasons and Fixes](https://paisesamjho.com/income-tax-refund-status/): A reader from Nagpur wrote to us last week. She filed her return in July, e-verified it the same day, and her income tax refund status still said “processed” with no money in her account nine weeks later. Her colleague, who filed a week after her, got his refund in August. She wanted to know if she’d done something wrong. As it turned out, her refund had failed because the bank account she’d listed had been closed after a branch merger. The fix took ten minutes once she knew where to look. If you’re in a similar spot for AY 2026-27, […] - [Big Billion Days 2026 Bank Offers vs Amazon SBI Deal: Which Card Saves More?](https://paisesamjho.com/big-billion-days-2026-bank-offers/): Every October my cousin in Jaipur does the same thing. He opens both apps, puts a phone in the cart on each, and then spends two evenings asking the family group which card gives the bigger discount. This year he’s already started, and the question is Big Billion Days 2026 bank offers versus Amazon’s SBI deal. Both sales kick off within a day of each other, on 8 and 9 October, and both are pushing 10% instant discounts through partner banks. The catch is in the fine print, and in what happens to your credit card bill in November. This piece […] - [Child Aadhaar Biometric Update: Free Till 30 September, ₹125 Fee From 1 October](https://paisesamjho.com/child-aadhaar-biometric-update/): Last week my sister called me from Lucknow, a little rattled. Her son’s school had sent a WhatsApp note saying his Aadhaar “biometrics were pending” and that the free window closes on 30 September. He’s nine. She had no idea anything was due, because nobody had asked for his fingerprints when they made his Aadhaar as a toddler. If that sounds like your house too, here’s what you need to know about the child Aadhaar biometric update: who needs it, what it costs after 30 September 2026, and how to get it done in the next two days without losing a […] - [Home Loan Eligibility by Salary: How Much Loan on ₹30,000, ₹50,000 or ₹1 Lakh?](https://paisesamjho.com/home-loan-eligibility-by-salary/): Rahul, a software tester in Pune, earns ₹50,000 a month in hand and has been eyeing a 2BHK in Wakad that costs about ₹55 lakh. A friend told him “banks give 60 times your salary”. Another said “you’ll barely get ₹25 lakh”. Both were sort of guessing. Your home loan eligibility isn’t a fixed multiple of salary. It depends on how much EMI a bank thinks you can afford each month, the interest rate, the tenure, your credit score and what other loans you’re already paying. Once you understand that, you can work out a realistic number yourself in about five […] - [Silver Price Today Crashes 4%: Why Gold and Silver Fell on 28 September](https://paisesamjho.com/silver-price-today-gold-crash/): If you checked the silver price today and thought your app had glitched, it hadn’t. Silver had its worst day in a while on Monday, 28 September 2026. The India Bullion and Jewellers Association (IBJA) closing rate for 999 silver came in at ₹2,23,053 per kg, down ₹9,297 from Friday’s close of ₹2,32,350. That’s a fall of about 4% in a single session. Gold slid too, and slipped below the ₹1.5 lakh mark that everyone had been talking about for weeks. If you were planning to buy a silver coin or a pair of payal for Dhanteras, this is worth a […] - [Bank Strike Called Off: UFBU Defers 28-30 September 2026 Nationwide Strike After IBA Talks](https://paisesamjho.com/bank-strike-called-off-28-september-2026/): The nationwide bank strike called for 28 to 30 September 2026 has been deferred. The United Forum of Bank Unions (UFBU) announced late on Sunday, 27 September, that it had put off the three-day strike after a late-night meeting in which the Indian Banks’ Association (IBA) agreed to set up a high-level committee on the unions’ demand for a five-day banking week. With the bank strike called off hours before it was due to begin, branches are expected to open as usual on Monday. “After detailed discussions, understandings have been reached and hence our agitations and strike actions are deferred. Details […] - [PM Kisan 24th Installment Date: When Will ₹2,000 Come? Status Check, eKYC](https://paisesamjho.com/pm-kisan-24th-installment-date/): Every few days, my uncle in a village outside Sitapur calls to ask the same thing: “Kisan wala paisa kab aayega?” He’s got the kharif harvest to manage, a tractor rental to pay off and Diwali on the way, so ₹2,000 lands at a useful moment. If you’re asking about the PM Kisan 24th installment date too, here’s the straight answer as of 27 September 2026. The government hasn’t announced it yet. What we do know is when the last one came, why October is the likely window, and what you should check today so your money doesn’t get stuck when […] - [IRDAI Insurance Distribution Rules Draft: What Policy Buyers Should Know](https://paisesamjho.com/irdai-insurance-distribution-rules-policy-buyers/): If you buy life, health or motor cover in India, the way that policy gets sold to you may change — eventually. On 23 September 2026 the Insurance Regulatory and Development Authority of India (IRDAI) put out a public consultation paper titled Recalibrating Economics of Insurance Distribution (Part 1: Distribution Reforms). Stakeholder comments are due around 25 October 2026. The paper is a proposal set, not a final rulebook. CNBC-TV18 framed the takeaways for policyholders; ET BFSI and related Moneycontrol reporting covered commissions, Expenses of Management (EoM), mis-selling controls, Bima Sugam and the Public Insurance Registry (PIR). Markets reacted because listed […] - [SBI Card FD Backed Credit Card on YONO: How the Secured Card Works](https://paisesamjho.com/sbi-card-fd-backed-credit-card-yono/): If you hold an SBI fixed deposit and keep getting declined for a regular credit card, the festive-season product news from late September 2026 is aimed at you. SBI Card has opened a digital application path on the State Bank of India YONO app for an FD-linked secured card marketed as the Advantage SBI Card journey. In plain English, your deposit becomes collateral, and you can apply for selected SBI Card variants without hauling paperwork to a branch — provided you meet whatever eligibility YONO shows at the moment you apply. Coverage from Kalkine, Livemint, CNBC-TV18, and Moneycontrol agrees on the […] - [Personal Loans Now 34% of Household Debt in India: Should You Borrow?](https://paisesamjho.com/personal-loans-india/): India’s appetite for unsecured borrowing has climbed again — and the mix inside household balance sheets has shifted in a way that should make salaried borrowers pause before tapping “instant personal loan” banners. According to Fortune India, citing 360 ONE Asset Management’s September Panorama report, personal loans India now account for 34% of outstanding household debt in FY26, up from 29% in FY20. Housing loans, which sit closer to asset creation, slipped from 30% to 27% over the same stretch. Separately, UBS told clients that India is entering a stronger unsecured credit growth cycle led by personal loans. CRIF data cited […] - [SEBI PRIM Route Explained: Mutual Funds via PMS With ₹25 Lakh Minimum](https://paisesamjho.com/sebi-prim-mutual-funds-pms-25-lakh/): SEBI’s board meeting on 24 September 2026 quietly opened a new door for people who want a professional to run their mutual-fund portfolio without jumping straight into a classic stock-picking PMS. The label is SEBI PRIM — Portfolio Managers Route for Investing in Mutual Fund units. Minimum ticket: ₹25 lakh. Building blocks: direct plans of mutual funds, including ETFs, index funds and Specialised Investment Funds (SIFs) from Indian AMCs. If that sentence already feels dense, you are the audience this piece is written for. PRIM sits between DIY SIPs on an app and a traditional PMS that can buy stocks, bonds […] - [UPI MDR Charges From October 15 2026: What Merchants and Customers Should Know](https://paisesamjho.com/upi-mdr-charges-october-15-2026/): From 15 October 2026, a thin slice of UPI merchant payments stops being free for the shop — while staying free for the person scanning the QR. That is the core of the new UPI MDR charges framework: 0.4% merchant discount rate on specified person-to-merchant (P2M) UPI transactions above ₹2,000, capped at ₹300 when the ticket hits ₹75,000 or more. NPCI’s FAQ (dated 15 September 2026) and multiple ministry clarifications spell this out without much poetry. If you run a mid-size electronics counter in Pune, pay school fees online, or just split dinner on PhonePe, you need different parts of this […] - [RBI Bulk FD Rules From October 1 2026: What Large Depositors Must Know](https://paisesamjho.com/rbi-bulk-fd-rules-october-2026-depositors/): If you park large fixed deposits for a company, trust, HUF or family office, the way banks quote those rates is about to get more public. From 1 October 2026, RBI bulk FD rules force every covered bank to put the day’s bulk deposit interest rates on its website by 10:00 am — with a thin grace window till 10:10 am — and then actually pay only those disclosed rates. The legal hook is the Reserve Bank of India (Commercial Banks – Interest Rate on Deposits) Second Amendment Directions, 2026 (RBI/2026-27/214, dated 30 July 2026). For years, bulk FDs felt like […] - [Tax Audit Deadline 30 September 2026: Form 3CD Changes You Must Know](https://paisesamjho.com/tax-audit-deadline-30-september-2026-form-3cd/): Ordinary Section 44AB tax audit reports for AY 2026–27 remain due 30 September 2026. Form 3CD checklist and what to send your CA. - [Gold Near ₹1.5 Lakh per 10 Grams: Should You Buy Now or Wait? Gold price today India](https://paisesamjho.com/gold-price-1-5-lakh-buy-now-or-wait-september-2026/): Retail and MCX gold hovered near ₹1.50–1.52 lakh/10g on 25 Sep 2026. Stagger investment buys; negotiate making charges on jewellery. - [EPFO Wage Ceiling Raised to ₹25,000: What Changes in Your PF, Pension and EDLI](https://paisesamjho.com/epfo-wage-ceiling-25000-pf-pension-edli/): Cabinet lifted EPFO’s mandatory wage ceiling to ₹25,000 from 17 Sep 2026, bringing ~51 lakh more workers under PF, EPS and EDLI. - [Bank Half-Year Closing on 30 September 2026: Cheques, EMIs and Business Payments During the Strike](https://paisesamjho.com/bank-half-year-closing-30-september-2026-cheques-strike/): 30 September half-year closing overlaps the bank strike. Digital rails ok; cheque and branch-dependent payments need a 25–27 Sep plan. - [Bank Strike September 2026: 28–30 September, Will UPI and ATMs Work?](https://paisesamjho.com/bank-strike-september-2026-upi-atm-what-works/): UFBU’s three-day bank strike hits 28–30 Sep 2026. UPI and digital rails should work; PSU branches may not. Sunday 27 opening and SBI ATM waiver explained. - [NEFT vs IMPS vs RTGS: Limits, Speed, Charges & Which to Use](https://paisesamjho.com/neft-vs-imps-vs-rtgs-differences/): NEFT vs IMPS vs RTGS compared: 24x7 timings, RTGS ₹2 lakh minimum, free online NEFT, IMPS ₹5 lakh ceiling, charges & when to use which. - [UPI Lite vs UPI: Limits, PIN-less Payments & When to Use Which](https://paisesamjho.com/upi-lite-vs-upi-limits-explained/): UPI Lite vs UPI compared: Lite ₹1,000 per txn and ₹5,000 wallet after RBI Dec 2024; regular UPI ~₹1 lakh; PIN, top-up and when to use which. - [Form 121 (Earlier Form 15G/15H): How to Avoid TDS on FD & Bank Interest](https://paisesamjho.com/form-121-15g-15h-avoid-tds-fd-interest/): Form 121 replaces 15G/15H from Tax Year 2026-27. Who can submit, Section 194A ₹50k/₹1L thresholds, per-bank steps, UIN, AIS/26AS if TDS already cut. - [PPF Rules Explained: Deposit Limit, Interest, Tenure, Loan & Partial Withdrawal](https://paisesamjho.com/ppf-rules-deposit-limit-interest-withdrawal/): PPF rules clarified: ₹500–₹1.5 lakh FY deposit, 7.1% Jul–Sep 2026, 5th-day interest math, 15-year tenure, loan/withdrawal, tax EEE and default revival. - [How to Check Your Free CIBIL Score Online (RBI One Free Report Per Year)](https://paisesamjho.com/how-to-check-free-cibil-score-online/): How to check free CIBIL score via RBI FFCR: one free full report per calendar year at cibil.com/freecibilscore, rotate 4 CICs, soft vs hard enquiry. - [CIBIL compensation ₹100 per day: RBI Rule Explained](https://paisesamjho.com/cibil-%e2%82%b9100-day-compensation-rbi-rule-explained/): You disputed a wrong loan entry on your credit report. The bank said “we have raised it.” Thirty days later, the same error still stares back at you from CIBIL — and your home-loan file is stuck. That delay is not just annoying. Under RBI’s credit-information updation framework, it can entitle you to ₹100 per calendar day until the complaint is resolved. Why is this suddenly everywhere again? On 4 September 2026, RBI announced monetary penalties on three Credit Information Companies for failing to credit eligible customers’ compensation on time. The orders (dated 31 August 2026) hit TransUnion CIBIL, CRIF High […] - [EPFO Wage Ceiling ₹25,000 Sep 2026: Take-Home Impact](https://paisesamjho.com/epfo-wage-ceiling-25000/): EPFO Wage Ceiling Raised to ₹25,000 from 17 Sep 2026: Will Your Take-Home Salary Fall? If your September payslip looks thinner and you are wondering whether HR suddenly “increased PF,” you are not imagining it. The Union Cabinet cleared a long-awaited revision on 16 September 2026, and the Labour Ministry’s Gazette notification S.O. 5109(E) published on 17 September 2026 made it effective the same day: the EPFO mandatory wage ceiling moves from ₹15,000 to ₹25,000 a month. This is the first hike since September 2014. For lakhs of salaried Indians earning between ₹15,001 and ₹25,000 basic (or “PF wages”), it can […] - [RBI New FD Rules 2026: What Changes from 1 October? Will Your Existing FD Be Affected?](https://paisesamjho.com/rbi-new-fd-rules-2026/): RBI के नए FD Rules 2026: 1 अक्टूबर से क्या बदलेगा? क्या आपकी पुरानी FD पर भी असर होगा? | पैसे Samjho Banking · 22 अगस्त 2026 RBI के नए FD Rules 2026: 1 अक्टूबर से क्या बदलेगा? क्या आपकी पुरानी FD पर भी असर होगा? By Anant · पैसे Samjho अगर आपने बैंक में Fixed Deposit यानी FD कर रखी है या आने वाले दिनों में FD कराने की सोच रहे हैं, तो 1 अक्टूबर 2026 की तारीख आपके लिए महत्वपूर्ण हो सकती है। Reserve Bank of India (RBI) ने बैंक जमा पर ब्याज दरों से जुड़े नियमों में बदलाव […] - [SBI BSBDA Cash Withdrawal Charges 2026: How Much After 4 Free Withdrawals](https://paisesamjho.com/sbi-bsbda-cash-withdrawal-charges/): SBI BSBDA निकासी चार्ज 2026: 1 अक्टूबर से 4 बार के बाद कितना कटेगा? | पैसे Samjho Banking · 22 अगस्त 2026 SBI BSBDA निकासी चार्ज 2026: 1 अक्टूबर से 4 बार के बाद कितना कटेगा? By Anant · पैसे Samjho स्टेट बैंक ऑफ इंडिया (SBI) ने बेसिक सेविंग अकाउंट यानी BSBDA पर कैश निकालने के चार्ज का नया schedule जारी किया है। यह 1 अक्टूबर 2026 से लागू होगा। बैंक के अनुसार, महीने में पहली 4 कैश निकासी फ्री रहेंगी। उसके बाद हर कैश निकासी पर ₹15 + GST कटेगा। UPI, IMPS, NEFT जैसी डिजिटल ट्रांजैक्शन पर कोई नया चार्ज […] - [PhonePe Se AutoPay Kaise Delete Karein | ऑटोपे कैसे डिलीट करें](https://paisesamjho.com/phonepe-se-autopay-kaise-delete-karein/): PhonePe Se AutoPay Kaise Delete Karein: आपने कभी अपनी bank statement देखते हुए सोचा है — “ये पैसा किसने काटा?” ज़्यादातर बार जवाब होता है AutoPay। कोई app, कोई subscription, कोई platform जिसे आपने महीनों पहले try किया था, अब भी हर महीने चुपचाप आपके account से पैसे काट रहा होता है। AutoPay क्या है, और यह चुपचाप पैसे क्यों काटता है AutoPay एक ऐसी सुविधा है जिसमें आप किसी company या app को एक बार permission दे देते हैं कि वो आपके account से एक तय amount, तय समय पर खुद-ब-खुद debit कर सके। यह Netflix जैसे subscriptions, SIP investments, […] - [Loan Tips: Loan लेने से पहले खुद से पूछें ये 5 सवाल](https://paisesamjho.com/loan-tips/): Loan खुद में ना अच्छा है, ना बुरा। एक loan आपको अमीर नहीं बनाता, और एक loan आपको गरीब भी नहीं बनाता। फर्क सिर्फ इतना है — आपने वो loan किस सवाल का जवाब देकर लिया। ज़्यादातर लोग जब loan लेते हैं, तो सिर्फ एक चीज़ check करते हैं — EMI कितनी है, और क्या वो afford हो सकती है। बस इतना ही। यही एक आदत लाखों लोगों को साल-दर-साल कर्ज़ में धकेलती रहती है, चाहे शहर छोटा हो या salary बड़ी। EMI afford करना अलग बात है, और loan को समझदारी से लेना बिल्कुल अलग बात है। इसीलिए यहाँ कुछ […] - [Salary Slip Kaise Padhein l How to Read Salary Slip](https://paisesamjho.com/salary-slip-kaise-padhein/): Salary Slip Kaise Padhein- आपके phone पर हर महीने एक message आता है —”Your salary has been credited.”और आप खुश हो जाते हैं। लेकिन क्या आपने कभी अपनी salary slip खोलकर ध्यान से देखी है? ज़्यादातर लोग सिर्फ एक number देखते हैं — net salary — और बाकी सब ignore कर देते हैं। लेकिन उस slip में बहुत कुछ छुपा होता है। Basic Pay, HRA, PF, TDS, Gross Salary, Net Salary, Special Allowance — यह सब क्या होता है? क्यों होता है? और आपकी जेब पर इसका क्या असर पड़ता है? सच बात यह है कि जो लोग अपनी salary slip […] - [CIBIL Score Kaise Badhaye — 10 Mistakes जो हर कोई करता है](https://paisesamjho.com/cibil-score-kaise-badhaye/): सोचिए एक पल के लिए…आपने सालों की मेहनत से पैसे जोड़े। सपनों का घर खरीदने का वक्त आया। Bank में गए, सारे documents दिए, income proof दिया — सब कुछ सही था।लेकिन bank ने एक झटके में application reject कर दी।सिर्फ एक चीज की वजह से — आपका CIBIL Score।और सबसे तकलीफदेह बात? आपको पता भी नहीं था कि आपका score कब गिरना शुरू हुआ। कोई warning नहीं आई। कोई SMS नहीं। कोई alert नहीं। बस हर महीने — चुपचाप — आपका score नीचे जाता रहा। आज इस post में हम बात करेंगे 10 ऐसी common गलतियों की जो आपके CIBIL […] - [CGTMSE क्या है? Mudra Loan में CGTMSE Charge क्यों लिया जाता है](https://paisesamjho.com/cgtmse-mudra/): आज के समय में छोटे व्यापारियों, StartUpsऔर entrepreneurs के लिए Mudra Loan एक महत्वपूर्ण financing option बन गया है। यह loan scheme खासतौर पर उन लोगों के लिए बनाई गई है जो छोटा business शुरू करना चाहते हैं या अपने existing business को बढ़ाना चाहते हैं। जब कई लोग Mudra Loan के लिए apply करते हैं और loan sanction होता है, तो उन्हें loan statement या sanction letter में CGTMSE charge या guarantee fee दिखाई देती है। इस charge को देखकर अक्सर borrowers के मन में सवाल आता है कि यह CGTMSE क्या है और Mudra Loan में यह charge क्यों […] - [Bank Cash Deposit Rules: Bank में कितना पैसा रखने या जमा करने पर Notice आ सकता है?](https://paisesamjho.com/bank-cash-deposit-rules/): आजकल बहुत से लोग यह जानना चाहते हैं कि bank account में कितना पैसा रखने या जमा करने पर Income Tax notice आ सकता है। कई बार सोशल मीडिया या YouTube पर अलग-अलग numbers बताए जाते हैं, जिससे confusion बढ़ जाता है। असल में Income Tax Department सीधे हर transaction पर notice नहीं भेजता। लेकिन कुछ high-value transactions ऐसे होते हैं जिन्हें banks और financial institutions को Income Tax Department को report करना पड़ता है। इस reporting system को Statement of Financial Transactions (SFT) कहा जाता है, जो Income Tax Act की Section 285BA और Rule 114E के तहत लागू होता […] - [CC लिमिट के लिए कौन से दस्तावेज चाहिए | Business CC Limit Documents](https://paisesamjho.com/cc-limit-documents/): अगर आप अपने business के लिए Cash Credit (CC) Limit लेना चाहते हैं, तो सबसे पहले यह जानना जरूरी है कि बैंक CC लिमिट के लिए कौन से दस्तावेज चाहिए। कई बार business owners केवल process जानते हैं, लेकिन सही documents की जानकारी न होने के कारण उनकी application delay हो जाती है या reject भी हो सकती है। CC Limit खासतौर पर working capital की जरूरतों को पूरा करने के लिए दी जाती है, जिससे businesses अपने daily expenses, inventory purchase और operational costs आसानी से manage कर सकें। लेकिन इस facility को approve करने से पहले bank applicant की […] - [Loan Default: बैंक आपके खिलाफ क्या कार्रवाई कर सकता है? पूरी जानकारी](https://paisesamjho.com/loan-default/): कभी-कभी आर्थिक समस्याओं के कारण लोग अपनी loan की EMI समय पर नहीं भर पाते। ऐसे में सबसे बड़ा सवाल यह होता है कि Loan Default होने पर bank क्या कर सकता है? क्या bank तुरंत legal action ले सकता है, police भेज सकता है या आपकी property जब्त कर सकता है? असल में, banks loan default के मामलों में एक fixed process और timeline follow करते हैं। एक EMI miss होने के बाद तुरंत कोई बड़ा action नहीं लिया जाता। पहले bank reminders और follow-ups करता है, और अगर लगातार कई EMI unpaid रहती हैं, तब account को अलग-अलग stages […] - [TDS क्या है और कैसे कटता है? आसान भाषा में समझें](https://paisesamjho.com/tds-kya-hai/): जब भी हमें salary, bank interest या किसी payment से पैसे मिलते हैं, तो कई बार उसमें से कुछ amount पहले ही कट जाता है। इस कटे हुए tax को TDS कहा जाता है। लेकिन बहुत से लोगों को समझ नहीं आता कि TDS क्यों कटता है, कौन काटता है और यह पैसा आखिर जाता कहाँ है। असल में TDS (Tax Deducted at Source) सरकार का एक तरीका है जिससे tax को सीधे income के source पर ही collect किया जाता है। यानी आपको पूरी income मिलने से पहले ही उसका कुछ हिस्सा tax के रूप में काट लिया जाता है […] - [SBI Card Miles Elite Review: High Spenders के लिए कितना फायदेमंद?](https://paisesamjho.com/sbi-card-miles-elite-review/): अगर आप travel पसंद करते हैं और अपने खर्चों पर reward भी चाहते हैं, तो SBI Card Miles Elite आपके लिए एक अच्छा option हो सकता है। यह कार्ड खासकर उन लोगों के लिए designed है जो सालाना high spends करते हैं और lounges, travel credits और milestone benefits का पूरा फायदा उठाना चाहते हैं। ₹4,999 + GST की annual fee थोड़ी high लग सकती है, लेकिन अगर आप इस कार्ड का सही तरीके से इस्तेमाल करते हैं, तो यह fee आसानी से justify हो जाती है। SBI Card Miles Elite Review में हम आपको step-by-step बताएंगे कि इस कार्ड के […] - [पर्सनल लोन लेने के लिए कितना CIBIL स्कोर चाहिए?](https://paisesamjho.com/personal-loan-ke-liye-kitna-cibil-score-chahiye/): आज के समय में पर्सनल लोन लेना पहले से कहीं ज्यादा आसान हो गया है। कुछ ही मिनटों में ऑनलाइन आवेदन और जल्दी approval — लेकिन एक चीज जो सबसे ज्यादा मायने रखती है, वह है आपका CIBIL स्कोर। अक्सर लोगों के मन में सवाल होता है — क्या 600 स्कोर पर लोन मिलेगा? क्या 750 जरूरी है? क्या कम स्कोर होने पर भी Personal Loan मिल सकता है? सच्चाई यह है कि पर्सनल लोन unsecured loan होता है, यानी बैंक बिना किसी गारंटी के पैसा देते हैं। इसलिए वे सबसे पहले आपके credit behavior को देखते हैं — और यही […] - [पैन कार्ड को आधार से लिंक नहीं कराया तो क्या होगा? जुर्माना, नुकसान और समाधान](https://paisesamjho.com/pan-card-ko-aadhaar-se-link/): पैन कार्ड और आधार कार्ड आज के समय में सिर्फ पहचान पत्र नहीं हैं, बल्कि आपकी पूरी financial identity का आधार बन चुके हैं। बैंक अकाउंट खोलने से लेकर Income Tax Return (ITR) फाइल करने तक, हर जरूरी वित्तीय प्रक्रिया में PAN की अहम भूमिका होती है। इसी वजह से सरकार ने PAN को आधार से लिंक करना अनिवार्य कर दिया है, ताकि फर्जीवाड़ा रोका जा सके और टैक्स सिस्टम को पारदर्शी बनाया जा सके। लेकिन सवाल यह है — अगर आपने अभी तक अपना पैन कार्ड आधार से लिंक नहीं कराया, तो क्या होगा? क्या आपका PAN बंद हो सकता […] - [एक से ज्यादा क्रेडिट कार्ड रखने के फायदे और नुकसान - पूरी गाइड](https://paisesamjho.com/ek-se-jyada-credit-card-rakhne-ke-fayde-aur-nuksan/): आज के समय में एक क्रेडिट कार्ड होना आम बात है, लेकिन कई लोगों के पास अब दो या तीन क्रेडिट कार्ड भी होते हैं। कोई cashback के लिए लेता है, कोई online shopping offers के लिए, तो कोई travel benefits और lounge access के लिए। सवाल यह है — क्या एक से ज्यादा क्रेडिट कार्ड रखना समझदारी है या फिर यह अनजाने में कर्ज़ का जाल बन सकता है? सही तरीके से इस्तेमाल किया जाए तो multiple credit cards आपके लिए एक powerful financial tool बन सकते हैं। आपकी कुल credit limit बढ़ती है, credit utilization बेहतर होता है और […] - [Flexi Deposit क्या है? अपने बचत खाते को Smart Upgrade कैसे करें](https://paisesamjho.com/flexi-deposit/): अगर आपके सेविंग अकाउंट में हर महीने 40–50 हजार या कभी-कभी 1 लाख रुपये तक पड़े रहते हैं…तो एक सीधा सवाल है — क्या वो पैसा सच में बढ़ रहा है? अक्सर बैंक सेविंग अकाउंट पर सिर्फ 2.5% से 4% तक ब्याज देते हैं। मतलब आपका पैसा बस पड़ा रहता है, काम कम करता है। अब सोचिए अगर वही पैसा आपको FD जैसा ब्याज भी दे और जरूरत पड़ने पर कभी भी निकाल भी सकें… तो? यहीं पर आता है Flexi Deposit।कई लोग इसका नाम सुन चुके हैं, लेकिन समझ नहीं पाते कि: इस आर्टिकल में हम बिना किसी भारी-भरकम बैंकिंग […] - [PPF vs FD: कौन सी निवेश योजना आपके लिए Best है? – आसान और Smart Guide](https://paisesamjho.com/ppf-vs-fd/): निवेश करना आज के समय में हर व्यक्ति के लिए बेहद जरूरी हो गया है। लेकिन सही निवेश योजना चुनना हमेशा आसान नहीं होता। अगर आप सुरक्षित और भरोसेमंद विकल्प ढूंढ रहे हैं, तो PPF और FD दो सबसे लोकप्रिय निवेश विकल्प हैं। इस आर्टिकल में हम PPF vs FD: कौन सी निवेश योजना आपके लिए Best है? विषय पर पूरी जानकारी देंगे। आप जानेंगे इन दोनों के फायदे, कमियां, रिटर्न और किस स्थिति में कौन सा विकल्प आपके लिए सबसे Powerful साबित हो सकता है। आसान भाषा और उदाहरण के साथ यह गाइड आपको सही निर्णय लेने में मदद करेगी। […] - [क्रेडिट कार्ड का ब्याज कैसे कैलकुलेट होता है? – Complete और Powerful Guide + Example](https://paisesamjho.com/credit-card-interest-calculation-hindi/): क्रेडिट कार्ड इस्तेमाल करना आज के समय में बहुत आसान हो गया है, लेकिन उसका ब्याज कैसे लगता है यह समझना उतना ही जरूरी है। अक्सर लोग सोचते हैं कि अगर minimum payment कर दी तो कोई बड़ी समस्या नहीं होगी, लेकिन यहीं से ज्यादा ब्याज शुरू हो सकता है। क्रेडिट कार्ड का ब्याज आमतौर पर 30% से 40% सालाना तक पहुंच सकता है, जो धीरे-धीरे आपके outstanding amount को बढ़ा देता है। इस लेख में हम सरल भाषा में समझेंगे कि क्रेडिट कार्ड का ब्याज कैसे कैलकुलेट होता है, daily interest कैसे लगता है और ₹10,000 के उदाहरण से पूरा […] - [प्रधानमंत्री फसल बीमा योजना क्या है? PMFBY Claim और Eligibility](https://paisesamjho.com/pmfby-information/): भारत में खेती पूरी तरह मौसम पर निर्भर है। कभी सूखा, कभी बाढ़, कभी ओलावृष्टि – एक ही प्राकृतिक आपदा किसान की पूरी मेहनत खराब कर सकती है। ऐसे समय में आर्थिक नुकसान की भरपाई करना आसान नहीं होता। इसी समस्या को कम करने के लिए सरकार ने प्रधानमंत्री फसल बीमा योजना (PMFBY) शुरू की है। इस योजना के तहत किसान बहुत कम प्रीमियम देकर अपनी फसल का बीमा कर सकते हैं। अगर प्राकृतिक आपदा, भारी बारिश, सूखा या अन्य कारणों से फसल खराब होती है, तो सरकार और बीमा कंपनी मिलकर नुकसान की भरपाई करती हैं। इस लेख में हम […] - [KCC में ब्याज माफी कब और कैसे मिलती है? जानिए 3% Interest Subvention की पूरी जानकारी](https://paisesamjho.com/kcc-me-vyaj-maafi/): किसान क्रेडिट कार्ड (KCC) लेने वाले कई किसानों के मन में यह सवाल रहता है कि क्या इस पर ब्याज माफी मिलती है और अगर मिलती है तो कब और कैसे? अक्सर लोग पूरी लोन माफी समझ लेते हैं, जबकि वास्तव में सरकार समय पर भुगतान करने पर ब्याज में छूट (Interest Subvention) देती है। इस लेख में हम आसान भाषा में समझेंगे कि KCC पर ब्याज कैसे लगता है, 3% ब्याज छूट किसे मिलती है और किन शर्तों को पूरा करने पर इसका लाभ लिया जा सकता है। इस आर्टिकल में आज हम समझेंगे कि KCC में ब्याज माफी कब […] - [Autopay क्या है, कैसे Use करें और कैसे Delete करें? 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[…] - [Union Bank Unicorn RuPay Credit Card Review: अप्लाई करें या नहीं?](https://paisesamjho.com/union-bank-unicorn-rupay-credit-card/): आज के समय में क्रेडिट कार्ड सिर्फ़ खर्च करने का ज़रिया नहीं रह गया है, बल्कि यह रिवॉर्ड्स, लाउंज एक्सेस, UPI पेमेंट और लाइफस्टाइल बेनिफिट्स का एक पूरा पैकेज बन चुका है। इसी कड़ी में Union Bank of India ने अपना प्रीमियम कार्ड Union Bank Unicorn RuPay Credit Card लॉन्च किया है, यह कार्ड खास तौर पर उन लोगों के लिए डिज़ाइन किया गया है जो RuPay नेटवर्क, UPI के ज़रिये क्रेडिट कार्ड पेमेंट, और लाउंज व OTT जैसे प्रीमियम फायदे एक ही कार्ड में चाहते हैं। इस आर्टिकल में हम इस कार्ड के फायदे, फीस, पात्रता, UPI इस्तेमाल, और इसके […] - [मिड कैप म्यूचुअल फंड क्या है? भारत के बेस्ट मिड कैप म्यूचुअल फंड](https://paisesamjho.com/mid-cap-funds/): मिड कैप म्यूचुअल फंड क्या है? (Mid Cap Companies) मिड कैप म्यूचुअल फंड ऐसे म्यूचुअल फंड होते हैं जो अपना ज़्यादातर पैसा मध्यम आकार की कंपनियों (Mid Cap Companies) में निवेश करते हैं। ये कंपनियाँ न तो बहुत छोटी होती हैं और न ही पूरी तरह स्थापित बड़ी कंपनियाँ — बल्कि ये वह कंपनियाँ होती हैं जो तेज़ी से आगे बढ़ रही होती हैं और भविष्य में बड़ी कंपनी बनने की क्षमता रखती हैं। SEBI (भारतीय प्रतिभूति एवं विनिमय बोर्ड) के अनुसार, जिन कंपनियों की मार्केट कैपिटलाइज़ेशन देश की टॉप 101 से 250 कंपनियों के बीच होती है, उन्हें मिड कैप […] - [बीमा क्या है? टर्म, लाइफ और हेल्थ इंश्योरेंस में क्या फर्क है?](https://paisesamjho.com/what-is-insurance/): बीमा क्या है? बीमा एक ऐसी व्यवस्था है जो आपको और आपके परिवार को अचानक आने वाली आर्थिक परेशानियों से सुरक्षित करती है। जब हम बीमा लेते हैं, तो हम थोड़ी-सी राशि (प्रीमियम) नियमित रूप से जमा करते हैं, ताकि बीमारी, दुर्घटना या किसी अनहोनी की स्थिति में हमें या हमारे परिवार को आर्थिक सहारा मिल सके। सरल शब्दों में कहें तो बीमा भविष्य की अनिश्चितताओं से बचाव की ढाल है। यह पैसा कमाने का साधन नहीं, बल्कि नुकसान से बचाने का उपाय है। सही समय पर लिया गया सही बीमा मुश्किल हालात में आपकी बचत को खत्म होने से बचाता […] - [कम आमदनी में निवेश कैसे शुरू करें – Low Income Investment Guide in Hindi](https://paisesamjho.com/low-income-investment-guide/): भारत में ज़्यादातर लोग low income category में आते हैं। कोई ₹10,000 कमाता है, कोई ₹20,000, तो कोई कभी-कभी ही कमाई करता है। ऐसे में एक आम सोच बन जाती है कि निवेश करना हमारे बस की बात नहीं है। अक्सर लोग यही मानते हैं: लेकिन सच्चाई इससे बिल्कुल अलग है। हकीकत यह है कि निवेश आय से नहीं, discipline और planning से शुरू होता है। अगर निवेश सिर्फ ज़्यादा कमाई वालों के लिए होता, तो छोटे निवेश से बड़े फंड कभी बन ही नहीं पाते। असल फर्क पैसे का नहीं, सोच और आदतों का होता है। कम आमदनी में निवेश […] ## Pages - [Loan EMI Calculator](https://paisesamjho.com/loan-emi-calculator/): Loan EMI Calculator Home, personal, car, education ya business loan — monthly EMI, total interest aur year-wise breakup, instantly. 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Quick Presets 👶 ₹3,000/yr — Newborn Beti ki age 1 yr · 8.2% p.a. 🎒 ₹12,000/yr — School Goer Beti ki age 5 yr · 8.2% p.a. 📚 ₹50,000/yr — Higher Studies Goal Beti ki age 8 yr · 8.2% p.a. 💍 ₹1,50,000/yr — Max Limit Beti ki age 2 yr · 8.2% p.a. Your Results Maturity Value ₹0 Total Invested ₹0 Interest Earned ₹0 0% Growth 0% Amount Invested Interest Earned Year-by-Year Growth […] - [SIP Calculator - Calculate SIP Returns & Mutual Fund Growth | Paise Samjho](https://paisesamjho.com/sip-calculator/): SIP Calculator Systematic Investment Plan — apna paisa kaam karne do Investment Details Monthly Investment Expected Annual Returns Time Period Quick Presets ₹1,000/mo — Beginner 12% returns · 10 years ₹5,000/mo — Middle Class 12% returns · 15 years ₹10,000/mo — Serious 15% returns · 20 years ₹25,000/mo — Crorepati Goal 15% returns · 25 years Your Results Total Value ₹0 Invested ₹0 Gains ₹0 0% Profit 0% Amount Invested Estimated Returns Year-by-Year Growth Year Invested Returns Total Value Progress * Returns are estimated based on compounding. Mutual fund investments are subject to market risk. 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