Introduction India is the land of festivals, where every month brings a reason to celebrate — Diwali, Eid, Raksha Bandhan, Christmas, Onam, Pongal, weddings, or birthdays. Festivals are about joy, lights, gifts, and food, but they also bring expenses. Many families overspend during these celebrations, leading to stress, last-minute loans, or dipping into savings. But … Read more
India witnessed a historic Goods and Services Tax (GST) reform on 3 September 2025, when the GST Council announced a complete restructuring of tax slabs. This is being called the biggest indirect tax reform since GST was first introduced in 2017. The aim is to simplify taxation, ease compliance, and reduce costs for the common … Read more
Introduction In today’s India, digital payments have become a part of everyday life. Whether it is buying groceries or paying school fees, people prefer UPI (Unified Payments Interface) because it is fast, safe, and simple. According to NPCI reports, UPI crossed 14 billion monthly transactions in 2024, making it the most used digital payment system … Read more
Introduction The first five years of a child’s life are the most crucial for brain development, cognitive growth, and lifelong learning ability. In India, the government has launched the NIPUN Bharat Mission under the National Education Policy (NEP) 2020 to ensure that every child achieves Foundational Literacy and Numeracy (FLN) by Grade 3. For children … Read more
Introduction: Why Pocket money system for Indian children Pocket money in India is no longer just about giving kids a few rupees for snacks. It has transformed into a powerful tool for teaching financial literacy, especially in a country where only 27% of people are financially literate (NCFE data). From ₹125 in 1998 to an … Read more
PM Jandhan Overdraft Rs. 10,000 tak overdraft facility Pradhan Mantri Jan Dhan Yojana India ki sabse badi financial inclusion scheme hai jo poor aur disadvantaged families ko banking services se jodti hai। Is scheme ke under overdraft facility ke through account holders 10,000 rupees tak bina kisi guarantee ke withdraw kar sakte hain.Pradhan Mantri Jan Dhan Yojana India ki sabse badi financial inclusion scheme hai jo poor aur disadvantaged families ko banking … Read more
This long-form guide explains the difference between a guardian-operated account and a self-operated minor account in India. It answers why the rules changed recently, what each account allows, the risks and benefits, how banks implement the rules, and what is the rbi guidelines for minors, KYC and documentation required for minor and guardian operated account, … Read more
If your child keeps asking for money to recharge their phone, buy snacks at the canteen, or pay for coaching classes, you no longer need to hand over cash or share your UPI PIN. UPI Circle lets you safely give your child controlled UPI access from your own bank account. Think of it as a … Read more
Financial planning is no longer about just saving money—it’s about creating a secure, long-term system that allows families to achieve their goals without financial strain. For Non-Resident Indians (NRIs), who often juggle the responsibility of supporting their families in India while building their own wealth abroad, this balance becomes even more important. One of the newest … Read more
NPS Vatsalya Scheme 2025: A Complete Guide for Indian Parents 🌟 Why NPS Vatsalya Matters for Your Child’s Future Every parent dreams of securing their child’s future—whether it’s higher education, marriage, or a comfortable retirement. But what if you could start building a retirement fund for your child right from birth? That’s exactly what the … Read more