Kishan 
Your 30s are a defining decade for building long-term financial stability. It’s when many people juggle career growth, family responsibilities, and future goals like home ownership or retirement. But it’s also when poor decisions can snowball. Let’s look at the top 10 financial mistakes in your 30s and how to avoid them using smart personal … Read more
An emergency fund is your financial safety net. It ensures you’re prepared for life’s surprises—medical emergencies, job loss, or unexpected home repairs—without derailing your budget or relying on debt. This guide breaks down how to build an emergency fund step-by-step, especially for those starting from scratch in 2025. Why You Need an Emergency Fund in … Read more
As cryptocurrency continues to evolve from a niche investment to a mainstream financial asset, Indian investors must stay updated with the latest tax regulations. The landscape of cryptocurrency taxation in India has transformed significantly, especially after the formal introduction of tax laws in 2022. Now in 2025, with increased regulatory clarity and broader investor participation, … Read more
The central government is reportedly working on a major revision to the Employees’ Pension Scheme (EPS), aiming to raise the minimum monthly pension from the current ₹1,000 to ₹3,000. This development could provide long-overdue financial relief to millions of private sector workers who rely on their pension post-retirement. A Step Toward Pension Reform: The Proposed … Read more
In a major step towards simplifying employee benefits, the Employees’ Provident Fund Organisation (EPFO) has introduced key reforms to improve the experience of its members. With the upgraded Form 13 and automated processes, transferring Provident Fund (PF) accounts has become faster, more transparent, and far less tedious for those switching jobs. These changes are expected … Read more
The Indian government has taken its first official step toward establishing the 8th Central Pay Commission (8th CPC). This move comes well ahead of the expiration of the existing pay structure in December 2025, signaling the administration’s intent to streamline salary revisions for central government employees and pensioners. Currently, the government is in the process … Read more
As the financial landscape evolves, investors are actively scouting the best mutual funds India has to offer. With markets expected to remain volatile but promising, selecting the right funds is more critical than ever. This guide highlights the top performing funds, their recent performance, and future potential based on industry trends and expert projections. Why … Read more
The Unified Pension Scheme 2025 marks a major shift in India’s retirement policy landscape. With a guaranteed 50% pension for government employees, this reform aims to balance long-term financial security with the evolving demands of fiscal management. This initiative comes in response to growing concerns about the sustainability and adequacy of post-retirement income for central … Read more
As we approach the financial year 2025-26, taxpayers in India are once again looking for effective ways to save on taxes while also building wealth. Section 80C of the Income Tax Act remains one of the most popular avenues for tax-saving investments, offering deductions up to ₹1.5 lakh. But with so many options, choosing the … Read more
Finding the right high-interest savings account in India can significantly impact your financial growth, especially when aiming for better returns without risking your capital. With banking services constantly evolving, several institutions now offer impressive features and competitive interest rates on savings accounts. Here’s a detailed breakdown of the best savings account India 2025 has to … Read more