Household borrowing climbed sharply after the Covid years, leaving many families with higher monthly obligations. If you’re thinking of taking a personal loan or any other unsecured credit, a quick reality check can save stress and money down the road. Why many households borrowed more Income disruptions: Job losses and reduced work hours pushed people … Read more
From scripture to statute Hindu law traces its roots to ancient scriptures and customary practices that guided family, property and social life for centuries. Over time, those traditions were interpreted and adapted by courts and communities, creating a body of rules that balanced religious norms with changing social needs. 1956: a key moment in codification … Read more
What is card autopay? Autopay lets you authorize regular payments — such as subscriptions, utility bills or loan instalments — directly from your debit or credit card without manually approving each transaction. With a one-time setup, merchants can charge the agreed amount on scheduled dates, making recurring payments simpler and more reliable. How it works … Read more
Doorstep Digital Life Certificate for EPS-1995 Pensioners India Post Payments Bank has joined hands with the Employees’ Provident Fund Organisation (EPFO) to bring doorstep Digital Life Certificate services to pensioners enrolled under the Employees’ Pension Scheme, 1995. The move aims to simplify pension verification and reduce the need for senior citizens to travel to offices. … Read more
Reforms widened the market — and raised new risks Recent IPO reforms in India made it easier for companies to list and for retail investors to take part. That deepened the market, brought fresh capital, and created more opportunities for businesses and small investors alike. But the same changes also encouraged a culture of quick … Read more
A Will isn’t just a document for the wealthy. It’s a straightforward tool that gives you control over how your possessions, money and responsibilities are handled after you die. Preparing one can prevent confusion, reduce legal delays and help avoid family disputes. Why a Will matters for everyone Many people assume a Will only matters … Read more
Quick checklist: What you need before you begin UAN and password to access the member portal. Relieving letter or resignation acceptance from your employer. Last salary slip or any proof of last working day. Employer contact details (HR or payroll person). Step-by-step: Check your current records Sign in to the UAN Member Portal using your … Read more
What a 20% annual return really means An annual growth rate of 20% compounds quickly. If you had invested ₹1,00,000 in a fund that delivered 20% per year for five years, your investment would have grown to roughly ₹2.48 lakh. That’s the power of compounding: returns earn returns, and growth accelerates over time. How the … Read more
What is Mitra? Mitra stands for Mutual Fund Investment Tracing and Retrieval Assistant. It is a service platform designed to help investors locate and recover inactive or unclaimed mutual fund folios. In short, Mitra helps reconnect people with investments they may have forgotten or lost track of. Why tracing inactive folios matters Unclaimed folios may … Read more
Many homebuyers accept insurance packaged with their mortgages without fully understanding what they’re buying. While these policies are meant to protect families, a surprising number are inadequate, misaligned with the borrower’s needs, or even assigned in ways that weaken protections when a claim arises. Where loan-linked insurance commonly fails Wrong policy assignment: Policies are sometimes … Read more