RBI & Macro Guide 2026: Policy, Inflation & the Rupee
Three numbers do the work and they answer different questions. The repo prices your loan, CPI measures what it already cost you, and WPI tells you what is still coming.
Utkarsh Garg
Personal Finance Guide 2026: Banking, Insurance & EPF
Personal finance for a salaried Indian does not start with where to invest. It starts with how long you could fund your life if the income stopped tomorrow.
Missed the ITR Deadline? Your Belated-Return Options
Home › Tax & Investing › Income Tax Published 3 August 2026 | 8 min read | Utkarsh Garg, Editor Quick Answer The ITR-1/ITR-2 deadline of 31 July 2026 was not extended. If you missed it, you can still file a belated return under Section 139(4) until 31 December 2026. The late fee is ₹5,000 … Read more
EPF Scheme 2026: What Changed for Your PF Account
The EPF Scheme 2026 replaced the 1952 Scheme on 1 July 2026. The 12% rate did not change. What did: mandatory contributions capped at Rs 1,800 a month, thirteen withdrawal categories became three, and after a job loss the final 25% now waits twelve months instead of two.
RBI Bans Forced Insurance Bundling With Bank Loans
Personal Finance › Banking Quick Answer From 1 January 2027, banks cannot force you to buy insurance or any other third-party product as a condition for getting a home loan, car loan, or personal loan. If a bank requires insurance as a risk mitigant, you must be given the choice to buy it from any … Read more
Online Bank Fraud: New RBI Rules on Customer Liability
Personal Finance › Banking Quick Answer From 1 January 2027, if money is stolen from your bank account through an unauthorised electronic transaction, your liability depends on who was at fault. If the bank was negligent, you owe nothing and the transaction is reversed — regardless of when you report. If the fault lay with … Read more
Income Tax for Salaried Indians 2026: Complete Guide
Two Income-tax Acts are live at once, and which one governs you depends on the year. Settle that first, then go straight to the explainer for your situation.
New IT Act 2025 Is Live — Your ITR Is Still the Old Law
Tax & Investing › Income Tax Quick Answer The Income-tax Act, 2025 took effect on 1 April 2026, but your ITR for FY 2025-26 (AY 2026-27) is still filed under the OLD Income-tax Act, 1961. You file only ONE return, on the same 31 July 2026 deadline for salaried taxpayers. The new Act first applies to income earned … Read more
ITR Scrutiny 2026-27: CBDT’s 6 Compulsory Criteria
Income Tax Tax & Investing | 24 Jun 2026 | 5 min read Quick Answer CBDT circular F.No. 225/56/2026/ITA-II (4 June 2026) lists six categories of income tax returns filed in FY 2025-26 that will be compulsorily selected for complete scrutiny in FY 2026-27. Notices u/s 143(2) must be served by 30 June 2026. If … Read more
IRDAI Health Insurance Rules 2026: What’s in Effect
Six rules bind every health insurer in India. The one most people get wrong is the five-year moratorium — it stops your insurer contesting a claim, it does not turn an exclusion into a benefit.