Latest Blog Articles

EPFO 3.0 is an upcoming upgrade that will make Provident Fund access faster and digital-first for over 8 crore members. Key features include PF withdrawals via ATM and UPI, online claim corrections, real-time tracking, and faster nominee claim settlements. Designed by Infosys, TCS, and Wipro, the system ensures a mobile-friendly experience with reduced paperwork. Though delayed from October 2025 due to technical testing, the rollout is expected soon, offering members quicker, safer, and more convenient PF services.

FD rates in 2025 have touched their highest levels in years, making this a golden opportunity for professionals, retirees and self-employed individuals to lock in guaranteed returns.  Fixed deposit has been a strong choice for anyone looking to safely invest their idle money for the past few decades. Nowadays, however, the trend towards fixed deposit […]

In a significant move to give more control to central government employees over their retirement planning, the Government of India has introduced a one-time, irreversible option for employees to switch from the Unified Pension Scheme (UPS) back to the National Pension System (NPS). The Unified Pension Scheme was launched in 2024 to address concerns over […]

The Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan (PM KUSUM) is a government scheme launched in 2019 to help farmers use solar energy for agriculture. It supports the installation of solar-powered pumps and small solar plants on farmland. This means farmers can reduce their dependence on diesel and traditional electricity and even earn money […]

The National Pension System (NPS) is a government-backed, voluntary retirement savings scheme in India, designed to provide long-term financial security. It offers two types of accounts: Tier 1 and Tier 2. Each has unique features and serves different purposes, allowing individuals to tailor their retirement savings based on their financial goals. In this blog, we’ll […]

In the realm of investments and savings, Fixed Deposits (FDs) play a major role. A lump sum is invested for assured returns and long-term growth. Among the myriad of options available, Utkarsh Small Finance Bank stands out as one of the best banks for FDs. Its attractive FD rates and flexibility make it a great […]

Are you a senior citizen looking for a safe and reliable investment option with attractive returns? The Senior Citizens Savings Scheme (SCSS) is a post office scheme specifically designed for senior citizens, offering a guaranteed return of 8.2 percent annual interest. This government scheme provides tax benefits of up to ₹1.5 lakhs on deposits under […]

  Tax planning is an essential aspect of financial management, ensuring that individuals and businesses legally minimize their tax liabilities. While Section 80c of the Income Tax Act provides multiple deductions, it has an annual limit of ₹1.5 lakh, which might not be sufficient for many taxpayers. Thankfully, there are several other sections under which […]

The Mahila Samman Savings Certificate (MSSC), launched in 2023, is a government-backed scheme for women and girl children offering 7.5% interest with a 2-year lock-in period. Unlike Fixed Deposits (FDs), which are more liquid and have variable interest rates (6.25–7.25%), MSSC provides higher returns but limited early access. Investors can withdraw partially after a year or prematurely with penalties. MSSC suits women seeking safe, short-term growth, while FDs or Post Office FDs are better for flexible access and longer-term investments.

A Systematic Investment Plan (SIP) allows investors to invest a fixed amount, like ₹25,000, at regular intervals, leveraging compounding and rupee cost averaging to build wealth. SIPs offer affordability, flexibility, diversification, and disciplined investing. Over periods of 5–25 years, ₹25,000 monthly can grow substantially, depending on market returns. Online SIP calculators help estimate potential earnings, choose the right investment amount, and track progress. Popular SIP funds include Top 200 Fund, Virtue II, Pure Equity, and Blue Chip Fund, offering varying returns based on duration and market performance.