News

Currently, a fee of Rs 1,000 is applicable for linking PAN with Aadhaar. While the amount may seem modest, the larger concern is that an unlinked PAN can become inoperative.

Updated : Dec 30, 2025

PAN–Aadhaar linking deadline on December 31, 2025: Check linking steps, late fee & what happens next

The PAN–Aadhaar linkage has been made compulsory to strengthen identity verification within the tax system. By linking the two unique identifiers, the government aims to eliminate duplicate PANs, reduce tax evasion, and improve the accuracy of financial records.

The current decline in savings rate in the Indian economy is a matter of concern.

Updated : Dec 29, 2025

Drop in aggregate savings and household savings matter of concern, says new report

Aggregate savings rate declined to 30.2% in FY23 from 31.7% of GDP in FY19, says research paper co-authored by C Rangarajan, Director, Madras School of Economics.

Borrowers could also see some relief on the interest-rate front.

Updated : Dec 29, 2025

New year, new rules: How banking, credit scores, salaries and household costs change from Jan 1

For Union and state government employees, the new year may bring a pay hike. The 8th Pay Commission is expected to come into force from January 1, 2026, as the tenure of the 7th Pay Commission ends on December 31, 2025.

Financial discipline does not start with higher income but with reducing high-cost liabilities, particularly loans taken to finance assets that depreciate over time.

Updated : Dec 28, 2025

Paying EMIs at 18%? Why clearing costly NBFC debt matters more than starting SIPs

Beyond the financial impact, the emotional toll of persistent debt is very high and it erodes peace of mind and shifts people from long-term planning to short-term survival.

Equity ETFs continue to dominate, with 25 lakh new folios added in the last 12 months.

Updated : Dec 27, 2025

India’s ETF industry crosses ₹10 lakh crore AUM milestone as retail participation surges: Report

ETF trading activity has also surged dramatically. From ₹51,000 crore in FY20, trading volumes have jumped over seven-fold to ₹3.83 lakh crore in FY25. In just the first half of FY26, volumes have already hit ₹3.2 lakh crore, nearly equalling last year’s total.

With the December 31, 2025 deadline approaching for a specific group of PAN holders, experts advise early compliance to avoid last-minute glitches and potential financial disruptions.

Updated : Dec 27, 2025

PAN-Aadhaar linking: What taxpayers must do before December 31, 2025. What happens if you don’t

The Central Board of Direct Taxes (CBDT) has issued a directive targeting individuals who obtained their PAN using an Aadhaar enrolment ID instead of their actual Aadhaar number. Such PAN holders must complete Aadhaar-PAN linking by December 31, 2025.

The sales of apartments in the region have registered an increase of over 15% on a year-over-year basis.

Updated : Dec 23, 2025

Real estate 2025: Gurugram shines the most in Delhi-NCR market

Gurugram dominated the segment, accounting for an overwhelming 91% of NCR’s luxury sales, helping the region secure nearly 65% of luxury home transactions across the top seven cities.

In India, silver traded above ₹2 lakh per kilogram, posting firm rates at around ₹223 per gram.

Updated : Dec 23, 2025

Silver price hits record high, up 141% in 2025

Silver prices reached an all-time high of $69.98 per ounce on Tuesday driven by supply shortages, robust industrial use—especially in renewables—and firm investor demand.

The financial expert also warned against blindly following market trends.

Updated : Dec 21, 2025

Discipline over dopamine: CA shares 6 hard wealth truths every new investor learns the painful way

Greed during rallies, fear during corrections and FOMO when others appear to be winning can derail even sound strategies. Without a clear plan, emotions begin to dictate trades, frequently ending in regret.

Tata Motors said it received over 70,000 confirmed bookings for the new Sierra on the very first day, with order books opening on December 16.

Updated : Dec 21, 2025

Love the Tata Sierra? Smart money tips to buy it without letting EMIs drive your finances off-road

The Tata Sierra may be an emotional comeback, but buying it should be a rational decision. In an age where Instagram sells aspiration faster than affordability, doing the math may be the smartest upgrade buyers can make before driving their dream home.

A key feature of EES-2025 is the relief it offers on past liabilities.

Updated : Dec 20, 2025

EPFO’s EES-2025 offers employers one-time chance to regularise past EPF non-compliance

The facility applies to employees who were left out of EPF coverage between July 1, 2017, and October 31, 2025. By opening a time-bound window, EPFO aims to encourage voluntary compliance and reduce disputes arising from delayed or missed enrolments.

The payment is considered full compliance under all three schemes administered by the Employees’ Provident Fund Organisation (EPFO).

Updated : Dec 19, 2025

Employers get six months to regularise EPF omissions without full penalties

The Ministry of Labour and Employment introduces EES 2025, enabling employers to enrol workers left out of EPF between July 2017 and October 2025, with reduced penalties and a focus on formalising social security coverage.

Earlier, EPF members could withdraw only their own contributions with interest, usually limited to 50–100% depending on the reason.

Updated : Dec 18, 2025

Big EPFO changes: Withdraw PF via ATM & UPI by March 2026, says labour minister

Union Labour Minister Mansukh Mandaviya announced that EPFO subscribers will soon be able to withdraw their provident fund directly through ATMs and UPI, eliminating lengthy paperwork. He said the new digital withdrawal options are expected to be rolled out before March 2026. The move aims to make EPF access faster, simpler and more member-friendly.

P2M volumes rose 35% year-on-year to 37.46 billion transactions, outpacing 29% growth in P2P transfers.

Updated : Dec 18, 2025

UPI on fast track: Payments jump 34% as QR codes cross 709 million in India, says report

UPI processed a record 59.33 billion transactions during the quarter, up from 44.44 billion in Q3 2024. Transaction value climbed 21% to Rs 74.84 lakh crore.

Kaushik outlined three basic principles that, if followed consistently, could dramatically change long-term financial outcomes.

Updated : Dec 14, 2025

No stock tips, no shortcuts: Here’s how middle-class Indians can build ₹3-6 crore wealth

A financial expert stressed that this approach does not depend on market timing, stock tips, or shortcuts. Instead, it relies on patience and the power of compounding.

The new Labour Codes consolidate 29 labour laws into four unified codes covering wages, industrial relations, social security and working conditions.

Updated : Dec 13, 2025

New labour code: How in-hand salary, wage structure, savings would change from now on

Under the new framework, social security-linked contributions such as statutory PF, NPS contributions (where applicable), gratuity and other retirement-linked benefits are expected to increase for many employees, especially where existing salary structures do not meet the prescribed 50% threshold.

Under the labour codes, if allowances exceed 50% of total pay, the extra portion must be added back to “wages” for statutory deductions.

Updated : Dec 11, 2025

Govt ends confusion: New Labour Codes won’t cut your take-home pay if PF stays on Rs 15,000 ceiling

The Labour Ministry has confirmed that employees whose PF is calculated on the Rs 15,000 statutory wage ceiling will see no reduction in take-home pay. Any PF contribution beyond this limit remains voluntary and could tweak the take-home salary then.

Once the 8th Pay Commission is implemented, the existing DA will be folded into the revised basic pay, recalibrating your entire salary structure, allowances and retirement benefits.

Updated : Dec 9, 2025

8th Pay Commission: What happens to your DA hike until the new pay panel comes into effect?

The 8th Pay Commission has already been set up, and its Terms of Reference (ToR) were cleared by Prime Minister Narendra Modi on October 28. The Finance Ministry then formally issued the ToR through a resolution on November 3.

According to experts, employers will need to rebalance salary break-ups, especially for employees who currently draw large allowances or flexible components.

Updated : Dec 11, 2025

Labour codes 2025: How your wage structure will change now - check impact on salary structure, PF, tax

Under the new framework, wages, comprising basic pay, dearness allowance (DA) and retaining allowance, must account for at least 50% of total remuneration.

IndiGo has outlined specific processes for refunds, rebooking, and its Plan B policy to address affected ticket holders' needs.

Updated : Dec 6, 2025

Government steps in: IndiGo told to clear refunds; here’s how refunds, rebooking and Plan B will work for stranded travellers

IndiGo’s nationwide disruptions have intensified, leaving thousands of travellers stranded across major airports. With cancellations piling up, the government has stepped in, ordering the airline to clear all pending refunds and suspend rescheduling fees. As operational challenges persist, understanding IndiGo’s refund, rebooking and Plan B processes has become essential for affected passengers.

IndiGo’s nationwide disruptions intensified on Friday, with over 400 flights cancelled and major airports reporting widespread delays.

Updated : Dec 5, 2025

IndiGo flight cancelled? Check refund rules, DGCA compensation, rebooking, and your rights

IndiGo’s mass flight cancellations have left thousands of passengers seeking clarity on refunds and compensation. Here’s a quick guide to what the airline offers and what DGCA rules entitle you to.