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Plain writing about money in India, by the Saifu team and guest writers. Write for us.
InvestingMuhurat trading 2026: date, time and session timings for Diwali on 8 NovemberMuhurat trading 2026 is on Sunday 8 November, with normal trading from 2:20 pm to 3:30 pm and pre-open from 2:05 pm, under NSE's 19 October circular.Saifu team · 19 October 2026 · 3 min
Income taxIs LTCG tax on shares being removed? What the government said in October 2026LTCG tax on shares and equity funds has not changed. The Finance Minister said on 13 October 2026 she will hear views before Budget 2027-28.Saifu team · 19 October 2026 · 3 min
Income taxForm 141: TDS on property and rent above ₹50,000 now on one form, replacing 26QB and 26QCForm 141 replaces Forms 26QB, 26QC, 26QD and 26QE. Who must file it, TDS rates, the 30-day deadline, and the new NRI property schedule from 1 October 2026.Saifu team · 19 October 2026 · 4 min
InvestingGold mutual funds stop new SIPs and lump sums from 16 October 2026: what you can still doAbout 17 fund houses stopped new money into gold fund of funds from 15 and 16 October 2026. Existing SIPs and redemptions continue.Saifu team · 17 October 2026 · 3 min
InvestingSME IPO new rules: SEBI proposes ₹1 lakh minimum and trading in single sharesSEBI's 14 October 2026 proposal would cut the minimum SME IPO application from over ₹2 lakh to ₹1 lakh and let SME shares trade one at a time.Saifu team · 17 October 2026 · 3 min
InvestingJio Platforms IPO: date, price band, lot size and how to applyJio Platforms IPO opens on 21 October 2026 at ₹1,065 to ₹1,119 a share. Lot size, minimum amount, quotas, allotment and listing dates.Saifu team · 16 October 2026 · 3 min
InvestingZetwerk IPO: date, price band, lot size and allotment dateZetwerk's ₹5,012 crore IPO is open from 15 to 19 October 2026 at ₹143 to ₹151 a share. Lot size, minimum amount, quotas and listing date.Saifu team · 16 October 2026 · 3 min
InvestingStock market closing time changes from 7 December 2026: SEBI's new closing auction timingsFrom 7 December 2026, normal trading in F&O stocks runs until 3:30 pm again, the closing auction moves to 3:30 to 3:40 pm and F&O trades until 3:45 pm.Saifu team · 16 October 2026 · 4 min
Credit cardsEternal SBI Card: fees, Zomato and Blinkit discounts, and how to applySBI Card and Zomato's parent Eternal launched a card on 15 October 2026. The ₹499 fee, 10% app discounts, cashback caps and how to apply from 22 October.Saifu team · 16 October 2026 · 2 min
What changedTrain tickets bought at the station counter get insurance from 27 OctoberThe Supreme Court has told Railways to insure counter tickets like online ones from 27 October 2026. What the online cover pays and what is still unclear.Saifu team · 16 October 2026 · 2 min
What changedYes Bank AT1 bonds: what the Supreme Court ruling means for bondholders and depositorsOn 15 October 2026 the Supreme Court held the ₹8,415 crore write-off of Yes Bank AT1 bonds illegal. What it means for bondholders and depositors.Saifu team · 16 October 2026 · 3 min
What changedIDBI Bank is being sold to Fairfax: what happens to your account, FD and loanThe Cabinet approved the sale of 60.72% of IDBI Bank to Fairfax on 14 October 2026. Your account, FD and loan carry on as before. What to know.Saifu team · 15 October 2026 · 2 min
What changedSBI warns of the jumped deposit UPI scam and 30% monthly return offersSBI warned on 10 and 12 October 2026 about money sent by mistake that is a trap, and fake schemes promising 30% a month. How the tricks work and what to do.Saifu team · 14 October 2026 · 3 min
What changedNew online shopping rules from 1 January 2027: real discounts, clear fees, faster complaintsFrom 1 January 2027, shopping sites must show the lowest price of the last 30 days next to a sale price and answer complaints within 48 hours.Saifu team · 12 October 2026 · 2 min
What changedPaid by clients abroad? RBI's new export rules from 1 October 2026 explainedRBI's new export rules started on 1 October 2026. What freelancers, tutors and creators paid from abroad need to know about the EDF and the 9-month limit.Saifu team · 11 October 2026 · 3 min
What changedIRDAI plans to cap insurance commissions: what it could mean for your policyIRDAI proposed caps on insurance commissions and a ban on forcing insurance with loans on 23 September 2026. Nothing changes yet. What it means for you.Saifu team · 10 October 2026 · 3 min
Income taxGST Council, 8 October 2026: no rate cuts, 5% GST on app delivery chargesThe 57th GST Council kept rates unchanged, backed 5% GST on delivery through shopping and food apps, and moved to end GST arrests. What it means for you.Saifu team · 9 October 2026 · 3 min
What changedNew Aadhaar name change rules from 18 September 2026: documents you needUIDAI's new rules from 18 September 2026 for fixing your name in Aadhaar: which changes need only ID proof, an affidavit or a Gazette notice.Saifu team · 9 October 2026 · 2 min
Loans and EMIsRBI raises repo rate to 5.5% on 7 October 2026: what it means for your EMI and FDRBI raised the repo rate from 5.25% to 5.5% on 7 October 2026. How much loan EMIs can rise, when banks pass it on, and what happens to FD rates.Saifu team · 7 October 2026 · 6 min
Credit cardsDo credit card reward points expire?Many cards let points lapse after one to three years. What the bank documents say across 230 Indian cards, and how to check yours before points disappear.Saifu team · 6 October 2026 · 2 min
Credit cardsWhich credit card to use in a big online saleBank sale offers come with caps, minimum orders and exclusions. How to work out which card saves the most on your order, using this year's Amazon and Flipkart sales.Saifu team · 6 October 2026 · 2 min
What changedMoney rules changing in October 2026: PF, UPI, NPS, SBI and moreEvery money change for October 2026 in one place: the ₹25,000 PF ceiling, UPI merchant fees, NPS charges, SBI ATM limits, small savings rates and deadlines.Saifu team · 5 October 2026 · 8 min
Salary and retirementEPF wage ceiling raised to ₹25,000: what changes on your payslipThe PF wage ceiling went from ₹15,000 to ₹25,000 on 17 September 2026. What it means for take-home pay, your EPF balance and your EPS pension.Saifu team · 5 October 2026 · 3 min
What changedUPI charges above ₹2,000 delayed until after Diwali: do you pay?NPCI has put off the 0.4% merchant fee on UPI payments above ₹2,000, due on 15 October 2026, until after Diwali. Customers pay nothing either way.Saifu team · 5 October 2026 · 2 min
Salary and retirementEPF withdrawal rules 2026: how much you can take out, and whenUnder the EPF Scheme, 2026 you can withdraw up to 75% of your balance after 12 months of service. The reasons, the limits and the new waits.Saifu team · 5 October 2026 · 3 min
Salary and retirementNPS withdrawal rules 2026: take up to 80% as a lump sumSince December 2025, non-government NPS subscribers can take up to 80% at exit, and all of it below ₹8 lakh. The new rules, the tax catch and the charges.Saifu team · 5 October 2026 · 2 min
Income taxHRA: Bengaluru, Hyderabad, Pune and Ahmedabad now get the 50% limitFrom tax year 2026-27, eight cities get the 50% HRA limit, up from four. How the exemption works and how much more tax-free HRA you could claim.Saifu team · 5 October 2026 · 1 min
Income taxThe new Income-tax Act, 2025: what changed for salaried peopleThe 1961 Act was replaced on 1 April 2026. Tax year, new section numbers, Form 130 instead of Form 16, and what stayed the same for 2026-27.Saifu team · 5 October 2026 · 2 min
Loans and EMIsGold loan rules from April 2026: how much you can borrowRBI's tiered loan-to-value limits for gold loans: 85% up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above. Plus valuation and the 7-day return rule.Saifu team · 5 October 2026 · 2 min
Loans and EMIsCredit card EMI or personal loan: which costs less?How interest, GST and processing fees change the real cost of a card EMI, a no-cost EMI and a personal loan, with the RBI rules behind them.Saifu team · 5 October 2026 · 2 min
Credit scoreYour credit score in India, explainedWhat a CIBIL score is, what moves it, what NA or NH means, and how to check yours for free without lowering it.Saifu team · 5 October 2026 · 2 min
Credit cardsHow credit card fee waivers work in IndiaWhat counts towards the spend that waives your annual fee, what usually does not, and how to tell in time whether you will make it.Saifu team · 5 October 2026 · 2 min
Credit cardsThe minimum due trap on credit cardsWhy paying only the minimum amount due keeps you in debt for years, what RBI rules protect you, and how to get out faster.Saifu team · 5 October 2026 · 2 min
InvestingSIP basics: how monthly investing growsWhat a SIP is, how the growth is worked out, why a yearly step-up matters, and what a SIP calculator cannot tell you.Saifu team · 5 October 2026 · 1 min
Salary and retirementEPF explained: contributions, interest, pension and taxHow EPF works in 2026: the 12% contributions, where the employer's share goes, how 8.25% interest is worked out, the EPS pension and when EPF is taxed.Saifu team · 4 October 2026 · 2 min
Salary and retirementGratuity under the new labour codes: who gets it and how muchGratuity after 1 year for fixed-term staff, the 50% wage rule, the 15/26 formula and the ₹20 lakh tax-free limit, explained for 2026.Saifu team · 4 October 2026 · 2 min
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