https://saifu.in/blog/Plain writing about Indian credit cards.en-in https://saifu.in/blog/muhurat-trading-2026-date-time/https://saifu.in/blog/muhurat-trading-2026-date-time/Mon, 19 Oct 2026 00:00:00 GMTMuhurat 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. https://saifu.in/blog/ltcg-tax-on-shares-review-october-2026/https://saifu.in/blog/ltcg-tax-on-shares-review-october-2026/Mon, 19 Oct 2026 00:00:00 GMTLTCG 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. https://saifu.in/blog/form-141-tds-property-rent-replaces-26qb-26qc/https://saifu.in/blog/form-141-tds-property-rent-replaces-26qb-26qc/Mon, 19 Oct 2026 00:00:00 GMTForm 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. https://saifu.in/blog/gold-fund-of-funds-new-investments-stopped-october-2026/https://saifu.in/blog/gold-fund-of-funds-new-investments-stopped-october-2026/Sat, 17 Oct 2026 00:00:00 GMTAbout 17 fund houses stopped new money into gold fund of funds from 15 and 16 October 2026. Existing SIPs and redemptions continue. https://saifu.in/blog/sebi-sme-ipo-rules-proposal-october-2026/https://saifu.in/blog/sebi-sme-ipo-rules-proposal-october-2026/Sat, 17 Oct 2026 00:00:00 GMTSEBI'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. https://saifu.in/blog/jio-platforms-ipo-date-price-band-lot-size/https://saifu.in/blog/jio-platforms-ipo-date-price-band-lot-size/Fri, 16 Oct 2026 00:00:00 GMTJio Platforms IPO opens on 21 October 2026 at ₹1,065 to ₹1,119 a share. Lot size, minimum amount, quotas, allotment and listing dates. https://saifu.in/blog/zetwerk-ipo-date-price-band-lot-size/https://saifu.in/blog/zetwerk-ipo-date-price-band-lot-size/Fri, 16 Oct 2026 00:00:00 GMTZetwerk'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. https://saifu.in/blog/stock-market-closing-time-change-december-2026/https://saifu.in/blog/stock-market-closing-time-change-december-2026/Fri, 16 Oct 2026 00:00:00 GMTFrom 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. https://saifu.in/blog/eternal-sbi-card-zomato-blinkit-fees-benefits/https://saifu.in/blog/eternal-sbi-card-zomato-blinkit-fees-benefits/Fri, 16 Oct 2026 00:00:00 GMTSBI 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. https://saifu.in/blog/train-ticket-insurance-counter-tickets-october-2026/https://saifu.in/blog/train-ticket-insurance-counter-tickets-october-2026/Fri, 16 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/yes-bank-at1-bonds-supreme-court-october-2026/https://saifu.in/blog/yes-bank-at1-bonds-supreme-court-october-2026/Fri, 16 Oct 2026 00:00:00 GMTOn 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. https://saifu.in/blog/idbi-bank-sale-fairfax-october-2026/https://saifu.in/blog/idbi-bank-sale-fairfax-october-2026/Thu, 15 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/sbi-jumped-deposit-scam-october-2026/https://saifu.in/blog/sbi-jumped-deposit-scam-october-2026/Wed, 14 Oct 2026 00:00:00 GMTSBI 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. https://saifu.in/blog/online-shopping-rules-january-2027/https://saifu.in/blog/online-shopping-rules-january-2027/Mon, 12 Oct 2026 00:00:00 GMTFrom 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. https://saifu.in/blog/rbi-export-rules-freelancers-october-2026/https://saifu.in/blog/rbi-export-rules-freelancers-october-2026/Sun, 11 Oct 2026 00:00:00 GMTRBI'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. https://saifu.in/blog/irdai-insurance-commission-caps-proposal-2026/https://saifu.in/blog/irdai-insurance-commission-caps-proposal-2026/Sat, 10 Oct 2026 00:00:00 GMTIRDAI 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. https://saifu.in/blog/gst-council-57th-meeting-october-2026/https://saifu.in/blog/gst-council-57th-meeting-october-2026/Fri, 09 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/aadhaar-name-update-rules-2026/https://saifu.in/blog/aadhaar-name-update-rules-2026/Fri, 09 Oct 2026 00:00:00 GMTUIDAI'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. https://saifu.in/blog/rbi-repo-rate-hike-october-2026/https://saifu.in/blog/rbi-repo-rate-hike-october-2026/Wed, 07 Oct 2026 00:00:00 GMTRBI 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. https://saifu.in/blog/credit-card-points-expiry/https://saifu.in/blog/credit-card-points-expiry/Tue, 06 Oct 2026 00:00:00 GMTMany 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. https://saifu.in/blog/which-credit-card-for-big-online-sales/https://saifu.in/blog/which-credit-card-for-big-online-sales/Tue, 06 Oct 2026 00:00:00 GMTBank 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. https://saifu.in/blog/money-changes-october-2026/https://saifu.in/blog/money-changes-october-2026/Mon, 05 Oct 2026 00:00:00 GMTEvery 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. https://saifu.in/blog/epf-wage-ceiling-25000/https://saifu.in/blog/epf-wage-ceiling-25000/Mon, 05 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/upi-charges-above-2000/https://saifu.in/blog/upi-charges-above-2000/Mon, 05 Oct 2026 00:00:00 GMTNPCI 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. https://saifu.in/blog/epf-withdrawal-rules-2026/https://saifu.in/blog/epf-withdrawal-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTUnder 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. https://saifu.in/blog/nps-withdrawal-rules-2026/https://saifu.in/blog/nps-withdrawal-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTSince 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. https://saifu.in/blog/hra-50-percent-eight-cities/https://saifu.in/blog/hra-50-percent-eight-cities/Mon, 05 Oct 2026 00:00:00 GMTFrom 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. https://saifu.in/blog/income-tax-act-2025-what-changed/https://saifu.in/blog/income-tax-act-2025-what-changed/Mon, 05 Oct 2026 00:00:00 GMTThe 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. https://saifu.in/blog/gold-loan-rules-2026/https://saifu.in/blog/gold-loan-rules-2026/Mon, 05 Oct 2026 00:00:00 GMTRBI'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. https://saifu.in/blog/card-emi-vs-personal-loan/https://saifu.in/blog/card-emi-vs-personal-loan/Mon, 05 Oct 2026 00:00:00 GMTHow 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. https://saifu.in/blog/credit-score-explained/https://saifu.in/blog/credit-score-explained/Mon, 05 Oct 2026 00:00:00 GMTWhat a CIBIL score is, what moves it, what NA or NH means, and how to check yours for free without lowering it. https://saifu.in/blog/how-fee-waivers-work/https://saifu.in/blog/how-fee-waivers-work/Mon, 05 Oct 2026 00:00:00 GMTWhat counts towards the spend that waives your annual fee, what usually does not, and how to tell in time whether you will make it. https://saifu.in/blog/minimum-due-trap/https://saifu.in/blog/minimum-due-trap/Mon, 05 Oct 2026 00:00:00 GMTWhy paying only the minimum amount due keeps you in debt for years, what RBI rules protect you, and how to get out faster. https://saifu.in/blog/sip-basics/https://saifu.in/blog/sip-basics/Mon, 05 Oct 2026 00:00:00 GMTWhat a SIP is, how the growth is worked out, why a yearly step-up matters, and what a SIP calculator cannot tell you. https://saifu.in/blog/epf-explained/https://saifu.in/blog/epf-explained/Sun, 04 Oct 2026 00:00:00 GMTHow 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. https://saifu.in/blog/gratuity-labour-codes/https://saifu.in/blog/gratuity-labour-codes/Sun, 04 Oct 2026 00:00:00 GMTGratuity 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.