Learn money, in plain words
Guides on EPF, NPS, tax, credit cards, credit scores, loans and investing, each fact linked to RBI, EPFO, the tax department or the bank that said it. Then a calculator to try it on your own numbers.
Trending in money this month
Get these on WhatsApp- Jio Platforms IPO: date, price band, lot size and how to applyInvesting · 16 October 2026 · Updated 19 October 2026
- Muhurat trading 2026: date, time and session timings for Diwali on 8 NovemberInvesting · 19 October 2026
- Is LTCG tax on shares being removed? What the government said in October 2026Income tax · 19 October 2026
- Form 141: TDS on property and rent above ₹50,000 now on one form, replacing 26QB and 26QCIncome tax · 19 October 2026
- Zetwerk IPO: date, price band, lot size and allotment dateInvesting · 16 October 2026
- Gold mutual funds stop new SIPs and lump sums from 16 October 2026: what you can still doInvesting · 17 October 2026
Latest
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 minIncome 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 minIncome 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 minInvestingGold 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 minInvestingSME 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 minInvestingJio 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
Calculators
SIP calculatorLoan EMI calculatorCredit card EMI vs personal loanMinimum due calculatorCredit utilisation calculatorCredit score simulatorPPF calculatorFixed deposit calculatorIncome tax calculator: old vs new regimeEPF calculatorNPS calculatorGratuity calculatorHRA exemption calculatorSalary calculator: CTC to take-homeFee waiver calculator
Rates and calendars
Bank holidays
State-wise bank holidays from the RBI list, October to December 2026.
OpenCredit card changes tracker
Reward cuts, lounge rules and new fees announced by banks in 2026.
OpenFD rates compared
Fixed deposit rates at 17 banks for general and senior citizens.
OpenRepo and small savings rates
The RBI repo rate and PPF, SSY and SCSS rates, now and since 2019.
OpenIncome tax calendar
Advance tax, ITR and TDS deadlines through August 2027.
OpenWhich ITR form should I file?
Find your return form, the documents to collect and the dates that apply.
OpenIPO calendar and GMP
Open and upcoming IPOs with price band, lot size, GMP today and allotment dates.
OpenStock market holidays
Days NSE and BSE are closed for trading, with Muhurat trading.
Open
Credit cards
Fee waivers, rewards, interest-free days, minimum due and the RBI rules behind your card.
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 minCredit 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 minCredit 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
Credit score
What CIBIL and the other bureaus look at, and the habits that move your score.
Loans and EMIs
EMIs, card EMI against personal loans, APR and the Key Fact Statement.
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 minLoans 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 minLoans 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
Investing
SIPs, compounding, inflation and what calculators cannot tell you.
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 minInvestingGold 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 minInvestingSME 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
Salary and retirement
EPF, NPS, gratuity and your payslip, under the labour codes and the ₹25,000 PF ceiling.
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 minSalary 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 minSalary 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 tax
The new Income-tax Act, old against new regime, HRA and what is tax free.
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 minIncome 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 minIncome 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 changed
Rule changes that touch your money, month by month, with the dates they start.
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 minWhat 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 minWhat 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
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