Author: Naresh Saini

The Pradhan Mantri Mudra Yojana (PMMY) has completed 10 successful years in 2025. Started in April 2015, this scheme has helped crores of people in villages, small towns, and cities by giving them financial help to start or grow small businesses. The scheme is a big step towards making people self-reliant and promoting entrepreneurship in India. Now, after ten years, the government has expanded this scheme even further. In Budget 2025, the loan limit under Mudra Yojana has been increased from Rs.10 lakh to Rs.20 lakh. This change is expected to help more people start or grow their businesses without…

Retirement planning may feel like a far-away concern when you’re just 25 years old, but the earlier you start, the bigger your wealth can grow. One of the simplest and safest ways salaried employees build retirement savings in India is through the Employees’ Provident Fund (EPF). If your basic salary is Rs.20,000 per month at the age of 25, and you get a 10% annual salary increment, your EPF fund can grow into a significant retirement corpus by the time you turn 60. This growth happens due to the power of compounding, regular contributions from both employer and employee, and…

The MWP Act, also known as the Married Women’s Property Act, 1874, is a powerful legal tool that many people are not aware of. But this small step can bring a big change in your family’s financial security. In India, the law can be used to protect life insurance money from being claimed by creditors or anyone else if the policyholder faces financial trouble or passes away with unpaid loans. In simple words, this law can make sure that life insurance money goes only to your wife and children, no matter what. How the MWP Act Works in Life Insurance…

The Indian stock market has seen high volatility in recent days. On April 7, 2025, the Sensex fell nearly 3% and the Nifty dropped over 3.24%. At the opening bell, the fall was even sharper—both indices had lost over 4% in early trade. This sudden drop was due to global uncertainty, mainly caused by fresh tariffs imposed by US President Donald Trump. But even during such uncertain times, smart investors are looking for the right ways to grow their money. If you have Rs.10 lakh and want to invest it today, what are the best options? How can you balance…

In India, gold is not just a precious metal—it is a tradition, a status symbol, and for many, a way to secure their financial future. People buy gold during weddings, festivals and also as an investment for long-term wealth. However, despite its popularity, there are many misconceptions and false beliefs about gold investment. These myths can lead to poor financial decisions or missed opportunities. It is important to separate facts from fiction to make the right investment decisions. In this article, we will break down 5 major gold investment myths that most people believe and reveal the actual truth behind…

When you switch jobs, managing your Employee Provident Fund (EPF) account is crucial. Many employees wonder, “What happens to my PF account when I change my job?” The good news is that transferring your PF balance from one employer to another is now easier than ever, thanks to the Unified Member Portal (UAN) introduced by the Employees’ Provident Fund Organisation (EPFO). Transferring your PF account ensures that your savings remain intact and that you continue earning interest on your accumulated balance without any break. In this guide, we will discuss:✔️ The complete process of transferring your PF account.✔️ Documents required…

Gold has always been a preferred investment in India, valued not just for its cultural significance but also for its financial stability. However, storing physical gold comes with security risks and extra costs. The Government of India introduced Sovereign Gold Bonds (SGBs)—a digital, interest-earning alternative to buying physical gold to address these issues. But the question remains: Should you invest in Sovereign Gold Bonds? Let’s explore the advantages, risks, and factors to consider before making your decision. What Are Sovereign Gold Bonds (SGBs)? Sovereign Gold Bonds are government-backed securities issued by the Reserve Bank of India (RBI) on behalf of the Indian…

Life Insurance Corporation of India (LIC) is one of the most trusted insurance providers in the country, offering various life insurance plans tailored to different needs. Among its latest offerings, the LIC Bima Sakhi Plan has gained attention for its unique benefits and eligibility criteria. This policy provides a mix of savings and protection, making it an attractive choice for individuals looking for financial security. What is LIC Bima Sakhi Plan? LIC Bima Sakhi Plan is a non-linked, non-participating life insurance policy that offers financial protection to policyholders and their families. It provides guaranteed benefits upon maturity, along with life…

The Employees’ Provident Fund (EPF) is an essential financial safety net for salaried employees in India. It helps individuals save for their retirement while also providing the flexibility to withdraw funds in times of need. However, many employees face PF claim rejections due to errors in documentation, incomplete details, or technical reasons. If your PF withdrawal claim has been rejected, you might wonder:✅ When can I apply again?✅ What steps should I follow to avoid another rejection?✅ What are the common reasons behind PF claim rejections? This guide answers all your questions in simple language and helps you successfully reapply…

The Haryana government is taking strict action against individuals who are wrongly benefiting from government schemes using fake Below Poverty Line (BPL) ration cards. Thousands of names have already been removed from the BPL list, and now, those who continue to misuse the benefits may face legal consequences, including an FIR. Government’s Strict Action Against Fake BPL Card Holders Haryana has a total of approximately 51.96 lakh BPL families. However, after a thorough verification process, authorities have removed 1,609 names from the list. The government has started sending SMS alerts to people, urging them to update their family income details…