PF Transfer Stuck? Fix UAN, Exit Date, and Service History Using This Decision Tree
February 25, 2026
When you switch jobs, your EPF balance must be transferred from the old Member ID to the new one under the same UAN. While the process is largely digital now, delays still happen due to data mismatches, incomplete employer actions, ... Read more
PF Interest Not Showing? Here’s When It Updates (And When to Worry)
February 25, 2026
Many EPF subscribers panic when they check their PF passbook and do not see annual interest credited. The confusion happens because EPF interest is calculated monthly but credited once a year after formal declaration and processing. The Employees’ Provident Fund ... Read more
Salary Split System: Automate Savings on Day 1 (Accounts + Rules That Stick)
February 25, 2026
Most salaried individuals follow this pattern: salary gets credited, expenses happen naturally, and whatever remains at month-end becomes “savings.” The problem is that month-end leftovers are unpredictable. Lifestyle creep and impulse spending consume surplus silently. Data from household finance surveys ... Read more
Emergency Fund in India: How Much You Need + Where to Keep It (No Confusion)
February 25, 2026
An emergency fund is not an investment. It is a financial shock absorber. Job loss, medical emergencies, sudden relocation, or unexpected repairs can disrupt income immediately. Without liquid savings, most people rely on credit cards or personal loans with interest ... Read more
Health Insurance Claim-Proof Checklist: What to Do Before Hospitalization to Avoid Rejections
February 24, 2026
Health insurance protects you from high medical expenses, but many claims get rejected due to avoidable mistakes. Missing documents, policy exclusions, room rent limits, or incorrect procedures often lead to financial loss when you need support the most. Most claim ... Read more
Term Insurance in India: The Practical Selection Guide (No Agent Scripts, Just Rules)
February 24, 2026
Term insurance is one of the most important financial products for protecting your family’s future. Yet many buyers choose policies based on agent recommendations, brand marketing, or low premiums — often without understanding coverage, claim conditions, or policy terms. The ... Read more
Insurance Audit Checklist: Cut Waste Premiums Without Taking Dangerous Risks
February 24, 2026
Many people buy multiple insurance policies over time without reviewing what they already have. The result is overlapping coverage, unnecessary riders, high premiums, and confusion during claims. Insurance should protect financial risk — not drain your income. An insurance redundancy ... Read more
Home Loan Statement Audit: Hidden Charges and Errors You Can Catch (Most Borrowers Don’t)
February 24, 2026
Most home loan borrowers never check their loan statements carefully. They assume banks calculate everything correctly and simply continue paying EMIs for years. But small errors, hidden charges, and incorrect interest calculations can cost thousands — sometimes lakhs — over ... Read more
Demat Cleanup Checklist 2026: 12 Fixes That Prevent Account Freezes and Claim Headaches Later
February 21, 2026
Most investors focus on buying and selling shares but ignore an equally important task — maintaining their demat account properly. Many account freezes, claim delays, and transaction failures occur not because of market issues but due to incomplete account details, ... Read more
SEBI’s AIF NAV Upload Mandate: What It Changes for Investors and Why It Was “Inevitable”
February 21, 2026
Alternative Investment Funds have grown rapidly in India, attracting high-net-worth and institutional investors seeking diversification beyond traditional mutual funds and equities. However, limited transparency around valuation and reporting has long been a concern in this segment. The AIF NAV upload ... Read more