List of 24 Cancelled Trains

1. Train No. 14112, Prayagraj Junction-Muzaffarpur Express, will be cancelled from December 1, 2025, to February 25, 2026.

2. Train No. 14111, Muzaffarpur-Prayagraj Junction Express, will be cancelled from December 1, 2025, to February 25, 2026.

3. Train No. 22198, Veerangana Laxmibai (Jhansi)-Kolkata Express, will be cancelled from December 5, 2025, to February 27, 2026.

4. Train No. 22197, Kolkata-Veerangana Laxmibai (Jhansi) Express, will be cancelled from December 7, 2025, to March 1, 2026.

5. Train No. 12327, Howrah-Dehradun Upasana Express, will be cancelled from December 2, 2025, to February 27, 2026.

6. Train No. 12328, Dehradun-Howrah Upasana Express, will be cancelled from December 3, 2025, to February 28, 2026.

7. Train No. 14003, Malda Town-New Delhi Express, will be cancelled from December 6, 2025, to February 28, 2026.

8. Train No. 14004, New Delhi-Malda Town Express, will be cancelled from December 4, 2025, to February 26, 2026.

9. Train No. 14523, Barauni-Ambala Harihar Express, will be cancelled from December 4, 2025, to February 26, 2026.

10. Train No. 14524, Ambala-Barauni Harihar Express, will remain cancelled from December 2, 2025, to February 24, 2026.

11. Train No. 14617, Purnia Court-Amritsar Janseva Express, will remain cancelled from December 3, 2025, to March 2, 2026.

12. Train No. 14618, Amritsar-Purnia Court Janseva Express, will remain cancelled from December 1, 2025, to February 28, 2026.

13. Train No. 15903, Dibrugarh-Chandigarh Express, will remain cancelled from December 1, 2025, to February 27, 2026.

14. Train No. 15904, Chandigarh-Dibrugarh Express, will remain cancelled from December 3, 2025, to March 1, 2026.

15. Train No. 15620, Kamakhya-Gaya Express, will remain cancelled from December 1, 2025, to February 23, 2026.

16. Train No. 15619, Gaya-Kamakhya Express, will remain cancelled from December 2, 2025, to February 24, 2026.

17. Train No. 15621, Kamakhya-Anand Vihar Express, will remain cancelled from December 4, 2025, to February 26, 2026.

18. Train No. 15622, Anand Vihar-Kamakhya Express, will remain cancelled from December 5, 2025, to February 27, 2026.

19. Train No. 12873, Hatia-Anand Vihar Express, will remain cancelled from December 1, 2025, to February 26, 2026.

20. Train No. 12874, Anand Vihar-Hatia Express, will remain cancelled from December 2, 2025, to February 27, 2026.

21. Train No. 22857, Santragachi-Anand Vihar Express, will remain cancelled from December 1, 2025, to March 2, 2026.

22. Train No. 22858, Anand Vihar-Santragachi Express, will remain cancelled from December 2, 2025, to March 3, 2026.

23. Train No. 18103, Tata-Amritsar Express, will remain cancelled from December 1, 2025, to February 25, 2026.

24. Train No. 18104, Amritsar-Tata Express, will be canceled from December 3, 2025, to February 27, 2026.

If you are traveling on these trains between December 1 and March 3, or are planning to travel, you will need to find alternatives. It should be noted that Indian Railways cancels many trains in North India every winter due to fog.

Income Tax Refund 2025: Haven’t received your money yet? Millions of taxpayers are worried, CBDT chief reveals the real reason

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Income Tax Refund Delay 2025: Millions of taxpayers filed their income tax returns months ago, but they still haven’t received their refunds. Every morning, taxpayers are checking their bank accounts, but their refunds haven’t arrived. Why are ITR refunds so delayed? CBDT Chairman Ravi Agarwal himself has provided the answer. Let’s explore the details.

CBDT Chairman Explains These Reasons
Inaugurating the Taxpayers’ Lounge at the India International Trade Fair 2025 on Monday, CBDT Chairman Ravi Agarwal said, “In many cases, incorrect or excessive deduction claims have been made. These are being investigated. While small refunds are being issued regularly, the department is taking precautions with suspicious returns. Many taxpayers have been sent messages asking them to file revised returns.” He further stated, “We are trying to ensure that all remaining refunds are issued this month or by December.”

Interest will be charged if the refund is delayed.

Furthermore, he stated that if the refund is delayed through no fault of yours, the government will transfer the refund along with interest. Under Section 244A of the Income Tax Act, taxpayers receive simple interest at the rate of 0.5 percent per month for delayed refunds. However, there are certain conditions.

1. If the ITR is filed on time, interest will be charged from April 1, 2025.

2. If the ITR is filed late, interest will be charged from the date of filing.

3. Interest continues to accrue even during scrutiny, provided the delay is not due to you.

4. However, if the refund is less than ₹100 or is due to an overpayment of self-assessment tax, no interest will be charged.

Refunds can also be withheld due to these five reasons:

1. If the form does not match Form 26AS, AIS, or TIS, the refund is withheld. Refunds can also be withheld due to TDS credit errors, such as incorrect TAN, outdated invoices, or differences in net-gross interest.

2. Furthermore, returns with foreign income, capital gains, income from multiple sources, or high-value transactions face increased scrutiny. This often results in refund delays.

3. Refunds can also be withheld if the taxpayer’s PAN is inoperative, TDS credit is denied, e-verification is not performed, the bank account is not active, or the PAN is not linked to Aadhaar.

4. Furthermore, if e-verification is not completed within 30 days of filing the return, the return is considered invalid.

5. Refunds can also be withheld if there is any outstanding tax from the previous year.

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Pradhan Mantri Fasal Bima Yojana: Taking a big step in the interest of farmers, the government has announced an increase in the scope of the Pradhan Mantri Fasal Bima Yojana. Now, the damage caused to crops due to wild animals and waterlogging has also been included under this scheme. This rule will be applicable from the Kharif 2026 session. According to the information given by the government, under the new rule, if any animal damages a farmer’s insured crop, he will be able to get the insurance amount. But to avail the benefit of crop insurance, the farmer will have to register the information of crop damage caused by wild animals along with geo-tagged photo on the Fasal Bima App within 72 hours.

The government provided this information.
The press release further stated that crop damage caused by wild animals has been recognized as a fifth “add-on cover” under the “localized risk category.” States will be required to identify such affected areas and publish a list of the wild animals causing the damage.

A long-standing demand.
The Ministry of Agriculture and Farmers Welfare said in a statement that this step was taken following long-standing demands from states. It aims to provide relief to farmers from sudden losses. Furthermore, losses due to flooding of paddy crops have been reinstated in the “localized disaster category.” After this risk was removed in 2018, farmers faced difficulties regarding insurance coverage. Paddy farmers in coastal and flood-prone areas often suffer heavy losses due to waterlogging.

These farmers suffered the most.

It should be noted that farmers across the country have long faced crop losses due to attacks by wild animals such as elephants, wild boars, nilgai, deer, and monkeys. This problem particularly troubles farmers cultivating near forests. Until now, such losses were not covered by crop insurance schemes, resulting in significant losses for farmers. Meanwhile, paddy farmers in coastal and flood-prone areas have suffered equally heavy losses due to waterlogging caused by rainfall and overflowing rivers and streams.

These states are included in the proposal.
The report of the expert committee formed in this matter has been approved by Agriculture Minister Shivraj Singh Chouhan. The ministry stated that the new procedures are scientific, transparent, and more practical, allowing for timely and technology-based claim settlement. These provisions are expected to particularly benefit farmers in Odisha, Chhattisgarh, Jharkhand, Madhya Pradesh, Maharashtra, Karnataka, Kerala, Tamil Nadu, Uttarakhand, and the Northeast. Crop damage by wild animals is a major problem in these states. Furthermore, paddy waterlogging coverage will directly benefit farmers in Odisha, Assam, West Bengal, Tamil Nadu, Kerala, Karnataka, Maharashtra, and Uttarakhand.

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PPF Account Interest Rules: The Public Provident Fund (PPF) is one of the most reliable savings schemes for investors. Its maturity period is 15 years, but everyone wonders: if investors stop making new deposits after this period, what will happen to the account, and will they receive any interest? Let’s find out.

Will interest continue to accrue for 15 years?
The unique feature of a PPF account is that even after maturity, investors have the option to close the account and withdraw the funds, or they can extend it. If an investor does not fill out the account extension form and does not make any new deposits, the account goes into passive extension mode. In this state, interest continues to accrue on the balance, even if no new deposits are made.

Is the interest earned on PPF taxable?
Investors can deposit a minimum of ₹500 and a maximum of ₹1.5 lakh annually into PPF. This investment is tax-deductible under Section 80C of the Income Tax Act. Furthermore, the interest earned is tax-free. This is why this scheme is extremely popular among long-term savers and tax planners.

After maturity, investors can extend the account for a period of 5 years. During this time, they can either make new deposits or continue to receive interest on the old balance. If investors choose the active extension option, they must deposit a minimum of ₹500 per year. However, if they choose the passive extension mode, they will continue to earn interest even without making any new deposits.

How much interest is currently being earned?
Currently, PPF offers an annual interest rate of 7.1%. This means that if an investor has a balance of ₹10 lakh in their account and doesn’t add any new funds, they will still earn approximately ₹71,000 in interest each year. This interest will continue to accrue to their account, and the balance will grow over time due to compounding.

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New Delhi. Government employees receive a pension. But many people are unaware that private employees also receive a pension. If you hold a private job, this news may be useful to you. In this news, we’ll explain the minimum and maximum pension amounts in private jobs.

What is the minimum pension under the EPFO?
The minimum pension under the Employees’ Pension Scheme (EPS-95) under the EPFO ​​is currently ₹1,000 per month. This was fixed in 2014 and has remained unchanged since then. The minimum pension under the Employees’ Pension Scheme (EPS-95) is expected to be increased to ₹7,500 from May 2025. This increase is intended to provide retired employees with a more livable pension and will include an inflation-linked dearness allowance (DA) component, which will be adjusted twice a year.

Will the pension increase?
The government will also increase the minimum pension under the EPFO. Work on this has already begun. Various employee organizations have long demanded that the amount of ₹1,000 is too low considering current inflation. Trade unions and various pensioners’ associations have long demanded an increase in the pension amount under the Employees’ Pension Scheme (EPS) to ₹7,500.

However, according to reports, the CBT will not increase the pension by 7.5 times and may consider increasing it by ₹2,500. However, it is not yet clear how much the increase will be. Different media reports are making different claims.

To receive a pension under the EPS, employees must fulfill the necessary conditions. For this, the employee must be an EPFO ​​member and their PF must be deducted for at least 10 years. Pension benefits begin after the age of 58.

How is pension determined under EPFO?
Pension under EPS is calculated using a fixed formula: Pension = (Pensionable Salary × Pensionable Service) ÷ 70

Pensionable Salary is the average basic pay + dearness allowance for the last 60 months of service, with a maximum limit of ₹15,000. Pensionable service represents the total years of service, rounded off if it is 6 months or more, and you need at least 10 years of service to be eligible for a pension.

The maximum limit for pensionable salary is ₹15,000 per month. This means that if a member has served for 35 years, they can receive a maximum pension of ₹7,500 per month.

8th Pay Commission : What kind of issue is this that has heated up regarding pensions? How different is it from the 7th Pay Commission’s proposal?

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The recent notification of the 8th Central Pay Commission for central government employees and pensioners has sparked considerable debate. The Finance Ministry’s notification, issued on November 3, 2025, faces allegations that it excludes central government pensioners and family pensioners from the Commission’s purview.

An employee union has even written to the Finance Ministry objecting to this alleged omission, stating that pension revision is a pensioner’s right.

Let us understand what the 8th CPC notification does and does not say about pensions and pensioners, and how it differs from the 7th CPC notification.

What the 8th CPC Notification Said and Didn’t Say on Pensions
The 8th Pay Commission notification, issued on November 3, 2025, makes no explicit mention of reviewing the pensions paid to existing central government pensioners and family pensioners. Employee organizations have alleged that the government is preparing to exclude 6.9 million pensioners from the Commission’s purview. Amid these allegations, the staff body has called an important meeting.

However, the notification mandates the Commission to review certain pension-related issues under the National Pension System (NPS), including the Unified Pension Scheme (UPS). These primarily include reviewing and making recommendations on death-cum-retirement gratuity for employees covered under the NPS (including UPS).

Reviewing and making recommendations on death-cum-retirement gratuity and pensions for employees not covered under the NPS (including UPS). That is, the focus is primarily on aspects related to gratuity and NPS, and not on pension revision for existing pensioners under the old pension system.

What is the difference between the 7th CPC and the pension issue?
The 7th Pay Commission notification was issued by the Ministry of Finance on February 28, 2014. Unlike the 8th CPC, the 7th CPC notification explicitly directed the Pension Commission to examine the principles governing the structure of pensions and other retirement benefits.

This also included a review of pension revisions for employees who retired before the implementation of the 7th CPC, keeping in mind that employees appointed after January 1, 2004, are covered under the New Pension Scheme (NPS).

The notification stated, “To examine the principles governing the structure of pensions and other retirement benefits, including the revision of pensions of employees who retired before the effective date of these recommendations, bearing in mind that the retirement benefits of all Central Government employees appointed on or after 01.01.2004 are covered under the New Pension Scheme (NPS).”

Thus, while the 7th CPC directly emphasized pension revision for pensioners under the old pension system, this is conspicuously absent from the 8th CPC notification. This is why employee organizations consider it unfair to pensioners.

It remains to be seen how the Commission addresses these issues in its report and what action the government takes. Pensioners have been struggling for their demands for a long time, and this notification may further exacerbate their concerns.

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The Delhi Development Authority (DDA) has launched the second phase of its Jansadharan Awas Yojana 2025, which aims to provide affordable housing near metro stations in Delhi. The scheme is specifically designed for the economically weaker section (EWS) and low-income group (LIG), enabling them to own homes with better connectivity and modern amenities.

This time, the scheme includes the highest number of 1,120 EWS flats in Narela, located in G-6 and G-7, Pocket 11, near the proposed Rithala-Narela-Kundli Metro corridor. Additionally, 308 LIG flats will be available in Sectors 34 and 35 of Rohini, 73 LIG flats in Ramgarh Colony near the Jahangirpuri Metro Station, and 36 EWS flats near the Basai Darapur Metro Station near Moti Nagar.

Distribution and Location of Flats

A total of 1,537 flats have been released under this scheme, including 1,120 EWS flats in Narela, 308 LIG flats in Rohini, 73 LIG flats in Ramgarh Colony (near Jahangirpuri Metro Station), and 36 EWS flats in Moti Nagar. These flats are located near the metro corridor, providing easy commuting for residents.

Prices and Discounts

Flats prices vary depending on location and category. EWS flats in Narela cost ₹11.8 lakh to ₹11.9 lakh (after a 15% discount), while LIG flats in Rohini cost ₹14 lakh to ₹14.2 lakh. Flats in Ramgarh Colony are available for ₹13.1 lakh to ₹14.5 lakh. Flats in Moti Nagar are selling for ₹25.2 lakh to ₹32.7 lakh.

Booking Process and Requirements

Bookings will be made online on the DDA Housing Portal starting November 7, 2025. A one-time registration fee of ₹2,500 will be charged. Interested applicants must register first to book a flat. If someone has already registered, they will not need to re-register.

Benefits and Expectations

This scheme is a golden opportunity for Delhi residents, especially those who dream of affordable housing near the metro. The flats under the scheme will offer modern amenities and good connectivity, improving the quality of life.

DDA’s Jansadharan Awas Yojana 2025 is an important step to meet the growing demand for housing in Delhi. Flats available near the metro are not only affordable but can also offer better rental and investment options in the future. Therefore, taking advantage of this scheme will prove to be very beneficial for those looking for housing.

Aadhaar Update New Rules : From November 1, Major Changes Announced—All Updates Can Be Done from Home

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Aadhaar New Rule: A major relief has come for Aadhaar card holders. The Unique Identification Authority of India (UIDAI) has announced several new rules to make the Aadhaar update process faster, easier, and completely digital.

These new rules will come into effect from November 1, 2025. Under this, people will now be able to update information such as their name, address, date of birth, and mobile number online from the comfort of their homes. For this, they will no longer need to stand in long queues at Aadhaar service centers.

UIDAI says that the purpose of these changes is to make Aadhaar services more secure, user-friendly, and time-saving.

What will change?

1. Online Aadhaar Update Facility

Until now, people had to visit an Aadhaar Seva Kendra for any corrections or changes. However, with the new system, the entire process can be completed online by visiting the UIDAI portal. Users’ submitted information will be digitally verified using government documents such as their PAN card, passport, driving license, or ration card. This will make the process both faster and more reliable.

2. New Aadhaar-PAN Linking Deadline

According to UIDAI’s new guidelines, Aadhaar-PAN linking has been made mandatory for all PAN holders. The deadline for this is December 31, 2025. If this deadline is missed, the PAN card will be deactivated from January 1, 2026. This will impact tax and other financial transactions. Additionally, those who obtain a new PAN card will now be required to complete Aadhaar-based verification.

3. Digital KYC is now completely paperless

UIDAI has also digitized the KYC process for banks and financial institutions. Customers will now be able to complete their KYC through three methods: Aadhaar OTP-based verification, video KYC, and in-person verification (optional). This new system will complete the account opening and identity verification process in just a few minutes.

4. Aadhaar update fees also changed

• UIDAI has also announced a new fee structure for Aadhaar services.
•  The fee for updating name, address, or mobile number will now be ₹75.
•  The fee for biometric updates (fingerprint, iris, or photo) has been increased to ₹125.
•  Biometric updates are completely free for children (5–7 years and 15–17 years).
•  Online document updates are also free until June 14, 2026.
•  After June 14, 2026, the update fee will remain ₹75.
•  The fee for Aadhaar reprints will remain ₹40.
•  The fee for home enrollment services will be ₹700 (for the first person) and ₹350 (for the second person at the same address).

UIDAI’s Message

UIDAI officials stated that this digital-first approach will give citizens the freedom to manage their Aadhaar-related information and make services more transparent. However, they warned that the Aadhaar-PAN linking deadline is crucial. Failure to meet it could lead to serious difficulties in financial transactions and tax-related matters.

Ladki Bahin Yojana: Will the names of 1 crore women be removed from the Ladki Bahin Yojana? A major update on e-KYC

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Ladki Bahin Yojana: A major update has arrived for the beneficiaries of Maharashtra’s Ladki Bahin Yojana. The government has made e-KYC mandatory for this scheme. However, more than 1 crore women have still not completed their e-KYC. This raises the question: if e-KYC is not completed by November 18th, will these women be excluded from the scheme? Let’s find out the answer.

The Maharashtra government launched the Ladki Bahin Yojana to financially support women in the state and empower them with self-reliance. Therefore, excluding women from this scheme would be inappropriate. A senior official from the Maharashtra government’s Women and Child Development Department stated that the e-KYC of more than 1 crore women is currently incomplete. Therefore, if everyone’s e-KYC is not completed by November 18th, the government may extend the deadline for e-KYC. This will allow all beneficiary women to benefit from the scheme. Only then will the ₹1,500 be credited to their bank accounts.

How much time does e-KYC take?

Getting e-KYC done for the Maharashtra government’s Ladki Behen Yojana is quite easy. Your e-KYC can be completed in just a few minutes. To do this, you’ll need to visit your nearest Anganwadi center, Setu center, or tehsil office. It’s worth noting that approximately 25 million beneficiaries are registered, but only 13 million women have completed their e-KYC.

How to complete e-KYC

First, visit the scheme’s official website, ladakibahin.maharashtra.gov.in. Then, click on eKYC on the homepage. Enter your Aadhaar number in the e-KYC form, enter the captcha code, and tick the “Yes, I agree” checkbox and click the “Send OTP” button. An OTP will then be sent to your Aadhaar-linked mobile number. Enter the OTP and submit. If your e-KYC is already complete, the screen will display the message “eKYC already completed.” If not, the system will check to see if your Aadhaar number is listed for the scheme.

If it’s listed, the next step will open, and you can proceed. Enter your husband’s or father’s Aadhaar number and captcha code, receive the OTP, and submit. Select your caste category and make two declarations: First, no one in the family is in a government job or pension, and second, only one married and one unmarried woman in the family is taking advantage of the scheme. Tick the checkboxes and press the Submit button. Finally, the message “Success” will appear on the screen: Your e-KYC verification has been successfully completed.

Income Tax Payment : Pay tax through UPI without going to the bank, read the step-by-step process here

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Income Tax UPI Payment: Earlier, the thought of filing income tax would often bring to mind banks, net banking, and the numerous hassles involved. But now, the picture has completely changed. The Income Tax Department has simplified the payment process so much that you can pay your tax in minutes using your own mobile phone, using your own UPI app, without visiting a bank or going through any lengthy procedures.

Why has paying taxes through UPI become easier?

Now, the Income Tax e-filing portal offers the option to make UPI payments directly from apps like Paytm, PhonePe, and Google Pay. The money is deducted directly from your bank account, and the challan is generated within seconds. This eliminates the need for long waits and extra setup.

How to make an income tax payment using UPI? Learn the step-by-step process

• Go to incometax.gov.in and log in with your PAN and password.
• Select the ‘e-Pay Tax’ option on the dashboard (you can do it without logging in, but logging in is preferable).
• Click on ‘New Payment’ and select the tax type (Advance/Self-Assessment, etc.).
• Select the correct Assessment Year and enter the amount you need to pay.
• Check and confirm the name and PAN.
• The portal will generate the invoice and display the available payment modes, from which select UPI mode.
• Note down or keep the QR code or the provided UPI ID on the screen.
• Open Paytm/PhonePe/Google Pay on your mobile and select ‘Scan & Pay’.
• Scan the QR code, verify the amount, and confirm the payment by entering the UPI PIN.
• Keep your phone open until the app displays ‘Payment successful.’ Go to the e-filing portal and check the ‘Payment history’ status; it usually changes to ‘Paid’ within 1–2 minutes.
• Then download your receipt/challan from ‘Payment history’ and save the CIN/UTR number (required for legal proof).
• If the portal shows ‘Pending’ after payment, wait 30–60 minutes and then refresh and check.
• If the money has been deducted from the bank statement but the challan has not been generated, raise a ticket or contact the bank/UPI support with the UTR.
• Failed UPI payments are usually reversed within some time; make the payment again only when the status is clear.

While making payments through UPI may seem like a lot of steps, it’s now much simpler than before. Overall, the income tax filing process is no longer as complicated as it once was. This new UPI payment option is a huge relief for individuals. Whether it’s advance tax or self-assessment, simply pick up your phone, scan a QR code, and complete your tax payment instantly.

Income Tax Refund: Why are refunds delayed? What should taxpayers do? Learn the full details.

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Income Tax Refund: For the past few months, a large number of taxpayers have been worried about the delay in their income tax refunds. People are constantly questioning on social media platforms why refunds haven’t been issued even weeks, even months, after filing.

In many cases, returns are showing as “Under Processing,” some have received “Defective Return” notices, while many taxpayers are simply at a loss for the reason for the delay. This begs the question: why are refunds delayed, and what steps should taxpayers take to receive their refunds on time?

Increasing complaints on social media

Delays in tax refunds have become common in the past few months. Many people have written that they have filed revised returns or are awaiting refunds due to complex entries such as foreign investments, capital gains, or advance tax payments.

Many taxpayers have received their refunds, while others have been waiting for months. Tax experts say that factors such as high CTC, multiple income sources, or investment complexity slow down the refund process.

5 Major Reasons for Refund Delays

• The department conducts additional scrutiny on refunds exceeding ₹1 lakh, which delays processing.
• Returns that include foreign income, capital gains, or multiple income sources must undergo manual verification.
• Refunds that receive a ‘Defective Return’ notice under Section 154 may be withheld until a new ITR is filed.
• Sometimes, government liquidity constraints cause large-scale refund delays.
• If you filed a revised ITR, it takes longer for the system to process the new data.

What types of refunds are processed quickly?

Tax experts say that delays in refunds are due to technical scrutiny as well as administrative reasons. The department, especially for high-value refunds, requires additional verification. If there are any defects in the return, the system blocks it and requires the taxpayer to file a new ITR.

Simple return forms like ITR-1 (Sahaj) are generally processed quickly. However, complex forms like ITR-2 and ITR-3 may experience delays. Therefore, it is important that taxpayers periodically check the status of their returns on the Income Tax e-Filing Portal to determine if there are any pending notices or information from the department.

Other Reasons for Refund Delays

• Refund delays can be caused not only by departmental investigations but also by minor errors made by the taxpayer.
• If you fail to verify your ITR after filing, the return becomes invalid and the refund is not issued.
  If the tax credit shown in the return does not match Form 26AS or Annual Information Statement (AIS), the department may withhold the refund.
• Sometimes, even minor discrepancies in the amounts reported by the bank, employer, or financial institution can stall the refund process.
• In such cases, you should visit the CPC portal to file a grievance and resolve the mismatch.

ITR Filing Deadlines and Rules

The last date for filing ITR for non-audit cases for the financial year 2024-25 (FY25) was September 16, 2025. This date was previously extended twice from July 31. First, to September 15, due to major changes to the ITR form. Then, it was extended by one more day, to September 16, due to technical issues with the portal.

Those who have not yet filed their ITR can file a belated return by December 31, 2025. However, they will be subject to a late fee.

Filing your return before the end of the year is essential to avoid penalties or notices.

What to do if your refund is stuck

• If your refund hasn’t arrived for a long time, there’s no need to panic.
• First, check whether you’ve verified your return.
• Then, match the data in your Form 26AS and AIS with your return.
• If there’s a mismatch, file a grievance on the CPC portal.
• If you’ve filed a revised return, be patient. Its processing time is longer.

Delays in tax refunds are not uncommon. But by being vigilant and providing correct information, you can quickly overcome this problem. Keep your documents updated, regularly check your refund status on the portal, and respond promptly to any notices. This increases your chances of receiving your refund quickly.

Property Buying Tips : Before buying your dream home, keep these important things in mind, otherwise you may incur huge losses.

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Property Buying Tips: Home prices in India are skyrocketing, not only in Tier 1 cities but also in Tier 2 and Tier 3 cities. People are investing their life savings to purchase a home. Property prices have reached crores of rupees. In such a situation, there are some important things to keep in mind when buying a house, shop, or other property so that you don’t face future problems.

There are two types of properties in the real estate market: one under construction and the other ready-to-move-in properties. Ready-to-move-in properties are already built, and you can move into your new home immediately after purchasing the house. Many people prefer this option. If you are considering buying a ready-to-move-in property, you should keep these things in mind.

How old is the property?

According to real estate experts, older homes tend to be less valuable than newer properties. Therefore, it’s important to inquire about the property’s age. You can consult a structural engineer, neighbors, and property dealers for this information. Only after confirming this information should you consider purchasing a home.

Get information about the property owner

People often fall victim to fraud in the real estate market. Disputes often arise between property dealers and buyers. To avoid such situations, you should inquire about the property’s ownership. You can take the property papers to the revenue office and find out in whose name the house is registered.

Get information about amenities

Before purchasing a home, be sure to check the area’s infrastructure. Find out the condition of electricity and water, and whether the supply is regular.

Also, essential amenities like markets, schools, and hospitals should be available nearby so you don’t face any problems.

E-Passport India : The government has made passports hi-tech! Find out what will happen to your old passport?

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E-Passport India: A passport serves as a vital document for traveling abroad and proving one’s Indian identity. The Government of India has launched the Passport Seva Program (V2.0), implementing the e-passport system nationwide. From now on, only chip-enabled e-passports will be issued for new passports and renewals at Indian embassies in India and abroad.

This will improve passport security and expedite immigration processes. Many people may be wondering if their old passports will no longer be useful. The answer is that they will be able to use their old passports normally. However, upon expiry, they will now be issued a chip-enabled passport.

Will old passports be valid?

If a person has an old passport, they can continue to use it as before. Passports will remain valid until the expiration date. However, if the passport’s validity has expired, a new chip-enabled passport will be issued. New applicants will be issued chip-enabled passports under the e-passport system.

New applicants will not need to fill out any new forms or select any options. This step has been taken by the government to further secure passports. The immigration process for new passport holders will also be faster.

E-passports will be issued from now on

New passports and renewed passports issued by the Government of India under the PSP V2.0 and Global Passport Seva Program will be e-passports. The upgrade will be automatically applied when applying for a passport. E-passports have a small golden chip embedded in the cover, which contains an RFID chip. This chip stores biometric and personal information related to the passport holder.

PM Kisan 21st Installment: The wait is over, now the 21st installment of PM Kisan Yojana will come on this day

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Prime Minister Narendra Modi will release the 21st installment of the PM Kisan Yojana on Wednesday, November 19th. Under this scheme, every farmer family receives ₹2,000 directly into their bank account. A government statement issued on Friday stated that so far, more than 11 crore farmer families across the country have been provided assistance of ₹3.70 lakh crore through the PM-Kisan Samman Nidhi program.

According to the government, digital fintech technologies have made it possible to implement major programs like PM-KISAN with speed and transparency. Because the scheme is linked to Aadhaar, benefits reach the right individuals directly. Furthermore, e-KYC of bank accounts, mobile apps, and the Kisan-e-Mitra platform have played a major role in delivering the scheme to farmers. The government has also launched a farmer registry to ensure farmers receive timely benefits from social welfare schemes.

Under the PM Kisan Samman Nidhi (PM-KISAN) scheme, every eligible farmer family receives financial assistance of ₹6,000 annually. This central government scheme was launched on February 24, 2019. Given the importance of the scheme, a facility for filing and resolving complaints has been provided on the PM Kisan portal and CPGRAMS (Centralized Public Grievance Redressal and Monitoring System). Farmers can register their problems directly on the portal and receive quick information and solutions.

A Kisan-e-Mitra chatbot has also been developed to quickly resolve farmers’ complaints. This facilitates both technical and language barriers. Farmers can ask questions in their own language. This chatbot is available in 11 major languages, including Hindi, English, Tamil, Bengali, Odia, Malayalam, Gujarati, Punjabi, Telugu, Marathi, and Kannada. This makes it easier for farmers to understand information and resolve their problems.

Banks Closed Today: Are banks open or closed in Delhi and Uttar Pradesh this Saturday? Find out here before leaving home.

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Bank Saturday Open Closed Status: Every Saturday, the biggest question on people’s minds is whether banks will open today. If you’re also looking for the answer to this question, let us tell you whether banks will be open as usual today or will be locked.

According to RBI rules, banks are closed on the second and fourth Saturdays of every month. Banks operate as usual on the first and third Saturdays. Today is November 15th, the third Saturday of the month, so banks will operate as usual today. Therefore, whether government or private, you can complete all your pending bank work today.

How many days will banks be closed next week?
October saw a bumper holiday for banks, but November will see very few holidays. After November 15th, banks will only be closed on weekly holidays. Tomorrow, banks are closed for Sunday, but after that, banks will operate as usual from Monday to Friday.

How many days will banks remain closed in November?

What to do if the bank is closed?
If you have any banking work, get it done between Monday and Friday. If you still have some banking work on Saturday or Sunday, you can get it done then and there. In Digital India, money transfers happen in seconds even when banks are closed. Through UPI, you can send money to anyone, anywhere. Not only this, if you need cash, you can also withdraw it from ATMs. Now many banks have even installed cash deposit machines outside the banks, through which you can deposit money in your bank.

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8th Pay Commission: After much anticipation, the Central Government has finally announced the Terms of Reference (ToR) of the 8th Pay Commission. The government’s announcement has brought relief to the country’s 10 million government employees and pensioners. The government has constituted a three-member commission, headed by Justice Ranjana Desai.

The commission has been tasked with reviewing employees’ salaries, bonuses, gratuities, allowances, and performance-based incentives and making recommendations. Now, rural postal workers are demanding inclusion under the 8th Pay Commission and a salary increase.

Recommendations must be submitted within 18 months

The government has ordered the commission to submit its report within 18 months from the date of its formation. If desired, the commission may also submit an interim report so that necessary changes can be implemented quickly.

Demand for inclusion of GDS

Meanwhile, MP Ambika Laxminarayan Valmiki has written a letter to Prime Minister Narendra Modi demanding that around 2.75 lakh Gramin Dak Sevaks (GDS) should also be included in the purview of the 8th Pay Commission.

He said that postmen in rural areas perform the same responsibilities as their urban counterparts. However, a separate committee is formed for them every time. Because of this, they do not receive the benefits of the Pay Commission’s allowances and salary increases.

Why are GDS different?

Currently, Gramin Dak Sevaks are not considered Central Government employees, so they are not covered under the 7th Pay Commission (7th CPC). They run small post offices in villages and handle mail distribution, money orders, banking, Aadhaar services, and government schemes. Their salaries and service conditions are determined by the Departmental Committee, not the Central Pay Commission.

When will the report be released?

The 8th Pay Commission has begun the process of preparing its documents and report. As per the schedule, the Commission is required to submit its recommendations by April 2027. However, if the report is ready sooner, the government may consider it earlier. The government will then review and approve the recommendations, and the new salary structure will be implemented. This move gives millions of government employees hope that they will see significant increases in their salaries and pensions in the coming years.

IMD Alert: Heavy Rainfall Likely on Nov 13, 16–19—Stay Prepared!

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The limit for sending money through UPI in India is now determined by individual banks, not apps. Many users are unaware of their bank limit, leading to failed transactions. Apps like PhonePe, Google Pay, and Paytm only allow payments based on your bank limit.

Understand and Increase Your Bank Limit

Each bank sets limits based on its risk profile, past transaction history, and user activity. To find out your bank limit, check the UPI or Fund Transfer section of your bank’s app. Sometimes, your limit is reduced due to reasons like security blocks, phone or SIM changes, or UPI PIN resets.

Process for Increasing Your Limit

If you need to increase your limit, first look for the limit increase option on your bank’s app or website. Many bank apps have a “Manage UPI limits” option. The increased limit is immediately updated in the apps upon bank approval. If the bank has established a strict risk policy, the limit will not be increased immediately.

Security Reasons and Limits

In some cases, banks impose temporary limits on high-value payments to prevent fraud. Adding a new device or beneficiary also requires a wait before the limit is increased. Additionally, limits may be temporarily reduced during festivals or promotions.

Solution Options

If increasing the limit through an app isn’t possible, try directly using the bank app. Sometimes, sending large amounts through net banking, IMPS, or RTGS is easier.

Therefore, it’s important for users to understand their bank’s UPI limits and adopt smart methods to increase the limit so they can make large payments without hassle.

IMD Alert: Heavy Rainfall Likely on Nov 13, 16–19—Stay Prepared!

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Tamil Nadu DA Hike: Tamil Nadu Chief Minister M.K. Stalin has made a major announcement. He announced a 3% DA increase for state employees, teachers, and pensioners. This revision will come into effect from July 1, 2025. After this, the DA will increase from 55% to 58%.

Benefits 1.6 million employees and pensioners
This decision will benefit approximately 1.6 million employees and pensioners. However, it will impose an annual burden of approximately ₹1,829 crore on the state government. Stalin said that government employees and teachers play a vital role in implementing schemes at the grassroots level, and the government is committed to their welfare, regardless of financial pressures.

Big stakes before the elections
The 2026 assembly elections are scheduled to be held in Tamil Nadu. In such a situation, this decision is considered politically significant. The DMK government has been facing mounting pressure from employees, as it had promised to restore the Old Pension Scheme (OPS) as part of its election promise, a promise that has not yet been fulfilled.

Direct Relief in Salary
DA is a portion of the salary paid to employees to protect them from inflation. When inflation rises, the government increases DA. The central government also announced a 3% increase in DA/DR for its employees and pensioners before Diwali, which will increase annual expenditure by approximately ₹10,083 crore.

These States Have Already Given Gifts to Employees
Before Tamil Nadu, several states had also announced DA increases for Diwali. In Himachal Pradesh, Chief Minister Sukhvinder Singh Sukhu announced a 3% increase in DA for employees and pensioners. Uttar Pradesh Chief Minister Yogi Adityanath announced a 3% increase in dearness allowance (DA) for government employees and pensioners.

In Jharkhand, the Hemant Soren government increased DA from 55% to 58%. In Uttarakhand, the Dhami government announced a 3% increase in DA for employees. In Madhya Pradesh, CM Mohan Yadav’s cabinet increased DA and DR by 2%.

In Bihar, CM Nitish Kumar announced a 3% increase in dearness allowance (DA) for state employees. In Rajasthan, Chief Minister Bhajan Lal Sharma also announced a 3% increase in dearness allowance.

IMD Alert: Heavy Rainfall Likely on Nov 13, 16–19—Stay Prepared!

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Gold-Silver Price 14 Nov: Gold and silver prices witnessed a historic surge in Delhi’s bullion market on Thursday. Gold prices surged by ₹3,000 per 10 grams in a single day, surprising investors. Silver also followed suit, rising by ₹7,700 per kilogram. Strong international cues and the weakness of the US dollar are being cited as the main reasons behind this sharp rise.

New Gold and Silver Prices

According to the All India Sarafa Association, the price of 99.9 percent pure gold in the Delhi bullion market rose by ₹3,000 to ₹1,30,900 per 10 grams. This was the third consecutive trading day in which gold prices registered an increase. In the previous trading session, on Wednesday, gold with 99.9 percent purity closed at ₹1,27,900 per 10 grams. Meanwhile, the price of 99.5 percent pure gold also jumped by ₹3,000, from ₹1,27,300 to ₹1,30,300 per 10 grams.

Silver prices saw a bigger jump than gold. On Thursday, silver prices rose by ₹7,700 to ₹1,69,000 per kilogram (including all taxes). On Wednesday, silver had closed at Rs 1,61,300 per kg, up by Rs 5,540.

Why this historic surge?

Several international factors are at play behind this unprecedented surge. The biggest reason is the weakness of the US dollar. The dollar index, which measures the dollar’s strength against six major currencies, fell 0.20 percent to 99.30. This decline came after the Donald Trump administration passed a bill to end the record 43-day shutdown. A weak dollar directly supports the prices of precious metals like gold. Traders say the end of the US shutdown also strengthened gold’s appeal as a safe-haven investment.

Strong surge in the international market

This surge in the domestic market is mirroring the international markets. In the international spot market, gold rose by $41.19, or 0.98 percent, to reach $4,236.84 per ounce. Meanwhile, in foreign trade, spot silver was trading at $53.86 per ounce, up 1.13 percent.

Experts Explain Reasons for the Rise

Saumil Gandhi, Senior Analyst (Commodities) at HDFC Securities, said the bullion market continued to rally, supported by a weak dollar. Furthermore, weak macroeconomic data from the world’s largest economy (the United States) has raised expectations of further interest rate cuts, boosting gold’s luster.

He also noted that the Federal Reserve is likely to inject more liquidity into the banking system to alleviate the partial liquidity shortage caused by the shutdown. This move has also had a positive impact on precious metals.

Saumil Gandhi, commenting specifically on silver, said that silver has surged strongly this week, gaining more than 10 percent so far. Several factors are behind this surge, including expectations of interest rate cuts, supply concerns, strong industrial and investment demand, and strong technological momentum. However, Sandeep Raichura, CEO and Director of Retail Broking and Distribution at PL Capital, offered a slightly cautious view. He said that global tensions have eased and there may be some difficulties in the future due to US agreements with India and other major countries, which may keep a check on bullion prices.

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Rain Alert: The weather is changing across the country. Severe cold has begun in many parts of North India, including northern India. Meanwhile, heavy rains are continuing in South India. The India Meteorological Department has issued an update regarding the weather. According to the IMD, moderate to heavy rains are likely to continue in many states of South India for the next seven days. The Meteorological Department has stated that heavy rains are likely at some places in Tamil Nadu on November 13th and from November 16th to 18th. Moderate to heavy rains are likely in Kerala and Mahe on November 13th and from November 17th to 19th. Additionally, heavy rains are likely in coastal Andhra Pradesh, Yanam, and Rayalaseema from November 17th to 19th.

Cold wave expected to continue

The India Meteorological Department (IMD) has predicted that the cold wave may continue in the coming days in many parts of the country, including northern and central India. According to the IMD, the cold wave is likely to continue in some parts of Madhya Pradesh and Chhattisgarh until November 16. The Meteorological Department has also issued a warning regarding temperature and cold wave conditions. Let’s take a look at the IMD’s forecast.

Cold wave to severe cold wave conditions will prevail at isolated places in western Madhya Pradesh on November 13th and 14th. Cold wave conditions may persist at isolated places on November 15th and 16th.

Cold wave conditions may persist at isolated places in Chhattisgarh and eastern Madhya Pradesh from November 13th to 16th.

Light to moderate fog may prevail over Northeast India and Uttar Pradesh during the next five days.

No significant change in minimum temperatures is expected over western India during the next three days, and thereafter, a drop of 2 to 3 degrees Celsius is likely over northern central Maharashtra.

Minimum Temperatures Continuously Falling in Rajasthan

Temperatures are steadily falling in Rajasthan. Fatehpur recorded the lowest minimum temperature of 7 degrees Celsius last night. According to the Meteorological Center, Jaipur, minimum temperatures in most parts of the state ranged from 7.0 to 15.0 degrees Celsius, approximately 1 to 2 degrees Celsius below normal. The lowest minimum temperature in the state last night was recorded in Fatehpur (Sikar), at 7.0 degrees Celsius. There was no significant change in the maximum and minimum temperatures during this period. The weather in the state is expected to remain dry for the next week, with a slight drop in minimum temperatures.

Rainfall Situation in South Peninsular India

• According to the Meteorological Department, rain is expected in many parts of Tamil Nadu between November 13th and 16th and 18th.
• Thunderstorms are expected at many places, with heavy rainfall at some places.
• Rainfall is likely in Kerala and Mahe during November 13th and 17th.
• Rainfall is expected in coastal Andhra Pradesh, Yanam, and Rayalaseema during November 17th and 19th.

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Ladli Behna Yojana: There is great news for the sisters of Madhya Pradesh. Chief Minister Dr. Mohan Yadav informed at the Ladli Behna Sammelan in Seoni district that Rs. 1500 has now been sent to every sister’s account as the 30th installment of the Ladli Behna Yojana. As per the promise made on Bhai Dooj, women will now receive Rs. 1500 every month instead of the earlier Rs. 1250.

More than 1.26 crore sisters of the state have availed this facility. A total of Rs. 1857 crore has been deposited in the accounts of more than 2 lakh 68 thousand sisters of Seoni district. The Chief Minister said that the Ladli Behna Yojana is no longer just a scheme for financial assistance, but has become a scheme that provides opportunities to sisters.

Sisters Gain Self-Respect and New Direction
Dr. Yadav stated that through the scheme, sisters have started small businesses, supported their children’s education, and learned new skills. Over 45,000 crore rupees have been deposited into their accounts so far. The Chief Minister emphasized that empowered sisters are the foundation of a strong Madhya Pradesh.

The government’s goal is to make every sister self-reliant, educated, and safe. He stated that, along with women’s empowerment, major changes are being made in the state in the fields of employment, agriculture, and tourism.

Inauguration of Major Development Projects in Seoni
At the event, the Chief Minister inaugurated and performed the groundbreaking ceremony for 114 development projects worth over 560 crore rupees. He also announced the construction of a sports stadium in Ghansor and a bridge between Lamta-Pandiya Chhapara for the youth. He also inaugurated the world’s largest tiger sculpture made from scrap in the Pench Tiger Reserve.

Check your account status this way

If you haven’t received a payment message on your mobile, you can check your status under “Application and Payment Status” on the portal. Enter your ID or Ladli Behna registration number. Then click on “Get OTP,” enter the OTP received on your mobile, and check your account status immediately.

PM Kisan Yojana: Lakhs of farmers are expected to receive Rs 4000, a major update in the 21st installment!

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PM Kisan Yojana: The central government is implementing the PM Kisan Samman Nidhi (PM Kisan Samman Nidhi) to double the income of millions of farmers across the country. This scheme provides financial assistance to farmers. It is being reported that this year, farmers will receive a lump sum of ₹4,000 under the PM Kisan Samman Nidhi (PM Kisan Samman Nidhi). If the previous installment was not received for some reason, the government will now transfer both installments to their bank accounts simultaneously.

It should be noted that under the PM Kisan Samman Nidhi, farmers receive financial assistance of ₹6,000 annually. This money is released to farmers in three installments throughout the year, each containing ₹2,000. Three installments are issued annually. Many farmers have not received the benefit of the 20th installment. Meanwhile, millions of farmers across the country are awaiting the 21st installment.

These farmers may receive Rs 4,000.
In fact, many farmers haven’t received their PM Kisan installments for the past few months. A government investigation found that some farmers had violated the scheme’s rules, such as benefiting multiple members of the same family, submitting incorrect documents, or having discrepancies in land records. For this reason, some farmers’ names were temporarily removed from the beneficiary list. The central government says that some farmers were removed from the list. Therefore, farmers who have corrected their documents will receive the benefit of both installments simultaneously.

Do these things immediately

1. If you haven’t completed your e-KYC, complete it soon.

2. Link your Aadhaar to your bank account, or the installment will not be transferred.

3. Check your bank account details – the name, account number, and IFSC code must be correct.

4. Update your land records if there are any errors in the Khatauni or Khasra.

5. Check your beneficiary status – Visit pmkisan.gov.in to see if your name is on the list.

6. Update your mobile number to receive timely OTP and installment notifications.

7. In some states, farmer registration is mandatory for PM Kisan Yojana installments. Those who have not already done so should complete this important task immediately.

Let’s learn how to perform e-KYC.

1. First, visit the official website of PM Kisan Samman Nidhi at pmkisan.gov.in.

2. Then, click on “e-KYC.”

3. Next, enter your Aadhaar number and registered mobile number.

4. Now, submit after verification with OTP.

Gold prices fall, silver prices rise, find out today’s rate of 22-24 carat gold

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On Wednesday, the third day of the trading week, gold prices fell in the Indian bullion market. Silver prices rose. However, gold prices remain above ₹123,000 per 10 grams. Silver prices are currently trading above ₹155,000 per kilogram.

According to the India Bullion and Jewelers Association, the price of 916 purity, or 22-carat gold, was ₹113,720 per 10 grams on the evening of November 11th. This has dropped to ₹113,000 on the morning of November 12th. Similarly, gold prices have declined based on purity, while silver prices have increased.

Gold-Silver Price 12 November 2025: Latest Gold and Silver Prices

According to the India Bullion and Jewellers Association, the price of gold remained roughly the same in the evening compared to Tuesday morning, while the price of silver saw an increase. According to the IBJA, the rate of 24-carat gold with 999 purity was ₹124,147 in the morning, which rose to ₹124,149 per 10 grams by evening. Meanwhile, the price of silver rose from ₹154,338 to ₹154,760 per kg.

The prices published by the Indian Bullion Jewelers Association provide standard prices for gold of different purities. All prices are before taxes and making charges. The rates published by the IBJA are accepted nationwide, but do not include GST.

Please note that when purchasing jewelry, gold or silver rates are higher due to the inclusion of taxes. IBJA does not release rates on Saturdays and Sundays, except on holidays declared by the central government.

8th Pay Commission: 6.9 million pensioners excluded from the 8th Pay Commission! Employees’ union demands pension revision

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8th Pay Commission: The All India Defence Employees Federation (AIDEF) has raised a major issue regarding the 8th Pay Commission. According to a report in the Financial Express, the union states that approximately 6.9 million central pensioners and family pensioners have been excluded from the commission’s purview, which is a completely wrong and disappointing decision.

AIDEF has written a letter to Finance Minister Nirmala Sitharaman, stating that it is unfortunate that those who have served the country for more than three decades have not been included in the 8th Pay Commission’s Terms of Reference (ToR). They state that pension revision is a right of pensioners, and depriving them of it is unfair.

Demand for amendments for old pensioners as well
The Federation has demanded that the government amend the ToR so that the pensions of employees who retired before January 1, 2026, can also be revised. He also appealed to consider the recommendation to restore the commuted value of pension after 11 years and increase the pension by 5% every 5 years.

AIDEF also stated that while the 7th Pay Commission had a provision for pension revision, this clause has been removed from the 8th Pay Commission’s Terms of Reference, leading to growing resentment among retired employees.

Demand for the Reinstatement of the Old Pension Scheme in Place of the NPS
AIDEF also stated that over 2.6 million central employees with NPS membership want the Non-Contributory Pension Scheme (CCS Pension Rules 1972) to be reinstated. However, this demand was not included in the 8th Pay Commission’s ToR. The organization has requested the government to include it.

Report to be submitted in 18 months
The 8th Pay Commission is now underway. Former Supreme Court judge Ranjana Prakash Desai is chairing it. It is reported that the Commission will take approximately 18 months to prepare its report, after which it will be submitted to the government. This report will determine the new salary, allowances, and pension structure for central employees and pensioners.

Meanwhile, employee unions say that if the government continues to ignore the problems of pensioners, it could lead to growing resentment across the country. Unions believe that the 8th Pay Commission is not just a board for setting salaries, but a decision related to the expectations of millions of families, so the government should take it seriously.

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UP Anganwadi Vacancy 2025: There’s a good opportunity for women to find government jobs in Uttar Pradesh. The Anganwadi Department has announced a recruitment drive for 105 female workers. These positions will be filled in Hapur, Amroha, Lalitpur, Pratapgarh, and Siddharthnagar districts. If you’re a 12th-grade pass and a woman between the ages of 18 and 37, apply immediately. The application is online, and the website is upanganwadibharti.in. The deadline varies by district, so hurry. The salary is ₹4,500 per month, plus allowances. Let’s learn the full details…

UP Anganwadi Vacancy 2025: Vacancies in Only Five Districts
These recruitments are taking place in only five districts. Hapur has the highest number of positions, with 43. Amroha will fill 12 positions. Lalitpur will fill 22 positions. Siddharthnagar has 13 positions. There are 15 vacancies in Pratapgarh. Overall, 105 female Anganwadi workers are being recruited across Uttar Pradesh. Women selected for these positions will be responsible for caring for children, ensuring their nutrition, and providing pre-school education.

UP Anganwadi Recruitment 2025: Who will be eligible for this job?
Only women can apply for this job. The qualifications are simple: 12th grade pass from a recognized board. That’s all, but priority will be given to women from the same village or ward who are below the poverty line (BPL). If a widow, divorcee, or abandoned woman is found in the BPL category, she will be selected first. If no such woman is found, a widow or divorcee above the poverty line will be selected, meaning local and needy women will benefit. The minimum age requirement is 18 years and the maximum age is 37 years. Age will be calculated as of July 1, 2025. Reserved categories SC/ST/OBC will get relaxation as per rules.

UP Anganwadi Vacancy 2025: Jobs are guaranteed based on merit

The salary is fixed at ₹4,500, plus government allowances, such as travel and medical expenses. If the work is local, you won’t have to travel far from home. Selection is easy. First, a merit list will be compiled based on your 12th-grade marks and local status. Document verification will then take place. If everything is correct, your name will appear on the final selection list, and the job is confirmed. There are no interviews or exams.

When and where will applications be held?

The last date for applications varies for each district. Everyone must submit online by 11:59 pm. Those in Hapur should apply by November 20, 2025. Women in Amroha can fill out the form until November 25, 2025. The last date for Lalitpur is November 27, 2025. Candidates in Siddharthnagar should apply by November 24, 2025. Pratapgarh has the latest deadline. Until November 28, 2025. Note the date for your district and submit the form before that date, or you’ll lose your chance.

How to apply online?

Everything is online, not offline. Here’s how:

1. Open the website: Type upanganwadibharti.in into your browser and press Enter.

2. Select your district: Select your district on the homepage and click on the Apply Online link.

3. Register: Enter basic details like your name, mobile number, and email address. You’ll receive a registration number and password. Note them down.

4. Login: Log in with that number and password. The form will open.

5. Fill in and submit the form: Carefully fill in all the information regarding education, address, category, etc. Upload a passport-size photo and signature. Check the preview and submit it. Take a printout. If there’s a mistake in the form, you’ll also have the option to edit it.

Big Changes Expected in EPFO : Employees Earning Up to ₹25,000 May Also Get PF and Pension Benefits

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8th Pay Commission: The Central Government has constituted the 8th Central Pay Commission to increase the salaries of millions of government employees across the country. The Finance Ministry issued a notification on November 3, 2025. According to the Finance Ministry’s notification, this commission has been constituted under the chairmanship of Justice Ranjana Desai. The commission will be headquartered in New Delhi and will submit its recommendations to the central government within 18 months. If necessary, it can also submit an interim report. Most importantly, the 8th Pay Commission will not only increase the salaries of government employees, but will also provide numerous benefits, including increases in bonuses, allowances, and pensions. Let’s explore these in detail.

Chairperson and Members of the Commission
According to the government notification, the 8th Pay Commission consists of three key members. Justice Ranjana Desai has been appointed as the chairperson of the commission. Professor Pulak Ghosh has been appointed as a part-time member, and Pankaj Jain as the member secretary. This commission will comprehensively review salaries, pensions, allowances, and other benefits.

Which employees will benefit?
The 8th Pay Commission will cover almost all employees and officers of the central government. The categories mentioned in the notification include industrial and non-industrial employees of the central government, officers of the All India Services, personnel of the armed forces, officers and employees of Union Territories, officers of the Indian Audit and Accounts Department, members of regulatory bodies established by Parliament (except the RBI), employees of the Supreme Court and High Courts, and judicial officers under Union Territories.

The Commission’s Scope
The Commission will review not only salaries and pensions, but also allowances, bonuses, gratuities, and performance-based incentives. Its objective is to make government jobs more attractive and enhance efficiency, productivity, and accountability in the work culture.

Reforms in Salaries and Allowances
The Commission’s primary task will be to recommend necessary and practical changes in the salary structure. This will ensure that the pay level of government employees remains at par with or competitive with those in the private sector and public sector enterprises. Regarding allowances, the Commission will review the rationality of existing allowances and may recommend restructuring them, eliminating unnecessary allowances and implementing a practical system.

Bonuses and Performance-Based Incentives
The Commission will review existing bonus schemes and may suggest a new Performance-Based Incentive (PLI) scheme to reward outstanding employees. This scheme will help employees become more productive and responsible.

Gratuity and Pension Reforms
The Commission’s Terms of Reference (TOR) specifies that it will review the death-cum-retirement gratuity for employees covered under the NPS (National Pension System) and the Unified Pension Scheme (UPS). Recommendations for improving gratuity and traditional pensions will also be made for employees not covered under the NPS. This will strengthen employees’ financial security after retirement.

Consideration of Economic Situation and State Capacity
The Pay Commission has been directed to consider the country’s economic situation, fiscal discipline, and the financial capacity of the states when making its recommendations. The Commission has also been asked to conduct a comparative study of the salaries of PSU (Public Sector Undertakings) and private sector employees to ensure that its recommendations are practical and balanced.

Expert Assistance and Independence
The government has given the Commission complete independence to determine its procedures and functioning. The Commission may appoint experts, advisors, and institutional consultants as needed. All ministries and departments have been directed to provide all necessary information and cooperation to the Commission.

Big Changes Expected in EPFO : Employees Earning Up to ₹25,000 May Also Get PF and Pension Benefits

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EPFO: Almost all employees in India have a PF (Provident Fund) account. PF accounts in India are operated by the Employees’ Provident Fund Organization (EPFO). Meanwhile, important news has emerged regarding the EPFO. (The EPFO ​​is considering raising the salary threshold for mandatory membership from ₹15,000 to ₹25,000. This means that even higher-paid employees will now receive social security benefits under the EPF and EPS schemes.

According to Labor Ministry sources, this proposal is likely to be discussed at the EPFO ​​board meeting in December or January, where final approval is expected. If approved, this proposal will directly impact the country’s more than 65 million EPFO ​​subscribers. It could be included under EPFO ​​3.0. This would be a major step towards a complete upgrade of the employees’ social security system in the future.

PF Funds Will Jump
If this decision is passed, employees’ monthly pension fund deposits will increase from ₹1,250 to ₹2,083. This could be included under the new EPFO, ‘EPFO 3.0,’ with a major update expected in early 2026. Both the EPF and EPS schemes require both employees and employers to contribute 12 percent each. The employee’s full 12 percent goes to the EPF, while the employer’s contribution is split between 8.33 percent and 3.67 percent.

According to officials, the increase in the salary limit will rapidly increase the EPF-EPS corpus, boosting both retirement pensions and interest for employees. Currently, the EPFO ​​has a total fund of approximately ₹26 lakh crore and has 76 million active members.

Know the Current Rules
According to the current rules, under EPS-95, contributions to the pension fund are only counted up to a maximum of ₹15,000 of the basic salary. This means that even if your salary is ₹30,000 or ₹40,000, the pension fund contribution is limited to only ₹15,000.

Why is a change in the EPS ceiling necessary?

1. The EPS limit was last increased from ₹6,500 to ₹15,000 in 2014.

2. Since then, inflation, basic pay, and universal minimum wages have all increased.

3. Now, the minimum wage is fixed at around ₹18,000, so the ₹15,000 EPS ceiling has fallen behind the actual wage structure.

4. That’s why many EPFO ​​board members believe that “Social Security will only be effective if the contribution limit is increased.”

5. This will not only strengthen the pension fund but also provide better security to employees after retirement.

ITR Refund 2025: Is interest payable on late refunds? Learn the Income Tax Department’s rules.

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Income Tax Refund Delay: Many people are worried about their income tax refunds because their money hasn’t yet reached their bank accounts. If you’re one of them, there’s good news. If you’ve filed your return without any mistakes, you’ll receive your money soon. Some people are wondering if the Income Tax Department will charge interest on late refunds due to the delay in their refunds. Let’s find out the Income Tax Department’s rules.

If you filed your ITR before September 16th and your refund hasn’t yet been credited to your bank account, there’s no need to despair. The Income Tax Department charges interest on late refunds. According to Income Tax Department rules, taxpayers receive interest from April 1st until the money reaches their bank account.

However, if you filed your ITR late, you won’t receive interest starting April 1st. You’ll receive interest from the date you filed your ITR. Consequently, late ITR filers may lose interest. In such a situation, if your ITR hasn’t been received yet, the Income Tax Department will pay you interest on the late refund. However, if you made a mistake while filing your ITR, your refund could be delayed.

Let’s find out why refunds are delayed.

• If the bank details in the ITR are incorrect or the IFSC code is mismatched, the refund is not credited to the bank account.
• If there is a discrepancy between the information provided in the ITR and Form 26AS (TDS/Tax Credit Statement), the refund process gets stalled.
• For those who have filed a revised ITR, the refund process may take longer than usual.
• The Income Tax Department selects some ITRs for scrutiny. In such cases, the refund process gets prolonged.
• Refunds for those who file ITRs close to the due date are often processed late.

PM Kisan 21st Installment Update: ₹2,000 Payment Delay Explained, Notification Issued

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PM Kisan 21st Installment Update: If you’re also waiting for the 21st installment of the PM Kisan Yojana, here’s a big update for you. The central government has issued a notification, dismissing all rumors surrounding the scheme. This notification stated when farmers will receive their next installment.

The government’s notification clarified that millions of farmers had applied in violation of the scheme’s guidelines. This has resulted in the 21st installment being delayed.

Names of 3.5 million farmers removed from the list
The central government is reviewing the list of beneficiaries of the PM Kisan Yojana. During this process, the names of millions of farmers have been identified. During the verification, some discrepancies were found in the documents of these farmers. So far, more than 3.5 million farmers have been removed from the PM Kisan Yojana. If your name is among those removed, please check your eligibility as soon as possible. If you are eligible for this scheme, you can re-verify the required documents and apply.

When will the 21st installment of the PM Kisan Yojana arrive?
Regarding the 21st installment of the PM Kisan Yojana, a government official stated that the next installment will be released only after ineligible names have been removed from the scheme. Farmers will not receive Rs. 2,000 in their bank accounts before that.

Some farmers have received their 21st installment.
The 21st installment of the PM Kisan Yojana has already reached the bank accounts of some farmers. In fact, funds were transferred to the accounts of farmers in Uttarakhand, Punjab, and Himachal Pradesh in September. PM Modi had already transferred the 21st installment of the Pradhan Mantri Kisan Yojana to the bank accounts of farmers in flood-affected states.

8th pay commission! Shock to millions of pensioners, excluded from the 8th Pay Commission’s scope? Understand the issue.

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8th Pay Commission: Soon after the Central Government issued the complete notification of the Terms of Reference (ToR) of the 8th Pay Commission, a major employee organisation has made a serious allegation that 69 lakh pensioners of the country have not been included in the ToR issued. This allegation has been made by the All India Defence Employees Federation (AIDEF). The organisation says that the part related to ‘Review of Pension and Retirement Benefits’ in the 7th Pay Commission notification of 2014 has been removed in the ToR of the 8th Pay Commission.

What was in the 7th Pay Commission’s ToR?

The 7th Pay Commission’s ToR, issued in 2014, clearly stated that the Commission would also review the pension structure for employees who had already retired. The 7th Pay Commission notification stated, “To examine the principles governing the structure of pensions and other retirement benefits for retired employees, including reviewing the pension revisions of employees who retired before the effective date of these recommendations, while also noting that the retirement benefits of all Central Government employees appointed on or after 01.01.2004 are covered under the New Pension Scheme (NPS).”

This section missing from the 8th Pay Commission’s ToR

This entire section is missing from the 8th Pay Commission’s ToR, issued by the Department of Expenditure, Ministry of Finance, on November 3rd. That is, there is no mention of “review of pensions and other retirement benefits.”

AIDEF’s Protest and Demands

On November 4, AIDEF wrote to Finance Minister Nirmala Sitharaman, requesting that the ToR of the 8th Pay Commission be amended to include all pensioners who have retired or will retire before January 1, 2026. The organization stated in the letter, “It is extremely unfortunate that 6.9 million central government pensioners and family pensioners, who have served the country for more than three decades, have been excluded from the scope of the 8th Pay Commission.”

Additional Demands

In its letter, AIDEF also suggested that the following issues be included in the ToR of the 8th Pay Commission:

Provision for restoration of the reduced pension amount (commuted value) after 11 years.

5% increase in pension every 5 years from the date of retirement, as per the recommendations of the Parliamentary Standing Committee.

What the Government Said

However, amid these allegations and demands, Union Minister Ashwini Vaishnav clarified on October 28 that the 8th Pay Commission recommendations would cover approximately 50 lakh central employees as well as approximately 69 lakh pensioners. Meanwhile, AIDEF has also sent a copy of its letter to Shiv Gopal Mishra, Staff Side Secretary of the National Council-Joint Consultative Machinery (NC-JCM), requesting him to strongly raise the issue with the government.

Before the Delhi blast : Car entered from Badarpur border, parked for 3 hours; suspect caught on CCTV

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At least eight people were killed and several others injured in a high-intensity explosion near the Red Fort in the capital on Monday evening. The incident occurred near the Subhash Marg traffic signal, where a Hyundai i20 car exploded.

According to sources, Delhi Police has obtained CCTV footage showing the suspect’s car entering and exiting the parking area. Preliminary investigations indicate that the suspect was alone at the time. Investigators are now tracing the route towards Daryaganj and examining over 100 CCTV clips to trace the vehicle’s entire movement. The scope of the investigation also includes footage from the toll plaza near the incident site.

The car remained parked in the parking lot near the Red Fort for three hours.

Delhi Police have registered a case under various sections of the Unlawful Activities (Prevention) Act (UAPA), the Explosives Act, and the Indian Penal Code in connection with the blast. The Kotwali police station is investigating the case under sections 16 and 18 of the UAPA and the Explosives Act.

Crime Branch team arrived within 10 minutes
Union Home Minister Amit Shah stated that teams from the Delhi Crime Branch and Delhi Special Branch arrived at the scene within 10 minutes of receiving information about the incident. He said, “The Delhi CP and Special Branch in-charge are also present at the scene. We are investigating all possibilities and will conduct a thorough investigation into all aspects. The results will be presented to the public.”

Delhi Police Commissioner Satish Golcha stated that the explosion occurred when a slow-moving vehicle was stopped at a red light near the Red Fort Metro station. Several nearby vehicles were also damaged due to the blast. FSL and NIA teams are investigating the scene.

Police are now searching for the suspect, and given the seriousness of the matter, security has been increased across the city.

With inputs from news agency ANI

8th Pay Commission 2027: Good news for employees? They could get a big Diwali gift.

The post Before the Delhi blast : Car entered from Badarpur border, parked for 3 hours; suspect caught on CCTV first appeared on Rightsofemployees.com.

There’s great news for central government employees. The government has announced the formation of the 8th Pay Commission and its Terms of Reference (ToR), meaning guidelines. This means the path is now clear for increases in government employees’ salaries, allowances, and pensions. According to reports, the commission will submit its recommendations to the government by April 2027, and they are expected to be implemented by Diwali 2027.

The government has appointed three members to the commission. Former Supreme Court Justice Ranjana Prakash Desai will serve as its chairperson. Professor Pulak Ghosh will serve as a part-time member, and Pankaj Jain will serve as member-secretary. The commission may also submit interim reports periodically, providing quick relief to employees.

What will the 8th Pay Commission do?
According to the government, the commission’s objective is to review the salaries, allowances, bonuses, gratuities, and performance-linked incentives (PLI) of employees and pensioners. This will ensure that the government does not incur additional financial burden and maintains financial balance. The commission will also compare the impact on state governments and the salary structures of PSUs and the private sector to ensure parity.

How much could the salary increase be?
According to estimates from financial institutions like Kotak Institutional Equities and Ambit Capital, this time the fitment factor could be between 1.8 and 2.46. If the basic salary is ₹18,000…

At a 1.82x factor, the new salary would be ₹32,760, a 14% increase.

At a 2.15x factor, the new salary would be ₹38,700, a 34% increase.

At a 2.46x factor, the new salary would be ₹44,280, a 54% increase.

However, the dearness allowance (DA) will be set to zero again, so the actual increase is expected to be around 13-15%.

Changes in bonuses, gratuity, and PLI too
The 8th Pay Commission will not be limited to salaries alone, but will also reconsider bonuses, retirement benefits, gratuity, and the PLI system. The last time the 7th Pay Commission was implemented was in 2016, which resulted in an average salary increase of 14-16%. Now, employees are hopeful that the 8th Pay Commission could provide even greater relief.

The government aims to ensure that the new pay structure not only increases employees’ purchasing power but also improves the country’s economic stability and productivity. If everything goes on schedule, Diwali 2027 could truly be the icing on the cake for government employees.

How to Apply for E-Passport : What makes it different from the old one, where is the chip located — know everything here

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How to Apply for an E-Passport: The e-passport facility has been launched in the country. Its launch has reduced the hassles faced by people during air travel. This e-passport will not only save you time when landing in other countries but will also make your travel more secure. Let’s find out what an e-passport is and how you can get one.

What is an e-passport?
Whenever a passport is mentioned, the first thing that comes to mind is a small black diary, without which you cannot travel abroad. However, with the launch of the e-passport, this diary has changed a bit. An e-passport is similar to an old passport, except it has a chip embedded in the back. This chip contains all the passport holder’s information, such as their name, address, and fingerprints. After this chip is installed, your passport has become much more secure. Along with this, there is a golden color mark on the cover of the e-passport, by looking at which it can be told that it is an e-passport.

How can I get an e-passport?

• The process for getting an e-passport is the same as before. First, you need to register on the official website.
• After that, you need to fill out the online form and submit the fee. Then, you need to book an appointment.
• On the day of your appointment, you need to go to the passport office and provide your biometrics.
• After that, some verification will take place at the passport office. After the verification is complete, your passport will be delivered to your address.

Who can get an e-passport?

Whenever something new is launched, the first question that arises is who can get it. Regarding e-passports, many people have this question: who can apply for one? Those applying for an e-passport are subject to the same rules as those for a regular passport. Currently, this facility is only available at select Passport Seva Kendras (PSKs) and Post Office Passport Seva Kendras (POPSKs) across the country.

Benefits of an e-passport

• There are many significant benefits to having an e-passport. The chip embedded in it keeps your information secure.
• Furthermore, due to the technology built into it, no one can tamper with or alter its information.
• At immigration, the information will be transmitted to the official without the passport even being opened.
• The e-passport has been designed with international security standards in mind, making it valid in all countries.

Gold prices rocket! Find out the price of gold from Delhi to Patna on November 11th.

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Gold Price Today: Gold prices in the domestic futures market are witnessing a sharp rise on Tuesday, November 11. Gold futures with December 5th expiry opened at Rs 1,24,595 (per 10 grams) on the Multi Commodity Exchange (MCX) on Tuesday. On its last trading day, gold had closed at Rs 1,23,970 on MCX.

At 10:35 am on November 11th, gold with December 5th expiry was trading at Rs 1,25,091 on MCX, representing a rise of approximately Rs 1100 from the previous day’s closing price. MCX gold had reached a high of Rs 1,25,839 in early trade.

Meanwhile, silver prices on the MCX also saw a jump on Tuesday. At the time of writing, silver was trading at ₹1,55,508 per kilogram on the MCX. Silver had opened at ₹1,54,600 earlier in the day. Compared to the previous day’s close, silver prices were up by approximately ₹1,800.

Gold prices in your city (according to Good Returns)

Gold prices in Delhi (per 10 grams)

24 carat – ₹1,26,430
22 carat – ₹1,15,900
18 carat – ₹94,860

Gold prices in Mumbai (per 10 grams)

24 carat – ₹1,26,280
22 carat – ₹1,15,750
18 carat – ₹94,710

Gold prices in Chennai (per 10 grams)

24 carat – ₹1,27,640
22 carat – ₹1,17,000
18 carat – ₹97,500

Gold prices in Kolkata (per 10 grams)

24 carat – ₹1,26,280
22 carat – ₹1,15,750
18 Carat – ₹94,710

Gold prices in Ahmedabad (per 10 grams)

24 carat – ₹1,26,330
22 carat – ₹1,15,800
18 carat – ₹94,760

Gold prices in Lucknow (per 10 grams)

24 carat – ₹1,26,430
22 carat – ₹1,15,900
18 carat – ₹94,860

Gold prices in Patna (per 10 grams)

24 carat – ₹1,26,330
22 carat – ₹1,15,800
18 carat – ₹94,760

Gold prices in Hyderabad (per 10 grams)

24 carat – ₹1,26,280
22 carat – ₹1,15,750
18 carat – ₹94,710

The wedding season is about to begin in India. Gold prices have once again skyrocketed. Purchasing gold is becoming increasingly difficult for ordinary people. Rising prices have caused concern. Indians often purchase gold for auspicious occasions like weddings. Purchasing gold is considered auspicious in Indian culture.

Big News for those travelling from Delhi to Jammu and Kashmir: 11 pairs of trains cancelled till March 31, increasing the problems for passengers.

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Heavy rains and flooding continue to cause problems for passengers traveling to Jammu and Kashmir. This situation is not expected to subside anytime soon. Railway officials say that railway tracks and bridges have been damaged at several locations, and repairs are currently underway.

11 pairs of trains cancelled
To allow for bridge repairs near Kathua and Madhopur, near Udhampur, and near Pathankot, 11 pairs of trains, including the New Delhi-Shri Mata Vaishno Devi Katra Vande Bharat Express (22439/22440), the Jammu Tawi-Kathgodam Garib Rath Express and the Kathgodam-Kanpur Central Link Garib Rath Express, the Sarai Rohilla-Jammu Tawi Duronto Express, and the Udhampur-Sarai Rohilla AC Express, will remain cancelled until March 31.

Meanwhile, the Shalimar-Malani Express, the New Delhi-Shri Mata Vaishno Devi Katra Shri Shakti Express, and the Balidani Tushar Mahajan Udhampur-Pathankot DMU will also begin operating later this month. Passengers traveling to Jammu and Kashmir are facing difficulties due to the cancellation of most trains.

People are unable to get confirmed tickets on the running trains. Railway officials say that special trains are being run intermittently to alleviate the inconvenience.

Delhi Car Blast Updates: Black Mask, Mohammad Umar and Jaish… Important clues found in Red Fort blast case, 10 updates

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Delhi Lal Quila Car Blast Case: The mystery of the Delhi car blast case remains unsolved. Why did the car explode near the Red Fort? Who carried out this incident? Which terrorist organization is behind it? The search for answers to these questions continues. The explosion in the car clearly points to a suicide attack.

Security agencies believe that explosives were planted in the car and the car was detonated. It is not known whether the accused, Dr. Umar, is dead or alive. Meanwhile, his mother and brother have been taken into custody. Dr. Umar, the accused, was wanted in the Faridabad terror module. Security agencies suspect that the Faridabad terror module is involved in the Delhi Red Fort car blast. Let us know that the Delhi Police has found several important clues in the Red Fort car blast.

Delhi Lal Quila Car Blast Case Latest Updates:

According to Delhi Police and security agencies, explosives were planted in the car at the Red Fort. The agencies suspect a suicide attack. The car that exploded was purchased by Tariq from Pulwama. He has also been detained. Intelligence agencies suspect that Dr. Umar Mohammed was the passenger in the i-20 car.

According to sources, the investigation so far has revealed links to the Faridabad terrorist module. Police will conduct a DNA test on the deceased passenger in the car. This will confirm whether Dr. Umar Mohammed was the actual passenger in the car. Dr. Umar Mohammed, a terrorist from the Faridabad module, was absconding.
Meanwhile, police have taken major action at the home of accused Dr. Umar. Police have detained Umar’s two brothers and his mother from Pulwama, Jammu and Kashmir. Umar is still untraceable.

Agencies suspect that, just as the Delhi Police and Haryana Police exposed the terrorist module on Monday, multiple groups within the same module are active. Members of one group are unaware of the other. Agencies suspect that as soon as the police uncovered one module, another module may have carried out the blast.

Sources suggest that the Pakistani terrorist organization Jaish-e-Mohammed (JeM) is suspected to be behind the Delhi Red Fort car blast. Sources also suspect JeM members were involved in this car blast. A suicide attack is also suspected. Planting an IED in a car and detonating it has been a JeM module. Terrorists also carried out a similar attack in Pulwama.

In the CCTV footage that has emerged in the Delhi blast case, people are seen in an i20 car. The driver of the car is wearing a black mask. According to sources, the driver is identified as terrorist Mohammad Umar. Two other terrorists were with him before the blast. Sources also indicate that terrorist Umar Umar was alone in the car at the time of the blast. The investigation is currently ongoing.

According to sources, based on CCTV footage from various locations, approximately 13 people are being questioned as suspects. Two people from Kashmir have been detained in connection with the Delhi blasts.

Delhi Police has registered an FIR under the Unlawful Activities (Prevention) Act (UAPA). Delhi Police conducted an overnight search operation in Paharganj, Daryaganj, and nearby hotels. The Delhi Police Special Cell conducted CCTV mapping of the route of the I-20 car, including its origin in Delhi and its journey to the Red Fort.

The Delhi Police Special Cell has requested information from the Faridabad Crime Branch and the J&K Police regarding the explosives recovered in Faridabad. The first FSL report will be released by 12 noon today. The Red Fort has been closed to the public until further orders from the Delhi Police.

Meanwhile, Home Minister Amit Shah will hold an important meeting on the internal security situation in the country following the Delhi car bombings. The meeting will be attended by the Delhi Police Commissioner, the IB chief, the NIA chief, and the RAW chief.

This meeting will take place at 11 am at the Home Ministry’s Kartavya Bhawan.

Post Office Schemes 2025 : Invest with just ₹1000, a golden opportunity to double your money!

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Post Office Schemes 2025: If you’re looking for a scheme that will double your money, your search is about to end today. We’ve brought you a scheme that will guarantee a guaranteed doubling of your money. Investors’ money is 100% secure, and you can invest as little as ₹1,000. Let’s find out what this scheme is.

What is the name of this money-doubling scheme?
This scheme, available at post offices, is called Kisan Vikas Patra. Any Indian can open a Kisan Vikas Patra account, and up to three people can open a joint account. However, joint accounts can be opened in two ways.

Joint A-: To operate this type of account, all account holders (depositors) must sign or consent together. If one person dies, the remaining members can manage it together.

Joint B-: This allows any one account holder to use the account. This means there’s no need for everyone to come together. If one depositor dies, the remaining members can manage it individually.

How much interest do you earn?
The Kisan Vikas Patra account offers a compound interest rate of 7.5%. You can invest as little as Rs 1,000 in this scheme. The most important feature of this account is that you can close it prematurely.

What is Kisan Vikas Patra?
KVP is a small savings scheme of the Government of India. It was launched in 1988 and later relaunched in 2014. Its purpose is to encourage people to make long-term savings and secure investments.

You can purchase KVP from post offices and public sector banks. This scheme is available to every Indian citizen. Joint accounts can also be opened under this scheme, and an account can also be opened in the name of a minor, which can be operated by a guardian.

UPI 123Pay : Payment without internet, just a missed call! How and what is the process?

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UPI 123Pay: Digital payments are all the rage these days. From cities to small towns, people are sending money, paying bills, and making purchases using their mobile phones. But what about the millions of people who still use feature phones or aren’t as comfortable with the internet? For them, Indian Overseas Bank (IOB) has taken a major step. Now, even without a smartphone or internet, you can make payments using UPI with just a missed call and a voice command.

What is the UPI 123Pay system?

UPI 123Pay is an initiative of the Reserve Bank of India (RBI) that allows UPI transactions to be made on feature phones. It’s a system that allows feature phone users to make digital payments. You only need two things: your mobile number linked to your bank account and a feature phone that can make calls. Simply call and send and receive money, or check your balance without internet.

How to use it?

• UPI 123Pay is very easy to use. Simply call 08045163666 from your phone.
  Then select your language.
• Then link your bank account (for first-time users).
• After this, you can choose options like “Send Money” or “Check Balance.”
• Enter your mobile number, UPI ID, or bank details to send money.
• Enter the amount.
• Complete the transaction by entering the UPI PIN.
• Enter the call after receiving the confirmation message.
• No internet connection or app is required. Everything is done through a voice call.

The key feature of UPI 123Pay
The biggest advantage of this system is that it works without internet, reducing the risk of cyber fraud.

It is available in 12 Indian languages ​​and also offers balance checks, past transactions, and UPI PIN management.

IOB and NPST Partnership
Now, Indian Overseas Bank (IOB) is preparing to bring this system to its customers. The bank has partnered with Network People Services Technologies Limited (NPST), which will implement it in collaboration with MissCallPay.

Approximately 850 million people in India still do not use UPI, of which approximately 400 million are feature phone users. This initiative will pave the way for connecting them to the digital payment system.

NPST’s Vision
NPST Chairman Deepak Chand Thakur said, “Voice-based UPI is a step that will connect people from all walks of life in India to the digital economy.” He added that in the future, this system will be integrated with platforms like Alexa and Google Assistant to make payments even easier.

Post Office Schemes 2025 : This post office scheme is a money-doubling machine; you can invest even with Rs 1,000.

The post UPI 123Pay : Payment without internet, just a missed call! How and what is the process? first appeared on Rightsofemployees.com.

Post Office Schemes 2025: If you’re looking for a scheme that will double your money, your search is about to end today. We’ve brought you a scheme that will guarantee a guaranteed doubling of your money. Investors’ money is 100% secure, and you can invest as little as ₹1,000. Let’s find out what this scheme is.

What is the name of this money-doubling scheme?
This scheme, available at post offices, is called Kisan Vikas Patra. Any Indian can open a Kisan Vikas Patra account, and up to three people can open a joint account. However, joint accounts can be opened in two ways.

Joint A-: To operate this type of account, all account holders (depositors) must sign or consent together. If one person dies, the remaining members can manage it together.

Joint B-: This allows any one account holder to use the account. This means there’s no need for everyone to come together. If one depositor dies, the remaining members can manage it individually.

How much interest do you earn?
The Kisan Vikas Patra account offers a compound interest rate of 7.5%. You can invest as little as Rs 1,000 in this scheme. The most important feature of this account is that you can close it prematurely.

What is Kisan Vikas Patra?
KVP is a small savings scheme of the Government of India. It was launched in 1988 and later relaunched in 2014. Its purpose is to encourage people to make long-term savings and secure investments. You can purchase KVP from post offices and public sector banks. This scheme is available to every Indian citizen. Joint accounts can also be opened under this scheme, and an account can also be opened in the name of a minor, which can be operated by a guardian.

Delhi Lok Adalat Date : Lok Adalat is being held in Delhi on November 8th. Will your challan be waived or not? Find out everything.

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Lok Adalat Delhi Date 2025: If you live in Delhi and have a pending challan, this news could be very useful for you. In fact, a Lok Adalat is going to be held once again in Delhi, where your large challans can be settled for less money. Let’s find out when and where the next Lok Adalat is being held in Delhi.

When will the Lok Adalat be held in Delhi?
The next Lok Adalat in Delhi is going to be held on Saturday, November 8th. If you want your challan waived, you can go to the Lok Adalat on this day and get it waived. However, it is not certain that every challan is waived in the Lok Adalat; there are some limits on it. This time, challans issued after July 31, 2025, will be settled.

Where will the Lok Adalat be held in Delhi?

• Patiala House Court
• Karkardooma Court
• Tis Hazari Court
• Saket Court
• Rohini Court
• Dwarka Court
• Rouse Avenue Court

Registration is required first
If you think you can just drive to the Lok Adalat on Saturday morning and settle your challan, you’re making a grave mistake. There’s a process for getting your challan waived at the Lok Adalat. If you don’t follow it, you’ll return empty-handed. To participate in the Lok Adalat, you must first register yourself on the National Legal Services Authority (NALSA) website and upload the required documents. You’ll then receive a token number. Without that token and your vehicle’s documents, you won’t be allowed entry into the Lok Adalat.

HDFC Bank Rate Cut : HDFC Bank has reduced interest rates, home loans will be cheaper, a big relief to customers.

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HDFC Bank Rate Cut: HDFC Bank, one of the country’s largest private banks, has provided significant relief to its customers. The bank has reduced its Marginal Cost of Funds-Based Lending Rates (MCLR). This will result in slightly lower EMIs for home loans, auto loans, and personal loans. The bank has reduced interest rates by 10 basis points (bps), or up to 0.10%, depending on the tenure. The new rates are effective from November 7, 2025.

This change will benefit customers whose loans are linked to MCLR. The bank’s MCLR rates will now range between 8.35% and 8.60%, down from 8.45% and 8.65% previously. This means your home loan EMI will be slightly lower. It’s worth noting that MCLR is directly linked to loan rates. The bank cannot offer loans below MCLR rates. If the bank reduces the MCLR, loan rates will automatically decrease, and customers will directly benefit from this.

HDFC Bank’s New MCLR Rates

• The bank has released new rates for different tenures.
• HDFC Bank’s overnight MCLR rate: Reduced from 8.45% to 8.35%.
• 1-month MCLR rate: Reduced from 8.40% to 8.35%.
• 3-month MCLR rate: Reduced from 8.45% to 8.40%
• 6-month MCLR rate: Reduced from 8.55% to 8.45%
• 1-year MCLR rate: Reduced from 8.55% to 8.50%
• 2-year MCLR rate: Reduced from 8.60% to 8.55%
• 3-year MCLR rate: Reduced from 8.65% to 8.60%

What is MCLR?

MCLR (Marginal Cost of Funds-Based Lending Rate) is the minimum interest rate at which a bank can lend to a customer. It was introduced by the Reserve Bank of India (RBI) in 2016 to bring transparency to interest rates. When a bank’s funding costs decrease or liquidity in the system increases, the bank reduces the MCLR. Based on this, the EMI of floating rate loans (such as home loans, business loans, etc.) also fluctuates. Whenever a bank reduces its MCLR, all loan rates linked to it also fall. This means that customers whose loans are linked to MCLR benefit from the reduction in interest rates in their EMIs.

Learn how MCLR is determined?
HDFC Bank’s current base rate is 8.90%, effective September 19, 2025. The bank’s benchmark prime lending rate (BPLR), or standard interest rate, is set at 17.40% per annum. To determine MCLR, the bank considers interest rates on deposits, the repo rate, operational costs, and the cost of CRR (cash reserve ratio). When the RBI changes the repo rate, it impacts the MCLR.

What are the new home loan interest rates?
HDFC Bank’s home loan interest rates are now linked to the repo rate. According to the bank, the rates for salaried and self-employed individuals range from 7.90% to 13.20%. This means that if the RBI further reduces the repo rate, the bank may also reduce its interest rates further, further reducing customers’ EMIs.

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Bank Closed Today: The festive season may be over, but this month still has plenty of bank holidays. If you’re planning to go to the bank today to get some work done, be sure to check before leaving home whether it’s a bank holiday. Let’s find out if banks are open across the country today.

Are banks closed in Delhi today?
Today is the second Saturday of November, and according to the RBI, banks are closed nationwide on the second and fourth Saturdays of the month. Therefore, today is a holiday not only for Delhi but for banks across the country. Let’s find out when banks will be closed in the coming days.

Bank Closed Today: The festive season may be over, but this month still has plenty of bank holidays. If you’re planning to go to the bank today to get some work done, be sure to check before leaving home whether it’s a bank holiday. Let’s find out if banks are open across the country today.

Are banks closed in Delhi today?
Today is the second Saturday of November, and according to the RBI, banks are closed nationwide on the second and fourth Saturdays of the month. Therefore, today is a holiday not only for Delhi but for banks across the country. Let’s find out when banks will be closed in the coming days.

No work will stop when the bank is closed.
Thanks to Digital India, many banking functions are now being conducted online. From cash withdrawals to cash deposits, you can perform everything even after the bank is closed. Even if your bank is closed, you can withdraw money from an ATM at any time. Many ATMs now offer depositing services. Furthermore, if you need to send money to someone else, you don’t need to visit the bank. Using UPI, you can transfer money within minutes.

Property Alert : Find out online in just 5 minutes whether your house or land documents are correct or not.

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Now, you don’t have to visit the sub-registrar office to check whether your land or house registry is genuine. Most states in the country have digitized land records. This means you can now verify your property’s authenticity online, from the comfort of your home, in just a few minutes. Each state government has its own online portal where registry information can be checked. For example, people in Uttar Pradesh can check their registry by visiting the website igrsup.gov.in.

How to check online

Go to the state’s official website.

Click on the Registry Search or Property Details section.

Fill in the basic information related to your registry, such as the registry number, owner’s name, plot number, district, and registration date.

Once you submit the information, the complete property record will appear on the screen within a few seconds.

This record contains the owner’s name, registration date, stamp duty, and registrar office information. Compare these details with your original registry papers. If the two details match, your registry will be considered genuine. You can also download or print this record to refer to in the future.

What to do if Record Not Found appears?

If the website displays a message stating “Record Not Found” or “Invalid Entry,” your registry is either incomplete or possibly fraudulent. In this case, you should visit the sub-registrar office in your area to verify the entry in the registry book. The fee for offline verification ranges from 50 to 200 rupees.

If you want to know the complete history of the property, obtain an Encumbrance Certificate (EC). This contains a record of all transactions related to the land or house. It also reveals whether there are any debts, disputes, or legal claims on the property. Additionally, review the mutation record to determine whether ownership has been transferred to the correct name.

Why Online Verification is Important

Checking the registry online not only prevents fraud and disputes, but also serves as valid proof when applying for a bank loan or selling the property. Officials say that the entire process is completed in just 5 minutes and you can easily do it from your mobile or laptop.

EPFO Update : Postman will now provide a great facility, get digital life certificate made from home

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India Post Payments Bank: Public sector India Post Payments Bank will provide digital life certificate services to EPFO ​​pensioners at their doorsteps. A Memorandum of Understanding (MoU) has been signed between the two organizations. Under this collaboration, India Post Payments Bank (IPPB) will leverage its extensive network of over 1.65 lakh post offices and 300,000 postal service providers (postmen and Gramin Dak Sevaks) equipped with banking devices.

These devices are used to digitally process facial recognition technology and fingerprint biometric verification to assist EPFO ​​pensioners in submitting their digital life certificates.

About the Agreement

India Post Payments Bank has signed a Memorandum of Understanding (MoU) with the Employees’ Provident Fund Organization (EPFO) to provide digital life certificate services at the doorsteps of its pensioners under the Employees’ Pension Scheme, 1995. Digital Life Certificate (DLC) allows pensioners to perform online verification instead of visiting the office every year. This eliminates the need for them to visit bank branches or EPFO ​​offices to submit traditional paper-based certificates.

According to a statement, the EPFO ​​will bear the entire cost of issuing digital life certificates, making the service free for its pensioners. India Post Payments Bank launched the Digital Life Certificate Doorstep service in 2020 to generate life certificates for pensioners using Aadhaar-enabled biometric authentication to reduce the time taken to issue life certificates.

Visweswaran said, “This partnership with EPFO ​​reaffirms IPPB’s mission of bringing essential financial and civic services to every household in India. With access to our technology-enabled postal network and reliable last mile connectivity, EPFO ​​pensioners will now be able to submit their life certificates with ease.”

According to the statement, to avail this service, EPFO ​​pensioners will have to contact their postman or Gramin Dak Sevak or visit their nearest post office, provide Aadhaar number and pension details for Aadhaar linked face authentication or fingerprint biometric verification.

8th Pay Commission: ₹18,000 basic salary set to increase to ₹51,480 – find out when it will be implemented

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8th Pay Commission: The Union Cabinet, led by Prime Minister Narendra Modi, took a major decision on Thursday. Union Minister Ashwini Vaishnav announced the formation of the 8th Pay Commission. The commission’s purpose is to revise the salaries, pensions, and allowances of central government employees and pensioners. This announcement comes just days before Budget 2025.

What is the 8th Pay Commission?
This commission will make recommendations for changes in the salaries, dearness allowance (DA), and pensions of central government employees and retirees. Allowances based on inflation will also be included.

How much will salaries increase?
The government has not yet officially announced the percentage of salary increases. However, reports suggest that the minimum basic salary could increase from ₹18,000 to ₹51,480 based on the fitment factor.

What is the fitment factor?
It is a multiplier used to calculate salaries and pensions. It takes into account factors such as inflation, the government’s financial situation, and the needs of employees.

Who will benefit?
– Approximately 5 million central government employees (including defense personnel).

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PM Kisan 21st Installment 2025: The government has already released the 21st installment of the Pradhan Mantri Kisan Samman Nidhi (PM Kisan) scheme for flood- and landslide-affected farmers in Jammu and Kashmir. Now, farmers in states where the installments have not been released are awaiting their installments.

Amid the Bihar Assembly elections in 2025, the 21st installment of the Pradhan Mantri Kisan Samman Nidhi Yojana is expected to be deposited into farmers’ accounts soon.

To help farmers

Under this scheme, the central government provides farmers with financial assistance of ₹6,000 annually to help with their farming and daily needs. Twenty installments have been released so far, and millions of farmers are eagerly awaiting the 21st installment, which is expected in early November 2025.

E-KYC is essential for farmers

E-KYC is mandatory for every farmer. Without e-KYC, farmers may lose the ₹2,000 installment. Therefore, ensure timely e-KYC is completed. E-KYC (Electronic Know Your Customer) is mandatory for all PM Kisan beneficiaries. Without it, the farmer’s name may be removed from the beneficiary list.

You can complete e-KYC in three easy ways:

OTP-based e-KYC: If your Aadhaar is linked to your mobile number, visit the PM Kisan website and verify using the OTP.

Biometric e-KYC: Visit your nearest Common Service Center (CSC) for fingerprint authentication.

Face Authentication: For senior citizens and physically disabled farmers, a special feature is now available at CSCs that allows e-KYC through facial recognition.

According to the scheme’s official website, e-KYC is mandatory for PM Kisan registered farmers.

How to check PM Kisan benefits?

• Go to https://pmkisan.gov.in/.
• Click on “Know Your Status” on the right.
• Enter your registration number, enter the captcha code, and select “Get Data.”
• Your installment status will now be displayed on the screen.

To check your name:

• Click on the “Beneficiary List” tab on the website.
• Select your state, district, block, and village.
• Click “Get Report.”
• This will open a list of all beneficiaries in your village.
• Farmers can contact the helpline number 155261 or 011-24300606 if needed.

8th Pay Commission : Big update on 8th Pay Commission, new salary structure will be implemented from 2027!

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8th Pay Commission latest Update: The 8th Pay Commission for central government employees and pensioners will submit its report within 18 months. The government has appointed the chairman and members of the 8th Pay Commission. This commission will work on changes to the pay structure, fitment factor, and allowances for central government employees. According to reports, dearness allowance (DA) may be reduced to zero under the 8th Pay Commission. Currently, central government employees receive 58% DA of their basic salary.

Changes in allowances in the 8th Pay Commission

The 8th Pay Commission will have the biggest impact on dearness allowance (DA). Reports suggest that DA may be zero under the 8th Pay Commission. It is expected that upon implementation of the new Pay Commission’s recommendations, the existing DA will be merged with the basic salary. After this, DA calculations will start from zero. The government currently increases DA twice a year, and this trend will continue. Currently, the government increases DA by an average of 7 to 8% annually.

When will the new pay commission be implemented?

The 8th Pay Commission has been asked to submit its report within 18 months. This means that the new pay commission is expected to be implemented by early 2027. According to experts, dearness allowance will be reduced to zero under the 8th Pay Commission.

What is the fitment factor?

The fitment factor is the multiplier used to multiply the basic pay of the previous pay commission to obtain the new basic pay. For example, in the 7th Pay Commission, the fitment factor was set at 2.57. This means that if an employee’s basic pay was ₹35,000, the new basic pay would be ₹35,000 × 2.57 = ₹89,950. Now, in the 8th Pay Commission, this fitment factor is expected to be between 2.0 and 2.5.

How will salary be calculated?

The new salary structure is determined by multiplying the fitment factor by the basic pay of the previous Pay Commission. For example, if an employee’s basic pay is ₹35,000 and the new fitment factor is 2.11, the new basic pay will be ₹35,000 × 2.11 = ₹73,850.

What will be the salary if a 2.0 fitment factor is applied?

If an employee’s current basic pay is ₹50,000 and the new fitment factor is 2.0, the new salary will be ₹50,000 × 2.0 = ₹100,000. Allowances such as house rent allowance and dearness allowance will also be added to this. Additionally, allowances such as HRA (House Rent Allowance) and DA (Dearness Allowance) also increase based on the basic pay. It should be noted that there are 18 pay levels for central government employees.

EPFO New Scheme 2025! This new EPFO ​​scheme benefits employees, makes enrollment easy, and deposits deducted funds.

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Kotak Rural Opportunities Fund: Kotak Mutual Fund has announced the launch of the Kotak Rural Opportunities Fund. This is an open-ended equity scheme that tracks rural India and related themes. The scheme will be open to investors from November 6, 2025, to November 20, 2025. The fund aims to enhance investors’ wealth over the long term.

The fund will invest in stocks of companies that are engaged in or benefit from rural development and transformation in India. The benchmark index for this scheme will be the Nifty Rural Index TRI.

Kotak Mahindra issued a statement
Nilesh Shah, Managing Director of Kotak Mahindra Asset Management Company Limited (KMAMC), said that rural India is no longer limited to agriculture. It has become a new frontier for India’s development. From financial inclusion to digital connectivity and local manufacturing, rural India is witnessing a major transformation. This change is driven by opportunities, new expectations, and government policies.

Rising incomes and consumption in rural areas are now a key driver of growth. Kotak Rural Opportunities Fund aims to help investors participate in this transformation. Investors will receive a diversified and robust stock portfolio, which will be periodically reviewed and updated to take advantage of new opportunities emerging in the rural economy.

What is the investment strategy?
The objective of this scheme (Mutual Fund) is to generate good returns over the long term. To achieve this, the fund manager will invest the majority of the funds in stocks of companies operating in rural and related areas. These companies have branches, distribution networks, supply chains, raw material procurement, projects, factories, mines, or plants located in rural areas, whether currently operating or under construction. This scheme will adopt an active investment strategy, meaning that buying and selling will be done based on market conditions. The fund manager may also include other industries or stocks from time to time, as per the Nifty Rural Index and AMFI regulations.

Rural India’s economy picks up pace
Rural India is rapidly changing, with nearly 40% of rural people now engaged in work other than agriculture. Since 2018, rural women’s employment has nearly doubled, leading to a rise in the number of dual-income households. Furthermore, more than half of rural expenditures are now on items other than food. This indicates an increase in income and expenditure in rural areas.

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EPFO New Scheme 2025: Almost all employees working in India have a PF (Provident Fund) account. PF accounts in India are operated by the Employees’ Provident Fund Organisation (EPFO). The Ministry of Labour and Employment has launched the Employees’ Enrolment Scheme (Employees’ Enrolment Scheme) 2025. This scheme aims to provide social security coverage to as many employees as possible under the Employees’ Provident Fund Organisation (EPFO). The scheme aims to provide EPF coverage to employees who were left out for some reason. Employers are being given the opportunity to enroll their left-out employees.

This scheme will cover all employees who joined the organization between July 1, 2017, and October 31, 2025, and who are still working with that company. The Ministry of Labor and Employment launched this scheme on November 1st, the EPFO’s 73rd Foundation Day. Union Labor and Employment Minister Mansukh Mandaviya also launched the EPFO’s new website, www.epfo.gov.in. It now features a simpler interface, improved navigation, and simplified access to all services.

What is the Employees’ Enrollment Scheme 2025?
This scheme will run for six months from November 1, 2025, until April 30, 2026. Its purpose is to encourage employers to bring under the ambit of the Employees’ Provident Fund (EPF) those employees who, for whatever reason, have not been able to enroll themselves. The official circular dated October 10, 2025, giving information about this, refers to it as the Employees’ Provident Funds (Amendment) Scheme, 2025.

Who can apply?
Under this scheme (EPFO Scheme 2025), any company or establishment can participate in the enrollment drive, whether it is already covered under EPF or not. Under this drive, employers can register employees who started working for them between July 1, 2017, and October 31, 2025 (July 1, 2017 – October 31, 2025) and who are alive and employed as of the date of declaration.

Compliance for these employees will be considered to begin from the month in which the employer submits their declaration of joining. The government is also giving such institutions an opportunity to regularize their old compliance under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952.

What will be the benefit of enrollment?
The biggest benefit of enrollment under this campaign is that if an employee’s EPF contribution has not been deducted before, their Employee Share will be waived. The employer will only have to pay the Employer’s Share, interest calculated under Section 7Q, and administrative charges. Additionally, a one-time payment of a penalty of ₹100 in all these cases will be considered compliance under all three schemes—EPF Scheme 1952, EDLI Scheme 1976 (Employees’ Deposit Linked Insurance Scheme, 1976), and EPS Scheme 1995. After this, the full benefits of all three schemes will be available.

Contributions will be deposited through electronic challan.
The mandatory condition of this scheme is that employers must generate a face authentication-based UAN for each employee through the UMANG app and deposit the contribution through electronic challan (ECR).

EPFO’s new homepage also launched
In addition, the Labor Minister also launched the EPFO’s new homepage, www.epfo.gov.in, which is a more user-friendly domain name. It will provide an improved interface, easier navigation, and easier access to key services and information for stakeholders.

Top-5 Business Ideas : Start these 5 side businesses along with your job, you will earn a huge income.

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Top 5 Business Ideas: Expenses are rising, lifestyles are changing, and everyone wants to earn more and more money. This is why the trend of running a side business alongside a job is rapidly increasing. In India, the gig economy and digital platforms have made this even easier. People are now using their passions, skills, and free time to earn extra income. Sometimes, these side businesses eventually become a major career.

Let’s explore some business ideas that you can pursue alongside your job.

What side businesses can you start in India?

1. Freelancing Services
If you have skills like writing, designing, coding, video editing, or social media management, freelancing is the best option for you. Thousands of clients are currently looking for work on platforms like Upwork, Fiverr, Freelancer, and LinkedIn. You can set your own rates, whether by the hour or by the project. The best part is that you can do this in your free time after work and gradually build your client base.

2. Online Teaching
The demand for online tutoring and coaching is rapidly increasing. Whether it’s school subjects, language training, music, yoga, or professional skills like digital marketing and coding, students are eager for everything. A few hours in the evenings or weekends can easily generate a good side income.

3. Home-Based Food Business
This is one of the easiest and most popular side businesses for those who love to cook. You can start baking (cakes, cookies, pastries), meal prep services, or catering for small events from home. Home chefs are also joining platforms like Swiggy and Zomato these days. If your taste is good and the packaging is attractive, this business can quickly become popular.

4. Blogging or YouTube Channel
If you enjoy speaking or writing about topics like technology, finance, fashion, travel, or cooking, you can start a blogging or YouTube channel. It will take some time and effort initially, but as your audience grows, your income will increase through ads, brand deals, and affiliate marketing. Consistency is key; even one video or blog a week can make a significant difference.

5. Photography
If you enjoy playing with your camera, you can turn photography into a side business. You can earn a good income from weddings, birthday parties, corporate events, or product shoots. You can also earn money by uploading your photos to platforms like Shutterstock, Adobe Stock, or Getty Images. Simply upload a photo once and you’ll earn money on every download.

What are the benefits of a side business?
There are many benefits to starting a side business. First, you earn extra income, making it easier to pay EMIs, repay loans, or improve your lifestyle. Secondly, if you ever face any difficulties at work, you have a backup income. Additionally, running a side business also helps you learn new skills, such as marketing, money management, or networking.

It often gives you the opportunity to pursue your passions, which you might not otherwise be able to do at your job. Connecting with new clients and suppliers expands your professional circle. And most importantly, a small side business can gradually grow to become your full-time career.

New Pension Rule : The government has made new rules for pension, now there will be no irregularities.

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New Pension Rule: The Central Government has clarified how pension and family pension will be calculated for employees under the Central Civil Services (Pension) Rules, 2021. The Department of Pension and Pensioners’ Welfare (DoPPW) has issued an office memorandum to clear up confusion regarding which day will be considered an employee’s “last working day” for pension purposes. This means that an employee’s pension or family pension will now be determined according to the rules of their last working day.

In essence, the rules of the day an employee retires, leaves their job, or dies will apply. This government order has been issued to eliminate confusion about which day will be considered the last working day for calculating pensions. This will eliminate any difficulties or errors in pension calculations.

Pension rules will be determined as follows:
Under Rule 5 of the new CCS (Pension) Rules, 2021, it has been stipulated that the pension or family pension of any government employee will be determined according to the rules applicable on the date of retirement, resignation, removal from service, or death. The government clearly stated in its order, “The pension or family pension of any government employee will be determined according to the rules applicable at the time of retirement, resignation, or death.”

What happens if an employee is on leave or suspended?
According to a report in Business Standard, the government has also clearly stated that if an employee is on leave, absenteeism, or under suspension before retirement, the date of their retirement or death will be considered part of that period. This means that in such cases, there will be no break in their service. This means that pension calculations will continue, and the pension of the employee or their family will not be affected.

New Rules for Family Pension
A new rule has been issued regarding family pension. According to the new rule, after the employee’s death, their parents will be required to submit a life certificate to receive their pension. This will keep their records updated with the government and prevent the possibility of mistakenly overpaying a pension if one parent dies. According to Rule 12(5) of the new CCS (Extraordinary Pension) Rules, 2023, if a government employee does not have a wife or children, their parents will receive a family pension for life. This rule ensures the financial security of such parents.

New Pension Rule: The government has made new rules for pension, now there will be no irregularities.

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New Pension Rule: The Central Government has clarified how pension and family pension will be calculated for employees under the Central Civil Services (Pension) Rules, 2021. The Department of Pension and Pensioners’ Welfare (DoPPW) has issued an office memorandum to clear up confusion regarding which day will be considered an employee’s “last working day” for pension purposes. This means that an employee’s pension or family pension will now be determined according to the rules of their last working day.

In essence, the rules of the day an employee retires, leaves their job, or dies will apply. This government order has been issued to eliminate confusion about which day will be considered the last working day for calculating pensions. This will eliminate any difficulties or errors in pension calculations.

Pension rules will be determined as follows:
Under Rule 5 of the new CCS (Pension) Rules, 2021, it has been stipulated that the pension or family pension of any government employee will be determined according to the rules applicable on the date of retirement, resignation, removal from service, or death. The government clearly stated in its order, “The pension or family pension of any government employee will be determined according to the rules applicable at the time of retirement, resignation, or death.”

What happens if an employee is on leave or suspended?
According to a report in Business Standard, the government has also clearly stated that if an employee is on leave, absenteeism, or under suspension before retirement, the date of their retirement or death will be considered part of that period. This means that in such cases, there will be no break in their service. This means that pension calculations will continue, and the pension of the employee or their family will not be affected.

New Rules for Family Pension
A new rule has been issued regarding family pension. According to the new rule, after the employee’s death, their parents will be required to submit a life certificate to receive their pension. This will keep their records updated with the government and prevent the possibility of mistakenly overpaying a pension if one parent dies. According to Rule 12(5) of the new CCS (Extraordinary Pension) Rules, 2023, if a government employee does not have a wife or children, their parents will receive a family pension for life. This rule ensures the financial security of such parents.

Petrol-Diesel Price Today: Fuel prices changed on November 5, know the rate in your city

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There has been no change in the prices of petrol and diesel in Lucknow, the capital of Uttar Pradesh, today (November 5, 2025). Petrol prices remain at ₹94.69 per liter and diesel at ₹87.81 per liter. Over the past 10 days, petrol prices have ranged between ₹94.52 and ₹94.73, while diesel prices have also fluctuated slightly, ranging from ₹87.61 to ₹87.86 per liter. Prices may vary slightly according to different sources. Prices in other cities of Uttar Pradesh may vary slightly, depending on their location and local taxes.

Petrol is cheapest in Agra, at ₹94.50 per liter. Rates were recorded at 94.82 per liter in Aligarh, 95.34 in Amroha, 95.00 in Auraiya, 95.45 in Azamgarh, 94.76 in Baghpat, 94.84 in Bahraich, 95.62 in Ballia, and 95.03 in Balrampur. This means that petrol prices across the state vary by approximately 1.5 per liter. These rates are taken from different sources.

How to check petrol and diesel prices in your city via SMS
If you want to know the petrol and diesel rates in your city via mobile, you can get the information by simply sending an SMS using the steps below.

Indian Oil (IOCL) customers

Type your city code – such as “RSP<space>city code” – and send it to 9224992249.

Bharat Petroleum (BPCL) customers

SMS “RSP<space>city code” and send it to 9223112222.

Hindustan Petroleum (HPCL) customers

SMS “HPPRICE<space>city name” and send it to 9222201122.

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8th Pay Commission: The Central Government on Tuesday announced the names of the remaining two members of the Eighth Pay Commission, along with the working methodology. The aim of the new Pay Commission will be to make responsibility, accountability and performance of employees the basis for salary hike. The Pay Commission will recommend necessary changes in the salaries, allowances, bonuses, pensions and other facilities of the employees, so that a salary structure is created which is incentivizing for better work and is performance based.

What is the notification?
According to the notification, Justice Ranjana Prakash Desai will be the chairperson of the commission, along with Professor Pulak Ghosh as a part-time member and Pankaj Jain as the member secretary. The commission will be headquartered in New Delhi. The commission will submit its report to the government within 18 months. The commission may involve experts, consultants, and institutions in this work. If changes are made in line with previous pay commissions, a significant increase in salaries and pensions is possible. It is estimated that if the fitment factor is increased, a monthly pension of ₹25,000 could increase to ₹50,000.

Bonuses and allowances will be reviewed.
The commission will review all allowances, including the existing bonus scheme, and examine their utility and conditions. If necessary, unnecessary allowances will be eliminated. Death-cum-retirement gratuity will be reviewed for employees joining the National Pension System. Recommendations will also be made on pension and gratuity rules for employees with old pension plans outside the NPS.

Which allowances could be affected? While no official information has yet been released, it is estimated that the following allowances may be affected: travel allowance, special duty allowance, minor regional allowances, and old departmental allowances (such as typing/clerical allowance). The government’s goal behind this is to simplify and understand the salary structure.

Banks Closed Today : Are banks open or closed in Delhi on Guru Nanak Jayanti? Find out here before leaving home.

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Guru Nanak Jayanti Bank Holiday: Along with Kartik Purnima, Guru Nanak Jayanti is also being celebrated across the country today. Many schools are also closed on this special day. Consequently, many people are wondering whether banks will be closed today. If you’re also searching for the answer, let us tell you whether banks will be open today.

Are banks open today?
Today, November 5th, on the occasion of Guru Nanak Jayanti, the RBI has declared a holiday in several states. According to the RBI calendar, banks are closed today in Mizoram, Maharashtra, Madhya Pradesh, Odisha, Chandigarh, Uttarakhand, Telangana, Arunachal Pradesh, Rajasthan, Jammu and Srinagar, Uttar Pradesh, Nagaland, West Bengal, New Delhi, Chhattisgarh, Jharkhand, and Himachal Pradesh. However, in other states, banks will operate as usual.

How many days will banks remain closed in November?

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Alimony Taxable Rules: A substantial amount is often paid as maintenance between a husband and wife upon divorce. Sometimes, this amount ranges from 50-60 lakh rupees to even crores. In such a situation, anyone receiving an alimony payment inevitably wonders whether this amount will be taxable. Let’s find out what the law says about this.

Tax expert Balwant Jain explained that when a lump sum payment is made as alimony on a court order, it is not taxable. This amount is called a capital receipt. In a case, Princess Maheshwari Devi of Pratapgarh v. CIT, the Bombay High Court clearly stated that alimony is not taxable because it is not income but a settlement amount.

Is monthly maintenance taxable?
There are two types of alimony: lump sum and monthly. Lump sum alimony is not taxable, but the rules for monthly maintenance are slightly different. For example, if the husband pays monthly maintenance after divorce, this amount is taxable. According to income tax rules, the wife must add the monthly maintenance to her income and pay tax. This is because this amount is received repeatedly every month. However, if the husband pays money for the children’s expenses, it is not taxable.

Some people are under the misconception that if a husband pays alimony to his wife after divorce, he may receive some income tax relief. However, this belief is completely wrong. Whether the alimony amount is paid in lump sum or as monthly maintenance, the husband does not receive any tax deduction on this payment.

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Petrol and Diesel Prices on November 04, 2025: Oil marketing companies update petrol and diesel prices every day at 6 am in line with fluctuations in global crude oil prices and currency exchange rates.

Marketing companies release oil prices daily to promote transparency and ensure consumers receive the latest fuel prices.

Petrol Price Today (Rs. per liter)

• New Delhi: 94.77 (0.00)
• Kolkata: 105.41 (0.00)
• Mumbai: 103.50 (0.00)
• Chennai: 101.03 (+0.13)
• Gurgaon: 95.12 (-0.72)
• Noida: 94.71 (-0.34)
• Bangalore: 102.92 (0.00)
• Bhubaneswar: 100.93 (0.00)
• Chandigarh: 94.30 (0.00)
• Hyderabad: 107.46 (0.00)
• Jaipur: 104.72 (-0.35)
• Lucknow: 94.69 (0.00)
• Patna: 105.58 (0.00)
• Thiruvananthapuram: 107.48 (0.00)

Diesel Price Today (Rs. per liter)

• New Delhi: 87.67 (0.00)
• Kolkata: 92.02 (0.00)
• Mumbai: 90.03 (0.00)
• Chennai: 92.61 (+0.13)
• Gurgaon: 87.59 (-0.70)
• Noida: 87.81 (-0.38)
• Bangalore: 90.99 (0.00)
• Bhubaneswar: 92.51 (0.00)
• Chandigarh: 82.45 (0.00)
• Hyderabad: 95.70 (0.00)
• Jaipur: 90.21 (-0.32)
• Lucknow: 87.81 (0.00)
• Patna: 91.82 (0.00)
• Thiruvananthapuram: 96.48 (0.00)

Bank Holiday Alert : Will banks be closed or open tomorrow on Guru Nanak Jayanti? See the full list of RBI holidays.

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Bank Holidays 2025: Banks will be closed for five consecutive days from November 5th to November 9th due to a variety of events, including widely celebrated festivals across India. However, bank holidays vary from city to city and depending on the occasion. From November 5th to November 8th, numerous events are scheduled, including Guru Nanak Jayanti, Kartik Purnima, Nongrem Dance, and Kanakadasa Jayanti. Banks will be closed on November 9th, being a Sunday. Find out when banks will be closed in your city and whether they will be closed tomorrow, November 5th, for Prakash Parv, Guru Nanak Jayanti, Kartik Purnima, and Raas Purnima. Find out here:

Where will banks be closed on November 5th?
Tomorrow, November 5th, the country will celebrate Prakash Parv, Guru Nanak Jayanti, Kartik Purnima, and Raas Purnima. In such a situation, on November 5, there will be a bank holiday in Aizawl, Belapur, Bhopal, Bhubaneswar, Chandigarh, Dehradun, Hyderabad, Itanagar, Jaipur, Jammu, Kanpur, Kohima, Kolkata, Lucknow, Mumbai, Nagpur, New Delhi, Raipur, Ranchi, Shimla, Srinagar.

When are bank holidays in November?

• Nongkrem dance is on November 6, 2025, and Shillong will be closed on this occasion.
• Wangala Festival is on November 7, 2025, and banks will be closed in Shillong for this reason.
• Kanakadasa Jayanti and the second Saturday are on November 8, 2025, so banks will be closed nationwide.
• November 9, 2025, is a Sunday, a weekly holiday for banks. Banks will be closed nationwide.
• November 16, 2025, is a Sunday, and banks will be closed nationwide.
• November 22, 2025, being the fourth Saturday, will be closed nationwide.
• November 23, 2025, is a Sunday, and banks will be closed nationwide.
• November 30, 2025, is also a Sunday, a weekly holiday.

8th Pay Commission: Will HRA increase? Find out how much your salary will increase under the 8th Pay Commission.

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8th Pay Commission: The Central Government recently approved the Terms of Reference (ToR) for the 8th Pay Commission. This commission will review the salaries of central employees and the pensions of retired employees. It is believed that the 8th Pay Commission will be implemented from January 1, but salary increases will take some time. Let’s find out if the HRA will also increase upon the implementation of the 8th Pay Commission.

What will increase under the 8th Pay Commission?
Several allowances may also increase with the implementation of the 8th Pay Commission. These allowances include house rent allowance (HRA), travel allowance (TA), education allowance, and medical allowance. It is believed that a significant increase in the basic salary of employees is possible.

What is ToR?
Under the Terms of Reference (ToR) of the 8th Pay Commission, the Commission will have to examine whether the salaries, allowances, and other benefits provided to central employees and pensioners are appropriate for the current situation. The Commission will also need to consider the country’s economic situation, budgetary constraints, and the impact on state governments. It will also need to understand the benefits available to employees in private and public companies.

The command of the 8th Pay Commission has been handed over to former Supreme Court judge Justice Ranjana Prakash Desai. Along with this, two other people have been made members of the commission. These three will jointly review the salaries. It is believed that this time the salary may increase by 30-35 percent. If this happens, then the basic pay of an employee whose basic pay is 18 thousand rupees can reach 33 thousand to 44 thousand rupees. It should be noted that the last time the 7th Pay Commission was formed in the year 2014 and its recommendations were implemented from January 1, 2016.

EPFO: Withdrawing money from your PF account is very easy. Learn the complete step-by-step process here.

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EPFO: Employed individuals will now be able to withdraw the full amount from their PF accounts. However, there will be a requirement to maintain a minimum balance of 25%. This means that you will be able to withdraw 75% of your PF account easily. Withdrawing from your EPF will now be easier than ever. It’s also a relief that you won’t need to provide a reason for withdrawing 75% of your funds. In cases of natural disasters, pandemics, job loss (unemployment), and other such special circumstances, you will be able to withdraw funds without providing a reason.

To further modernize its services, the EPFO ​​has approved the “EPFO 3.0” digital transformation framework, which will include features such as cloud-based technology, mobile apps, and automatic claim settlement.

100% Withdrawal Facility
EPFO has eliminated 13 previous, onerous rules and now allows partial withdrawals in only three categories: essential needs (illness, education, marriage), housing needs (house-related expenses), and special circumstances. Members will now be able to withdraw the entire balance in their PF account (including both employee and employer portions). Previously, only three withdrawals were allowed for education and marriage, but now 10 withdrawals can be made for education and five for marriage.

Additionally, the minimum service period, which previously varied for different requirements, has been reduced to 12 months. The most significant change is that employees can now withdraw up to 100% of the balance in their account, including both the employee and employer contributions.

25% minimum balance required
EPFO has also ensured that members always maintain a minimum balance of 25% in their accounts. This will ensure that members continue to benefit from an interest rate of 8.25% and compound interest, which will help them build a substantial retirement corpus.

Withdrawals without explanation
Previously, in special circumstances (such as natural disasters, unemployment, or pandemics), a reason had to be given for withdrawals. Claims were often rejected in these circumstances. Now, this hassle has been eliminated. Members will be able to withdraw money without explanation under special circumstances.

How to withdraw money from EPF online?
These conditions must be met for online EPF withdrawals:

1. The UAN must be active and the registered mobile number must be working.

2. The UAN must have KYC (Aadhaar, PAN, bank details, and IFSC) linked to it.

3. If these conditions are met, employer verification is not required.

Steps to withdraw EPF on the UAN portal

1. Go to the UAN portal. Login with your UAN and password, enter the captcha, and click “Sign In.”

2. Go to Manage > KYC and verify your Aadhaar, PAN, and bank details.

3. Select Online Services > Claim (Form-31, 19, 10C, and 10D).

4. Enter your bank account number and verify.

5. Click “Yes” and sign the certificate of undertaking.

6. Click on “Proceed for Online Claim.”

7. Select the withdrawal type in the “I Want To Apply For” section:

Full EPF settlement

Partial PF withdrawal

Pension withdrawal

8. Fill out the form and click “Submit Certificates.” Upload scanned documents if required.

9. After your claim is verified, the money will be credited to your account.

Credit Card Money Transfer : How to transfer money from a credit card to a bank account? Learn the step-by-step process here.

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Transferring money from a credit card to your bank account can be useful in certain situations, such as when you need money urgently or want to take advantage of a promotional offer (such as a balance transfer). However, it’s important to understand that these transactions may incur higher fees and interest.

When you transfer money from a credit card to a bank account, it’s called a cash advance. This applies a higher interest rate than a regular purchase and may also incur additional charges. Therefore, always review your credit card’s terms and conditions first.

Ways to Transfer Money from a Credit Card to a Bank Account

Through Net Banking (if the bank offers this feature)

Some banks in India offer the ability to transfer money directly from a credit card to a bank account through their net banking platforms.

• Advantages: Easy and fast.
• Disadvantages: Not every bank offers this feature. Transfer limits are also set.
  Steps:
• Login to your bank’s net banking site.
• Go to the “Credit Card” or “Funds Transfer” section.
• Select an option like “Transfer from Credit Card” or “Cash Advance.”
• Enter the transfer amount and bank account details.
• Check the details and confirm the transaction.

Phone Banking

Some credit card companies allow you to make a transfer by calling the customer care number.

• Advantage: No internet connection required.
• Disadvantage: May require a wait time on the call.

Steps:

• Call your credit card company’s customer care number.
• Inform them that you want to transfer money to your bank account.
• Provide the amount and account details.
• Follow their instructions for further processing.

Cash Advance and Deposit
This method allows you to withdraw cash from an ATM using your credit card and then deposit it into your bank account. This is the most expensive method because it incurs a high interest rate and a cash advance fee, which is calculated on the same day of the transaction. Use this method only in emergencies.

Why shouldn’t you transfer money from a credit card to a bank account?

• High fees: Credit card to bank transfers are considered cash advances. Fees may range from 2.5% to 3%.
• High interest rates: Interest accrues immediately, with no grace period. This rate is higher than for regular purchases.
• Detrimental impact on credit score: Repeated cash advances increase your credit utilization ratio. This can be considered a sign of financial stress and can lower your score.

BCCI’s big gift : Women’s team receives crores for winning the World Cup

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Indian Women Cricket Team Victory: On the night of November 2nd, the Indian women’s cricket team achieved what millions of countrymen had been waiting for years. From PM Modi to many prominent leaders, everyone congratulated the daughters of India on their victory. The Indian women’s team is not only receiving congratulations for this historic win, but they are also receiving a shower of money.

BCCI Opens Its Coffers
The ICC has already awarded the team ₹39.55 crore in prize money for winning the World Cup trophy. Following this, the Board of Control for Cricket in India has announced a huge prize money for the entire team. BCCI Secretary Devajit Saikia has announced a whopping prize money of ₹51 crore for the Indian women’s cricket team.

Captain Harmanpreet gave credit to everyone for the win.
The Indian women’s cricket team, led by Harmanpreet, defeated South Africa by 52 runs to win their first ICC trophy. Harmanpreet said after the match that the entire credit goes to the team and every member of the team. “We had lost three consecutive matches, but the way we played after that. We knew we could turn things around. We believed in ourselves and remained positive. This team deserved the win. Credit goes to the BCCI and the fans for their support, who always stood by us through the ups and downs.”

India’s playing XI: Shefali Verma, Smriti Mandhana, Jemimah Rodrigues, Harmanpreet Kaur (captain), Deepti Sharma, Richa Ghosh (wicketkeeper), Amanjot Kaur, Radha Yadav, Kranti Goud, Shree Charani, Renuka Singh Thakur.

South Africa’s playing XI: Laura Wolvaardt (captain), Tazmin Brits, Anneke Bosch, Sune Luus, Marizanne Kapp, Sinalo Jafta (wicketkeeper), Anneri Derksen, Chloe Tryon, Nadine de Klerk, Ayabonga Khaka, Nonkululeko Mlaba.

Credit Card UPI Payment Charges: Will there be no charges for UPI using a credit card? Learn NPCI’s guidelines.

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RuPay Credit Card UPI Payment Charges: If you also make payments by linking your credit card to UPI while shopping, then this news is very important for you. Many people are still confused about whether there will be any additional charges for making payments using this method. Let’s find out.

What are NPCI’s rules?

According to the National Payments Corporation of India, if anyone makes a UPI payment of up to ₹2000 using a RuPay credit card, there are no charges. Simply put, if you buy goods worth up to ₹2000 at a store and pay using UPI, there will be no impact on your pocket.

However, if your payment exceeds Rs 2,000, you may be subject to a Merchant Discount Rate (MDR). Although this charge is levied on the merchant, it is often passed on to the customer.

Where does the MDR charge apply?
The MDR charge will currently apply to large merchants and branded stores. Small shopkeepers, local vendors, and grocery stores are exempt. This means that small purchases by the average person will not be affected.

If you have a RuPay credit card, you can link it to your UPI app (such as PhonePe, Google Pay, Paytm). Once linked, you can make payments directly from the credit card by scanning the QR code. This is similar to a debit card.

Tips for Using Credit Cards

• Make full payments on the monthly billing date to avoid interest and late fees.
• Timely payments and proper utilization of your limit improve your score.
• Activate auto-debit from your bank to ensure timely payments.
• EMIs seem convenient, but use them only after understanding the interest and charges.
• If you have multiple cards, keep track of their limits, due dates, and offers.

GST Registration New Rule : Now GST registration will be available in just 3 days, know who will benefit

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GST Registration New Rule: The government has launched a new scheme to provide relief to small and low-risk businesses. Now, businesses that pay no more than ₹2.5 lakh in taxes per month can obtain GST registration within three working days.

Who can benefit from this scheme?
This scheme is available only to businesses that have been deemed “low-risk” based on GST system data analysis. Additionally, businesses that self-identify that their tax liability will be less than ₹2.5 lakh per month can also participate.

GST Council Approved
The GST Council, comprising central and state finance ministers, approved this scheme on September 3rd. Businesses can opt out of this scheme at will and opt out later if they wish.

What Finance Minister Sitharaman Said
At the inauguration of the CGST Bhawan in Ghaziabad, Finance Minister Nirmala Sitharaman stated that the scheme, which began on November 1st, could benefit 96% of new applicants. She directed the CBIC to set up help desks at GST service centers to ensure that people face no difficulties with registration.

But the real challenge lies in implementation.
Tax experts and SME organizations say that the scheme is good, but the real test lies in its implementation. Several attempts have been made to simplify it in the past, but small businesses have faced difficulties due to system glitches, delays in data verification, and varying rules at the field level.

This government initiative is a relief for small businesses, but until the backend system is fully automated and accountability is established, the promise of registration within three days can only remain a hope.

FD Rates : 8 banks offering the highest interest on 1-year fixed deposits – See the full list

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FD Interest Rates: To save your earnings, there are many investment options available in the market, including stock options for quick short-term profits. For long-term investments, you can invest in bank fixed deposits (FDs). If you’re investing for at least five years, both can be a good option. If you want to earn money through fixed deposits, be sure to calculate the interest rates offered by banks before investing.

FDs offer fixed interest rates and ensure your money is safe. Long-term FDs generally have higher interest rates. Senior citizens also receive higher interest rates than ordinary citizens. Several banks in the country offer interest rates as high as 7%. These include both private and public sector banks. Here’s a list of popular banks in the country, highlighting which banks offer the highest interest rates on one-year FDs.

1. HDFC Bank
HDFC Bank, one of the country’s largest private banks, offers excellent returns on FDs. One-year FDs offer 6.25% interest, while senior citizens are offered 6.75%.

2. ICICI Bank
One-year FDs at ICICI Bank offer 6.25% annual interest, while senior citizens are offered 6.75%. Three-year FDs offer 6.45% to 6.60% interest, and five-year FDs offer 6.40% to 6.60% interest.

3. Kotak Mahindra Bank
This private bank also offers 6.25% interest on one-year FDs for ordinary citizens. It offers 6.75% for senior citizens. Furthermore, it offers the highest returns for FDs with maturities ranging from 391 days to 23 months.

4. Federal Bank
Federal Bank offers 6.25% interest on one-year FDs for general citizens and 6.75% for senior citizens. The highest returns are available for 999-day deposits, with an interest rate of 6.70%.

5. State Bank of India
Investors at State Bank of India, the country’s largest public sector bank, are earning 6.25% and 6.45% annual interest on one-year and two-year FDs. However, the highest returns are available for 2- to 3-year deposits, with an interest rate of 6.45%.

6. Union Bank
This public sector bank offers 6.40% interest on one-year fixed deposits for ordinary citizens. Senior citizens are offered 6.90% interest. The highest return is on 3-year fixed deposits, offering 6.6% interest. Senior citizens are offered 7.1% interest.

7. Canara Bank
This public sector bank offers 6.25% interest on one-year fixed deposits for general citizens and 6.75% for senior citizens. The highest returns are available on FDs with a duration of 444 days. The interest rate for general citizens during this period is 6.50%, while for senior citizens it is 7%.

8. Punjab National Bank
This public sector bank offers 6.25% interest on general citizens and 6.75% for senior citizens. The highest returns are available on FDs with a duration of 390 days. The interest rate during this period is 6.1%, while for senior citizens it is 7.1%.

Aadhaar Card New Rules: 3 major rules related to Aadhaar card have changed from today, know the complete details

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There’s great news for Aadhaar card holders. Starting November 1, 2025, updating your Aadhaar will become much easier. You won’t need to stand in long queues at a service center. You’ll be able to update information like your name, address, date of birth, or mobile number online from the comfort of your home. These new rules are being implemented to make Aadhaar services faster, simpler, and more secure.

Change 1: Updating Aadhaar Information Now Online
Previously, any correction or update required a visit to an Aadhaar service center. Now, the entire process can be done online. The information you provide (such as name or address) will now be automatically verified against government documents like your PAN card, passport, driver’s license, or ration card. This will make the process even faster and more secure.

Updated Fee Structure

• Updating name, address, or mobile number: ₹75
• Updating fingerprint, iris scan, or photo: ₹125
• Biometric updates are free for children aged 5 to 7 and 15 to 17.
• Online document updates are free until June 14, 2026; after that, updating at a service center will cost ₹75.
• Aadhaar reprint (printed copy): ₹40
• Home enrolment service: ₹700 for the first person, ₹350 for each additional person at the same address.

Change 2: Aadhaar-PAN Linking Mandatory
Every PAN card holder must link their PAN with Aadhaar by December 31, 2025. If you fail to do so, your PAN card will become inactive from January 1, 2026, and you will not be able to use it for any financial or tax-related process. Aadhaar verification will also now be required when applying for a new PAN card.

Change 3: Simplified KYC Process
The Know Your Customer (KYC) process for banks and financial institutions has now been simplified. You can complete KYC through any of the following methods:

• Aadhaar OTP Verification
• Video KYC
• Face-to-face Verification
• The entire process will now be paperless and faster.

Why are these changes necessary?
These new rules will simplify Aadhaar-related services and save people time. The ability to update information from home will increase convenience, while strict verification will ensure data security. However, the Aadhaar-PAN linking deadline is crucial.

Failing to do so on time could lead to financial difficulties in the future. Therefore, link your Aadhaar and PAN on time and have your documents ready for online verification. According to UIDAI, these changes are being made to enhance both the convenience and security of citizens.

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Today is the first of November. Meanwhile, there have been changes in the price of LPG cylinders. This time, due to the Bihar elections, the price of cylinders has decreased in many parts of the country. It should be noted that the price of 19 kg cooking gas (LPG) cylinders has been reduced.

The price of commercial LPG cylinders has been reduced after the increase in October, while there has been no change in the price of 14.2 kg domestic cylinders. Commercial LPG cylinders have become cheaper by Rs 5 from today. Now it will be available for Rs 1,590.50.

In Mumbai, the price has been reduced by the same amount, bringing the price to ₹1,542. In Kolkata and Chennai, prices have been cut by ₹4.50, and from today, they cost ₹1,694 and ₹1,750, respectively. Earlier in October, commercial cooking gas cylinders in Delhi became more expensive by ₹15.50.

The price of domestic LPG cylinder has remained unchanged since April 08, 2025. Its price is Rs 853 in Delhi, Rs 879 in Kolkata, Rs 852.50 in Mumbai and Rs 868.50 in Chennai.

Oil marketing companies review the prices of cooking gas and aviation fuel every month based on changes in gas prices in the international market and the exchange rate of the rupee against the dollar, and new prices are generally implemented from the first of every month.

It should be noted that oil marketing companies have increased the prices of aviation fuel from Saturday. According to Indian Oil Corporation, the country’s largest oil marketing company, the price of aviation fuel in Delhi has increased by Rs 777 (0.83 percent) to Rs 94,543.02 per kiloliter from today. Earlier, in October, its price was increased by more than three percent to Rs 93,766.02 per kiloliter.

Starting today, aviation fuel will cost 0.76 percent more in Kolkata, reaching ₹97,549.18 per kiloliter. In Mumbai, the price has been increased by 0.84 percent and in Chennai, by 0.81 percent, to ₹88,447.87 and ₹98,089.68 per kiloliter, respectively.

What is Indane Gas?
Indane is Indian Oil’s domestic LPG service, primarily available in 14.2 kg cylinders. Smaller 5 kg cylinders are also available in select cities and hilly or rural areas.

How to get a new LPG connection?
New LPG connections in India are now available “on demand,” meaning immediately. If you don’t have an LPG connection from any PSU oil company and have a separate kitchen, you can get a new Indane gas connection for your home.

Where to go?
You will need to visit the nearest Indane Gas distributor in your area. You can register for a connection there.

What documents will be required?

You will need to provide proof of identity and proof of address during registration. You can submit any of the following documents:

• Ration Card
• Electricity Bill
• Telephone Bill
• Passport
• Employer’s Certificate
• Flat Allotment/Possession Letter
• House Registration Papers
• LIC Policy
• Voter ID Card
• Rent Receipt
• PAN Card
• Driving License
• Aadhaar Card

What happens after registration?

After registration, the distributor will send you a registration notice by registered post. You must take this letter and the envelope to the same distributor.

After receiving the gas connection
Your Indane gas connection will be issued immediately. However, please note that you must have the following items before the connection is issued:

ISI-marked gas stove (Hotplate) — Certified according to IS:4246
Suraksha LPG Hose — According to IS:9573 (Type IV)
With both of these things in place, your cylinder can be installed at home immediately.

Special Features
The smaller 5 kg cylinder is specifically designed for rural and hilly areas, making it easy to use and transport.
The 14.2 kg cylinder is for general domestic use, and is provided in most homes.

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DL Link with Mobile Number: If your mobile number isn’t already linked to your driving license, now’s the time to do it. Previously, this required going to the RTO office, filling out forms, and waiting in line for hours. But now, this task can be done from home in minutes.

Why is it important to link your mobile number?

• Many people wonder what difference it makes? But in reality, it has many benefits.
• Instant e-challan information – If you break a traffic rule, an SMS with the challan immediately arrives on your mobile.
• License renewal reminder – You receive an alert when your license is about to expire.
• Every update from the RTO directly on your phone – Whether it’s a new guideline or a verification requirement, everything is delivered to your mobile.
• Fraud prevention – If someone misuses your license, you’ll know immediately.

Step-by-step method to link your mobile number:

• Open your state’s RTO official website or visit https://parivahan.gov.in.
• Go to “Driving Licence Related Services” and click “Update Mobile Number.” Enter your license number, date of birth, and mobile number.
• You will receive an OTP on your new number. Enter it on the website and click “Submit.”
• You will receive a message saying “Mobile Number Updated Successfully.” Save a screenshot of this message.

Weather wreaks havoc in Bihar! IMD issues alert, forecasting heavy rain and thunderstorms for the next three days.

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Although Cyclone Montha has weakened, its effects are still being felt in Bihar. The Meteorological Department has announced that the weather will remain bad for three days. The Meteorological Department (IMD) has issued an alert for heavy to very heavy rainfall along with thunderstorms in some districts from October 31st to November 2nd.

The weather has changed in Bihar amid the approach of cold. Clouds are present in most parts of the state, and temperatures are dropping along with the winds. Meanwhile, the Meteorological Department (IMD) has informed that due to the influence of Cyclone Montha, which has formed in the Bay of Bengal, heavy to very heavy rainfall is expected in some districts of South Bihar, North Bihar, and Seemanchal until early November.

According to the Meteorological Department, very heavy rainfall is expected in some areas of East Champaran, Sitamarhi, Shivhar, Madhubani, Supaul, Araria, and Kishanganj. Waterlogging here could flood roads, flood homes, and damage farmers’ crops. Therefore, people have been advised to exercise extreme caution when venturing outside.

Weather Warnings for the state of Bihar:
Day 1(Valid till 0830 hrs IST of tomorrow, the 01st November 2025): Very heavy rainfall at isolated places very likely over East Champaran, Sitamarhi, Sheohar, Madhubani, Supaul, Araria, and Kishanganj.
Heavy rainfall at isolated places… pic.twitter.com/bp49tgHf0R

— India Meteorological Department (@Indiametdept) October 31, 2025

Additionally, heavy rainfall may occur at isolated locations in Purnia, Madhepura, Saharsa, Khagaria, Muzaffarpur, Darbhanga, Gaya, Nawada, Lakhisarai, Sheikhpura, Nalanda, Jamui, Samastipur, Saran, Siwan, and Vaishali.

According to weather forecasting agency Skymet Weather, the remnant low pressure area of ​​Cyclone Montha will advance and reach parts of Bihar, Jharkhand, and North Bengal. This system will remain active on October 31st and its effects will be felt until November 1st, 2025. Over the next two days, heavy rain accompanied by thunderstorms is expected in parts of North Chhattisgarh, Northeast Madhya Pradesh, Bihar, and Eastern Uttar Pradesh. However, from November 3rd, the weather will begin to clear and rainfall activity will decrease.

8th Pay Commission: Can salaries double under the 8th Pay Commission? Understand the math behind the fitment factor.

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8th Pay Commission: There’s a lot of discussion among central government employees these days about the 8th Pay Commission. As always, the biggest question is the fitment factor, as it determines the overall salary increase. Many are wondering if salaries can truly double this time? Let’s understand the full picture.

8th Pay Commission Approves ToR
The central government has approved the Terms of Reference (ToR) for the 8th Pay Commission. Former Supreme Court judge Justice Ranjana Prakash Desai has been appointed its chairperson. The commission will now prepare its report and submit it to the government in approximately 18 months. The cabinet will then approve it.

What is the fitment factor and why is it important?
In simple terms, the fitment factor is the multiplier used to increase basic salary and pension. In the 7th Pay Commission, this factor was 2.57. Information on its value in the 8th Pay Commission is not yet available. This simply means that the higher the fitment factor, the greater the salary increase.

How is the new salary determined?
The Economic Times quoted Manjeet Singh Patel, president of the All India NPS Employees Federation, as saying that if an employee’s basic salary is ₹35,000 and the new fitment factor is 2.11, then ₹35,000 × 2.11 = ₹73,850. Allowances like HRA also increase based on this. Payroll expert Ramachandran Krishnamurthy explains that HRA increases immediately, while fixed allowances like TA are revised later.

What role does DA play in this?
DA doesn’t directly determine the fitment factor, but its rate is an important parameter. If the current DA is 58% and reaches 70% by the time it is implemented, the fitment factor can be further increased by adding the growth factor and family units. The fitment formula is made up of multiple factors.

Can salaries really double?
The fitment factor affects basic and HRA, but DA is reset to zero as soon as the new Pay Commission is implemented. Therefore, the total in-hand salary increase is usually around 20–25%.

However, if the fitment factor is 2.0, ₹50,000 basic will become ₹1,00,000. But this doesn’t mean the entire CTC will double.

Will the same factor be applied to all employees?
The 7th Pay Commission applied a uniform 2.57 factor across all levels. But this time, it’s likely that lower-level employees will receive a slightly higher pay factor to reduce pay disparity. Currently, there are 18 pay levels at the Centre. Some levels may also be merged.

What will be the impact on pensioners?
The basic pension of pensioners also increases by the same factor. If someone is receiving a pension of ₹30,000 and the factor is 2.0, the new pension could be ₹60,000, provided the Cabinet approves it.

The fitment factor is an important means of increasing salaries, but it involves many factors such as DA, growth factor, and family unit. Salaries may double, but it’s important to understand the full picture to ensure that expectations and reality are aligned.

New system implemented from November! Many rules related to banks, GST and Aadhaar cards have changed.

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New rules from November 1st: The month of November begins tomorrow, bringing with it a host of changes related to your finances, banking, card usage, and government document updates. Simply put, some things will become more expensive from November, some processes will become easier, and some tasks may become problematic if not completed on time. Therefore, understand these changes in advance and plan your actions accordingly.

More Nominees Now Available in Bank Accounts
Changes to banking laws will come into effect from November 1st. Bank account holders will now be able to add up to four nominees simultaneously and can also determine the share/percentage of each nominee. Additionally, the option of a successor nominee will be available, meaning that upon the death of the previous nominee, the next nominee will automatically become active.

RBI has instructed banks to clearly inform every customer about the nomination facility. Even if someone does not wish to add a nominee, opening a bank account is permitted; there will be no restrictions. Note that if a nominee dies, their share will be considered cancelled.

Major GST Changes
From November 1st, the four-slab GST system will be abolished, with two slabs plus a special rate. The 12% and 28% slabs will be removed, and an additional 40% tax slab will be applicable on luxury/sin goods.

Extra Charges on SBI Card Payments
From November 1st, SBI card users will be charged a 1% charge on education payments if made through third-party apps like MobiKwik or CRED. A 1% charge will also apply for wallet balances exceeding ₹1,000.

Aadhaar Update
UIDAI has waived the ₹125 charge for mandatory biometric update (MBU) for children. This waiver came into effect from October and will be available for one year. For adults, the charge for updating name/address/mobile number/date of birth will be ₹75, and for biometric changes (fingerprint-iris) it will be ₹125. You can now update your address, date of birth, name, and mobile number online, without the need to upload any documents.

Important Reminder for Pensioners
Central and state government pensioners must submit life certificates by the end of November, or their pensions may be withheld. Employees wishing to shift from the NPS to the UPS scheme must also do so by November.

PNB Locker Charges Changes
Punjab National Bank is reducing its locker charges. The new rates, depending on the size and category, will be posted on the website in November and will become effective 30 days after the notification.

ITR Audit Due Date Extended: CBDT extends last date, taxpayers get big relief

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ITR Audit Due Date: There’s some good news for tax filers. The Central Board of Direct Taxes (CBDT) has extended the deadline for filing Income Tax Returns (ITRs) and audit reports. This decision brings significant relief to taxpayers whose accounts are subject to audit. Taxpayers and professionals now have more time to prepare their documents and complete tax-related tasks.

What’s the new update?

On October 29th, the Central Board of Direct Taxes (CBDT) announced significant relief for taxpayers and professionals. The deadline for filing Income Tax Returns (ITRs) and audit reports has been extended. According to the new rules, audit reports and ITRs can now be submitted until November 10, 2025.

Be sure to check out the CBDT’s official Xpost regarding this news.

The Central Board of Direct Taxes (CBDT) has decided to extend the due date of furnishing of Return of Income under sub-Section (1) of Section 139 of the Act for the Assessment Year 2025-26, which is 31st October 2025 in the case of assessees referred in clause (a) of Explanation… pic.twitter.com/w7Hl94Y9Ns

— Income Tax India (@IncomeTaxIndia) October 29, 2025

How long was the deadline previously?

Previously, taxpayers whose accounts were required to be audited, such as companies, proprietorship firms, and working partners of partnership firms, had to file their income tax returns by October 31, 2025. However, the government has now granted them approximately 40 days to ensure they can file their taxes properly without any rush.

Why was this decision taken?

The CBDT’s decision came after the Himachal Pradesh, Punjab, Haryana, and Gujarat High Courts ordered an extension to the deadline for filing tax audit reports. Instead of October 31, the courts granted relief until November 30. Following this, the CBDT announced new dates nationwide to ensure equal access for all taxpayers.

Who will get relief?

This extended deadline applies to all taxpayers, such as companies, business owners, and partners of firms whose accounts are audited. They will now have more time to properly prepare their financial documents and file their returns.

What should taxpayers do now?

If you are associated with a business or firm that is audited, you must now file your audit report and ITR by November 10th. Previously, the deadline was in October, but now the government has given everyone additional time to file their taxes without stress.

Baba Bageshwar Dham’s earnings in 2025: From Katha fees to assets, find out his net worth

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Dhirendra Shastri Net Worth: The controversy surrounding a non-Brahmin storyteller in Etawah, Uttar Pradesh, is escalating. Samajwadi Party National President Akhilesh Yadav has also dragged Dhirendra Shastri into the debate. In his statement, Akhilesh Yadav said that many storytellers charge 50 lakh rupees for a story. Anyone who has the means to invite Dhirendra Shastri to their home for a story is charging under the table. You should find out whether Dhirendra Shastri charges under the table.

Following Akhilesh Yadav’s statement on Dhirendra Shastri, a debate has erupted over how much money he charges for a storyteller and what his net worth is. Let’s find out…

How much does Dhirendra Shastri charge for a single storyteller?

Dhirendra Shastri is a renowned storyteller in the country, and his popularity in many states is such that roads are jammed just to catch a glimpse of him. Many claims are made about Dhirendra Shastri’s fees. According to media reports, Dhirendra Shastri charges around ₹3.5 lakh for a single Katha, but his fees are expected to increase significantly as his popularity grows. Organizers spend crores of rupees on his Kathas, as a large crowd of people, VIPs, politicians, and industrialists gather to listen to his Kathas. According to reports, Dhirendra Shastri conducts one Katha every 10 to 15 days, and he conducts approximately three Kathas a month.

What is Dhirendra Shastri’s net worth?

According to media reports, Dhirendra Shastri has a net worth of approximately ₹20 crore. His main source of income is the fees he receives from Katha recitations across the country and donations from devotees. According to reports, Dhirendra Shastri spends the money he receives as donations on hospitals.

Navjot Singh Sidhu’s net worth: From commentary to TV shows, find out how much he earns

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Navjot Singh Sidhu Net Worth: Navjot Singh Sidhu is a well-known name in Indian cricket, politics, and television. Known for his witty style and outspokenness, Sidhu has made a name for himself in many fields. After a stellar career as a cricketer, he also branched out into politics and the entertainment industry. Sidhu’s net worth is estimated to be approximately ₹45.37 crore, a result of his multifaceted career. Let’s take a closer look at his wealth, sources of income, and various aspects of his life.

Early Life and Education
Navjot Singh Sidhu was born on October 20, 1963, in Patiala, Punjab. His father, Sardar Bhagwant Singh, was a renowned cricketer, who inspired Sidhu to play cricket. Sidhu received his early education from Yadavindra Public School, Patiala, and enrolled in HR College of Commerce and Economics in Mumbai for further studies.

Assets and Sources of Income (Navjot Singh Sidhu Net Worth)

• Cricket Career: During his active cricketing career, Sidhu amassed considerable wealth through match fees, prize money, and endorsements.
• Commentary and TV Shows: After retiring from cricket, Sidhu also earned considerable
• fame in the field of commentary. Fans loved his commentary style as “Sixer Sidhu.” He also earned a fortune by appearing as a guest and judge on various TV shows.
• Income from Politics: As an MP, MLA, and minister, Sidhu earned a substantial income in the form of salary and allowances.
• Working in Films and Commercials: Sidhu has also appeared in several Bollywood films, which has increased his earnings.
• Sidhu owns luxurious bungalows in Amritsar and Patiala, valued in crores. He also owns several luxury vehicles, including high-end cars like BMW, Audi, and Mercedes. He also owns agricultural land and other investment properties.

Cricket Career (Navjot Singh Sidhu Cricket Career)

Sidhu made his first-class debut in the 1981-82 season and joined the Indian cricket team in 1983-84. Although he wasn’t particularly successful in his initial years, he made a strong comeback in the 1987 World Cup. He answered his critics by scoring four half-centuries in the tournament. Known for his aggressive batting, Sidhu became known as “Sixer Sidhu.”

In his cricket career, he played 51 Test matches and 136 ODIs, scoring 3,202 and 4,413 runs, respectively. His career includes 15 international centuries and 32 half-centuries.

Political Career (Navjot Singh Sidhu Political Career)
After retiring from cricket, Sidhu entered politics. In 2004, he joined the Bharatiya Janata Party (BJP) and contested and won the Amritsar Lok Sabha seat. In 2009, he was re-elected as an MP from Amritsar. In 2016, he resigned from the BJP and the Rajya Sabha and joined the Congress Party. In 2017, Sidhu won the Amritsar East Assembly seat and assumed the position of Minister of Tourism and Cultural Affairs in the Punjab government. Sidhu remains in the news due to his aggressive style and outspoken statements in politics.

Television Career (Navjot Singh Sidhu Television Career)
In addition to politics and cricket, Sidhu also distinguished himself in the world of television. He appeared as a popular judge on shows like “The Great Indian Laughter Challenge” and “Comedy Nights with Kapil.” His witty dialogues, known as “Sidhuism,” became extremely popular with audiences. Apart from this, he also played cameo roles in films like ‘Mujhse Shaadi Karoge’ and ‘ABCD 2’.

ITR Deadline Extended : Taxpayers get relief due to extension of deadline, know till when they got time

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ITR Deadline Extended: For those stuck in audit cases or worried about deadlines, there’s some relief. The Income Tax Department announced on Wednesday, October 29, 2025, that the last date for filing audit reports and Income Tax Returns (ITRs) has been extended to December 10, 2025.

CBDT Extends ITR Date
The Income Tax Department shared on the social media platform X that the Central Board of Direct Taxes (CBDT) has decided to extend the previous deadline of October 31 to December 10. The Income Tax Department stated in the post that for taxpayers who are required to file returns under Section 139(1) for the assessment year 2025-26 (whose due date was previously October 31, 2025), the due date has now been extended to December 10, 2025. This decision was taken by the Central Board of Direct Taxes (CBDT).

This means that taxpayers who are required to be audited can now file their returns by December without penalty.

The Central Board of Direct Taxes (CBDT) has decided to extend the due date of furnishing of Return of Income under sub-Section (1) of Section 139 of the Act for the Assessment Year 2025-26, which is 31st October 2025 in the case of assessees referred in clause (a) of Explanation… pic.twitter.com/w7Hl94Y9Ns

— Income Tax India (@IncomeTaxIndia) October 29, 2025

The deadline had been extended before.
Initially, the deadline for submitting tax audit reports was September 30, 2025. It was later extended to October 31, following demands from tax professionals and CA institutes. However, as this deadline approached, the department extended the deadline again, extending it to November 10, 2025, and now to December 10, 2025.

What if the deadline is missed?
If a company or taxpayer fails to submit a tax audit report on time, they may be subject to a penalty under Section 271B of the Income Tax Act. Mint, in a report, stated that this penalty can be up to 0.5% of total sales or a maximum of ₹150,000. However, if the taxpayer proves that there was a valid reason for the delay, they may be exempted from the penalty.

Who is required to undergo an audit?

Taxpayers with business turnover exceeding ₹1 crore in a financial year, or up to ₹10 crore when cash transactions constitute less than 5% of total transactions, are required to undergo an income tax audit. Professionals with annual income exceeding ₹50 lakh are also required to undergo a tax audit. Professionals should also have their accounts audited if their annual gross receipts exceed ₹50 lakh.

Delhi Budget Homes : DDA flats for just ₹12 lakh! Your dream of owning a prime location will come true, learn the registration date.

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DDA Housing Scheme 2025: Owning a home is everyone’s dream, but only a few are able to fulfill it. In cities like Delhi-NCR, where even a two-room house isn’t available for less than 25-30 lakh rupees, how can you afford a home with less money? If you’re thinking the same, you have a chance to fulfill your dream of owning a home within your budget. In fact, the DDA has introduced excellent flats in excellent locations in Delhi, which will fit your budget.

How much is the flat available?
The Delhi Development Authority (DDA) has once again launched a wonderful housing scheme for the economically weaker section. Under this scheme, the price of these flats in the EWS and LIG categories will start from ₹11.8 lakh and go up to ₹32.7 lakh. This gives you the opportunity to purchase a home in a prime location in Delhi for less than ₹15 lakh. You can book your home in Phase 2 of the Jan Sadharan Awas Yojana 2025.

When does booking begin?
If you’d like to book a flat under the Jan Sadharan Awas Yojana 2025 Phase 2, you still have a chance. DDA will open bookings for new flats on November 7, 2025, at 12 noon. This scheme will also operate on a first-come, first-served basis.

In which locations are the flats available?
According to information from the DDA website, this time these flats are available only in the EWS category in Narela, Rohini, Ramgarh Colony, and Shivaji Marg. Whereas, only LIG category flats are available in Hini Sector 34, 35, and Ramgarh Colony (near Jahangirpuri). Please note that under DDA’s Jan Sadharan Awas Yojana 2025 (Phase 2), the booking amount for LIG category flats is ₹1 lakh and for EWS category flats is ₹50,000.

Aadhaar update made easy! Now change your address, number, and DOB from home—with just this app

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The Unique Identification Authority of India may soon launch an all-in-one e-Aadhaar mobile app for Android and iOS users. This app will significantly simplify the process of updating Aadhaar-related information such as date of birth, mobile number, and address. This will eliminate the need for people to repeatedly visit Aadhaar service centers or enrollment centers.

Currently, we have the mAadhaar app, which keeps our Aadhaar information secure. However, the new e-Aadhaar app is set to simplify and speed up this process. Let’s learn more about this government app.

e-Aadhaar App: Complete Information
UIDAI is developing this new app, and it is expected to launch by the end of 2025. The app will be available for both Android and iOS platforms. It will allow citizens to update their date of birth, mobile number, address, and other important information on their own. According to reports, this app will make the process of updating Aadhaar data easier, digital, and faster.

AI and face recognition technology
The new e-Aadhaar app will use artificial intelligence (AI) and facial recognition. This will not only speed up the update process but also reduce the risk of identity theft or fraud. A significant portion of Aadhaar information updates will now be done digitally through the app.

Family Pension Latest Update : Who does the government provide pension to in the case of two wives? Understand the full rules.

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What is Family Pension? Everyone wants to ensure that they and their families don’t face any financial difficulties upon retirement. Therefore, most people arrange for a pension well in advance, so that they can live happily with their families even after retirement. In this series on pensions, today we’ll tell you about family pension. Let’s learn what family pension is and how it helps your family.

What is Family Pension?
Family pension is a pension scheme in which, if a husband dies, his pension is transferred to his wife. This is because he has nominated his wife. Under this scheme, if the husband dies after the age of 60, the wife will receive half of his pension. However, if the husband dies before the age of 60, the wife receives the full pension.

If there is no wife, who will receive the pension?
If a pensioner dies without a wife, the pension is passed on to their children. However, according to the rules, the children must be under 25 years of age. According to the EPFO, if the pensioner has two children, the pension will be divided equally between the children after their death. Furthermore, if a pensioner’s children are physically disabled, they will receive 75 percent of the pension for their entire lives.

If there are two wives, who will receive the pension?
If there is more than one wife in the family, the right to family pension will be available only to the wife whose marriage is legally valid and who has been designated as the nominee. According to government rules, the pension is paid only to the spouse who is in a valid marriage and is registered in government records.

Gold Price Today : Gold prices fell for the third consecutive day, silver also fell – see today’s rates

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Gold Rate Today In India: Gold was at a record high a day before Dhanteras and silver two days before Dhanteras. Since then, their prices have fallen significantly. Gold’s shine has faded for the third consecutive day. Gold has become cheaper by ₹10 per ten grams in the capital Delhi today.

In three days, 24-carat gold has fallen by ₹4810 per ten grams and 22-carat gold by ₹4410. Now talking about silver, one kilogram of silver has become cheaper in Delhi for the second consecutive day.

After remaining stable for three consecutive days, the price of one kilogram of silver has fallen by ₹4100 in two days. Now talking about their record levels, a day before Dhanteras, i.e. on October 17, 2025, 24-carat gold was available at a record price of ₹1,32,770 per ten grams and 22-carat gold at a record price of ₹1,21,700. Silver, on the other hand, reached a price of ₹1.90 lakh per kg on October 15, 2025.

City-wise Gold Prices

Let’s find out the price of 22-carat and 24-carat gold in 10 major cities across the country…

Gold prices in the four major metropolises

In Delhi, the price of 24-carat gold is ₹1,20,960 per 10 grams. The price of 22-carat gold is ₹1,10,890 per 10 grams. In Kolkata, Chennai, and Mumbai, the price of 22-carat gold is ₹1,10,740 per 10 grams, while the price of 24-carat gold is ₹1,20,810 per 10 grams.

Prices in Bengaluru and Hyderabad

In Hyderabad and Bengaluru, the price of 22-carat gold is ₹1,10,740 per 10 grams, while the price of 24-carat gold is ₹1,20,810 per 10 grams.

Prices in Lucknow and Patna

Talking about Patna and Lucknow, the price of 22-carat gold in Patna is ₹1,10,790 per 10 grams, while the price of 24-carat gold is ₹1,20,860 per 10 grams. In Lucknow, 22-carat gold is available for ₹1,10,890 and 24-carat gold for ₹1,20,960.

Prices in Jaipur and Ahmedabad

Talking about Ahmedabad and Jaipur, the price of 22-carat gold in Ahmedabad is ₹1,10,790 per 10 grams, while the price of 24-carat gold is ₹1,20,860 per 10 grams. In Jaipur, 22-carat gold is available for ₹1,10,890 and 24-carat gold for ₹1,20,960.

Silver prices fall for the second consecutive day after three days of stability.

Silver prices in Delhi have fallen by ₹4,100 per kg in two consecutive days. Prior to this, its price remained stable for three consecutive days. Prior to this, it had fallen by ₹17,000 per kg in four consecutive days. Today, October 29th, silver is selling for ₹1,50,900 per kg in Delhi. Its price has fallen by ₹100 per kg today.

In other major metropolises, silver is selling at similar prices in Mumbai and Kolkata, but in Chennai, the price is ₹1,64,900 per kg, meaning that Chennai has the most expensive silver among the four metropolises.

8th Pay Commission: Central government approves ToR, know when 8th Pay Commission will be implemented

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8th Pay Commission Approved: A major update has arrived for central government employees awaiting the 8th Pay Commission. The central government has approved the Terms of Reference (TOR) for the 8th Pay Commission. This will benefit 5 million central government employees and 6.9 million pensioners. Union Cabinet Minister Ashwini Vaishnav said that the 8th Pay Commission is likely to be implemented from January 1, 2026.

#WATCH | Delhi: The Union Cabinet, chaired by PM Modi, approved the Terms of Reference of the 8th Central Pay Commission.

Union Minister Ashwini Vaishnaw says, “The composition, the terms of reference, and the time period of the 8th Central Pay Commission have been approved by… pic.twitter.com/srQ5UYMk9N

— ANI (@ANI) October 28, 2025

The Commission has been given 18 months.
The decision was taken at a meeting of the Union Cabinet chaired by Prime Minister Narendra Modi. The Commission will be a temporary body consisting of a Chairperson, a part-time Member, and a Member-Secretary. The Commission will be required to submit its recommendations within 18 months. If necessary, the Commission may also submit interim reports in some cases.

What is ToR?
Under the Terms of Reference (ToR) of the 8th Pay Commission, the Commission will have to examine whether the salaries, allowances, and other benefits provided to central government employees and pensioners are appropriate in light of current circumstances. The Commission will also have to consider the country’s economic situation, budget constraints, and the impact on state governments. It will also have to understand the benefits available to employees in private and government companies.

When was the 7th Pay Commission implemented?
The Central Government constitutes a Pay Commission every 10 years to revise the salaries of government employees. The last 7th Pay Commission was constituted in 2014, and its recommendations were implemented from January 1, 2016. This time, Justice Ranjana Prakash Desai has been appointed as the Chairperson of the 8th Pay Commission, while Professor Pulak Ghosh of IIM Bangalore and Pankaj Jain, Secretary of the Ministry of Petroleum and Natural Gas, have been appointed as members.

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Cyclone Montha will hit the coast of Andhra Pradesh today, Tuesday, according to the Indian Meteorological Department. The IMD has stated that the impact of Cyclone Montha will be felt most in Andhra Pradesh, Odisha, and West Bengal.

Montha will hit the coast at a speed of 100 km per hour. A coastal alert has been issued in Andhra Pradesh. Schools have been ordered to close. Several flights have also been cancelled.

54 trains under the Vijayawada division of South Central Railway have also been cancelled.

An orange alert has been issued in Peddapalli, Jayashankar Bhupalpally, and Mulugu in the state. A yellow alert has been issued in the remaining northeastern districts. Heavy rain is also expected in Odisha for two to three days.

Will there be rain in Delhi-NCR too?
Amidst the arrival of Cyclone Montha, the Meteorological Department has said that due to the Western Disturbance, the weather will remain pleasant in Delhi and its surrounding areas for the next two days. Light rain with thunder is also expected. The sky will remain cloudy during these two days.

Will Montha affect UP and Bihar?
According to the Meteorological Department, will Montha’s impact be felt in Bihar. Bihar is a neighboring state of Odisha, so the impact of Montha may be felt in Bihar more than in UP.

Many districts of UP are receiving rain even before Montha makes landfall. Light rain also occurred in some areas, including Banda. The capital also received drizzle amid cloud movement, providing relief from the humid heat. The maximum temperature in Lucknow dropped by 3.8 degrees Celsius to 28 degrees Celsius, but the humidity caused a six-degree increase in night temperatures.

Post Office’s amazing scheme! Earn ₹2.46 lakh just from interest, eliminating retirement tension!

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Everyone saves some of their income and plans to invest it in a way that ensures safe and high returns. Savings schemes run by the Post Office are quite popular in this regard. These schemes cover everyone from children to youth, women, and the elderly. The Post Office Senior Citizen Savings Scheme is unique because investing in it can earn up to ₹20,500 per month from interest alone. Tax benefits are also available. Let’s learn more about it…

Guaranteed Regular Monthly Income
The Post Office Senior Citizen Scheme is among the most popular post office savings schemes for its unique feature: a lump-sum investment guarantees a monthly income of over ₹20,000. This ensures a guaranteed monthly income, eliminating financial difficulties after retirement.

Interest Rates of Over 8%, Plus Tax Deductions
This post office scheme also offers excellent interest rates from the government on deposits. Investors receive an annual interest rate of 8.2%. This ensures a regular monthly income on your investment. The special feature is that it offers a much higher interest rate than fixed deposits offered by many banks. Furthermore, investments made under this scheme also receive an income tax benefit from the government, up to ₹1.5 lakh under Section 80C.

This is the age limit for investment.
Investing in this government scheme can ensure a comfortable old age without financial stress. Regarding the age limit, anyone aged 60 or older can open a single or joint account. Additionally, individuals aged 55 to 60 who have taken VRS from civil sector government positions, or individuals aged 50 to 60 who have retired from the defense sector (Army, Air Force, Navy, and other security forces) can open an account.

Earn 2.46 Lakhs from Home
Now let’s discuss the annual interest income and how you can generate a regular monthly income by investing in this post office scheme. For example, suppose you invest 30 lakh rupees in one lump sum. At the government-prescribed interest rate of 8.2%, this investment will generate an annual interest of 2.46 lakh rupees. Divide this amount monthly by a guaranteed monthly income of 20,500 rupees. The maturity period of this scheme is 5 years.

Account Closure Facility
An account under the Post Office SCSS Scheme can be opened at any nearby post office branch. Investors are also given the option to close the account at any time after opening. However, there are rules in place that state that if the account is closed within less than one year of opening, no interest will be earned on the investment amount.

If you close it after completion of 1 year or between 2 years, then 1.5% will be deducted from the interest amount, similarly, if you close it between 2 to 5 years, then 1% of the interest amount will be deducted.

Property Deal Final : Planning to buy a property? Check these 7 documents first, or you’ll be in trouble!

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Property Documents: People put their entire life’s earnings at stake to buy a property. It is possible to build your dream home after hard work. Buying a house is a very complicated task. Even a small mistake can ruin your entire life’s earnings. While buying a property, it becomes very important to check its legality properly. Therefore, it is necessary to investigate thoroughly before buying any property. One small mistake of yours can prove costly. You can get entangled in legal complications. After this, you are forced to visit the courts.

Everyone should check certain documents on their own before purchasing a property. Taxbuddy shared a post on the social media platform X, detailing the documents to check before purchasing a property. Let’s find out which seven documents should be checked before purchasing a property.

1.Check the Title Deed and Chain Deed
Merely registering a property in your name does not make it yours. Registration only transfers ownership. Therefore, when purchasing a property, be sure to check the Title Deed and Chain Deed. This will determine whether the person selling the property is the real owner. The Chain Deed reveals who owned the property before you. Do not deal with a property without the Title Deed and Chain Deed.

2. Land Record Information
Check the land records of the land you’re purchasing. If you’re purchasing agricultural land, you can get the documentation from the state government’s revenue department. Find out the land’s Khasra number. The Khasra number will provide all the information related to the land. If you’re buying land to build a house, first find out if the land you’re buying has residential permission. If the property is commercial or industrial, avoid buying it because you won’t be able to build a house there.

3. If you’re buying a property in a township, check these documents.
If you’re buying a property in a township, check the land use. See if there’s Town and Country Planning permission. Also, check if the map is approved by a local authority, such as the Municipal Corporation. Most importantly, check whether the colony you’re buying land in is legal. Many people assume that if the government registers the property, it’s legal, but experts say this isn’t the case. During registration, the government only examines the property from a revenue perspective. The responsibility to verify whether a property is legal lies with the buyer.

4. Provide Newspaper Notices
Before purchasing a property, it’s essential to provide public notice in the newspaper. People often overlook this, but providing public notice strengthens your position. If there’s a future dispute regarding the property, you can present your case strongly in court. Similarly, it’s important to register the agreement. Nowadays, this is done simultaneously with the registration. Many people don’t get the agreement registered. If you do not do this, you become legally vulnerable.

5. Encumbrance Certificate
When purchasing any property, be sure to check for an encumbrance certificate. This will help you determine if there are any encumbrances against the property. It can also provide information about any loans taken against the property.

6. Check the Occupancy Certificate
An Occupancy Certificate (OC) is issued by the local authority. This will inform you that the property has been constructed in accordance with the rules, regulations, and approved plans. Living in a building without an OC is considered illegal. Electricity and water connections are also not available without it.

7. Check Property Tax Receipts
Before purchasing a property, you should also check the property tax receipts. This will help you determine whether the previous owner has paid the taxes or if there are any outstanding dues.

Good news for central government employees! Two new investment options are now available in NPS and UPS.

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NPS & UPS: The central government has proposed two additional investment options for central government employees under the National Pension System (NPS) and Unified Pension Scheme (UPS). The first is “Life Cycle” and the second is “Balanced Life Cycle.” Central government employees can choose from a variety of investment options under the NPS and UPS. The Finance Ministry stated that two new investment options, Life Cycle and Balanced Life Cycle, have been approved for the NPS and UPS schemes.

The Finance Ministry stated that these options are designed to increase flexibility in retirement planning and allow employees to manage their retirement funds according to their needs. Previously, only private sector employees had access to a wide range of options, but now government employees will also be able to choose from similar options. The Finance Ministry stated that these changes address a long-standing demand from employees seeking greater control over their pension funds.

These are two options for retirement funds.
According to media reports, these new options will help manage retirement funds based on age and risk. NPS and UPS now offer several options. The first is the default option, which is determined by the Pension Fund Regulatory and Development Authority (PFRDA). The second is Scheme G, which invests 100% of the funds in government securities, which offer low-risk and fixed returns. Then comes Life Cycle (LC-25), where equity can be invested up to 25%. This starts at age 35 and gradually decreases until age 55. In LC-50, equity is limited to 50%, whichever is lower between 35 and 55 years.

Simply put, the Life Cycle investment option allows a maximum of 25% of equity investments, which gradually decreases from age 35 to age 55. While the Balanced Life Cycle investment option allows equity investments to begin decreasing from age 45, employees have the opportunity to remain invested in equities for a longer period if they wish. According to the Ministry of Finance, these new options will not only make pension schemes more personalized and customizable, but will also help employees create better financial security for their retirement.

PMAY Online Apply 2025 : Your dream of a permanent home will now become a reality! Full details here

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PMAY Gramin 2025 : Owning a home is everyone’s dream, but lack of funds leaves most people with this dream unfulfilled. However, the Central Government has now brought a great opportunity for you. You can fulfill this dream under the Pradhan Mantri Awas Gramin Yojana.

Under this Central Government scheme, pucca houses are provided to the needy. If you too desire a pucca house, you can apply for this scheme. Registration for this scheme has begun. If you want to benefit from this scheme, let’s first understand its full scope.

What is the PM Awas Yojana Gramin?
Under the PM Awas Yojana, pucca houses are provided to beneficiaries in both rural and urban areas. Additionally, beneficiaries are provided with subsidies, construction materials, and loans at low interest rates, enabling them to fulfill their dream of owning a home.

How much does the government provide?
Under this central government scheme, beneficiaries are provided assistance of up to ₹1.20 lakh, and the entire amount is deposited into their bank accounts. Furthermore, the government also provides subsidies on bank loans, which results in lower interest rates.

Who can apply?

• Anyone applying for the Central Government’s PM Awas Yojana Gramin must be an Indian citizen.
• Furthermore, their annual income must be less than ₹6 lakh.
• No one in the applicant’s family should already have a permanent home.
• The family must be on the BPL list.
• Government employees cannot apply for this scheme.
• Furthermore, the applicant must be over 18 years of age.

These documents will be required.

Some documents will also be required for the PM Awas Yojana Gramin.

• Aadhaar Card
• Ration Card
• Income Certificate
• Residence Certificate
• Copy of Bank Passbook
• Passport Size Photo
• Registered Mobile Number

How to Apply?

• Steps to Apply for the Pradhan Mantri Awas Yojana:
• First, visit the website pmaymis.gov.in
• Click on the Citizen Assessment section on the home page
• Select the “Apply Online” or “Apply For Benefits” option
• Enter your Aadhaar number and click the “Check” button.
• The application form will open, where you can fill in your personal information, address, income, and land details.

SBI announces purchase of 200 2BHK flats for staff; find out city and budget

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SBI staff housing: The country’s largest public sector bank, State Bank of India (SBI), is preparing a major real estate deal for its employees. The bank is planning to purchase 200 ready-to-move-in 2BHK flats in the Mumbai Metropolitan Region (MMR), with a total cost of approximately Rs 294 crore, excluding taxes.

SBI issued a tender on October 7, inviting developers to submit offers for these flats. The areas where the bank is looking for housing include the central suburbs (from Sion to Ghatkopar), the western suburbs (from Andheri to Borivali), the Thane-Kalyan belt, and Navi Mumbai (from Kharghar to Panvel).

What conditions has SBI imposed?
According to the notification, each flat must have a carpet area of ​​approximately 600 square feet (55.74 square meters) and must have been built for less than five years. The bank has clarified that only projects registered with Maharashtra RERA will be eligible to bid, and brokers or intermediaries will not be permitted. The bidding process will use a techno-commercial scoring system (60:40), which will evaluate factors such as construction quality, location, project amenities, and price.

The bank will also purchase 400 parking slots.

According to the estimated expenditure by region, SBI will spend ₹84 crore in the central suburbs, ₹108 crore in the western suburbs, ₹54 crore in the Thane-Kalyan belt, and ₹48 crore in Kharghar-Panvel. The bank will also purchase 400 parking slots (200 cars + 200 two-wheelers).

According to local real estate experts, public sector banks often enter into such bulk deals to provide long-term housing for their employees. This helps the bank control costs and manage them in the long run. Previously, SBI has purchased homes for its employees in areas like Navi Mumbai and Andheri. Experts say this move signals the increasing activity of government entities in the Mumbai real estate market.

FD Interest Rates 2025 : These 8 banks are offering more than 7% interest, how much will be the return on ₹1 lakh?

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FD interest rates: If you’re looking for a safe investment amid the constant fluctuations in the stock market and gold and silver prices, a fixed deposit (FD) is a good option. It offers fixed interest (high FD interest rates) and your money remains safe. Long-term FDs generally offer higher interest rates. Senior citizens also receive higher interest rates than regular citizens.

There are several banks in the country that offer 7% higher interest rates. These include both private and public sector banks. Understanding bank interest rates in simple calculations, if you open an FD of ₹1 lakh (1 lakh FD return calculation), your money will double after 10 years. Now the question is, which banks are offering interest rates of more than 7% (top banks fixed deposit)? Let’s find out.

Private Bank FD Rates

1. HDFC Bank

Term: 18–21 months
Interest Rate: 6.60% (General), 7.10% (Senior Citizen)

Return on ₹1 lakh after 10 years:

General: ₹1,90,000
Senior: ₹2,00,000

2. ICICI Bank

Term: 2–10 years
Interest Rate: 6.60% / 7.10%

Return on ₹1 lakh:
General: ₹1,90,000
Senior: ₹2,00,000

3. Kotak Mahindra Bank

Term: 23 months
Interest Rate: 6.60% / 7.10%

Return on ₹1 lakh:

General: ₹1,90,000
Senior: ₹2,00,000

4. Federal Bank

Term: 999 days
Interest rate: 6.70% / 7.20%

Return on ₹1 lakh:

General: ₹1,93,000
Senior: ₹2,03,000

Public Bank FD Rates

1. State Bank of India (SBI)

Term: 2–3 years
Interest rate: 6.45% / 6.95%

Return on ₹1 lakh:
General: ₹1,86,000
Senior: ₹1,97,000

2. Union Bank of India

Term: 3 years

Interest rate: 6.10% / 6.60%

Return on ₹1 lakh:

General: ₹1,81,000
Senior: ₹1,90,000

3. Punjab National Bank (PNB)

Term: 390 days
Interest rate: 7.10%
Return on ₹1 lakh: ₹2,00,000

4. Canara Bank

Term: 444 days
Interest rate: 6.50% / 7.00%

Return on ₹1 lakh:

General: ₹1,87,000
Senior: ₹1,97,000

It’s important to note that interest rates change periodically on banks’ websites. Be sure to compare before investing to maximize your returns.

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Office Rents: India’s real estate demand is at a high level. Residential sales are booming in the market. People are buying homes. Demand for office space, not just homes, has also increased significantly. According to the latest report, office rents are rising rapidly in the country’s top cities. According to the IIM Bangalore-CRE Matrix Commercial Property Rental Index (CPRI Q2 2025), office rents in India’s top 10 cities have increased by 3.8 percent year-on-year. Cities like Mumbai, Gurugram, and Delhi have seen the largest increase in office rents.

The biggest reasons for this increase are said to be the growing demand for IT and financial services, the end of work-from-home, and a decrease in the number of new projects. The report states that cities like Mumbai, Gurugram, and Delhi have led this growth, while cities like Chennai and Noida have lagged behind.

Why Mumbai Leads

According to the report, Mumbai saw a 3.6% quarterly increase in rents this year. Areas like Nariman Point, Bandra Kurla Complex, Andheri, and Thane saw steady demand. The rise in rents was driven by a decrease in new office projects and the increasing use of investment funds (REITs). Mumbai has a limited number of quality and large offices. Large companies are looking to lease offices here for long periods. This has strengthened Mumbai’s office market. Navi Mumbai saw the highest compounded growth (9%) in three years.

Delhi-NCR Situation

Delhi saw rents rise by more than 16 percent in a year, the highest in five years. Demand for office space has rebounded in key business areas like Connaught Place and Barakhamba Road. A shortage of quality, spacious offices has pushed rents higher. Companies are now expanding their presence in central Delhi, making the city attractive to investors. Meanwhile, office rents in Gurugram, located near Delhi, have also risen sharply.

Areas near NH 48, such as Udyog Vihar, Cyber ​​City, and Sector 32, have seen a growth of approximately 16 percent over the year. Demand from financial services and consulting companies remains strong. Improved roads, metro connections, and new business hubs have made Gurugram the busiest office hub in Delhi-NCR.

Bengaluru

The overall performance of Bengaluru, the country’s tech capital, has been somewhat slower this year, but Whitefield and South Bengaluru have outperformed others. Whitefield saw a growth of approximately 20 percent over the year, the highest in the country. IT companies are now opening offices along the Outer Ring Road and new corridors. Hybrid working styles have increased demand for these locations.

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Haryana DA Hike 2025: The Nayab Singh Saini government of Haryana has given a major gift to employees and pensioners during the festive season. The government has announced a 3 percent increase in dearness allowance (DA) and dearness relief (DR). Now, employees and pensioners will receive 58 percent DA and DR instead of 55 percent. This increased dearness allowance will be effective from July 1, 2025. Employees are expected to receive the increased salary in November. Amidst rising inflation, this move is a relief for thousands of state employees.

According to an FPJ report, this increase will benefit approximately 600,000 employees, including 300,000 regular employees and 300,000 pensioners. The state’s Finance Department issued an official order confirming the increase. This increase is in line with the central government’s periodic DA revisions, which ensure that state employees are protected from the pressures of inflation.

Increased salary will be paid in October.
The government also clarified that the increased rates of DA and DR will be paid with the salary and pension for the month of October, while arrears for July to September will be paid in November. The revised DA and DR (Dearness Relief) will apply to both serving employees and pensioners, including family pensioners. This will provide some relief to both employees and pensioners. Employees and pensioners say that this increase was necessary in this era of inflation, while the government maintains that this decision was taken keeping in mind the difficulties faced by employees.

Rounding Off Rules for Easier Calculations
There are also certain rules for calculating DA and DR. Any rounding of 50 paise or more will be rounded up to the next whole rupee. However, any amount less than 50 paise will be ignored. This will simplify calculations.

Dearness Allowance Increased for the Second Time in a Year
This is the second change to DA in 2025. Previously, in April, the state increased DA from 53% to 55%, a 2% increase. The current increase is 3%, a 1% increase over the previous increase.

Learn What Dearness Allowance Is
Dearness Allowance (DA) is an additional component added to the salary of the government to provide relief to its employees from inflation. Its purpose is to mitigate the impact of rising prices. Dearness Relief (DR) is provided to pensioners to provide similar relief.

Online Gold Buying: Buy digital gold from home using UPI, start investing with just ₹10!

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How to buy gold online: Nowadays, when everything is done through mobile and the internet, why should buying gold be left behind? Now, you don’t need to go to a jewelry shop and stand in long lines. All you need is a UPI app, and you can buy digital gold from the comfort of your home for as little as ₹10. This method is not only easy but also completely secure.

Why is digital gold a profitable investment?

First, learn about the benefits of digital gold. Digital gold has become a smart and convenient investment option these days. Its biggest advantage is that you can start with a very small amount. There’s no worry about storage or fear of theft, as the gold is kept safe in a bank-approved vault. You can convert it into physical gold coins or bars at any time, making it a great gifting option for festivals or weddings.

Let’s learn how to buy gold with Paytm and Google Pay.

How to buy digital gold with Paytm? (How to buy gold through Paytm)

• First, open the Paytm app.
• Type “gold” in the search bar.
• The Gold section will open, where you will find two options: “Save Daily” and “Buy Lump Sum.”
• With the Save Daily option, you can buy gold for as little as ₹10.
• You can convert this digital gold into physical gold coins whenever you want.

How to buy gold through Google Pay

• Open the Google Pay app
• Type “Gold” in the search bar
• Click on the “Buy” option
• Preset amounts like ₹201, ₹501 will appear, or you can enter your own.
• There’s also a “Sell” option here, meaning you can sell whenever you want.

999 vs. 995 Gold: Which is Purer?

Whenever you buy physical gold, you’ll likely notice that jewelry or gold coins are marked with 999 or 995. These numbers indicate the purity of the gold. 999 gold means the item contains 99.9% pure gold, with the remaining 0.1% being other metals. This is considered the purest form and is commonly used in gold coins or bars. 995 gold, on the other hand, contains 99.5% gold, with the remaining 0.5% being a mixture of other metals. This is more common in jewelry because a small amount of alloy makes it more durable. If you’re buying physical gold for investment or gifting, the 999 grade is considered a better option.

8th Pay Commission : Big news for employees! New government preparations raise expectations.

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8th Pay Commission: Central government employees and pensioners are eagerly awaiting the 8th Pay Commission. Everyone is focused on the expected salary and pension increases following the implementation of the 8th Pay Commission. Meanwhile, the central government is expected to make a new announcement regarding the 8th Pay Commission soon. It is hoped that the ongoing obstacles in the 8th Pay Commission process will be resolved. However, the government has not yet formed a committee or announced its members.

It is worth noting that the government approved the formation of the 8th Pay Commission in January 2025, but an official notification has not yet been issued. Recently, Minister of State for Finance Pankaj Chaudhary stated in the Rajya Sabha that the notification regarding the commission is pending. He also stated that a final decision has not been taken, but preparations are underway.

Will the notification be issued in November?
Previously, it was said that the central government might issue the notification by Diwali. However, media reports now indicate that the central government may issue the notification in November. However, no official statement has yet been issued regarding this. As soon as the notification is issued, the commission’s chairman and members will be appointed. Experts believe that the government cannot take much time to draft the 8th Pay Commission, as the term of the 7th Pay Commission will end on December 31st. After this, the government will be forced to take necessary steps.

Learn why the 8th Pay Commission is important?
In fact, the income of government employees and pensioners is determined every 10 years through a new Pay Commission. The 7th Pay Commission was the last one implemented. Now, the 8th Pay Commission is expected to provide significant benefits to employees in terms of basic salary, allowances, and pensions.

These allowances may be abolished in the 8th Pay Commission.
It is anticipated that travel allowances, special duty allowances, minor regional allowances, and some departmental allowances (such as the long-standing typing/clerical allowance) may be eliminated in the 8th Pay Commission. However, no official statement has yet been issued regarding this. The government’s goal is to make the salary structure “logical and simple” this time as well.

Bank Nominee Rules 2025: Not one, not two, but four nominees can be added to bank accounts, the system will change from November 1.

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Bank Nominee Rules 2025: Bank customers will now be able to nominate up to four individuals in their accounts. The aim is to make the claims settlement process in the banking system more transparent, equitable, and effective. The Finance Ministry said in a statement on Thursday that the new system will come into effect from November 1, 2025.

The ministry said that key provisions related to nomination of individuals in accounts under the Banking Laws (Amendment) Act, 2025, will come into effect from next month. This Act was notified on April 15, 2025. Under this, a total of 19 amendments have been made in five laws, including the Reserve Bank of India Act, 1934; the Banking Regulation Act, 1949; the State Bank of India Act, 1955; and the Banking Companies (Acquisition and Transfer of Undertakings) Acts, 1970 and 1980.

Four individuals can become nominees
According to the Finance Ministry, these amendments allow bank customers to nominate up to four individuals simultaneously or sequentially for their accounts. This will facilitate claim settlement for account holders or their legal heirs. The Ministry stated that to bring transparency to the account nomination process, customers will also be able to specify the share or percentage of each nominee, ensuring a 100% share and eliminating any potential disputes.

Option to Set Share
Only sequential nomination is permitted for bank safes and lockers. This means that upon the demise of one nominee, the next nominee will inherit the rights. The Ministry stated that these provisions will provide bank depositors with the flexibility to choose the nominee of their choice.

Nomination Rules Soon
This will also ensure equality, transparency, and efficiency in claims settlement across the banking system. The Banking Companies (Nomination) Rules, 2025, will also be notified in the near future. These will detail the process for nomination, cancellation, or multiple nominations, and the documents required for the same. The government had earlier stated in a notification dated July 29, 2025, that certain sections of the Act (Sections 3, 4, 5, 15, 16, 17, 18, 19, and 20) have come into effect from August 1.

The Banking Laws (Amendment) Act, 2025 aims to strengthen operational standards in the banking sector, unify bank reporting systems, enhance depositor and investor protection, improve audit quality in public sector banks, and enhance customer convenience.

The Act also rationalized the tenure of directors of cooperative banks. The maximum tenure for directors, except for the chairman and whole-time directors, has now been increased to 10 years, up from eight years previously.

Furthermore, under recent amendments, public sector banks will now be able to transfer undisclosed or unrealized share, interest, and bond payments to the Investor Education and Protection Fund (IEPF), bringing them in line with the provisions of the Companies Act. The government has also revised the threshold for a “significant stake” for the first time since 1968, raising it from ₹5 lakh to ₹2 crore.

Ayushman Card : Getting treatment with Ayushman Card has become super easy, the hassle of long queues is over.

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Ayushman Card Helpline Number: If you have an Ayushman card, there’s good news for you. Ayushman cardholders in Uttar Pradesh will now be relieved of long queues. The Yogi government is launching a call center for patients enrolled in the Ayushman Bharat scheme. Once this call center opens, patients can book their appointments from home simply by calling.

Which number will the appointment be used for?
At a ceremony held at the Atal Bihari Vajpayee Scientific Convention Center, Uttar Pradesh Deputy Chief Minister Brajesh Pathak announced that Ayushman Bharat cardholders can now book their appointments simply by calling the toll-free number 180018004444. After booking an appointment, people won’t have to wait in long queues at the hospital.

What is the Ayushman Bharat Scheme?
The Ayushman Bharat Scheme is a health insurance scheme run by the Government of India. This scheme provides free insurance of ₹5 lakh per family per year. This card can be used at any private or public hospital listed across the country. This scheme is designed to benefit over 100 million poor and vulnerable families.

How is the Ayushman Card made?
Getting an Ayushman Bharat Card is now very easy. This card is issued under the Pradhan Mantri Jan Arogya Yojana (PMJAY) of the Government of India. You can even get this card made from the comfort of your home.

• First, download the Ayushman app on your phone.
• After that, you’ll need to select your language.
• After selecting the language, log in and click on Beneficiary.
• After this, you’ll need to enter the captcha and mobile number.
• The Search for Beneficiary page will open. Here, you’ll need to select PM-JAY as the scheme.
• After this, you’ll need to select your state and district and enter your Aadhaar number to log in to the app.
• The Ayushman cards of your household members will appear. Those who don’t have an Ayushman card will see “Authenticate” next to their name.
• Now, where you see “Authenticate,” tap on it and enter the member’s Aadhaar number.
• You’ll receive an OTP. After entering that OTP, a photo of the member will be clicked.
• After this, you’ll need to enter the member’s mobile number and their relationship to you. After completing e-KYC, you’ll need to submit the form.
• After all the information is verified, the Ayushman card of that member will be made.

Chhath Festival 2025: Relief for those in Uttar Pradesh and Bihar! A new list of Chhath special trains has been released. See full details.

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If you live in or near Mumbai and want to travel to Bihar and Uttar Pradesh for the Chhath festival, there’s good news for you. Indian Railways is running special trains from and around Mumbai on October 24th. The schedule has been released, and passengers can travel on these trains as per their convenience. The number of trains may be increased as needed.

According to Central Railway, train number 01079 CSMT-Gorakhpur Special will depart from CSMT at 22:30 hrs. This train will have stops at Dadar, Thane, Kalyan, Nashik Road, Manmad, Jalgaon, Bhusaval, Khandwa, Itarsi, Bhopal, Bina, Veerangna Laxmibai Jhansi, Orai, Kanpur Central, Lucknow, Gonda, Basti, and Khalilabad.

Train number 01179 LTT-Sawantwadi Road Special will depart from LTT at 08:20 hrs. This train will have stoppages at Thane, Panvel, Pen, Roha, Mangaon, Veer, Khed, Chiplun, Sawarda, Aravalli Road, Sangameshwar Road, Ratnagiri, Adavali, Vilavade, Rajapur Road, Vaibhavwadi Road, Nandgaon, Kankavli, Sindhudurg, Kudal.

Train No. 01143 LTT-Danapur Special will depart LTT at 10:30 am. This train will run via Thane, Kalyan, Nashik Road, Bhusaval, Khandwa, Itarsi, Jabalpur, Satna, Manikpur, Prayagraj Chheoki, Pt. Deen Dayal Upadhyay Junction, Buxar and Ara.

Train No. 01123 LTT-Mau Special will depart from LTT at 12:15 hrs. This train will stop at Thane, Kalyan, Igatpuri, Nashik Road, Jalgaon, Bhusaval, Khandwa, Itarsi, Bhopal, Bina, Veerangna Laxmibai Jhansi, Orai, Govindpuri Junction, Fatehpur, Subedarganj, Mirzapur, Varanasi Junction, Jaunpur Junction and Aunrihar.
Train No. 01159 Panvel-Chiplun Unreserved Special will depart from Panvel at 16:40 hrs. This train will stop at Somatane, Apta, Jite, Pen, Kasu, Nagothane, Roha, Kolad, Indapur, Mangaon, Goregaon Road, Veer, Sape Vamne, Karanjadi, Vinehere, Dewankhavati, Kalambanibudruk, Khed and Anjani.

Train No. 01431 Pune-Ghazipur City Special will depart from Pune at 06:40 hrs, stopping at Daund Chord Line, Ahilyanagar, Manmad, Jalgaon, Bhusaval, Khandwa, Itarsi, Bhopal, Bina, Virangana Laxmibai Jhansi, Orai, Govindpuri, Fatehpur, Subedarganj, Varanasi, Jaunpur and Aunrihar Junction.

Train No. 01415 Pune-Gorakhpur Special will depart from Pune at 06:50 hrs, stopping at Daund Chord Line, Ahilyanagar, Kopargaon, Manmad, Bhusaval, Khandwa, Itarsi, Bhopal, Bina, Virangana Laxmibai Jhansi, Kanpur Central, Lucknow, Gonda and Basti.

Train No. 01405 Pune-Sanganer Special will depart from Pune at 09:45 hrs. This train will stop at Kalyan, Bhiwandi Road, Vasai Road, Palghar, Vapi, Valsad, Surat, Ankleshwar Junction, Vadodara, Ratlam, Bhawani Mandi, Ramganj Mandi, Kota and Sawai Madhopur.

Tax notices are a warning! Surveillance begins on those withdrawing excess cash from banks!

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Savings Account Cash Withdrawal: Even if you have a savings account in the bank, you still have to pay special attention to some things. If you do not keep track of your account transactions, you may receive an income tax notice. If you want to avoid getting into this mess, then definitely read this news. Let us know when the Income Tax Department keeps an eye on the savings account.

According to the report of ET Times, if you withdraw large amounts from the savings account repeatedly, the bank reports it to the Income Tax Department. The Income Tax Department looks at that report and if it finds something wrong in it, it can issue a notice to the bank account holder. Apart from this, if the cash flow in the bank account increases, then also the Income Tax Department keeps an eye on it.

What are the rules for withdrawing cash from a bank?
It should be noted that rules apply to cash withdrawals from a bank account. For example, HDFC Bank allows free cash withdrawals of up to ₹1 lakh per month. After four free transactions, a fee of ₹150 per withdrawal may apply. Even after that, if you withdraw more cash, the bank goes into alert mode and informs the Income Tax Department. If you fail to respond to an Income Tax notice, the Income Tax Department may impose a penalty.

You may receive a notice even after making a deposit.
If you deposited ₹10 lakh or more in cash into your savings account during a financial year (April 1 to March 31), the bank will provide this information to the Income Tax Department. In such cases, the Income Tax Department may investigate your income and expenses, especially if the transactions do not match your income. Therefore, it is always important to keep a record of all your transactions so that you can respond if you receive a notice from the Income Tax Department.

EPFO has changed these major rules, how will it affect you? Read the details.

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The EPFO, the governing body of PF funds, has made several major changes to the rules. These changes will benefit those who deposit their PF under the EPFO. A portion of their salary is deposited into their PF account every month.

If you also deposit money into your PF account, you will directly benefit from these changes. Let’s learn about these changes.

What will change?
Following the Supreme Court order, the EPFO ​​has made major changes to pensions. Previously, upon retirement under the EPFO, you could receive a maximum pension of ₹7,500 per month. This limit has now been increased to ₹15,000 per month.

This change will provide relief to former employees who had a higher salary but were receiving only up to the pension limit.

Withdraw pension at 50
Previously, you could withdraw funds from the EPFO ​​only when you were at least 58 years old. Now, you will be able to avail pension benefits under the EPFO ​​as early as 50. However, if a person withdraws pension early, they may receive a lower pension amount.

Pension claims available online
Previously, claiming pensions was quite difficult. Approval could take months. However, the EPFO ​​has now digitized most services. Now, everything from filling out pension claim forms to claim approval can be done online.

No more hassles with job changes
Previously, if someone changed jobs, they had to transfer their old records to the new office. But now, this is available online.

Gold Silver Price : Gold’s shine has faded, silver has also declined, what is the price in your city?

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After Diwali, due to reduced demand, gold and silver prices are witnessing a steady decline. Gold and silver prices have fallen today as well. The shine of both is now fading. First, let’s find out the price of gold and silver across the country.

Gold Price Today: What is the price of gold?
Yesterday, trading took place on MCX during Muhurat trading. Around 10 am, the price of 24-carat gold on MCX was ₹128,000 per 10 grams. This is a decline of ₹271 per 10 grams. However, these prices were updated during Muhurat trading yesterday.

On the evening of October 20th, the price of 24-carat gold was recorded at ₹126,730 per 10 grams at IBJA. The new rates have not yet been updated. The price of 22-carat gold was recorded at ₹116,085 per 10 grams. The price of 18-carat gold is ₹95,048 per 10 grams.

Now let’s find out the price of silver.

Silver Price Today: What is the price of silver?
At the time of Muhurat trading, the price of silver on MCX was recorded at ₹150,000 per kg. It fell by ₹327 per kg. At that time, silver had set a low of ₹148,508 per kg and a high of ₹150,327 per kg. MCX is closed today, just like the stock market.

The IBJA recorded a price of ₹160,100 per kilogram of silver on the evening of October 20. New rates have not yet been released at the IBJA.

Banks closed today: Are banks closed in Delhi today? Find out when the RBI has declared a holiday for Govardhan Puja.

The post Gold Silver Price : Gold’s shine has faded, silver has also declined, what is the price in your city? first appeared on Rightsofemployees.com.

RBI Bank Holiday List: Diwali (Bali Pratipada) and Govardhan Puja are being celebrated across the country today. So, if you’re planning to go to the bank today to get your work done, stop and check if your bank is closed. While the RBI typically closes banks on festivals, today is also the festival of Diwali (Bali Pratipada) and Govardhan Puja. Therefore, many people are confused about whether banks will be open today. Let’s find out if banks will be open today.

Will banks be open today?
Today, banks will be closed in some states on Diwali (Bali Pratipada) and Govardhan Puja. According to the RBI calendar, banks will be closed in Gujarat, Maharashtra, Madhya Pradesh, Sikkim, Assam, Uttar Pradesh, West Bengal, Chhattisgarh, Jharkhand, and Himachal Pradesh. If you live in these states, you’ll have a bank holiday today. However, if you live in a state other than these, your bank will operate as usual.

How many days are banks closed in October?

The post Banks closed today: Are banks closed in Delhi today? Find out when the RBI has declared a holiday for Govardhan Puja. first appeared on Rightsofemployees.com.

EPFO Pension Rules: If your PF is deducted, this news is very useful for you. Actually, EPFO ​​has changed some pension-related rules, which you should be aware of. Today, we are going to tell you about five changes that will affect your retirement reimbursement. Let’s learn about those changes.

Changed Pension Calculation Rules
The Employees’ Provident Fund Organization (EPFO) has changed the rules for calculating pensions. This change is very beneficial for pensioners. Previously, pensions were calculated based on the last salary drawn, but now they will be calculated based on the average salary of 5 years.

The pension withdrawal age has been changed.

The previous age for pensionwithdrawals was 58 years, but this has now been reduced to 50. Individuals wishing to receive their pension early can apply at age 50. Please note that early retirement reduces the pension amount.

Claim your pension online
The EPFO ​​continues to update its services for employees to ensure that employees receive their pensions without any difficulties. Consequently, all pension claim processes, such as filling out forms, uploading documents, and obtaining approval, can be completed through the EPFO ​​website or mobile app. Previously, this process used to involve long queues.

No loss of pension due to job changes
The EPFO ​​has clearly stated that if an employee changes jobs, their pension will not be lost. Their old record will be linked to the new company, allowing them to continue receiving their pension.

Pension limit also increased
EPFO has also increased the maximum pension limit. Previously, this limit was ₹7,500, which has now been increased to ₹15,000. Therefore, if you have a high salary, you can receive a maximum pension of ₹15,000 after retirement. It’s worth noting that many of these changes are old, but pensioners should be aware of them.

Income Tax Portal Update: Now know the complete ITR status report in seconds!

The post EPFO Pension Rules : Double the pension benefit! 5 EPFO ​​changes that will impact your pocket after retirement. first appeared on Rightsofemployees.com.

Income Tax Portal 2025: If you file your income tax returns, this news is very useful for you. The Income Tax Department has made a major change to its e-filing portal. This change will directly impact income tax payers. Let’s find out what the Income Tax Department has changed in its e-filing portal.

What has changed on the e-filing portal?
After filing your ITR return, you will be able to track your file. In simple terms, you will be able to find out when the assessing officer has viewed your file.

This feature of the Income Tax Department will strengthen trust between taxpayers and the Income Tax Department. It will also ensure accountability of officials. This will let taxpayers know whether their file has been viewed or not. This new feature takes full care of privacy. Only you, and no one else, will be able to see the status of your return file.

What benefits will taxpayers receive?
The new feature on the Income Tax portal will benefit taxpayers by allowing them to immediately know when their return filing has been processed. Officials will be pressured to process files on time, as digital records of every process will now be available. This will make it easier to resolve delays or disputes.

When will the notification be issued?
The Income Tax Department will issue a notification for this feature by the end of the year. After that, the feature will be implemented in the beginning of 2026-27, allowing those filing ITRs next year to use it.

Reduced Rules
The new income tax rule will come into effect next year. The purpose of this rule was to eliminate the complexities currently prevalent in the income tax law. Currently, there are over 500 income tax rules, while the new income tax structure will have 400 rules.

Gold Price Today : Gold crosses Rs 1.30 lakh on MCX, silver also expensive, know the new rates

The post Income Tax Portal Update: Now know the complete ITR status report in seconds! first appeared on Rightsofemployees.com.