NPS Vatsalya scheme for minors explained: ₹50K tax deduction, 75% equity, 80% tax-free at 18. Compare vs SSY, PPF. Decision matrix for parents.
NPS Vatsalya Scheme: Should You Open a Retirement Account for Your Child? Read More »
Build a smarter emergency fund in 2026. Compare savings account vs liquid fund vs sweep-in FD. Get bucket sizes by salary. Stop losing Rs 10K+/year to low rates.
Emergency Fund Architecture 2026: Stop Losing ₹10,000+ a Year to Your Savings Account Read More »
What is the EPFO interest rate for FY 2025-26? EPFO is crediting 8.25% interest on EPF balances for FY 2025-26, the third consecutive year at this rate. About Rs 1.44 lakh crore will be credited to roughly 34 crore accounts, and members can view it in their EPF passbook by 15 July 2026 on the
NPS subscribers with a corpus up to Rs 8 lakh can now withdraw 100 percent in cash with no annuity. Learn the three buckets, SLW and SUR rules, and the 60 percent tax trap before you exit.
NPS Full Withdrawal: The New Rs 8 Lakh Rule, Explained Read More »
You’re 30, earn ₹12 lakh a year, and have decided to put ₹15,000 every month toward retirement. You mention this in a group chat and get two strong opinions: “NPS! The tax savings are insane!” “Mutual funds! NPS locks your money till you’re 60.” Both have points, but they’re missing the real question: How should
NPS vs Mutual Funds: Which Gives Better Returns for Retirement? Read More »
