Bank KYC Update (Re-KYC): Due Dates, Methods, Documents
Bank re-KYC explained: when your KYC update is due under RBI's 2-8-10 year rule, how to do it online or at any branch, and what to do if your account is frozen.
· 6 min read
Banking, Savings & Deposits
FD, RD, PPF, savings accounts, deposit insurance and UPI safety: keep your money safe and earning for you.
All banking & savings articles
Bank Locker Rules and Charges 2026: RBI Rules Explained
Bank locker rules 2026: RBI's 100x rent compensation cap, what banks are not liable for, rent and deposit rules, nominee changes and SBI/HDFC locker charges.
· 6 min read
Dormant Bank Account: How to Reactivate It in 2026
Dormant or inoperative bank account? How to reactivate it at any branch, RBI rules on charges and interest, and how to claim money moved to the DEA Fund.
· 6 min read
FD Ladder: How to Build One for Liquidity and Better Rates
An FD ladder splits your money into fixed deposits that mature one after another. Learn how to build one in India, with October 2026 rates and a worked example.
· 7 min read
FD vs RD: Which Is Better for You? Returns, Tax and Rules
FD vs RD compared on returns, flexibility, tax and penalties, with a worked example at 6.5%. Find out when a lump-sum FD beats a monthly recurring deposit.
· 6 min read
How to Cancel UPI AutoPay Mandates: Steps and RBI Rules
How to cancel UPI AutoPay mandates in GPay, PhonePe, Paytm or BHIM, pause vs revoke, the ₹15,000 and ₹1 lakh limits, and what to do if money is still debited.
· 6 min read
How to Choose a Savings Account: 9 Things to Compare
How to choose a savings account in India: compare interest rate, minimum balance, charges, safety, app and service. Includes a worked example and RBI rules.
· 6 min read
How to Read a Bank Statement: Codes, Charges, Checks
How to read a bank statement in India: what NEFT, IMPS, UPI, NACH, ATW and POS entries mean, how to spot hidden charges, and a 10-minute monthly check.
· 7 min read
NEFT vs RTGS vs IMPS: Limits, Timings, Charges in 2026
NEFT vs RTGS vs IMPS compared for 2026: transfer limits, 24x7 timings, charges, settlement speed and which one to use for salary, rent, property or emergencies.
· 6 min read
NSC vs Tax-Saving FD: Which 5-Year Option Pays More?
NSC at 7.7% vs 5-year tax-saver FD compared on post-tax return, TDS, liquidity and safety, with a ₹1.5 lakh worked example. Rates as of October 2026.
· 6 min read
Post Office Monthly Income Scheme: 7.4% Payout Guide
Post Office MIS pays 7.4% for Oct-Dec 2026. Limits of ₹9 lakh single and ₹15 lakh joint, monthly payout maths, early-exit penalty, tax and FD comparison.
· 5 min read
PPF vs FD vs ELSS: Lock-in, Returns, Tax and Risk
PPF vs FD vs ELSS compared on lock-in, returns, tax treatment and risk, with a 15-year worked example. Learn which fits your goal under the old and new regime.
· 7 min read
Senior Citizen Savings Scheme (SCSS): Rate, Limit, Tax
SCSS pays 8.2% for Oct-Dec 2026 on up to ₹30 lakh. Eligibility, quarterly payouts, extension, early-exit penalties, TDS and Form 15H explained with an example.
· 6 min read
Sukanya Samriddhi Yojana: Rate, Rules and Maturity Value
Sukanya Samriddhi Yojana at 8.2% for Oct-Dec 2026: deposit limits, 21-year maturity, 50% withdrawal at 18, tax rules and a worked ₹1.5 lakh-a-year example.
· 7 min read
Treasury Bills vs Fixed Deposits: Yield, Tax and Risk
T-bills vs FDs with October 2026 auction yields and bank rates: who wins at 3, 6 and 12 months, plus tax, TDS, liquidity and buying via RBI Retail Direct.
· 6 min read
UPI Scam? What to Do Immediately and How to Get Money Back
Lost money in a UPI scam? Report it to 1930 and your bank right away. Learn the RBI liability rules, refund timelines and where to complain, as of October 2026.
· 6 min read
What Happens If a Bank Fails in India? DICGC Cover Explained
If your bank fails, DICGC insures deposits up to ₹5 lakh per depositor per bank. Learn what is covered, how payouts work in 90 days, and how to protect more.
· 6 min read