Money
UPI, loans, GST, and the money questions people search before they act.
DA Hike 2026: Central Government DA and DR Rise to 63% from July 1
On 28 October 2026, the Union Cabinet approved a 3-percentage-point increase in Dearness Allowance for central government employees and Dearness Relief for pensioners. Both rise from 60% to 63% of basic pay or basic pension, effective 1 July 2026.
EPF Passbook and Claim Status: Check Your PF Balance Online
Use EPFO's official Member Passbook & Claim Status portal at passbook.epfindia.gov.in to sign in using your UAN, password and captcha. Check your contribution balance or available claim status; EPFO warns against sharing UAN passwords, Aadhaar, bank details or OTPs with callers.
What is GST in India? Rates, bills and input tax explained
GST is an indirect tax on most goods and services in India. Since 22 September 2025 most goods and services are taxed at 5% or 18%, with a special 40% rate for a select few; some items are nil-rated or exempt, and the exact rate depends on the item's classification.
SIP calculator guide: monthly investment, returns and risks
A SIP calculator estimates the future value of regular mutual fund investments using a chosen monthly amount, duration and assumed annual growth rate. The assumed rate is only a scenario, not a guaranteed return: actual mutual fund returns fluctuate with markets.
FD maturity amount: how to calculate interest and final payout
For a cumulative FD with a fixed annual rate and quarterly compounding, an estimate is principal × (1 + annual rate/4)^(4 × years). For example, ₹1,00,000 at an illustrative 7% for two years becomes about ₹1,14,888 before tax. Actual bank methods and payout terms can differ.
How does EMI work? Formula, interest and loan repayment
An EMI is a fixed monthly loan repayment. Early instalments usually contain more interest and less principal; later instalments repay more principal on a reducing balance.
Income Tax Refund Status: Check Your ITR Refund on the e-Filing Portal
Sign in to the official Income Tax e-Filing portal, go to e-File > Income Tax Returns > View Filed Returns, choose the relevant assessment year and select View Details to see your refund status. Filing a return is not the same as e-verification; refund processing starts after e-verification.
GST-inclusive price: how to calculate taxable value and tax
If a price already includes GST at rate r%, the taxable value is total price × 100/(100 + r), and GST is the remainder. At an illustrative 18% rate, a ₹1,180 inclusive price contains ₹1,000 taxable value and ₹180 tax. The correct rate depends on the supply.
Flat interest vs reducing balance: which loan costs more?
Flat interest is calculated on the original loan amount for the entire term. Reducing-balance interest is charged on the unpaid principal, which falls as you repay. Equal-looking annual percentages therefore do not mean equal total borrowing costs.
Apple Pay launches in India: supported cards and how to use it
Apple Pay is available in India. As of 6 October 2026, Apple lists eligible Axis Bank Visa and Mastercard credit cards as the supported India cards. It is a card-payment service, not a UPI app.
What is UPI? How India’s instant payment system works
UPI is India’s instant bank-to-bank payment system. You can pay with a UPI ID or QR code through an app, while your money remains in your linked bank account.
पेंशन क्या है? EPS, NPS और सरकारी पेंशन में अंतर
पेंशन रिटायरमेंट के बाद मिलने वाली नियमित आय है। भारत में EPS, NPS, APY और सरकारी कर्मचारी पेंशन के नियम अलग-अलग हैं; पात्रता और रकम आपकी योजना पर निर्भर करती है।
What are bonus shares, and do they make your investment worth more?
Bonus shares are additional shares issued to existing shareholders at no extra purchase price. In a 1:1 bonus issue, 10 shares become 20. The share price normally adjusts, so the issue alone does not double the value of your holding.
UPI transaction limit in India: bank, app and payment-type caps
Your effective UPI limit is often the lowest limit set by NPCI, your bank, your app and the payment category. Check the limit in your bank or UPI app before a large transfer.
What is IRDAI? India’s insurance regulator explained
IRDAI is India’s insurance regulator. It supervises insurers and intermediaries, issues regulations, and works to protect policyholders.
What is UPI Lite and how does it work?
UPI Lite is a small-value UPI payment feature. You add money from a linked bank account, then use the Lite balance for eligible payments without entering your UPI PIN each time. The current balance limit is ₹5,000 and the per-transaction limit is ₹1,000.
Who is Kotak Mahindra Bank’s next CEO, and when will Anup Kumar Saha start?
Anup Kumar Saha has RBI approval to become Kotak Mahindra Bank’s MD and CEO for three years from 1 January 2027. Ashok Vaswani remains the incumbent before that transition.
Who is HDFC Bank’s next CEO, and when does Anup Bagchi take charge?
Anup Bagchi is HDFC Bank’s approved next MD and CEO. His three-year term starts on 27 October 2026, subject to shareholder approval. His director appointment on 2 October is a separate step.
India bank strike update: September 28–30 strike deferred
The proposed nationwide bank strike from September 28 to 30, 2026 was deferred after talks between the Indian Banks’ Association and the United Forum of Bank Unions. Check your bank’s latest notice for local service updates.
What is Moneycontrol?
Moneycontrol is an Indian business-news and financial-markets platform. It provides market news, quotes, company information and investment-related coverage.