Saurabh Nigam 
A realm where savings swell at a trivial pace, sheltered against the storms of the economy, a world where you have a sip of chai before leaving for the post office, where you fix an FD, a stone carved for eternity into the financial edifice of this country. A scheme backed by the Government of … Read more
Waking up in 2026 and waiting for your well-deserved pay hike feels like pocketing it after all the expenses of inflation through the years. For over 50 lakh central government employees and 67 lakh pensioners, the 8th Pay Commission strikes as not a mere government body but rather as a torch of financial freedom. A … Read more
Imagine your investment becoming a river of extra cash in a year and a few months. It is the pure joy of Bank of Baroda’s 444-Day FD Scheme in 2025. It is a special deposit amidst rising inflation and volatile markets that steals the show for the most intelligent savers. Originally the bob Square Drive … Read more
Imagine what it would be like if you placed your family’s gold heirlooms and important papers in a bank locker and enjoyed the luxury of peace of mind. But what if a fire started or, even worse, that robbery happened? Under the prior rules, you would have to bear the loss—literally and financially. But then … Read more
Visualize this scenario: A fatigued track maintainer enduring the hot climate of Rajasthan or a loco pilot steering through torrential rains over the Deccan at midnight. Each shift is a fight against the odds for the over 1.2 million nameless heroes of Indian Railways. However, the situation will change in 2025 with a timely Dearness … Read more
Let us picture a situation like this. You are looking through your mobile phone at 2 a.m., and you have just been fired from your job suddenly, so you are in urgent demand of money for either rent or medication. The chaos of paper was not a nightmare anymore! By 2025, EPFO defines a new … Read more
Think about how a sudden rain shower after months of drought instantly gives everyone the feeling of relief—things have gotten better for government employees and pensioners in India. The DA hike of 3% that was first rumored and then later on confirmed in November 2025 did make it loud in the news, increasing the rate … Read more
After throwing away the working hats enough to wear something casual maybe walking into a restaurant, they come across pension amounts barely covering their grocery bills. However, 2025 proves to be a tremendous milestone for most Indian retirees. So, the Employees’ Pension Scheme (EPS-95)-2025, in one big push, raises the present minimum pension rate to … Read more
Just imagine retiring after decades of hard work only to receive a measly INR 1000 a month, which doesn’t even cover a month’s groceries with soaring prices. For millions of Indian pensioners, this sad truth is fading fast. In the year 2025, the Employees’ Provident Fund Organisation (EPFO) is set to open the gates on … Read more
Picture a scenario where the ration card is not merely an old blurred piece of paper but rather an elegant digital key that is capable of unlocking not only the subsidised rice and wheat but also putting ₹1,000 directly into your bank account every month. 2025 sees the Indian Public Distribution System (PDS) evolve from … Read more