Tax, GST & finance, explained clearly.
Original coverage of Indian tax rulings, GST changes, compliance deadlines and money decisions — distilled into plain English by the Bluman editorial desk.
NRO Account Rules Every NRI Must Know: Deposits, Tax on Interest, and the $1 Million Repatriation Limit Explained
NRO accounts let NRIs, OCIs and PIOs manage Indian income, but strict deposit, taxation and repatriation rules apply. Here’s the overlooked detail on what’s allowed—and what isn’t.
10 Sept 2026 · 4 min read
How Many Bank Accounts Do You Really Need? The Overlooked Costs and Coverage Traps
Having more than one bank account can help with budgeting and boost deposit insurance—but can also complicate your finances. Here’s when multiple accounts make sense—and when they don’t.
10 Sept 2026 · 3 min read
8th Pay Commission: Fitment Factor vs Higher Increment for Employees Earning Rs 35,000 Basic Pay
Should central government employees earning Rs 35,000 basic push for a higher fitment factor or a steeper annual increment from the 8th Pay Commission? We break down the impact of each scenario using recent proposal figures.
9 Sept 2026 · 3 min read
Fixing a Falling Credit Score: When Are Paid Services in India Really Worth It?
Credit-monitoring platforms tout paid plans to boost sagging credit scores, but are they actually worth it? Understand when to pay for extra help—and when free tools are enough.
9 Sept 2026 · 3 min read
Education Loan in Your Name or Your Child’s? The Repayment and Tax Nuances Families Often Miss
Deciding whether the student or parent should be the main borrower for an education loan impacts tax deductions, credit history, repayment risks and eligibility for schemes like PM-Vidyalaxmi. Here’s how to weigh the trade-offs.
9 Sept 2026 · 4 min read
How to Recover Financially After Stretching Your Home Loan EMI Too Far
Many Indian homebuyers find their home loan EMIs eating up the bulk of their income. Explore practical steps to regain financial stability if your EMI burden feels unsustainable.
9 Sept 2026 · 3 min read
How Mutual Fund Capital Gains Are Taxed After Retirement: No Automatic Tax Breaks, But 7 Smart Ways to Reduce Your Liability
Retiring doesn’t make your mutual fund income tax-free. Here’s how capital gains from various fund types are actually taxed post-retirement — and seven practical strategies retirees can use to keep their tax outgo low.
9 Sept 2026 · 4 min read
What Type of Investor Are You? Understanding Your Investing Style Through Cricket Legends
By drawing analogies to cricket batting greats, this article shows how your temperament—defensive, balanced, growth-focused, or aggressive—should guide your investment choices and risk exposure.
9 Sept 2026 · 4 min read
A One-Month 'Money Detox': Five Practical Steps to Reset Your Spending Habits
Trying a 'money detox' for one month—using boundaries, delayed gratification, and spending reviews—can boost self-awareness and lay the foundation for smarter financial habits.
9 Sept 2026 · 2 min read
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