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.
Earning Between ₹15,000 and ₹25,000? The New EPF Wage Ceiling Could Mean Less Take-Home Pay—But More Retirement Savings
The new EPF wage ceiling hikes contributions from next year, reducing take-home pay for employees earning up to ₹25,000—but boosts retirement savings and widens social security.
16 Sept 2026 · 3 min read
Credit Card EMI vs Personal Loan: The Borrowing Trap Many Big Spenders Miss
Converting a big purchase to credit card EMI is quick, but the true cost can surprise you. Here’s a clear way to weigh EMIs vs personal loans before your next big spend.
16 Sept 2026 · 4 min read
Planning for Your Child’s Future? NPS Vatsalya’s Withdrawal and Exit Rules Are Stricter Than You Might Think
NPS Vatsalya lets parents build a high-yield pension for minors, but its withdrawal and exit rules are quite different from regular NPS. Understand key rules, conditions and procedures here.
16 Sept 2026 · 4 min read
Investing in Mutual Funds? Why Two Similar Schemes Could Give You Surprisingly Different Tax Bills
Don’t judge a mutual fund’s tax treatment by its category label alone. The actual portfolio held at redemption can change your capital gains rate and the required holding period, with major tax consequences for investors.
16 Sept 2026 · 4 min read
Will Your Business Now Pay for UPI Merchant Payments? What Every Seller Must Know About the New MDR Charges
NPCI’s new UPI MDR framework adds or caps merchant fees for higher-value, financial sector & select payments above ₹2,000. Most sellers and everyday transactions are exempt. Here’s what changes—and what stays free.
16 Sept 2026 · 3 min read
UPI Fee Hike Coming in 2026: Why Credit Card-Linked UPI Payments Escape the New 0.4% MDR
The upcoming 0.4% MDR on high-value UPI payments from October 2026 won’t apply to credit card-linked UPI transactions. Here’s what’s exempt, what’s charged, and how the changes impact merchants, investors, and everyday users.
16 Sept 2026 · 4 min read
Spouse Overspending? The Money Moves Every Family Needs to Consider Now
If your spouse’s spending habits are putting your family at risk, these 8 money moves—including setting up safeguards, building your own emergency fund, and considering postnuptial protections—can help secure your finances.
16 Sept 2026 · 3 min read
UPI Payments Above ₹2,000: Could Upcoming Charges Change Your Billing or Customer Experience?
Most UPI payments up to ₹2,000 stay free, but new rules may bring charges for higher-value merchant transactions. Who pays, who earns, and what does it mean for you?
15 Sept 2026 · 3 min read
NRI in Singapore? How Extended India Visits Threaten—or Don't Threaten—Your Tax Exemption on Foreign Salary
Planning a long India trip as a Singapore-based NRI? Find out when your foreign salary could cross from exempt to taxable—and how to secure DTAA protection.
15 Sept 2026 · 4 min read
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