Author: Ronojit Roy

The EPS 95 Pension Update for 2026 brings several new developments affecting pensioners, employees, and those applying for higher pension benefits. With ongoing discussions about pension revision, higher pension eligibility, arrears, and new EPFO guidelines, it is important for beneficiaries to clearly understand the rules, timelines, and potential changes expected this year. This article explains every major update, from court decisions and EPFO circulars to contribution rules and expected pension changes. Key Highlights Important Information Snapshot CategoryDetailsNotesEligibility for Higher PensionEmployees who contributed to EPS based on actual salary before 2014Subject to verification by EPFOMinimum Pension RevisionUnder discussion; proposals for higher…

Payment Banks in India have become essential for digital transactions, small savings, and UPI-led financial services. As the sector evolves, users need clarity on which bank offers the best combination of safety, technology, charges, features, and customer experience. This guide presents a detailed comparison of leading payment banks, their benefits, charges, and the updated 2026 offerings to help you identify the most suitable option. Key Highlights Quick Comparison Table (2026) Payment BankKey BenefitsSuitable ForAirtel Payments BankStrong digital platform, fast UPI, offers interest on savingsUsers wanting instant digital bankingJio Payments BankDeep ecosystem integration, smooth UPI, zero-balance accountsUPI-heavy users and beginnersIndia Post…

The Fino Payment Bank IFSC Code is essential for completing digital transactions such as NEFT, RTGS, and IMPS in India. As regulatory frameworks evolve, banks—including Fino Payments Bank—update their IFSC structure or branch-level identifiers to ensure smooth and secure fund transfers. This article explains the new IFSC updates for 2026, how to find your code, and how these changes impact customers. Key Highlights of Fino Payment Bank IFSC Code Important Information Table CategoryDetailsRemarksLatest Fino Payment Bank IFSC Code (2026)FINO0000001Universal IFSC used for most Fino Payments Bank transactionsTransaction SupportNEFT, IMPSRTGS supported indirectly through sponsor banksVerification SourcesBank Passbook, Official Website, RBI DirectoryUniversal…

The India Post Payments Bank (IPPB) plays a crucial role in delivering inclusive financial services across India through the extensive postal network. One of the most important elements used for digital banking, fund transfers, and NEFT/RTGS/IMPS transactions is the India Post Payment Bank IFSC Code. For 2026, IPPB continues to use the same structured IFSC codes, but customers often search for updated or newly assigned branch codes as operations expand. Key Highlights India Post Payment Bank IFSC Code 2026 – Quick Reference Table Identifies the bank and the specific branchDetailsPurposeOfficial IPPB IFSC CodeIPOS0000001 (Head Office – Valid in 2026)Used for…

The Indian payment system continues to evolve rapidly, and digital-first banks like Jio Payments Bank are now more relevant than ever. As of 2026, updates to IFSC codes for many institutions—including payment banks—have become essential for smooth NEFT, RTGS, and IMPS transactions. This article explains the new Jio Payment Bank IFSC code for 2026, how to verify it, where to use it, and what customers should know to avoid failed transfers. Key Highlights Jio Payment Bank IFSC Code 2026 – Quick Reference Table Information CategoryDetails (2026)NotesOfficial IFSC PatternJIOP0000001 (for central processing branch)The prefix JIOP is used for Jio Payments BankTransaction…

The Airtel Payment Bank IFSC Code is a unique alphanumeric code assigned to branches of Airtel Payments Bank to facilitate secure electronic transactions in India. This code is essential for NEFT, RTGS, and IMPS transfers. Since Airtel Payments Bank operates as a digital-first payments bank without traditional branches, it uses a standardised, single IFSC code across customer accounts. Knowing the correct IFSC ensures faster, error-free fund transfers when sending money to an Airtel Payments Bank savings account. Key Highlights Airtel Payments Bank IFSC Code – Quick Reference Table DetailsInformationNotesOfficial IFSC CodeAIRP0000001Valid for NEFT, RTGS, IMPSBank NameAirtel Payments BankDigital payments bank…

A Systematic Investment Plan is a disciplined method of investing in mutual funds where individuals contribute fixed amounts at regular intervals, effective for all investors from 2026 onwards. It allows investments starting from INR 100 per cycle and supports long-term wealth building. This article explains how the Systematic Investment Plan works, its benefits, the step-by-step process, applicable features, return potential, and the official link for additional regulatory information at https://www.amfiindia.com. Key Highlights • Meaning, purpose, and working process of the Systematic Investment Plan explained• Key benefits such as discipline, rupee cost averaging, and long-term growth• Step-by-step process to start the…

The Securities and Exchange Board of India (SEBI) has introduced important updates to the regulatory framework governing the Demat Account in India, applicable and effective from March 31, 2026, with official details published in Circular No. HO/38/11/11(3)2025-MIRSD-POD/I/1101/2025 on the SEBI website (https://www.sebi.gov.in/legal/circulars/dec-2025/ease-of-investments-and-ease-of-doing-business-measures-enhancing-the-facility-for-basic-services-demat-account-bsda-_98667.html). These guidelines aim to simplify investment entry points for small investors, enhance operational clarity for intermediaries, and strengthen investor protections. The changes matter for all holders of Demat Account facilities because they revise eligibility norms, valuation methods, and procedural requirements that affect how accounts are categorized and maintained. Key Highlights Essential Information at a Glance CategoryDetailSEBI ReferenceEffective Date…

Linking your Demat Account Link with Aadhar and PAN Card means you associate your dematerialised securities account with your Aadhaar identity and Permanent Account Number (PAN) to comply with regulatory requirements. From January 1, 2026, PAN cards not linked with Aadhaar will be considered inoperative for most financial transactions, affecting demat operations, tax filings, and investments. This article explains simple steps, required documents, benefits, and deadlines, with the latest official guidelines from the Income Tax Department and depositories. Key Highlights Essential Information at a Glance AspectRequirement/DetailOfficial Link/DeadlinePAN-Aadhaar LinkingMandatory for eligible taxpayersIncome Tax e-Filing portal (incometax.gov.in) / Before Dec 31, 2025Aadhaar-Demat…