The Reserve Bank of India in 2025 brought in a drastic restructuring of the personal loan regulatory framework to ensure responsible lending practices and safeguarding the borrower. The new structure imposes limits on any debt liabilities, new severe capital requirements on those who lend money, and increased transparency with the introduction of mandatory disclosures. The … Read more
The call to reinstitution of the Old Pension Scheme (OPS) came to a fever pitch in mid-2025 due to the increased pressure on the central government employees. Dreams about possible recovery ended up with the definitive refusal at the Finance Ministry, leaving clear limits as to what may be possible in future with regard to … Read more
Public Provident Fund (PPF) is one of the most credible long-term saving programmes in India. New withdrawal policies have made the withdrawal process clear and understandable in 2025 regarding when and how an account holder can withdraw money. When preparing to grow the family, invest in schooling, pay the health bills, or looking forward to … Read more
The central government employees have great expectations on a high fitment factor in the upcoming 8th Pay Commission in 2025. The basic pay will rise accordingly depending directly on this multiplier and affects take-home salaries and correlated allowances. Understanding the Fitment Factor Fitment factor is a coefficient number used on the present basic pay of … Read more
The 8 th Central Pay Commission was publicly announced on 16 thJanuary 2025, stating it will not only revise salary, pensions as well as allowances of more than one crore employees and pensioners of the central government. Seven months later, the entire process is still in its preliminary phase and staffs are still waiting to … Read more
According to Employees Provident Fund Organisation (EPFO) in April 2025 it passed a historic change in the amount of pensions provided under Employees. The minimum monthly pension was raised by 7-fold to 7,500 rupees and this provided significant relief to more than 6 million pensioners who had to deal with inflation in the cost of … Read more