EPFO 3.0 is a major overhaul of how India’s Employees’ Provident Fund Organisation (EPFO) lets salaried workers access their provident fund (PF). The objective is straightforward: turn a complicated rulebook into a user-friendly, digital-first system that delivers faster access to funds while protecting long-term retirement savings. What’s changing in EPFO 3.0 Under the old framework,Read More
FCNR Deposits 2026 – Just Got Better for NRIs
The government’s latest move makes FCNR(B) deposits in 2026 more attractive for NRIs by covering the full hedging cost on fresh 3- to 5-year deposits until September 30, 2026. This means banks can pass more of the returns on FCNR deposits 2026 directly to depositors. In plain terms, it will improve the post-hedge yield onRead More
Understanding Electronic Gold Receipts (EGR)
The Securities and Exchange Board of India (SEBI) released a consolidated Master Circular on June 24, 2024, to outline the comprehensive regulatory framework for Electronic Gold Receipts (EGRs). These digital instruments, which are classified as securities, represent physical gold stored in vaults and are traded on recognized stock exchanges. Understanding Electronic Gold Receipts (EGRs) Gold has long been traditionally held in physicalRead More
Top 10 Changes in Income Tax from April 1, 2026
Discover the top 10 Changes in Income Tax from April 1 2026: revised slabs up to ₹12.75L tax-free, expanded HRA, SGB rules, and NRI-friendly updates. Read More
Tax Saving Strategies in India for FY 2025–26
As a financial planner based in India, I often encounter clients who are eager to reduce their tax liability but unsure where to begin. The good news? India’s tax system offers a variety of legal, efficient strategies to help individuals and families save money while building long-term wealth. Whether you’re a salaried professional, a businessRead More
Budget 2026 – Impact on Investments, Taxation & NRIs
It is rare to listen to a Budget Speech on a Sunday. Also rare that markets are open and by the time I am writing these, markets has lost around 2%, the largest single day fall on a Budget day in the last six years. Set against the backdrop of geopolitical instability, economic volatility andRead More