Financial Planning

EPFO 3.0 : New Changes from December 2025

EPFO is overhauling the way employees access their provident fund with the launch of EPFO 3.0, turning a maze of 13 withdrawal rules into just 3 simple categories. Also it provides to make most claims auto-settled within hours instead of weeks. This shift is not just regulatory but a complete digital upgrade aimed at fasterRead More

Reality Behind Gold Purchase Schemes

by Madhupam Krishna

Gold purchase schemes offer a structured and affordable way for individuals to accumulate gold through regular, manageable monthly payments with jewellers or banks. These plans enable customers to gradually save up and purchase gold jewellery, coins, or bullion. They often come with added benefits such as discounts on making charges or value additions at maturity.Read More

ITR Returns of a Deceased Person in India

by Madhupam Krishna

How to file ITR returns of a Deceased Person, Is it mandatory to file ITR of a deceased person?, ITR filing of a Deceased Person in India, ITR Returns of a Deceased Person in India, Process of Cancelling PAN card after death, What happens if there is a refund? Who will get the refund incase of a deceased person?, What happens to PAN card after death?, Who is liable to file and pay income tax incase of a deceased person?, Why family should cancel PAN of deceased person after tax matters are solved?

Unfortunate death in family is really a vacuum the family deals with. But with death, the family members have responsibility to follow norms of the land and comply with tax requirements. So today we discuss this – How to deal with ITR of a deceased person? We will see how upon death ITR is filled?Read More

What Happens if Policy Holder & Nominee die?

by Madhupam Krishna

strategies to avoid situations where both the insurance policy holder and nominee dies, What happens if nominee dies before policyholder, What Happens When both Insurance Policy Holder & Nominee die?, What if both -proposer & nominee die together?, Who Gets the Insurance Money If Both Policyholder and Nominee Die?, Will Insurance company pay or forfeit the money?

.We recently faced a black day in Indian Aviation history- the crash at Ahmedabad. A tragic event. However, it forced me to consider the longevity of our plans. We have planned for our family members, but what if the insurance that we have done, the beneficiary is also no more, as it may have happenedRead More

How NRIs Can Invest in India & Maximize Profit

by Madhupam Krishna

India is a land of opportunities for Non-Resident Indians (NRIs) looking to invest and grow their wealth. With its dynamic economy and evolving financial landscape, India offers a range of investment options, from equities and real estate to fixed deposits and mutual funds. Let’s check today how NRIs can Invest in India and benefit from theseRead More

Investing in the Name of a Child? Understand the Regulations

by Madhupam Krishna

can i invest money in my child name, can mutual fund be invested in name of child, Documents required for minor investment in mutual fund, how to invest in child name, investing in name of child in india, investing in name of major child, investing in name of minor child, investing in the name of child, Minimum age to invest in Mutual Funds in India, Minor investment in mutual fund online, pros & cons of investing in child name, steps to invest money in name of my child

It is very natural to build a corpus by investing in the name of child or children. We feel proud doing this. We also feel duty-bound for the future benefit of the child. So, money-wise we want to be ready. When parents or guardians invest in the name of a minor child in India, specificRead More